| 05/27/2017 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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While it would probably be easier to reference which FCRA laws have not been violated, here is my story and plea for CFPB involvement.
This is a complaint, to enforce my rights in accordance with the FCRA, encompassing a multitude of ongoing fraudulent, deceptive and unfair practices pertaining to a XX/XX/XXXX mor tgage default, currently underway in a second foreclosure suit. ( The first was voluntarily dismissed without prejudice by plaintiff on XX/XX/XXXX . ) While the violations have mounted over the years, the most recent and serious infractions involve the deliberate re-aging of this account on my credit report by Rushmore Loan Management ( RLM ), current servicer as of XX/XX/XXXX ; the Credit Reporting Agencys ( CRAs ) improper investigations and continual verification of falsified information ; as well as, the continued pursuit of foreclosure by current plaintiff, XXXX XXXX XXXX ., with complete disregard to the ( XXXX ) XXXX Debt Cancellation issued by XXXX XXXX XXXX ( XXXX ), servicer until XX/XX/XXXX . As a result, my credit score is once again tanked and Im now faced with re-serving sentence, double jeopardy if you will. Therefore, I urgently request CFPB involvement to seek relief, resolution, and, recovery of all monetary damages that I may be entitled to. Supportive documentation is attached as referenced.
1. CANCELLATION OF DEBT XXXX By notice dated XX/XX/XXXX ( Attachment 1 ), XXXX transferred servicing of the mortgage loan to RLM effec tive XX/XX/XXXX , then continued involvement as attorney-in-fact for XXXX XXXX XXXX .
XXXX XXXX furnished two XXXX forms ( Cancellation of Debt ) totaling {$280000.00}, identifying date of identifiable event XX/XX/XXXX ; debt description mortgage ; identifiable event code I ( Attachment 2 ). Each reported {$140000.00} separately ( to me and my ex-husband of 10 years ) to be reported as income on XXXX IRS tax reports.
As written in the updated XXXX IRS Publication 4681, 1. Canceled Debts, General Rules, Form XXXX . Generally, if a debt for which you are personally liable is forgiven or discharged for less than the full amount owed, the debt is considered canceled in whatever amount it remained unpaid.
It further states under Identifiable Event Codes : Code I is used to identify an actual cancellation of debt that occurs before bankruptcy, other judicial debt relief, statute of limitations or expiration of deficiency period, foreclosure election, debt relief from probate or similar proceeding, by agreement, decision or policy to discontinue collection.
My attorney, XXXX XXXX emailed Plaintiffs Attorney, XXXX XXXX XXXX XXXX XXXX ( XXXX ), asking for confirmation of debt discharge, and, if Plaintiff would no longer be pursuing the foreclosure, with no response. ( Attachment 3 ) XX/XX/XXXX My attorney filed a Request For Production Of Documents, and a Second Set of Interrogatories directly addressing the XXXX s. To date, not only has plaintiffs attorney, XXXX , XXXX XXXX XXXX XXXX ( XXXX ), fai led to answer any related questions, they continue to pursue foreclosure of the full amount, without acknowledgement whatsoever, of the now cancelled debt. This, by any interpretation of the law, is a serious illegal and fraudulent violation of the FCRA.
2. CREDIT REPORTING AND DISPUTES RE-AGED Account on Credit Reports, Improper Investigations, Falsified Verifications, Failure to Notify, Inaccurate Accounting After 10+ years of following the guidelines for credit recovery, including that provided on the websites of all XXXX nationwide CRAs, I just recently improved my credit score to a respectable XXXX . On XX/XX/XXXX , I replied to an offer of credit with XXXX XXXX who I have a flawless 16 month relationship. I was blindsided by their immediate decline ( Attached # 4 ). Then responded to 5.9 % offer from XXXX . Offer accepted, but instead, at 30.99 %. These raised a red flag prompting me to check my XXXX report only to find that my updated score of XXXX on XX/XX/XXXX ( reduced from XXXX due to purchase of a vehicle ) had dropped to XXXX . ( Attachment 5 ) Its an atrocity that the CRAs and like companies are permitted to publish helpful consumer guidelines and give counseling for credit repair/recovery, only to be kicked back to XXXX gates if actually achieved. Ive initiated several disputes and have submitted prior credit reports with all XXXX CRAs to no avail. Instead, they continue to support RLMs false verification of accuracy. Willful, negligent re-aging and refusal of verifiable evidence to substantiate are in serious violation of the FCRA.
RE-AGED ACCOUNT SUPPORTIVE FACT S XX/XX/XXXX XXXX first reported this delinquent account to the XXXX major credit reporting agencies establishing Date of Last Payment ( DOLP ) XX/XX/XXXX ; Date of First Delinquency ( DOFD ) XX/XX/XXXX ; and, Estimated Date for Removal XX/XX/XXXX . ( Attachments 6, 12, 13 ) XX/XX/XXXX RLM intentionally RE-AGED this account on my credit reports by furnishing the CRAs, unsupported dollar amounts and newer delinquency dates ( DOLP ) XX/XX/XXXX ; ( DOFD ) XX/XX/XXXX ( Attachment 7 ). Accordingly, XXXX reports a new estimated date for removal as XX/XX/XXXX , while XXXX shows it will remain on record until XX/XX/XXXX .
Notification of this significant adverse action was never provided by RLM, nor any CRA, at any time whatsoever.
Clearly, RLM has maliciously and craftily reworded the language of the now pending subsequent Complaint ( Attachment 11 ) to conjure an illusion of verifiable accuracy as follows : a. ) Complaint states, due and owingfrom and after XX/XX/XXXX .
RLM furnished this date to the CRAs to reflect date of last payment XX/XX/XXXX .
b. ) Complaint states, by failing to pay the payment d ue XX/XX/XXXX , and all subsequent payments.
RLM furnished this date to the CRAs to reflect date of first delinquen cy XX/XX/XXXX .
XX/XX/XXXX XX/XX/XXXX I had attempted online disputes with all XXXX CRAs, but could not as they were all having technical difficulties. I then called each to dispute by phone. XXXX and XXXX both responded during the conversation that creditor had verified as accurate and the dispute was final. After spending weeks sorting through 12 year old boxes, I wrote each a dispute letter and assembled packages with plenty of documentation, concretely verifying that this account had been RE-AGED then sent by certified mail. ( Attachments 8-10 ) RLM HAS WILLFULLY AND MALICIOUSLY VIOLATED THE FCRA BY PURPOSELY AND ILLEGALLY RE-AGING THIS ACCOUNT, THEN VERIFYING THE FALSIFIED INFORMATION REPEATEDLY. Their monthly statements reflect a {$3600.00} loan mod charge for deferred interest. This was first charged by XXXX on XX/XX/XXXX statement, which should have been deleted since they illegally withdrew the loan mod and reallocated 1st payment. This is clear evidence they have the XXXX accounting records to verifying the original XXXX CRA reporting. ( Attachments 17 & 18 ) CRA NEGLIGENCE While all XXXX CRAs relayed virtually the same information, my phone conversation with XXXX lasted much longer due to the communication barrier. After continually asking the agent to repeat herself, I was transferred to a supervisor ( with a slightly less heavy accent ) who refused to investigate further for the simple reasons the account numbers are different, Rushmore is the client, not the consumer, and, she was under no obligation to pursue an investigation based on consumer provided information. She became loud and rude, then reluctantly asked if I wanted to start a full investigation. I confirmed but to this day, have yet to receive her forthcoming email.
In accordance with the FCRA, I then prepared dispute letters ( Attachments 8-10 ), attached previous credit reports ( Attachments 6,12,13 ) and other supportive documentation undeniably verifying that the negative information RLM furnished on XX/XX/XXXX , was in fact, reported previously by XXXX from XX/XX/XXXX XX/XX/XXXX . Sent by certified mail, the green card from XXXX returned blank. I had to trek back to post office and request a computer printout. To date, all XXXX CRAs have merely provided results that consumer has again verified as accurate ( Attachments 14-15 ). Clearly, a proper investigation was not conducted. The documents I provided, if reviewed, would have concretely proved otherwise. The prior credit reports by themselves should have deemed this immediately removable.
Its inconceivable that a U. S. taxpaying consumer claiming to be unlawfully harmed, carries burden of proof, without recovery fees, submits undisputable evidence generated by the CRA, on CRA letterhead, and then is denied resolution by simple virtue of the creditors merit, while creditors can walk into courtrooms and win cases without ever producing notes.
In my written disputes, I had requested a full comprehensive consumer disclosure of my file, and, a full investigation. None have complied as such, just that updates were made if deemed necessary.
The negative impact of this illegal re-aging has unfairly caused tremendous turmoil in nearly every aspect of my life.
ACCOUNTING The amounts furnished by RLM for outstanding balances, fees, expenses, and advances are escalated, unreasonable and rarely the same on most of the documents and statements produced. A complete historical account breakdown was requested through discovery, however RLM has yet to provide anything other than RLMs monthly statement. Most likely due to the XXXX they refuse to acknowledge.
XX/XX/XXXX Rece ived an updated mortgage statement reflecting an increased balance due to RLM with no adjustment for the charged off amounts. ( Attachment 17 ). It also references a deferred balance of {$3600.00} as amount of principal deferred as part of the terms of a loan modification. This is the same amount found on XXXX statement dat ed XX/XX/XXXX ( Attachment 18 ) first reported as unpaid interest as a result of a loan mod they approved, then immediately withdrew after they tricked me into a payment shortage. And, I can only assume that the plethora of {$100.00} prop preservation charges are for mowing the zero lot-line yard.
Summarized below is the chain of events to substantiate this complaint, as well as show cause for many other discrepancies.
I first became delinquent on my mortgage loan in XXXX due to the financial effects of the economic housing crisis on my profession as a Florida XXXX XXXX . I had requested and was approved for a 6-month temporary loan mod through XXXX XXXX XXXX ( XXXX ) by way of letters dated XX/XX/XXXX and XX/XX/XXXX reflecting new 4.25 % rate, payments of {$1700.00}, and also, stating that the account had been restructured to reflect a current status and next payment due XX/XX/XXXX .
XX/XX/XXXX To insure compliance, I phoned XXXX and made a payment amount of {$1700.00}, the exact amount as stated by the XXXX rep.
XX/XX/XXXX Received letter stating XXXX was withdrawing the modification due to the terms of the loan modification.
XX/XX/XXXX I called for clarification only to be told that the amount of my last payment was incorrect as it didnt include an escrow payment, therefore, XXXX considered the payment to be late allowing them to immediately resume collection and start foreclosure, as well as, revert to original interest rate and payment. After unsuccessfully pleading the reason for the amount paid on XX/XX/XXXX , I th en authorized the increased payment of {$2400.00}. This was the last payment I was ever able to make and thus reported as the date of last payment.
XX/XX/XXXX XXXX filed for foreclosure.
Count I of this Complaint states : 1. This is an action to reestablish a promissory note 2. delivered to XXXX XXXX XXXX ( no mention of XXXX ) 3. Plaintiff i s the owner of said note.
4. The original promissory note was lost or destroyed subsequent t o Plaintiffs acquisition thereof, the exact time and mannerbeing unknown to Plaintiff. < P/>
It was later discovered that XXXX did not have authority to file suit as they had not been assigned the mortgage.
XX/XX/XXXX XXXX prepared a postdated assignment of mortgage to XXXX ( 19 months after XXXX had filed their foreclosure complaint ).
XX/XX/XXXX XXXX recorded Corporate Assignment of Mortgage to XX/XX/XXXX declaring : XXXX , as nominee for XXXX XXXX XXXX , ( the original creditor [ XXXX ] ), assigned and conveyed to XXXX in consideration of {$10.00}, the mortgage together with the Note or other evidence of indebtedness ( the " Note '' ), said Note having an original principal sum of {$340000.00} with interest, secured thereby, together with all moneys now owing or that may hereafter become due or owing in respect thereof, and the full benefit of all the powers and of all the covenants and provisos therein contained, and the said Assignor hereby grants and conveys unto the said Assignee, the Assignor 's beneficial interest under the Mortgage. TO HAVE AND TO HOLD the said Mortgage and Note, and also the said property unto the said Assignee forever, subject to the terms contained in said Mortgage and Note.
This assignment further shows evidence of fraud as such : a ) recording requested by and return to XXXX XXXX XXXX , as well as, Law Offices of XXXX XXXX XXXX ( Florida foreclosure mill firm shut down in XXXX ) ; b ) prepared by XXXX XXXX , XXXX XXXX XXXX at XXXX XXXX XXXX , XXXX , NY XXXX ; c ) signed by XXXX XXXX , Vice-President of XXXX XXXX at XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX , VA XXXX ; d ) witnessed by confirmed robo-signers XXXX XXXX , XXXX XXXX and XXXX XXXX as notary in XXXX , NY.
e ) XXXX XXXX has signed on behalf of XXXX XXXX XXXX XXXX . whose address is in VA while XXXX XXXX ( whose handwriting changes often ) is a notary in NY.
f ) Betw een XX/XX/XXXX XX/XX/XXXX I have evidence of twelve ( 12 ) other ( unrelated ) recorded documents, signed by four different XXXX employees ( some on the same day ). All have signed as the Vice-President of XXXX XXXX .
XX/XX/XXXX , XXXX voluntarily dismissed the complaint without prejudice. In accordance with the FCRA, the CRAs continued to report this negative mortgage default account through the 7-year maximum duration period clearly identified on prior credit reports with the estimated date for removal XX/XX/XXXX XX/XX/XXXX XXXX issued a new Notice of Intent to Cure for payments due on or after XX/XX/XXXX It further states that to correct this breach, the total amount of $ XXXX must be received no later than XX/XX/XXXX . Only the full amount due will be accepted. Failure to cure the default on or before the date specified in this notice will result in acceleration of the sums secured by the Mortgage/Deed of Trust and may result inforeclosure. ( This Notice was attached to the current Plaintiffs R esponse to Defendants Request for Production. ) XX/XX/XXXX , XXXX , by XXXX XXXX XXXX ( XXXX ), as Attorney in Fact, assigned the mortgage to XXXX XXXX XXXX XXXX , as Trustee for XXXX XXXX XXXX XXXX . However, the chain of title recorded in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows XXXX and XXXX XXXX XXXX XXXX assigned to XXXX .
XXXX seems to be the servicer at this point, although Ive never received notice nor seen any authorizing document. I did however, receive 67 illegal robo-calls from XXXX between XX/XX/XXXX - XX/XX/XXXX .
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , ( XXXX ), Attorney for Plaintiff, fi led a subsequent Complaint for Foreclosure of Mortgage on beha lf of XXXX XXXX XXXX XXXX , as Trustee for XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , as Attorney of Fact, by XXXX XXXX , Authorized Signatory.
As required by the FL Statute of Limitations for subsequent filings, new default dates were established and stated in this Complaint as : COUNT I Paragraph 6. Defendant ( s ) have defaulted under the Note and Mortgage by failing to pay the payment due XX/XX/XXXX , and all subsequent payments.
Paragraph 8. Defendant ( s ) o we Plaintiff {$32 0000.00} that is due and owing on principal on the Note and Mortgage, plus interest from and after XX/XX/XXXX , and title search expenses This Complaint includes a Certification of Possession Pursuant to Fl. Stat. s.702.015 ( 4 ) dated XX/XX/XXXX . XXXX XXXX as Original Documents Assistant verified that the original note is in the possession and location of XXXX s office, and, that XXXX received the original note from XXXX . However, no date is mentioned as to when XXXX received the note. When, how and from whom did XXXX receive the original note is crucial since XXXX claimed it to be lost or destroyed in its XXXX Complaint.
XX/XX/XXXX XXXX sends force-placed ASI policy that went into effect XX/XX/XXXX .
XX/XX/XXXX XXXX notifies me of cancellation of said policy effective XX/XX/XXXX .
XX/XX/XXXX Rushmore sends Notice of Sale of Ownership of Mortgage Loan. Very confusing and misleading. States prior creditor has sold your loan ( described below ) to us, the new creditor identified below. Next paragraph, **NOTE : The new creditor identified below is not the servicer of your loan. Page 2 says Your lender. Who are they referring to, the creditor or the servicer? The last sentence reads, Our rights and obligations as new creditor, XX/XX/XXXX XXXX , transferred servicing to Rushmore Loan Management ( RLM ) although no documentation has been provided or recorded confirming XXXX authority to do so.
XX/XX/XXXX , XXXX furnished two ( XXXX ) XXXX forms ( Cancellation of Debt ) totaling {$280000.00}, identifying date of identifiable event XX/XX/XXXX ; debt description mortgage ; identifiable event code I.
XX/XX/XXXX Assignment of Mortgage : XXXX XXXX XXXX XXXX as trustee for XXXX XXXX XXXX XXXX t, XXXX XXXX XXXX , XXXX XXXX , OK XXXX hereby assign and transfer to XXXX XXXX XXXX XXXX , not in its individual capacity but solely as trustee for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , DE XXXX , all its right, title and interest to said mortgage.
This recording shows : Requested by XXXX XXXX XXXX Prepared by C XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX y Return to LR Department ( Cust : XXXX ), XXXX XXXX XXXX XXXX , CA XXXX XXXX MIN # : XXXX Loan # : XXXX Also, handwritten : XXXX ; XXXX XXXX Authorized Signatory, XXXX XXXX This Assignment was executed and notarized on XX/XX/XXXX by XXXX , Attorney in Fact, but not recorded until XX/XX/XXXX by XXXX , Attorney for Plaintiff. XXXX was also the servicer through XX/XX/XXXX . RLM began servicing on XX/XX/XXXX . So who is XXXX XXXX XXXX and why was I not notified of new servicer? How many servicers and attorneys are involved now? Who is the actual note holder at this point?
XX/XX/XXXX attached to the Plaintiffs R esponse to Request for Production is a Notice of Right to Cure Default by XXXX dated XX/XX/XXXX stating This is a notice of breachbecause we have not received the payments that were due on or after XX/XX/XXXX .. XXXX had originally issued a Formal Notice of Breach dated XX/XX/XXXX , demanding payment of {$5800.00} by last business day of that month ( only 20 days later ), and, If such payment is not received by that date, add an additional {$2400.00} for the next months payment, which must be received within thirty ( 30 ) days from the date of this letter. ( Less than a 30 day notice due to mailing time. ) It also states, Due to the delinquency of the mortgageall additional late charges and payments due after this notice must be included in your payment. ONLY THE FULL AMOUNT DUE WILL BE ACCEPTED.
Since I have not received any notice whatsoever of XXXX involvement, in any capacity including transfer of servicer, nor is XXXX mentioned in the recorded chain of title, one can reasonably conclude that this second demand letter was sent to reestablish the default acceleration date prior to t he XX/XX/XXXX assignment of the deed and note to XXXX XXXX XXXX XXXX , Trustee for XXXX XXXX XXXX XXXX t.
This Assignment shows : 1 ) XXXX requested recording on behalf of XXXX XXXX XXXX XXXX .
2 ) Execute on behalf of XXXX by XXXX XXXX as authorized signatory of XXXX , attorney in fact. She also signed in the same capacity, on an attached undated allonge. Her XXXX profile ( XX/XX/XXXX ) states she is Document Control Manager at XXXX XXXX XXXX and Project Manager of XXXX .
The note, allonges and mortgage ( sometimes identified as Exhibits A and B ) attached to each of the filed documents have been altered by an erasure use of " white out '' or complete black out to intentionally conceal information such as loan numbers on original docs at time first executed. Florida does not allow the use of correctional fluid or complete black out on their legal documents.
Altered docs : Verified Complaint for Foreclosure of Mortgage ( executed XX/XX/XXXX ), Exhibits A and B are full of black outs.
Notice of Action Constructive Service, Lis Pendens ( filed XX/XX/XXXX ), although attachments are not labeled as exhibits, differ as some of the blacked out information originally attached to Complaint is now showing and some of the black outs have been erased completely, such as the loan number on the Allonges.
Plaintiffs Response to Request for Productio n ( XX/XX/XXXX ) black outs appear only on the Note.
XX/XX/XXXX XXXX filed discovery responses attached with the above-mentioned allonges now identifying account number XXXX . This number is not to be found anywhere on the note. Further review revealed that this is the exact number identified on XXXX correspondence as XXXX Account Number.
This now questions the validity of the undated Allonges for these reasons : 1. The attached Note is stamp endorsed ( undated ), to XXXX XXXX XXXX XXXX XXXX with more than enough white space for endorsements which would thereby alleviate the need of an allonge ; 2. Undated allonge signed by XXXX XXXX , authorized signatory for XXXX as Attorney in Fact for XXXX , identifies XXXX assigned account number XXXX
3. Original Note Loan No : XXXX . XXXX assigned account number is hand-written, twice, at the top of the first page as XXXX , XXXX ( abbreviated for XXXX XXXX XXXX XXXX ).
Also noteworthy, XXXX XXXX XXXX XXXX was incorporated in XXXX .
I 've spent countless hours sifting through 12 yr old boxes of paperwork finding robo-signatures, discrepancies, illegal filings, broken chains, and phantom dates/documents. I 've submitted 2 disputes to each of the credit agencies ( CRA ) with verifiable attachments, including, prior credit reports ( XXXX - XXXX ) that proved concretely, the re-aging, and both times have been rejected simply because Rushmore Loan Management Services verified account as accurate without any documentation. My credit score is now in the red zone. 0 balance credit cards are being closed, interest rates are sky rocketing, offers withdrawn, premiums raised. It 's all due to the re-aging as every credit category is good - excellent. My new declining credit score gives me little chance of a decent job to support myself, nor obtain housing better than a shelter. For 10+ years I 've slept on couches, in my car, and even a storage unit. I 've sold most of my belongings, worked menial jobs, bartered services and learned to live without or DIY, just to survive. Turning to the advice on the CRAs websites and following their guidelines to the T, I 've worked hard over the past 10+ years to rebuild my life and my credit through exorbitant interest rates, terms and fees. Now, in an instant, just when I was starting to see light, it 's back to the trenches and worse. There are no more couches this time and I have nothing left to sell. It 's more than apparent that my inability to pay this debt is a hall pass for anyone who stands to gain, and, punishable to me for life. Substantiated facts seem irrelevant to the scheming illegal tactics carried on thus far. The laws seem to have no bearing on those with the most money. At XXXX yrs old, my health is declining, cant eat or sleep, and cant find a job as all my time is consumed writing letters, sorting through documents and research. I 'm more than exhausted and see no chance for recovery without the help of the CFPB.
I firmly believe all the recent upheaval stems from RLMs work model to render me broke and powerless, thereby safeguarding from any opposing resistance.
I beg the CFPB to please thoroughly review my statements of fact and attached supporting documents, to put an end to these unconscionable predatory tactics.
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| 03/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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My background story is that I applied for two loan modifications from Rushmore 's loss mitigation department, which was very difficult and time-consuming, while waiting, my mortgage payments significantly multiplied. The first loan modification was denied because they said I had sufficient income, even though I lost my husband 's income from separation and upcoming divorce. I disagreed with Rushmore and reapplied a second time. I was turned down by the Rushmore loss mitigation dept. again. They said my daughter 's and my social security incomes were sufficient to pay {$930.00} a month, even with six months behind payments of over {$6000.00} in debt to Rushmore. The loss of my husband 's income did not apply. A repayment plan was offered to me of {$1600.00} a month for six months, which I couldn't comply with because I did not have a {$1000.00} down payment or enough of a down payment to manage the repayment program. After speaking with many different reps. about my situation, it was suggested to me to apply for Rushmore 's COVID-19 's program offered to mortgage holders in default, to see if I qualified for assistance. I inquired about this COVID-19 Rushmore program. The rep said I could apply for 3-month forbearance and then she also gave me the website XXXX to apply for HAFs COVID-19 assistance. Turns out Rushmore has no COVID-19 mortgage assistance program. But they advertise they do then when you apply to Rushmore, they give you the above website. After which I asked Rushmore about my forbearance request, I had made last week to them, but they said they had not yet answered me about my request for a forbearance approval. Then I applied for the COVID-19 Homeowners Assistance Fund ( HAF ) : XXXX And, because I lost my husband 's income, I did qualify. Please note : ( During my questions for this complaint, I put yes that I paid someone to help me, but it was free. ) I wanted you to know that I did receive help and I was approved for mortgage assistance with the XXXX XXXX XXXX HAF program. as XXXX ) The reason for this complaint is that Rushmore loss mitigation has no COVID-19 homeowners ' assistance program as they advertised. Why then do they say they do? They give you a website that does not offer assistance. This website referred me to XXXX XXXX XXXX HAF federal-funded assistance for mortgage homeowners in distress. However, XXXX XXXX XXXX HAF said my mortgage lender Rushmore did not volunteer to work with the XXXX XXXX XXXX HAF program, by supplying a volunteer application to XXXX XXXX XXXX HAF for mortgage homeowners assistance. My complaint is that XXXX XXXX XXXX HAF approved my application approx. on XX/XX/XXXX. However, XXXX XXXX XXXX HAF said they had been waiting on Rushmore 's voluntary agreement application to officially work with XXXX XXXX XXXX since XXXX XXXX. XXXX XXXX XXXXXXXX HAF insists/mandates that without Rushmore 's voluntary consent application, they will not be able to process my mortgage payments to Rushmore. My complaint and distress are that the XXXXXXXX XXXX XXXXXXXX HAF rep said, they would pay my over {$6000.00} delinquent back payments and could place me on a six-month assistance plan, but not without Rushmore 's voluntary consent application to work with them. My complaint is that XXXX XXXX XXXX HAF sent my eligible package to Rushmore 's Homeowners Assistance Fund HAF department. XXXX XXXX XXXXXXXX HAF would not give me any contact information about Rushmore 's HAF department. I called Rushmore 's customer service and loss mitigation several times relaying the information about my eligibility from XXXXXXXX XXXX XXXXXXXX HAF to help me. Each response was cold and disinterested. One rep told me the Loss Mitigation department was in charge of the COVID-19 home assistance programs too, but I told the rep they would not contact XXXX XXXX XXXX HAF on my behalf after several pleas to them to do so. The rep said she would leave a message for Rushmores loss mitigation dept. about my situation and not to worry because they will help me with XXXX XXXX XXXX HAF 's eligibility approval. But when I did a follow-up call to Rushmore 's loss mitigation department, they would not contact XXXXXXXX XXXX XXXXXXXX HAF, instead they gave me an email to send with Rushmore 's banking info. When I called Rushmore customer service/loss mitigation again, I was upset and worried. Fortunately, this time a caring and knowledgeable Rushmore ( out-of-state rep ) said, that Rushmore is onboard with the COVID-19 mortgage assistance programs and that all the states had agreed to work with XXXX XXXX XXXX HAF programs to XXXX XXXX XXXXXXXX '' My background story is that I applied for two loan modifications from Rushmore 's loss mitigation department, which was very difficult and time-consuming, while waiting, my mortgage payments significantly multiplied. The first loan modification was denied because they said I had sufficient income, even though I lost my husband 's income from separation and upcoming divorce. I disagreed with Rushmore and reapplied a second time. I was turned down by the Rushmore loss mitigation dept. again. They said my daughter 's and my social security incomes were sufficient to pay {$930.00} a month, even with six months behind payments of over {$6000.00} in debt to Rushmore. The loss of my husband 's income did not apply. A repayment plan was offered to me of {$1600.00} a month for six months, which I couldn't comply with because I did not have a {$1000.00} down payment or enough of a down payment to manage the repayment program. After speaking with many different reps. about my situation, it was suggested to me to apply for Rushmore 's COVID-19 's program offered to mortgage holders in default, to see if I qualified for assistance. I inquired about this COVID-19 Rushmore program. The rep said I could apply for 3-month forbearance and then she also gave me the website XXXX to apply for HAFs COVID-19 assistance. Turns out Rushmore has no COVID-19 mortgage assistance program. But they advertise they do then when you apply to Rushmore, they give you the above website. After which I asked Rushmore about my forbearance request, I had made last week to them, but they said they had not yet answered me about my request for a forbearance approval. Then I applied for the COVID-19 Homeowners Assistance Fund ( HAF ) : XXXX. And, because I lost my husband 's income, I did qualify. Please note : ( During my questions for this complaint, I put yes that I paid someone to help me, but it was free. ) I wanted you to know that I did receive help and I was approved for mortgage assistance with the XXXX XXXX XXXX HAF program. ) The reason for this complaint is that Rushmore loss mitigation has no COVID-19 homeowners ' assistance program as they advertised. Why then do they say they do? They give you a website that does not offer assistance. This website referred me to XXXX XXXX XXXX HAF federal-funded assistance for mortgage homeowners in distress. However, XXXX XXXX XXXX HAF said my mortgage lender Rushmore did not volunteer to work with the XXXX XXXX XXXX HAF program, by supplying a volunteer application to XXXX XXXX XXXX HAF for mortgage homeowners assistance. My complaint is that XXXXXXXX XXXX XXXX HAF approved my application approx. on XX/XX/XXXX. However, XXXX XXXX XXXX HAF said they had been waiting on Rushmore 's voluntary agreement application to officially work with XXXX XXXX XXXX since XXXX XXXX. XXXX XXXX XXXXXXXX HAF insists/mandates that without Rushmore 's voluntary consent application, they will not be able to process my mortgage payments to Rushmore. My complaint and distress are that the XXXXXXXX XXXX XXXX HAF rep said, they would pay my over {$6000.00} delinquent back payments and could place me on a six-month assistance plan, but not without Rushmore 's voluntary consent application to work with them. My complaint is that XXXX XXXX XXXX HAF sent my eligible package to Rushmore 's Homeowners Assistance Fund HAF department. XXXX XXXX XXXXXXXX HAF would not give me any contact information about Rushmore 's HAF department. I called Rushmore 's customer service and loss mitigation several times relaying the information about my eligibility from XXXXXXXX XXXX XXXXXXXX XXXX to help me. Each response was cold and disinterested. One rep told me the Loss Mitigation department was in charge of the COVID-19 home assistance programs too, but I told the rep they would not contact XXXX XXXX XXXX HAF on my behalf after several pleas to them to do so. The rep said she would leave a message for Rushmores loss mitigation dept. about my situation and not to worry because they will help me with XXXX XXXX XXXX HAF 's eligibility approval. But when I did a follow-up call to Rushmore 's loss mitigation department, they would not contact XXXXXXXX XXXX XXXXXXXX XXXX, instead they gave me an email to send with Rushmore 's banking info. When I called Rushmore customer service/loss mitigation again, I was upset and worried. Fortunately, this time a caring and knowledgeable Rushmore ( out-of-state rep ) said, that Rushmore is onboard with the COVID-19 mortgage assistance programs and that all the states had agreed to work with XXXXXXXX XXXX XXXXXXXX XXXX programs to XXXX XXXX XXXX homes. My further complaint is I can't get the XXXX XXXX XXXX XXXX program in XXXX OH, and Ohio 's Rushmore Loss Mitigation representatives to work together on my behalf, even after XXXX XXXX XXXX HAF approved my application as eligible. Rushmore will not call XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX said they could not call my processor at Rushmore loss mitigation because of security rules. XXXX XXXX XXXXXXXX HAF, said they sent over my eligible package to Rushmore 's HAF department. Also, they said that they sent over another notification for Rushmore 's voluntary consent application to work with XXXX XXXX XXXXXXXX XXXX to Rushmore 's HAF department ( see below email ). But XXXX XXXX XXXXXXXX HAF said they had already been waiting two months for Rushmore 's first application reply for their consent to work voluntarily with XXXX XXXX XXXX HAF. My loan is six months behind. Another two months delay and I will never be able to make any type of personal arrangements to save my home. Are there two separate departments at Rushmore handling HAF homeowners ' assistance programs? Then another department in Loss Mitigation for COVID-19 assistance programs? My complaint is complex. I have been working with Rushmore since XXXX of XXXX since my husband 's and my plans to divorce during the horrific pandemic-related mental and physical interferences. Rushmore has unapologetically and uncaringly put me through pain-staking application assistance for two loan modifications with no consent to help me. XXXX XXXX XXXX XXXX application assistance was painstaking and hard to do. I complied with everyone 's rules and compliances to get help. Another complaint is that my final and last hope are based on Rushmore 's loss mitigation volunteering application to be completed and turned in to XXXX XXXX XXXX. I am waiting for assistance to work in XXXX XXXX XXXX HAF program! Rushmore advertises they have a COVID-19 HAF program to help homeowners. When you go to apply for their program, they give you a maybe offer for a three-month forbearance, which I will still owe after the three months. Then they refer you to a website for COVID-19 homeowners assistance, HAF, which in turn that web site refers you to the XXXX XXXX XXXX HAF website. Rushmore has no COVID-19 homeowner 's assistance program. They will not work with XXXXXXXX XXXX XXXX HAF program for my assistance. Rushmore will not cooperate. Please, please save my home. I have been approved for eligibility for help through XXXX XXXX XXXXXXXX HAF program to work with and pay Rushmore my arrears. My further complaint is I can't get the XXXX XXXX XXXX HAF program in XXXX OH, and Ohio 's Rushmore Loss Mitigation representatives to work together on my behalf, even after XXXX XXXX XXXX HAF approved my application as eligible. Rushmore will not call XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX said they could not call my processor at Rushmore loss mitigation because of security rules. XXXX XXXX XXXXXXXX HAF, said they sent over my eligible package to Rushmore 's HAF department. Also, they said that they sent over another notification for Rushmore 's voluntary consent application to work with XXXXXXXX XXXX XXXXXXXX HAF to Rushmore 's HAF department ( see below email ). But XXXX XXXX XXXXXXXX HAF said they had already been waiting two months for Rushmore 's first application reply for their consent to work voluntarily with XXXX XXXX XXXX HAF. My loan is six months behind. Another two months delay and I will never be able to make any type of personal arrangements to save my home. Are there two separate departments at Rushmore handling HAF homeowners ' assistance programs? Then is there another department in Loss Mitigation for COVID-19 assistance programs? My complaint is complex. I have been working with Rushmore since XXXX of XXXX since my husband 's and my plans to divorce during the horrific pandemic-related mental and physical interferences. Rushmore has unapologetically and uncaringly put me through pain-staking application assistance for two loan modifications with no consent to help meXXXX XXXX XXXXXXXX XXXX XXXX application assistance was painstaking and hard to do. I complied with everyone 's rules and compliances to get help. Another complaint is that my final and last hope is based on Rushmore 's loss mitigation volunteering application to be completed and turned in to XXXX XXXX XXXXXXXX. I am waiting for assistance to work in XXXXXXXX XXXX XXXXXXXX HAF program! Rushmore advertises they have a COVID-19 HAF program to help homeowners. When you go to apply for their program, they give you a maybe offer for a three-month forbearance, which I will still owe after the three months. Then they refer you to a website for COVID-19 homeowners assistance, HAF, which in turn that web site refers you to the XXXX XXXX XXXX HAF website. Rushmore has no COVID-19 homeowner 's assistance program. They will not work with XXXXXXXX XXXX XXXXXXXX HAF program for my assistance. Rushmore will not cooperate. Please, please save my home. I have been approved for eligibility for help through XXXXXXXX XXXX XXXX HAF program to work with and pay Rushmore my arrears.
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| 03/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I am requesting your evaluation of a matter that involves the potential loss of my home. As a matter of information and coordination, I have also been working with XXXX XXXX at the Michigan Department of Insurance and Financial Services on this matter. However, given the importance of this matter to my family, I am also referring this to the CFPB to ensure that all avenues have been explored in our effort to bring a satisfactory solution for all parties to our loan.
In XX/XX/XXXX, my wife and I consummated two above-market rate mortgage loans with XXXX XXXX XXXX which were immediately sold to XXXX XXXX prior to making the first payment. The intent was to execute a 3-5 year debt reduction strategy and refinance at a market rate at the end of this period. However, the economic downturn in XX/XX/XXXX brought the collapse of home prices and in XX/XX/XXXX, my wife lost her job which result in our income being reduced by 35 %. For the period immediately subsequent to her losing employment up until XX/XX/XXXX, through reliance on our personal and retirement savings as well as selling our second car, we managed to keep our loans current while my wife attempted to find employment. However, starting in XX/XX/XXXX, still lacking a replacement for her job, we began to fall behind on our mortgage. At that point, we did precisely what would be standard protocol for this situation and contacted all of our creditors to make payment arrangements consistent with our available resources. With the exception of XXXX, we reached agreement with all the non-mortgage creditors and over the course of 8 years have paid off the principal balance ( totaling in excess of {$80000.00} ) for all but one for which we will make the final payment in XX/XX/XXXX. Additionally, during the last 36 months, we have reduced the 2nd mortgage by {$23000.00} and over the life of the loan to-date have reduced the 1st mortgage balance by {$26000.00}. XXXX, however, would not make any arrangements or efforts to bring the mortgage payments into alignment with our financial capabilities even to the extent of refusing to accept an application to refinance the loan even though at that point we had a good payment history. The only accommodations they made during this time was to allow for partial payments but still continued to assess late charges and charged us for accepting the payments over the phone. Also, during this period, they began rolling accrued interest to the end of the loan in an effort to bring us current. This process continued for the next six years during which we were diligent in making and honoring payment arrangements all the while continually inquiring about the possibility of a modification or refinance to end this craziness. However, they seemed quite content with keeping the late fee and interest accrual revenue machine chugging along. In XX/XX/XXXX, they charged-off the 2nd mortgage and sold it to XXXX XXXX XXXX. In XX/XX/XXXX, XXXX sold our loan to XXXX XXXX and included with the sale of this mortgage was accrued interest in the amount of {$22000.00} and late charges in the amount of {$2700.00}. Although we continued to struggle, lacking any other option ( that we were aware of ), we continued slogging along in an effort to protect our family home of 25 years. In XX/XX/XXXX, our loan was sold again to XXXX XXXX XXXX along with the huge accrued interest and late fee balance.
Also occurring during XX/XX/XXXX, our 25 year old furnace failed and the {$3400.00} it cost us to replace it put us once again in the position of being behind on our mortgage. In conversations with Rushmore Loan Management Services ( servicing the loan on behalf of XXXX XXXX XXXX ), they advised us to submit a loan modification application which we did so on XX/XX/XXXX via fax. On XX/XX/XXXX, having not heard anything regarding our modification request, we contacted Rushmore and were informed that our application had been denied on XX/XX/XXXX because the lender does not evaluate or grant loan mitigation requests unless the loan is at least 60 days past due. When we inquired about a denial notice that should have been provided, we were advised we had been sent one on that date. We advised we had not received it and we received an overnight package on XX/XX/XXXX with this notice. Similar to what we were told verbally, the denial reason was The Owner of your loan does not offer a loan modification based on the level of delinquency of your account. We were counseled to resubmit some income documentation to re-initiate the modification review process and escrow our payments until the status of the modification process was finalized.
On XX/XX/XXXX, I received my response regarding our request for a loan modification. Regrettably, they denied this request although I am requesting clarification of the reasons for this denial as the notice listed a number of potential reasons but it is unclear which apply to me. I have included a copy for your reference.
In the notice provided, Rushmore indicated they obtained a Broker Price Opinion which estimated the value for our property at {$190000.00}. Based upon this value, in an effort to save our home of 25 years, I have received a commitment from my current employer ( see attached commitment letter ) for a mortgage loan in the amount of {$190000.00} at a rate of interest ( a 7/1 ARM with an initial rate of 2.4 % ) more consistent with the market. The resulting payment will put our housing debt ratio well within industry guidelines with the total debt-to-income ratio also well within guidelines reflecting our diligent efforts to reduce our outstanding debts. We have proposed to Rushmore a settlement amount of {$190000.00} ( and included a copy of the commitment letter ) which would entirely liquidate the outstanding principal balance while leaving unpaid $ 17,000+ in deferred interest and $ 2.700+ in unpaid late charges. ( see attached loan statement ) The vast majority of these charges were accrued during the period the loan was owned and serviced by XXXX and prior to the subsequent sale of this loan to XXXX and XXXX XXXX XXXX XXXX XXXX XXXX.
During the entire period subsequent to origination of this loan by XXXX, we have been treated very poorly by all owners of this loan. All have been unwilling to work with us and the game plan has seemed to be to keep our credit damaged to eliminate our ability to refinance in order to protect the high rate of interest and to keep generating interest accrual/late fee income. I have long felt that XXXXs actions were inconsistent with the UDAAP and perhaps even the ECOA but we were reluctant to pursue a complaint with the CFPB. Our concern was that if a complaint was unsuccessful, we might be subjected to more aggressive collection actions. What I did not know was that our loan was sold 60 days before XXXX entered into a settlement agreement with the DOJ, CFPB and all the states attorney generals covering UDAAP violations of the exact nature we were subjected to. I did not learn about this until the expiration of the settlement process and can not fathom why we would have been excluded other than perhaps deception on XXXXs part. In spite of this, based on our remediation efforts and the increase in our home value as the economy improved, we are in the best position yet to resolve this matter once and for all. My concern is that the large balance of accrued interest/late fees will impede our ability to reach an agreeable settlement. When added to the principal balance outstanding, the total payoff would be far in excess of the market value they have identified and if they stand resolute in requiring payment of them, it would likely preclude our ability to execute a refinance. I understand these accruals/fees are perfectly legal ; however, I believe that XXXX employed unfair and abusive practices in accumulating them. Moreover, given my knowledge of the pricing of the sale of mortgage loans ( particular delinquent or troubled loans ), and the fact that XXXX was anxious to liquidate all their US mortgage loans, I am certain the price established with XXXX involved a discount to the principal value and did not include these fees which would be considered an additional income opportunity for XXXX. Subsequently, in the sale of this loan by XXXX to XXXX XXXX, I am certain the principal value was discounted even further given the delinquency that existed at the time of sale and also did not include the accruals/fees. In short, I am certain the {$190000.00} offer significantly exceeds the value XXXX XXXX holds on the books for our loan and would represent a very nice return for the 4 months they have held the loan. On top of the other indignities we have experienced, I would regret losing my home because these charges represent an insurmountable hurdle to reaching an settlement agreement In my opinion, our offer would likely exceed any net amount they could expect from foreclosure when you subtract the time and costs they would incur to acquire the property, manage it until sale as well as the corresponding sales fees and commissions.
In line with the following statement made in conjunction with the DOJ settlement agreement imposed upon XXXX, we ask that you evaluate these interest accrual/late charges as we believe they are the result of unfair and abusive practices.
Mortgage servicers have a responsibility to help struggling borrowers remain in their home, not to push them into foreclosure, said General Counsel XXXX XXXX of HUD. This agreement is another example of how multiple agencies in the federal government and state attorneys general across the country are working to make sure the mortgage industry treats consumers fairly.
In conclusion, it has been a long, arduous road back for us but I firmly believe that a reasonable solution can be worked out that would satisfy all parties to this transaction. Over the last 10 years, we have done everything we believed possible to position us to emerge from this situation. However, our single point of contact at Rushmore has not been responsive despite repeated calls and voicemails and given our prior experience with these lenders, we want to make sure all viable options are exhausted in our efforts to keep our home. We are not unreasonable in our expectations and are willing to do everything we can within our means to structure an agreement to retain our home. The bank that I work for recognizes the work that I have done getting here as well as the impact on our ability to service our debts given a rate reduction from 8.5 % to 2.4 % and will support a refinance to the extent that they can. However, they must operate within LTV considerations and if XXXX XXXX insists on a total payout of these fees ( even though they would not likely capture them if they had to acquire and sell the property themselves ), it would likely push us into foreclosure.
Because we have gone from the potential of executing a modification to our only option being the sale of our home on a short sale, for which Rushmore Loan Management Services is demanding we provide them with a listing agreement within 14 days of their letter dated XX/XX/XXXX ( which we did not receive until XX/XX/XXXX ), TIME IS OF THE ESSENCE! Given these time constraints, we are submitting this matter to you contemporaneously with the submission of our settlement proposal to Rushmore in the event these fees become an impediment to reaching a settlement agreement.
We look forward to your prompt review of this matter and any assistance in ensuring a resolution that is equitable to all parties. We look forward to rejoining the mainstream credit community as well as preparing for our retirement and enjoying life once again.
Enclosures Rushmore Loan Modification Denial Package XXXX XXXX loan commitment letter Rushmore loan statement Rushmore settlement proposal communication Copy of XX/XX/XXXX appraisal report ( referenced in the settlement proposal )
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| 01/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Rushmore Loan Management Services Consumer Affairs Department Attn : Request for Information XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX RE : Loan # XXXX To Whom It May Concern, Rushmore Loan Management is not abiding by the terms of our loan. They have committed an error and have fraudulently attempted to increase the payment of the modified loan. The loan is in the name of my ex-husband, XXXX XXXX XXXX, however I am the one who lives in the home and makes the monthly payment, I am also authorized on the account. In XXXX of XX/XX/XXXX, we were awarded a loan modification with our previous lender, XXXX XXXX XXXX. The modification note is included with this letter. The modification is for a 60-month term, which includes fixed monthly, interest only payments for 60 straight months. The modification includes impounds for property taxes, which are collected at a lesser amount than the actual property taxes. The difference between the amount of the property taxes and what was collected by XXXX and now Rushmore accumulates into an escrow account, as per the terms of the loan, which will become a balloon payment added to the principle of the loan at the end of the 60-month modification term. This was explained to us at great length before accepting the loan modification. We are just over 2 years into the loan modification.
Unfortunately, shortly after Rushmore Loan Management took over the servicing of the loan, they did an escrow analysis and determined that the payment needed to increase by nearly {$600.00} per month to cover the negative amount accumulating in the escrow account from the property taxes. I have been told that Rushmore has a rule that when the escrow account totals more than {$10000.00} they will adjust the payment. This is where the error comes in. The terms of the Loan modification call for the deferred amount, the property taxes, to accumulate in the escrow account. Rushmore must honor the terms of the loan. The terms of the modification supersede any rules or preferences that Rushmore has prior to servicing the loan. This escrow analysis was conducted around XXXX of XX/XX/XXXX by Rushmore, as a result, Rushmore incorrectly has tried to increase the payment. The new payment was slated to start on XX/XX/XXXX. This however is incorrect and is in direct conflict with the terms of the loan. I have had hundreds of calls with Rushmore Loan Management since XX/XX/XXXX to try to resolve this matter.
I was told in XX/XX/XXXX and XX/XX/XXXX by several representatives of the Loss Mitigation Department for Rushmore that the internal Consumer Affairs department would investigate the matter. After long last, I was assured that the Consumer Affairs Department have acknowledged the error and that they would be correcting it. I have asked for full names and contact numbers and was told that they could not be given out. I have asked for something in writing to confirm that this will be fixed and was told that also could not be provided at this time, but that it would be eventually when the matter has been corrected.
In the meantime, I have received foreclosure notices from Rushmore, my ex-husband and I get daily phone calls from Rushmore. The representatives in the Loss Mitigation department that have been helpful to me have informed me that they have updated the notes to reflect that the error is being corrected, I have been told to just be patient. I have been instructed to simply advise Rushmore representatives who call to read the notes and they do and thats the end of the phone call.
Much time has passed with no concrete resolution to this problem. I have been told many times that my account rep is Mr. XXXX XXXX, I have asked to speak to him and was told that he would call me back. He has never called me back. Numerous account reps say they will transfer my call to him, only to come back on the line and tell me that he is unavailable. I have received delinquent payment notices from XXXX XXXX that have a phone number, I have tried calling it and nothing happens, the phone does not even ring. I am pretty sure XXXX XXXX does not exist. I continue to speak to people in Rushmores Loss Mitigation department who have assured me that this is definitely Rushmores error and it will be fixed. When asked what I do in the meantime, I am told just keep making my regular monthly payment of {$2300.00}, which I have continued to do on time. The problem is when I make my regular payment, Rushmores computers determine it is not the full amount since the records still incorrectly show that they want to collect the higher amount of {$2900.00}. So, when I send my payment in, it is put aside, perhaps in another escrow account, until the next months payment comes in and then the previous months payment is considered paid. Meanwhile, I get daily calls claiming that I have not made my mortgage payment or that the payment is late. My ex-husbands credit is taking a beating and he is getting very irate over this whole ordeal. To be 100 % clear, I have never had a late payment on this loan! I have continued to make my regular monthly payment as advised by Rushmores representatives. I have been assured by Rushmores Loss Mitigation Department, that the Consumer Affairs Department has conducted an investigation in to the matter and that they have determined that they were in error in attempting to increase the payment in XXXX of XX/XX/XXXX. I have been told that the payments will all be corrected as well as my ex-husbands credit and the payments will return to the original modified amount of {$2300.00}.
At this time, the matter has still not been resolved and the frustration is mounting. This has caused a massive amount of XXXX and XXXX both in my life, my childrens lives and the life of my ex-husband. I was completely remiss in believing the previous representatives that have assured me that this would be corrected. I was originally told to send in a copy of my Modification Agreement, I faxed about 25 copies to many different departments at Rushmore Loan Servicing, because I know how these things go. I was told they only received one copy. When the copy was looked over, I was told that Rushmore was not aware of this Modification Agreement. I was told an investigation would be opened and a decision would be made. I called daily for a one-month period until I could get an answer as I have been a nervous wreck about this, especially after receiving foreclosure notices from Rushmore. At long last, I was told by no less than 3 agents in the Loss Mitigation department that it was positively determined to be an error and I was assured that it would be corrected. I was told to continue to make my regular monthly payment of {$2300.00} and assured that everything would be corrected including XXXX credit. I was told that Rushmore would make sure that all lates were removed and that they would do whatever was necessary to make things right. When asked for proof or a timeframe, I was told that they could not give me a timeframe but that when it was all done, I would receive a letter to that affect. Not much of a guarantee, but it was all I was offered, I was also told that all the notes in the file would reflect the correction being made.
I have called many times since then, usually the customer services representatives do not want to transfer me to the Loss Mitigation department, however, when they do, the same information has been relayed to me. I am told to be patient and to continue making my regular monthly payment of {$2300.00}. I am always assured that this will be corrected soon. This has helped me to relax a bit and try to convince my ex-husband to relax as well.
More than 6 months have gone by and it does not seem like anyone is doing anything about this matter. I continue to receive default and late payment notices from Rushmore as well as phone calls. Today, I asked again to be transferred to the Loss Mitigation Department after I was called by a Rushmore Rep. After speaking with a rep for some time, she informed a supervisor, who then took my call. The supervisor was named XXXX, like everyone else, he refused to give a last name or contact information. XXXX seemed to be completely in the dark and said the notes were not complete, the results of the Consumer Affairs Investigation was not clear and went back to the original escrow analysis done in XXXX of XX/XX/XXXXand said that is why the payments have increased. After all my hundreds of hours on the phone with representatives from Rushmore, and assurances that this would be corrected soon, we are now back at square one. I can not even articulate the frustration!
As a result of XXXX calling Rushmores Irvine office an inquiry was opened on XX/XX/XXXX, a letter was sent via XXXX XXXX on XX/XX/XXXX letter attached. In the letter Rushmore states that inquiry is under review and we will have a response within the next 30 days, today is XX/XX/XXXX, no response has been sent.
I am writing this letter to have the Rushmore Loan Management Consumer Affairs Department once again look over the Modification Agreement and see that the terms of the loan call for FIXED monthly payment for 60 months. The only way that the payments can change during the 60-month period are if escrow items ( primarily taxes and insurance ) increase or decrease. This has not happened and if the property taxes increased it would be very nominal, say {$5.00} a month. XXXX at your Loss Mitigation department did not understand the Modification Agreement and simply kept telling me that it was due to the escrow analysis back in XXXX of XX/XX/XXXX, again, this takes us all back to square one, which is a huge waste of time. XXXX suggested that I write this letter to your department and he said that Rushmore can even contact the lender that wrote the modification agreement, XXXX XXXX XXXX to ask them what they intended by this modification. My current modification is for a 4 % interest only loan, my previous loan was a 4 % interest only loan, the only difference is this property tax deferred amount. Outside of the lesser amount collected for property taxes and the balloon escrow payment at the end of the 60-month modification term, this loan is the same loan that I had previously. Admittedly, this loan will create a major problem for me at the end of the 60 months, but at the time that it was offered to us in XX/XX/XXXXof XX/XX/XXXX, it was the only offer on the table. I was assured outside of a small property tax increase, that my payments would remain fixed for 60 months guaranteed. Simply put, Rushmore Loan Servicing is not honoring the terms of the loan.
I would prefer not to hire an attorney ; however, I have consulted with one. I also plan to file a complaint with the Consumer Financial Protection Bureau. I humbly ask that Rushmore resolve this matter once and for all. I also ask that Rushmore remove the inaccurate late payment reporting for XXXX XXXX XXXX and that the phone calls and threating letters from Rushmore Loan Management Servicing cease. This has caused a huge financial hardship and has also caused a tremendous amount of unnecessary stress and angst. Once this matter is resolved it is my hope that Rushmore will permanently modify this loan to something that will be more agreeable so that this will never happen again and to make amends for this injustice.
Please contact me with any information or with any questions at ( XXXX ) XXXX or email, XXXX.
Thank you for your consideration, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
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| 08/16/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Dear Sir/Madam, I have concluded an extensive investigation and analysis of various documents associated with my Loan and the purported transfers and assignments thereof. These documents include : the Trust Deed, Note, and relevant foreclosure documents. I have determined there was apparent fraud involved with respect to several parties involved in invalid transfers/assignments of the Deed of Trust and Note relating to the above-mentioned property address. The invalid and fraudulent conveyance of rights, title and interest created lack of authority to transfer, substitute, or convey rights, title and interest of our Client 's property rights in relation to Deed of Trust, dated XX/XX/XXXX and recorded XX/XX/XXXX. As an additional matter, I am alarmed with the manner in which I have been treated by Rushmore Loan Management Services LLC 's representatives and single point of contact XXXX XXXX. Rushmore 's representatives and Rushmore single point of contact XXXX XXXX have made blatant misrepresentations_never return call, incorrectly imposed a late fee, causing me serious damages, including the potential foreclosure of my home. Rushmore Lost Mitigation XXXX ID XXXX confirm on XX/XX/XXXX in the amount of {$15000.00} _ included {$14000.00} from the previous servicer/Trustee ( XXXX XXXX XXXX XXXX ), Corporate advance $ XXXX_included {$4300.00} again from the previous servicer ( XXXX/ XXXX XXXX XXXX XXXX ) . Attached please find the Reinstatement quote from ( XXXX XXXX XXXX XXXX XXXX ). I requested Rushmore breakdown all their Fee/Late Charge/Payment and they never did. Rushmore single point of contact ( SPOC ) XXXX XXXX is completely unprofessional. Her customer service is non existent, she 's sleeping, she does n't know what 's going on with your file. I did request a reinstatement from XX/XX/XXXX until now XXXX never send it to me. Every time my representative ( XXXX ) call and request them to send me the reinstatement quote they refer me back to the sleeping, not working SPOC XXXX XXXX, until now almost a month, they continue process foreclosure on my property but I still did not receive the reinstatement quote as I requested. This loan has been reinstated on XX/XX/XXXX. Reinstating my loan means I pay the entire amount I 'm behind ( arrears ) plus all related fees ( such as interest and late fees ) to bring my loan current. After I reinstate, my loan did appear as paid to date in the lenders records and I will resume making my original mortgage payments. That 's what I know and I was back to my regular payment until the loan transfer to Rushmore Loan Management Services LLC. I need your explaination in detail with all evidence/documents that you have the right to increase my monthly payment from {$2900.00} to {$11000.00}.
The above-mentioned violations subject you to sanctions and nullification of the loan and the substantial nature of this claim may exceed the policy limits on any and all insurance policies issued that cover these types of risks. There are many legal issues here ; ( 1 ) Here, there is a lack of clarity as to the identity of the real party in interest with the power to foreclose. I contend that through their own actions, none of the parties involved actually continued to hold valid standing to foreclose when the foreclosure occurred. From the recorded documents I have retrieved it appears that XXXX XXXX XXXX XXXX was the original investor as of XX/XX/XXXX ( Exhibit " A '' ). However, the Notice of Default & Election to Sell under Deed of Trust ( Exhibit " B '' ) states that XXXX XXXX XXXX XXXX was the Investor listed. Then onXX/XX/XXXX XXXX XXXX XXXX was apparently assigned the Deed of Trust by XXXX ( Exhibit " C '' ). Then a Notice of Trustee Sale, dated XX/XX/XXXX and recorded XX/XX/XXXX ( Exhibit " E '' ) was filed under the name of either XXXX XXXX XXXX XXXX, as the only reference to the investor listed was the details of the original Deed of Trust 's recording information, or the apparently newly assigned investor, XXXX XXXX XXXX. Finally, the Assignment of Deed of Trust, dated XX/XX/XXXX and recorded XX/XX/XXXX ( Exhibit " F '' ) shows XXXX XXXX XXXX XXXX as the new assignee of the Deed of Trust, Dated XX/XX/XXXX & recorded XX/XX/XXXX. In preparation for a foreclosure my property Rushmore recorded a Corrective Assignment of Deed of Trust and Substitution of Trustee.I believe that, you whoever you are may have used interstate communications to tried to defraud are extort money from me, making a claim were no claim exists, which may be a violation under RICO and also the FDCPA.
DEMAND FOR ALL 40 QUESTIONS TO BE ANSWERED Every question in whole or in part must be answered completely, in detail And every question in whole or part must be Notarized and Certified by the person ( s ), agent ( s ) answering these 40 questions in whole or part below.
1 ) Please state your complete name ( s ), occupation ( s ) and mailing address ( s ). 2 ) Identify the source of the funds in the account that is the subject matter of this 3 ) Produce all original records, reports, memoranda relating to the source of funds relating to this disputed account and list all other sources of information such as computer file names, the database and locations at which related information is located and accessible. All Records, Reports must be Notarized and Certified that they are originals 4 ) Who was and is the owner/holder/ Investor of each account fromXX/XX/XXXX? The current Rushmore account is XXXX, their name and address, list those individuals having signature rights to each account, their name ( s ), title ( s ) if any and address ( s ). 5 ) Identify the account that was debited when the disputed account was created, by name, or account number, location, address. 6 ) Did the funds for the disputed account originate from another account or lending institution? Name of account or lending institutions name and address 7 ) List the names and addresses of all lending institutions from which the alleged funds were purported. 8 ) Please identify the account number from which the funds originated in order to create the disputed account, location, address. 9 ) Admit that no other account was debited when the disputed account was created must be notarized and certified 10 ) If you denied that no other account was debited when the disputed account was opened or created, please identify the account that was debited by the account number and the name or names of the debited accounts signer, holder and/or owner, and explain in detail how the funds for this account were originated, must be notarized and certified. 11 ) If you denied that no other account was debited when this disputed account was opened or created, state the total balance of this debited at the time the debit was made and, list the names, occupations and addresses of the signers and holders on the account and the date that the account was opened along with the opening balance. 12 ) Please produce all original documents and information, related in any way to your implication or allegation that a loan was given to me, notarized and certified. 13 ) Which employee of the bank authorized the transaction? name and title 14 ) If any loan origination system, software or other procedures were used in the opening of the disputed account, please identify the system by name, its address and describe in detail how it operates.
15 ) According to the alleged loan agreement, was the purported lender or financial institution involved in the alleged loan to use their money as adequate consideration to the promissory note from the alleged borrower? YES or NO. 16 ) According to the alleged loan agreement, was the purported lender or financial institution involved in the alleged loan to accept anything of value from the alleged borrower that would be used to fund a check or similar instrument in approximately the amount of the alleged loan? YES or NO. 17 ) According to the accounting/ bookkeeping entries, did the purported lender or financial institution involved in the alleged loan to accept anything of value from the alleged borrower that would be used to fund a check or similar instrument in approximately the amount of the alleged loan? YES or NO. 18 ) Was the intent of the purported loan agreement that the party that funded the loan should be repaid the money lent? YES or NO. 19 ) Did the purported lender involved in the alleged loan follow Generally Accepted Accounting Principles, GAAP? YES or NO. 20 ) Were all material facts disclosed in the witted agreement? YES or NO. 21 ) What is the name and address of any bank auditor or certified public accountant involved with or having any relation to the accounting function regarding this disputed account? 22 ) Identify the name and address of the records or accounting records or ledgers reflecting the transaction for the disputed account. 23 ) Were any other loan numbers assigned to the disputed account? 24 ) If you answered yes to the above question, please list those account numbers with date of assignment, must be notarized and certified. 25 ) Explain in exact detail how each account was created or originated. 26 ) Explain in detail how the funds for each account were deposited and where they originated, must be notarized and certified. 27 ) Was an account created with the purported loan amount then debited account? 28 ) Please explain your answer in exact detail to the above question # 27. 29 ) Please produce all records and tangible evidence relating to the questions herein and send them along with your response, must be by certified mail. 30 ) Are you or any of your agents, agencies bonded for your actions? 31 ) If so please send NOTARIZED, CERTIFIED COPY OF YOUR, THEIR BOND 32 ) Have your or any of your agencies ever taken an Oath? Notarized, Certified 33 ) If so please attach NOTARIZED, CERTIFIED COPY OF YOUR, THEIR OATH 34 ) Do you or any of your agents, agencies have Qualifications for your, their position? 35 ) If so please attach NOTARIZED, CERTIFIED COPY OF ALL QUALIFICATIONS 36 ) Was this alleged debt ever written off, charged off, charged against, on taxes or other lending institutions, credit reporting agencies, etc?, IF YES, Then list the names and addresses of all involved or related to this alleged debt, each must be notarized and certified. 37a ) Please identify what type of money supply was used for the extension of credit, loan supplied by Rushmore Loan Management Services LLC c/o XXXX, XXXX XXXX XXXX, XXXX And /also what was the type of money supplied ( M1 ), ( M2 ) or ( M3 ) type money in this alleged account? Must be Notarized and Certified. 37 ) Please identify if the security on this alleged account is a type I, type II, type III, type IV, or type V securities. Must be Notarized and Certified. 38 ) Please identify if at any time the security on this alleged account was converted into any stock option, IF YES, NAME OF STOCK, Must be Notarized and Certified. 39 ) Please provide a currency trace as it applies to the alleged loan or extension of credit. Each and every part of the trace must be Notarized and Certified by the person ( s ) Verifying the accuracy of the trace.
40 ) Please provide any an
d all documentation filed with the FDIC, SEC, OCC, and the Federal Reserve and any other regulating agency on Rushmore Loan Management Services LLC c/o XXXX, XXXX XXXX XXXX, XXXX
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| 12/05/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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When will they provide me a loan modification? I have been working extremely hard and long to receive a loan modification and still can not get approved. I have received a loan modification packet from Rushmore Loan Management Services and have submitted all documentation by fax that they have requested. Im in review but my foreclosure sale date is still showing online as active on XX/XX/XXXX. Im scared and do not know what to expect from the company. Im working with them but do not know if they are willing to do the same and follow the California Homeowners Bill of Rights Act.
As part of this bailout, on XX/XX/XXXX, the United States Government took over XXXX XXXX and pumped billions, which in XX/XX/XXXX, then Treasury Secretary XXXX XXXX said as much as {$200.00} XXXX would be pumped into XXXX XXXX and XXXX XXXX, each, which was separate from the {$700.00} in TARP funds given out to other lenders.
1. The guidelines issued by the United States Treasury set forth a detailed process whereby a participating servicer, either action or not acting through its subsidiary, must : a. identify loans that are subject to modification under the HAMP program, both through its own review and in response to requests for modification from individual homeowners ; b. collect financial and other personal information from the homeowners to evaluate whether the homeowner is eligible for a loan modification under HAMP ; c. institute a modified loan with a reduced payment amount as per a mandated formula, that is effective for a three-month trial period for borrowers that are eligible for a modification ; and d. provide a permanently modified loan to those homeowners who comply with the requirements during the trial period. Whether the homeowner qualifies for a modification or not, participating servicers are also required to provide written notices to every mortgage borrower that has been evaluated for a loan modification, whether or not the borrower has been found eligible.
HAMP and its associated directives also set prohibitions against certain conduct including demanding upfront payments in order to be evaluated for a loan modification, instituting or continuing foreclosures while a borrower is being evaluated for a loan modification, assigning a single point of contact, maintaining an adequate level communication with borrowers, maintaining proper caseload to ensure HAMP objections are met, and restrictions on the way a servicer may report the borrower to credit reporting agencies.
All servicers have systematically failed to comply with the terms of the HAMP directives and has regularly and repeatedly violated several of its prohibitions. Now that HAMP is over and expired due to servicers prolonging these modifications they are now proceeding with other alternatives.
Under HAMP, the federal government incentivizes participating servicers to make adjustments to existing mortgage obligations in order to make the monthly payments more affordable. Servicers receive at least {$1000.00} for each HAMP modification. However, this incentive is countered by a number of financial factors that make it more profitable for a mortgage servicer avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by the servicer. However, this incentive is countered by a number of financial factors that make it more profitable for a mortgage servicer such as Rushmore Loan Management Services , LLC to avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by Service companies because Service companies do not carry a significant risk of loss in the event of foreclosure.
California Business and Professions Code 17200 et seq., also known as the California Unfair Competition Law ( UCL ), prohibits acts of unfair competition, including any unlawful, unfair, or deceptive business act or practice as well as unfair, deceptive, untrue or misleading advertising. Rushmore Loan Management Services , LLC and all other previous servicers and their Investors conduct was unlawful in that : They illegally began and prosecuted the non-judicial foreclosure based on the lien to the 1st Deed of Trust, despite i was not in breach of payments on said lien ; They engaged in the uniform practice of requesting unnecessary documentation, seeking repetitive submissions of the same documents, and never rendering a decision, and in doing so, such activity provides the basis for an unfair inquiry and could deceive the public because it places burdensome requirements on me that served no purpose but to provide a basis for either engaging in Dual Tracking by selling my home and by denying loss mitigation options, such as loan modifications ; They failed to properly consider loan modification applications before trying to sell my home.
1. On information and belief, Rushmore Loan Management Services , LLC does not own a significant majority of the loans on which it functions as servicer.
2. Economic Factors that discourage Rushmore Loan Management Services , LLC from meeting its obligations under HAMP by facilitating loan modifications include the following : a. Rushmore Loan Management Services , LLC may be required to repurchase loans from the investor in order to permanently modify the loan. This presents a substantial cost and loss of revenue that can be avoided by keeping the loan in a state of temporary modification or lingering default.
b. The monthly service fee that Rushmore Loan Management Services , LLC, as the servicer, collects as to each loan it services in a pool of loans, is calculated as a fixed percentage of the unpaid principal balance of the loans in the pool. Consequently, the modifying of a loan to reduce the principal balance results in a lower monthly fee to the servicer.
c. Fees that Rushmore Loan Management Services , LLC charges borrowers that are in default constitute a significant source of revenue to it. Aside from income Rushmore Loan Management Services , LLC directly receives, late fees and process management fees are often added to the principal loan amount thereby increasing the unpaid balance in a pool of loans and increasing the amount of the servicers monthly service fee.
d. Entering into a permanent modification will often delay a servicers ability to recover advances it is required to make to investors of the unpaid principal and interest payment of a non-performing loan. The servicers right to recover expenses from an investor in a loan modification, rather than a foreclosure, is often less clear and less generous.
e. Fixed overhead costs involved in successfully performing loan modifications involve up-front costs to the servicer for additional staffing, physical infrastructure, and expenses such as property valuation, credit reports and financing costs.
3. Rather than allocating adequate resources and working diligently to reduce the number of loans in danger of default by establishing permanent modifications, Rushmore Loan Management Services , LLC has serially strung out, delayed, and otherwise hindered the modification processes that it contractually undertook to facilitate when it accepted billions of dollars from the United States. Rushmore Loan Management Services , LLC delay and obstruction tactics have taken various forms with the common result that my loan serviced by Rushmore Loan Management Services , LLC, in which im eligible for permanent loan modifications, and have met the requirements for participation in HAMP, have not received permanent loan modifications to which iam entitled.
4. By failing to comply with the California Homeowner Bill of Rights ; specifically, by engaging in the unlawful practice of Dual Tracking, Rushmore Loan Management Services , LLC has left me in a state of despair and panic as I seek a loan modification from Rushmore Loan Management Services , LLC, only to have my home wrongfully, oppressively and illegally sold out from under my feet.
Here is some information from previous servicers and what has happened.
I received a loan modification package from XXXX XXXX with a proposal trial period payment for 3 months in the amount of {$3600.00} which is around {$1700.00} over the amount i used to pay before to XXXX XXXX XXXX. My payment was {$1900.00}. How can i afford to pay more then what i couldn't pay before in the first place?
I have spoken to a lot of my close friends who were in the same situation as me and around the same loan amount and property size, they have received a very good loan modification of around {$980.00} a month, another friend received a loan modification in the amount of {$660.00} a month. How can this be that they are receiving loan modifications to help them stay and pay for their home while i can not even get a close amount to my old payment of {$1900.00}?
Please help me as this is getting out of hand and Im worried for my family and losing my home to this banking scam. It seems to me that they are just transferring loans to get away from giving out a loan modification.
I have sent Rushmore Loan Management Services my full Request for Mortgage Assistance package and they have received it with no error. I called them asking if there is anything else needed and what the status was, Rushmore representative replied that they do not need anything else and that the loan modification is under review. But while in review I still show that the sale is scheduled and coming up on XX/XX/XXXX.
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| 10/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have received a loan modification packet from Rushmore Loan Management Services and have submitted all documentation they have requested to them fax. Im in review but my foreclosure sale date is still showing online as active on XX/XX/XXXX. Im scared and do not know what to expect from the company. Im working with them but do not know if they are willing to do the same and follow the California Homeowners Bill of Rights Act.
As part of this bailout, on XX/XX/XXXX, the United States Government took over XXXX XXXX and pumped billions, which in XX/XX/XXXX, then Treasury Secretary XXXX XXXX said as much as {$200.00} billion would be pumped into XXXX XXXX and XXXX XXXX, each, which was separate from the {$700.00} in TARP funds given out to other lenders.
1. The guidelines issued by the United States Treasury set forth a detailed process whereby a participating servicer, either action or not acting through its subsidiary, must : a. identify loans that are subject to modification under the HAMP program, both through its own review and in response to requests for modification from individual homeowners ; b. collect financial and other personal information from the homeowners to evaluate whether the homeowner is eligible for a loan modification under HAMP ; c. institute a modified loan with a reduced payment amount as per a mandated formula, that is effective for a three-month trial period for borrowers that are eligible for a modification ; and d. provide a permanently modified loan to those homeowners who comply with the requirements during the trial period. Whether the homeowner qualifies for a modification or not, participating servicers are also required to provide written notices to every mortgage borrower that has been evaluated for a loan modification, whether or not the borrower has been found eligible.
HAMP and its associated directives also set prohibitions against certain conduct including demanding upfront payments in order to be evaluated for a loan modification, instituting or continuing foreclosures while a borrower is being evaluated for a loan modification, assigning a single point of contact, maintaining an adequate level communication with borrowers, maintaining proper caseload to ensure HAMP objections are met, and restrictions on the way a servicer may report the borrower to credit reporting agencies.
All servicers have systematically failed to comply with the terms of the HAMP directives and has regularly and repeatedly violated several of its prohibitions. Now that HAMP is over and expired due to servicers prolonging these modifications they are now proceeding with other alternatives.
Under HAMP, the federal government incentivizes participating servicers to make adjustments to existing mortgage obligations in order to make the monthly payments more affordable. Servicers receive at least {$1000.00} for each HAMP modification. However, this incentive is countered by a number of financial factors that make it more profitable for a mortgage servicer avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by the servicer. However, this incentive is countered by a number of financial factors that make it more profitable for a mortgage servicer such as Rushmore Loan Management Services , LLC to avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by Service companies because Service companies do not carry a significant risk of loss in the event of foreclosure.
California Business and Professions Code 17200 et seq., also known as the California Unfair Competition Law ( UCL ), prohibits acts of unfair competition, including any unlawful, unfair, or deceptive business act or practice as well as unfair, deceptive, untrue or misleading advertising. Rushmore Loan Management Services , LLC and all other previous servicers and their Investors conduct was unlawful in that : They illegally began and prosecuted the non-judicial foreclosure based on the lien to the 1st Deed of Trust, despite i was not in breach of payments on said lien ; They engaged in the uniform practice of requesting unnecessary documentation, seeking repetitive submissions of the same documents, and never rendering a decision, and in doing so, such activity provides the basis for an unfair inquiry and could deceive the public because it places burdensome requirements on me that served no purpose but to provide a basis for either engaging in Dual Tracking by selling my home and by denying loss mitigation options, such as loan modifications ; They failed to properly consider loan modification applications before trying to sell my home.
1. On information and belief, Rushmore Loan Management Services , LLC does not own a significant majority of the loans on which it functions as servicer.
2. Economic Factors that discourage Rushmore Loan Management Services , LLC from meeting its obligations under HAMP by facilitating loan modifications include the following : a. Rushmore Loan Management Services , LLC may be required to repurchase loans from the investor in order to permanently modify the loan. This presents a substantial cost and loss of revenue that can be avoided by keeping the loan in a state of temporary modification or lingering default.
b. The monthly service fee that Rushmore Loan Management Services , LLC, as the servicer, collects as to each loan it services in a pool of loans, is calculated as a fixed percentage of the unpaid principal balance of the loans in the pool. Consequently, the modifying of a loan to reduce the principal balance results in a lower monthly fee to the servicer.
c. Fees that Rushmore Loan Management Services , LLC charges borrowers that are in default constitute a significant source of revenue to it. Aside from income Rushmore Loan Management Services , LLC directly receives, late fees and process management fees are often added to the principal loan amount thereby increasing the unpaid balance in a pool of loans and increasing the amount of the servicers monthly service fee.
d. Entering into a permanent modification will often delay a servicers ability to recover advances it is required to make to investors of the unpaid principal and interest payment of a non-performing loan. The servicers right to recover expenses from an investor in a loan modification, rather than a foreclosure, is often less clear and less generous.
e. Fixed overhead costs involved in successfully performing loan modifications involve up-front costs to the servicer for additional staffing, physical infrastructure, and expenses such as property valuation, credit reports and financing costs.
3. Rather than allocating adequate resources and working diligently to reduce the number of loans in danger of default by establishing permanent modifications, Rushmore Loan Management Services , LLC has serially strung out, delayed, and otherwise hindered the modification processes that it contractually undertook to facilitate when it accepted billions of dollars from the United States. Rushmore Loan Management Services , LLC delay and obstruction tactics have taken various forms with the common result that my loan serviced by Rushmore Loan Management Services , LLC, in which im eligible for permanent loan modifications, and have met the requirements for participation in HAMP, have not received permanent loan modifications to which iam entitled.
4. By failing to comply with the California Homeowner Bill of Rights ; specifically, by engaging in the unlawful practice of Dual Tracking, Rushmore Loan Management Services , LLC has left me in a state of despair and panic as I seek a loan modification from Rushmore Loan Management Services , LLC, only to have my home wrongfully, oppressively and illegally sold out from under my feet.
Here is some information from previous servicers and what has happened.
I received a loan modification package from XXXXXX/XX/XXXXwith a proposal trial period payment for 3 months in the amount of {$3600.00} which is around {$1700.00} over the amount i used to pay before to XX/XX/XXXX XXXX XXXX. My payment was {$1900.00}. How can i afford to pay more then what i couldn't pay before in the first place?
I have spoken to a lot of my close friends who were in the same situation as me and around the same loan amount and property size, they have received a very good loan modification of around {$980.00} a month, another friend received a loan modification in the amount of {$660.00} a month. How can this be that they are receiving loan modifications to help them stay and pay for their home while i can not even get a close amount to my old payment of {$1900.00}?
Please help me as this is getting out of hand and Im worried for my family and losing my home to this banking scam. It seems to me that they are just transferring loans to get away from giving out a loan modification.
I have sent Rushmore Loan Management Services my full Request for Mortgage Assistance package and they have received it with no error. I called them asking if there is anything else needed and what the status was, Rushmore representative replied that they do not need anything else and that the loan modification is under review. But while in review I still show that the sale is scheduled and coming up on XX/XX/XXXX.
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| 12/11/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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1. This letter serves as a formal complaint against Rushmore Loan Management Services. My complaint stems from the increase in my monthly mortgage payments. In or around XX/XX/XXXX I received an escrow statement from Rushmore Loan Management with a revised payment amount of {$390.00}. In or around the beginning of XX/XX/XXXX I received another revised escrow statement from Rushmore Loan Management with a revised payment amount of {$350.00}. ( SEE ATTACHED ESCROW STATEMENTS ) 2. I am XXXX XXXX owner of the property located at XXXX XXXX XXXX in XXXX, New York zip code being XXXX. The property is a 2 family dwelling located in a high crime area that requires extensive renovation. Renovations that I can not afford due to my financial circumstances and according to the value of the property it is not worth the current mortgage amount of approximately {$40000.00}.
3. XXXX/XXXX was the initial lender of mortgage on the property and the balance owing was approximately {$26000.00}. I had a deduction in my income and fell behind on approximately 4 payments with the lender. My monthly payments were approximately {$480.00} with no tax payments or insurance included in the mortgage payment. The interest rate was approximately 7.11 %..
4. In or around XX/XX/XXXX the loan was transferred to XXXX XXXX XXXX. The mortgage had increased significantly to approximately {$40000.00} with an interest rate of approximately 4.862 %. This amount was said to include arrear payments for arrear mortgage, City of XXXX, and XXXX County property debts. After a series of attempts the mortgage was modified to {$270.00} and later revised to {$280.00} Payments would include property taxes and insurance. ( SEE ATTACHED AGREEMENT ) 5. In or around early to mid XX/XX/XXXX I contacted XXXX XXXX XXXX and devised a written complaint regarding a foreclosure notice received by the City of XXXX. In late XX/XX/XXXX, XXXX responded with a written rebuttal addressing my concerns. In summation, XXXX XXXX XXXX advised all payments to the City of XXXX and XXXX County were paid in full. ( SEE ATTACHED LETTER FROM XXXX ) 6. Since XX/XX/XXXX, I had not received any delinquency notices from the City of XXXX and XXXX County. I had continued making timely payments of {$280.00} To XXXX XXXX XXXX.
7. On XX/XX/XXXX Rushmore Loan Management became my new servicer, but on XX/XX/XXXX I contacted Rushmore Loan Management Agent, XXXX and explained that all payments were current but being forwarded to XXXX XXXX XXXX. In the beginning of XX/XX/XXXX I began making payments to Rushmore Loan Management in the amount of {$280.00}.
8. On XX/XX/XXXX I contacted Rushmore Loan Management Services Tax Rep., XXXX at XXXX due to a foreclosure notice I had received from the City of XXXX. I was told that all tax payments were current on the property and she could not see why I received the notice. I faxed the notice to XXXX and was told the investigation would take 3 business days. ( SEE ATTACHED FORECLOSURE NOTICE ) 9. On XX/XX/XXXX I contacted Rushmore Loan Management Services Tax Rep., XXXX to conduct a follow-up of the investigation and was advised the investigation would conclude XX/XX/XXXX. However I advised that I would conduct a follow-up on XX/XX/XXXX, since I would be out of town.
10. On XX/XX/XXXX I contacted Rushmore Loan Management Services Tax Rep., XXXX who advised that Rushmore Loan Management Services was requesting a payoff from the City of XXXX. I requested a conclusive analysis as to the result of their investigation. I was advised that I could not receive the report but I could call back.
11. I made no more attempts to contact Rushmore Loan Management Services, nor did the servicer contact me. The City of XXXX property auction commenced on XX/XX/XXXX. A third party who has interest in the property was filing for bankruptcy and was able to list the property under their bankruptcy to remove it from the foreclosure list.
12. Moving forward, I continued to receive monthly billing statements in the amount of {$280.00} and continued to make timely payments to the lender/servicer. To this date, I am not delinquent on my mortgage payments to Rushmore Loan Management.
13. In closing, I am financially unable to pay the increased amount of {$350.00} by XX/XX/XXXX. There is apparent error in the calculations and/or payments forwarded to the City of XXXX. As stated in paragraph 4, my mortgage amount increased significantly since XXXX XXXX XXXX retained my account with a mortgage balance being approximately {$40000.00}. Approximately {$15000.00} has been allegedly used to pay off any arrear mortgage, City of XXXX, and XXXX County property debts. I have received escrow statements displaying the amount of taxes and insurance paid by the initial servicer ( XXXX XXXX XXXX ). ( SEE ATTACHED XXXX ESCROW STATEMENT ) 14. In reference to paragraph 10, Rushmore Loan Management Tax Rep. XXXX stated they were requesting a payoff from the City of XXXX. How could this be possible, when taxes were substantiated by XXXX XXXX XXXX? In addition, I have not received any notices of a property tax increase.
15. According to XXXX XXXX XXXX, they had initially paid any/all outstanding arrear debts on the property. In addition, I had been making timely monthly payments to XXXX XXXX XXXX and Rushmore Loan Management Services. I should not have received any foreclosure notices from the City of XXXX. There is an apparent error between XXXX XXXX XXXX and Rushmore Loan Management.
16. According to RESPA 12CFR1024.17 ( k ) escrow payments were evidently not disbursed in a timely manner and the servicer is liable to provide escrow disbursements in a timely manner. In order for me to receive a tax foreclosure notice, payments were not provided to the City of XXXX in a timely manner which would caused me to be responsible for the citys additional foreclosure fee of {$550.00}. This statement is also factual referring to paragraph 10, where Rushmore Loan Management was requesting a payoff from the City of XXXX. Why? When all debts that were associated with my account were current. Was Rushmore Loan Management up to date with all aspects of my account before the account was transferred to them? Please be advised of the latest comparison of Escrow Accounts between Rushmore Loan Management and XXXX.
17. According to RESPA Transfer of Servicing 12 CFR 1024.17 ( e ) If the new servicer changes either the monthly payment amount or the accounting method used by the old servicer, then it must provide the borrower with an initial escrow account statement within 60 days of the date of transfer. My loan was transferred to Rushmore Loan Management XX/XX/XXXX. In addition, in early XX/XX/XXXX I received a revised escrow statement decreasing the monthly mortgage payment {$48.00}. This clear evidence of miscalculations and errors.
18. According to RESPA Timely Payments 12 CFR 1024.17 ( k ) the servicer must pay escrow disbursements by the disbursement date. In calculating the disbursement date, the servicer must use a date on or before the deadline to avoid a penalty and may make annual lump sum payments to take advantage of a discount.
19. Property insurance payments have increased annually from XXXX with XXXX XXXX XXXX to {$200.00} with Rushmore Loan Management Services a {$92.00} increase. Insuring the same property for the same amount of approximately {$40000.00}. Why the increase??? Rushmore Loan Management Services surely did not maintain the same terms and accounting method as XXXX XXXX XXXX with the increase of the mortgage and insurance. Transfer of Servicing 12 CFR 1024.17 ( e ) If the new servicer changes either the monthly payment amount or the accounting method used by the old servicer, then it must provide the borrower with an initial escrow account statement within 60 days of the date of transfer. On XX/XX/XXXX Rushmore Loan Management became my servicer. ( SEE ATTACHED HAZARD INSURANCES ) 20. On XX/XX/XXXX I was told that the bank was requesting a payoff from the City of XXXX. Why? When the City of XXXX was claimed to have been paid in XXXX when XXXX took over the mortgage. In the attached letter XXXX claimed there were no outstanding dents on the property. In addition, On XX/XX/XXXX when I initially contacted Rushmores Tax Dept. I was told the account was substantiated. There has been a clear Error made on the banks behalf and it is their duty to investigate that error.
21. I can not afford the revised payment effective XX/XX/XXXX. I have struggled from XXXX to XXXX to make my mortgage payments affordable and finally achieved my goal. I do not want to lose my home, but aware of my current finances which would not allow me to pay an extra {$64.00}. The property is in need of a roof, gutters, foundation work, and many updates. Most importantly, the property situates in a high crime area which many developers may be apprehensive of buying. It would be economically feasible for the lender to work with me by retaining the same monthly payment.
22. This is clearly how the foreclosure crisis exists in our economic society banks are entitled to increase the borrowers mortgage without requesting supporting documents to ascertain if the borrower can afford the increased payment. Contrarily, a bank requests supporting documents to decrease the borrowers payments once that borrower has defaulted on their mortgage. This is a very twisted process that has been ongoing for many years and many borrowers fall victim to this same type process.
|
| 03/15/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
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I have received a loan modification packet from Rushmore Loan Management Services and have submitted all documentation they have requested to them fax. Im in review but my foreclosure sale date is still showing online as active on XX/XX/XXXX. Im scared and do not know what to expect from the company. Im working with them but do not know if they are willing to do the same and follow the California Homeowners Bill of Rights Act.
As part of this bailout, on XX/XX/XXXX, the United States Government took over XXXX XXXX and pumped billions, which in XX/XX/XXXX, then Treasury Secretary XXXX XXXX said as much as {$200.00} XXXX would be pumped into XXXX XXXX and XXXX XXXX, each, which was separate from the {$700.00} in TARP funds given out to other lenders.
1. The guidelines issued by the United States Treasury set forth a detailed process whereby a participating servicer, either action or not acting through its subsidiary, must : a. identify loans that are subject to modification under the HAMP program, both through its own review and in response to requests for modification from individual homeowners ; b. collect financial and other personal information from the homeowners to evaluate whether the homeowner is eligible for a loan modification under HAMP ; c. institute a modified loan with a reduced payment amount as per a mandated formula, that is effective for a three-month trial period for borrowers that are eligible for a modification ; and d. provide a permanently modified loan to those homeowners who comply with the requirements during the trial period. Whether the homeowner qualifies for a modification or not, participating servicers are also required to provide written notices to every mortgage borrower that has been evaluated for a loan modification, whether or not the borrower has been found eligible.
HAMP and its associated directives also set prohibitions against certain conduct including demanding upfront payments in order to be evaluated for a loan modification, instituting or continuing foreclosures while a borrower is being evaluated for a loan modification, assigning a single point of contact, maintaining an adequate level communication with borrowers, maintaining proper caseload to ensure HAMP objections are met, and restrictions on the way a servicer may report the borrower to credit reporting agencies.
All servicers have systematically failed to comply with the terms of the HAMP directives and has regularly and repeatedly violated several of its prohibitions. Now that HAMP is over and expired due to servicers prolonging these modifications they are now proceeding with other alternatives.
Under HAMP, the federal government incentivizes participating servicers to make adjustments to existing mortgage obligations in order to make the monthly payments more affordable. Servicers receive at least {$1000.00} for each HAMP modification. However, this incentive is countered by a number of financial factors that make it more profitable for a mortgage servicer avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by the servicer. However, this incentive is countered by a number of financial factors that make it more profitable for a mortgage servicer such as Rushmore Loan Management Services, LLC to avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by Service companies because Service companies do not carry a significant risk of loss in the event of foreclosure.
California Business and Professions Code 17200 et seq., also known as the California Unfair Competition Law ( UCL ), prohibits acts of unfair competition, including any unlawful, unfair, or deceptive business act or practice as well as unfair, deceptive, untrue or misleading advertising. Rushmore Loan Management Services, LLC and all other previous servicers and their Investors conduct was unlawful in that : They illegally began and prosecuted the non-judicial foreclosure based on the lien to the 1st Deed of Trust, despite i was not in breach of payments on said lien ; They engaged in the uniform practice of requesting unnecessary documentation, seeking repetitive submissions of the same documents, and never rendering a decision, and in doing so, such activity provides the basis for an unfair inquiry and could deceive the public because it places burdensome requirements on me that served no purpose but to provide a basis for either engaging in Dual Tracking by selling my home and by denying loss mitigation options, such as loan modifications ; They failed to properly consider loan modification applications before trying to sell my home.
1. On information and belief, Rushmore Loan Management Services, LLC does not own a significant majority of the loans on which it functions as servicer.
2. Economic Factors that discourage Rushmore Loan Management Services, LLC from meeting its obligations under HAMP by facilitating loan modifications include the following : a. Rushmore Loan Management Services, LLC may be required to repurchase loans from the investor in order to permanently modify the loan. This presents a substantial cost and loss of revenue that can be avoided by keeping the loan in a state of temporary modification or lingering default.
b. The monthly service fee that Rushmore Loan Management Services, LLC, as the servicer, collects as to each loan it services in a pool of loans, is calculated as a fixed percentage of the unpaid principal balance of the loans in the pool. Consequently, the modifying of a loan to reduce the principal balance results in a lower monthly fee to the servicer.
c. Fees that Rushmore Loan Management Services, LLC charges borrowers that are in default constitute a significant source of revenue to it. Aside from income Rushmore Loan Management Services, LLC directly receives, late fees and process management fees are often added to the principal loan amount thereby increasing the unpaid balance in a pool of loans and increasing the amount of the servicers monthly service fee.
d. Entering into a permanent modification will often delay a servicers ability to recover advances it is required to make to investors of the unpaid principal and interest payment of a non-performing loan. The servicers right to recover expenses from an investor in a loan modification, rather than a foreclosure, is often less clear and less generous.
e. Fixed overhead costs involved in successfully performing loan modifications involve up-front costs to the servicer for additional staffing, physical infrastructure, and expenses such as property valuation, credit reports and financing costs.
3. Rather than allocating adequate resources and working diligently to reduce the number of loans in danger of default by establishing permanent modifications, Rushmore Loan Management Services, LLC has serially strung out, delayed, and otherwise hindered the modification processes that it contractually undertook to facilitate when it accepted XXXX of dollars from the United States. Rushmore Loan Management Services, LLC delay and obstruction tactics have taken various forms with the common result that my loan serviced by Rushmore Loan Management Services , LLC, in which im eligible for permanent loan modifications, and have met the requirements for participation in HAMP, have not received permanent loan modifications to which iam entitled.
4. By failing to comply with the California Homeowner Bill of Rights ; specifically, by engaging in the unlawful practice of Dual Tracking, Rushmore Loan Management Services, LLC has left me in a state of despair and panic as I seek a loan modification from Rushmore Loan Management Services, LLC, only to have my home wrongfully, oppressively and illegally sold out from under my feet.
Here is some information from previous servicers and what has happened.
I received a loan modification package from XXXX XXXX with a proposal trial period payment for 3 months in the amount of {$3600.00} which is around {$1700.00} over the amount i used to pay before to XXXX XXXX XXXX. My payment was {$1900.00}. How can i afford to pay more then what i couldn't pay before in the first place?
I have spoken to a lot of my close friends who were in the same situation as me and around the same loan amount and property size, they have received a very good loan modification of around {$980.00} a month, another friend received a loan modification in the amount of {$660.00} a month. How can this be that they are receiving loan modifications to help them stay and pay for their home while i can not even get a close amount to my old payment of {$1900.00}?
Please help me as this is getting out of hand and Im worried for my family and losing my home to this banking scam. It seems to me that they are just transferring loans to get away from giving out a loan modification.
I have sent Rushmore Loan Management Services my full Request for mortgage Assistance package and they have received it with no error. But while in review I still show that the sale is scheduled and coming up.
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| 07/09/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I paid my mortgage on XX/XX/XXXX to Rushmore Loan Management Services. The total I paid was to catch the mortgage up and pay it through XXXX of XXXX. The total paid was {$910.00}, I got this total by calling Rushmore and requesting the total amount owed through XX/XX/XXXX. I spoke to multiple people to confirm this amount and was repeatedly assured that this was the full and only amount that I currently owed, and that the account had been satisfied through XXXX. About XX/XX/XXXX I received a call from Rushmore stating my mortgage payment was late and at risk for foreclosure. I then spoke to the lady who called and told her I had paid it through XX/XX/XXXX, and had been assured that the account was satisfied and completely caught up. She stated that she did in fact see the payment and that instead of them applying it to XXXX payment that they had taken the money and applied it to fees and that she would get it reversed and applied to my mortgage thereby making me current. I have spoken to Rushmore since then trying to get this matter resolved and have yet to get the money applied back to my account for XXXX payment ( as of XX/XX/XXXX ). On XX/XX/XXXX I spoke with a Rushmore representative who again verified that XXXX payment had in fact been sent in and had not been applied to XXXX. She assured me that she would personally handle it and would call me back no later than XX/XX/XXXX to let me know it had in fact been applied to XXXX payment. I have not heard back from Rushmore, but instead got another threatening letter from them and no return phone call. I have constantly contacted Rushmore through every media available, and have spoken to every department in the company trying to get this matter resolved since then, and have been met with no help. I have also attempted to use their online services, but they proved to be no help. I tried to obtain information about my account and payments online, but there was no information available to me through their online services. I requested a physical copy by calling the company, requesting on online services, and by written mail, of all of my charges and allocations of my payments to see where they have been being applied, and was completely ignored and have yet to receive that information, this has been a struggle since Rushmore took over my account from the previous mortgage holder. When I did ask for said information, the person I spoke to said that I had to pay everything owed first and that they couldnt/wouldnt give that information until the account was caught up. I have been continuing to keep in contact with Rushmore the best I can, but when I try to speak with someone, I get one of three responses ; 1 ) they hang up on me ( not a coincidence this has happened repeatedly ). 2 ) They tell me they cant do anything because the account is past due and refuse to even speak to me about anything else, and refuse to fix the past XXXX issue and tell me that any amount paid will either go to fixing XXXX amount or back to fees. Or 3 ) They say they will fix it and get back to me in a set amount of time. I dont hear back about the issue and instead just get more harassing calls and threatening letters. If they do call back, it usually starts the process over where they say they cant help until the mortgage is caught up ; this never happens because the money isnt being applied to my monthly mortgage like its supposed to.
I was switched from a Mortgage company to Rushmore for no apparent reason ( which is their prerogative ). However, I was current with the previous company for well over a year when I was switched to Rushmore. I was also not notified that Rushmore was a debt collector, which would not have made sense at the time because my account was current and had been for a while now. When Rushmore contacts me over the phone, the representative always starts with I need to inform you that this call is from a debt collector attempting to collect a debt, any information obtained from this call will be used for that purpose. Im not entirely understanding why I was switched to a debt collector when my mortgage was current, and have been falling more behind because of the issues with this company. Rushmore had also decided to switch my house insurance over to them, which I had been privately paying with the same company for years. They didnt give me a reason why, but my house insurance bill increased by {$600.00} a year, and Im not sure why. Some of the fees that have been being applied to my account are value/HOA/INSP Cost which is XXXX times a month which is constantly adding to my bill, as well as deducting these costs from any payments I send into them, which makes my account delinquent again, regardless of what I pay. So when I make a full monthly payment, they deduct these fees first, then the amount is no longer sufficient to satisfy the monthly amount due there for, according to the Rushmore representative, they absorb the rest of mortgage payment I sent into fees and make the account delinquent again. Then restarts the cycle of harassing calls, threatening letters, and refusal of information, along with empty promises of fixing the issue.
My current mortgage statement, which was mailedXX/XX/XXXX, states that I owe as follows : Payment due XX/XX/XXXX : applied XX/XX/XXXX Payment due XX/XX/XXXX : Fully paid XX/XX/XXXX Payment due XX/XX/XXXX : Fully paid on XX/XX/XXXX Payment due XX/XX/XXXX : Fully paid onXX/XX/XXXX Payment dueXX/XX/XXXX : unpaid balance of {$240.00}.
Payment due XX/XX/XXXX : Unpaid balance of {$330.00}.
Payment due XX/XX/XXXX : Unpaid balance of {$330.00} Which if the XX/XX/XXXX payment were correctly applied, this would leave me owing {$670.00}. On the delinquency Notice given on the mortgage statement, the amount listed above total to {$670.00}, and this is the only amount that it says is due. On the bottom of that same section, it says Total : {$1400.00} due. It does not provide where this amount is due from, and the amounts that this statement says I owe does not match that amount. According to the same section, it says that I am only XXXX days behind, and says the account is paid through XX/XX/XXXX. I do not understand why my XX/XX/XXXX amount is not applied-but it says my account is paid to XX/XX/XXXX, I dont understand how theyre saying Im in foreclosure if Im only XXXX days behind, and I dont understand where this huge amount is from where it blatantly states in the same section that I only owe less than half of that.
My payments listed on the mortgage statement sent by Rushmore on XX/XX/XXXX are as follows : XX/XX/XXXX : {$500.00} XX/XX/XXXX : {$400.00} XX/XX/XXXX : {$910.00} The amount they are threatening imminent foreclosure over is {$1400.00}. There is no information that provides where this amount is from, there is no information about what months this amount is due from, and there is no information that corresponds with this amount on any paperwork I have besides the imminent foreclosure letter. Again, they refuse to provide information about this amount and will not answer where this amount is due from. According to the statement from the end of XX/XX/XXXX, I only owe {$670.00}. I do not know where the other {$790.00} is from, and have no way of knowing because they refuse to tell me. There is such an inconsistency with what amount is actually due, because the foreclosure letters dont match what is due from the mortgage statement. My mortgage statements never show me current, no matter how much money I pay in. The inconsistency has been an on going issue. Even if I were to pay the {$670.00}, I do not have on good faith that the amount would go to my mortgage, but instead to fees leaving me more behind. I have owned this house since XX/XX/XXXX, and I am farther behind now, then I was when the house was first purchased.
Since XX/XX/XXXX, I have requested information about complaining about the company itself and investigating about the issues I have had, and was told the only available resource was their personal complaint department and that I had to go through them. They told me I couldnt complain through any other form, and there was nothing else I could do. I did try to file complaints through them and was again never able to actually get a solid answer from anyone other then we will fix it, which never happens.
I am a single mother trying to keep a roof over my kids head, and have been drowning just trying to keep up with this company that continues to threaten and harass me. I have been fighting this company during my fight with XXXX XXXX and have been trying to remain current. This seems impossible because no amount I pay is added to my account and doesnt resolve my past due amount. I am desperate and need help. The only resolution I can see is trying to hire a lawyer and fight this company but I cant because I cant keep up on my payments as it continues to not go to payments, instead goes to fees and continues to fall behind ; leaving me unable to ever get caught up. Every spare dime I have has been being sent to this company trying to keep my house of over 20 years, and it doesnt seem to be making a difference at all on my monthly statement.
I look forward to hearing back from you soon as the threats of foreclosure continue every day.
Thank you
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| 09/05/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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To whom it may concern : XXXX XXXX XXXX ( hereinafter referred to as the Debtor ) filed a petition for Chapter XXXX Bankruptcy on XX/XX/2018. XXXX XXXX ( herein after referred to as the Trustee ) was duly appointed as the Chapter XXXX Trustee. The Debtor requested the Trustee short sell the Debtors property located at XXXX XXXX XXXX XXXX, XXXX XXXX SC ( hereinafter referred to as the Property ) as it is in the best interest of the Debtor for the following reasons : 1. A short sale is generally less detrimental on a Debtors credit score than a foreclosure. Further, a lingering foreclosure could have a lasting negative impact on the Debtors ability to restore her credit. Usually, it takes several months for the bank to start foreclosure proceedings once the Debtor stops making payments. If a Debtor files for Bankruptcy sometime before the foreclosure sale, the foreclosure process is extended even longer as a result of the bank having to get relief from the Bankruptcy Stay. In that situation, the Debtor will be discharged from her debts and starts re-building her credit again, but then several months later, when foreclosure it complete, and her credit is damaged once again.
2. It saves the property from deterioration and becoming a blight to the neighborhood and lowering the values of the surrounding properties ; 3. Non-dischargeable post-petition HOA fees are paid ; and 4. A short sale pays the mortgage companies more than they would receive in a foreclosure sale, especially a second mortgage company which would generally not receive anything through a foreclosure sale. The mortgage company will also save fees and costs by avoiding the foreclosure sale, including the cost of the auction, having to hire a realtor, or find a buyer who is ready, willing and able to buy the property.
The Trustee is legally the owner of the property pursuant to the Bankruptcy Code. The Chapter 7 Trustee is authorized pursuant to 11 U.S.C. 363 ( f ) to sell property of the bankruptcy estate. According to 11 U.S.C. 541 ( a ) ( 1 ), property of the estate includes all legal or equitable interests of the debtor in property as of the commencement of the case. The Trustee currently has a short sale contract on the property. XXXX & XXXX, XXXX ( hereinafter referred to as the XXXX ) is negotiating the short sale with the bank. We believe that short-selling property within the framework of a Bankruptcy case is beneficial for all parties involved.
My understanding is that banks are required to help homeowners avoid foreclosure if possible and, if a bank is not giving reasonable allowances to avoid a foreclosure, a complaint to the Consumer Financial Protection Bureau may be necessary. I believe the following facts in this case warrant an investigation by the CFPB : 1. Weeks submitted the short sale contract to the lender on or about XX/XX/2018. 2. The lender declined the short sale on or about XX/XX/2018with no explanation. 3. Weeks contacted the bank on or about XX/XX/2018 and a representative named XXXX XXXX informed XXXX that the banks valuation was over $ XXXX and the short sale offer was too low. At this point, the bank had not contacted anyone from the Trustees team to schedule an inspection of the property, but the banks representative informed Weeks that the bank had a valuation of {$1.00} XXXX. After further questioning, Weeks was able to determine that the bank had only performed a drive-by/ external valuation.
4. On or about XX/XX/2018, XXXX submitted a value dispute. The value dispute from the Trustees team included realtor price opinion based on interior inspections, comparables ( including distressed and non-distressed properties ), repair estimates, showing feedback reports, offer summary for property ( we received multiple offers on the property all within 10 % of the list price ) and other supporting documents/ information that supported the contract price.
5. On or about XX/XX/2018, the value dispute was declined and a representative from the bank said that the {$1.00} mill valuation was confirmed with an interior inspection.
6. On or about XX/XX/2018, XXXX challenged the valuation because the bank had not contacted anyone from the Trustees team to schedule an interior inspection of the property. The bank again certified the valuation was based on an interior valuation.
7. On or about XX/XX/2018, XXXX requested a copy of the interior valuation.
8. Following Weeks request for a copy of the interior valuation, the bank contacted the Trustees team for the first tie for an internal BPO ( herein referred to as BPO agent 1 ). Again, this was the banks first request for an interior valuation although they had been indicating to the Trustees team that the valuations they were using were interior valuations.
9. Shortly after BPO agent 1 was ordered, without explanation or disclosure, the Trustees team received a request from the bank for a second BPO ( herein referred to as BPO agent 2 ).
10. Around this time, the Trustees agent spoke with BPO agent 1. BPO agent 1 said that he submitted the BPO report on or about XX/XX/18. He said, when he submitted the first BPO, the bank challenged his comps and the bank gave him other comps that they wanted him to use in the valuation. BPO agent 1 did make a few updates per the banks direction, but the value did not change more than a few thousand dollars with their suggested comps. He said they asked him to increase the value, but he told them he could not justify their requested adjustment.
11. The bank only provided to the Trustee the results of the second BPO from BPO agent 2, which was higher than the BPO from BPO Agent Number 1. As an aside, BPO Agent Number 1, XXXX XXXX, has had 20 Homes Sales in last 3 years. He is also the Broker-in-Charge ; as opposed to BPO Agent Number 2, XXXX XXXX has only had 3 Homes Sales in last 3 years.
12. On or about XX/XX/18, XXXX submitted a complaint to the bank and asked to speak to a manager. Weeks spoke to XXXX XXXX who mentioned that the investor may have plans to take the property back as an REO and have their own contractors perform the repairs needed. The investors thoughts on taking back the property and doing minor repairs will likely not work in the Town of XXXX. XXXX is the toughest municipality to deal with in the area and they are not going grant an occupancy for the property without repairs. The town has already flagged the property in their system for unrepaired storm damage from the last hurricane. As soon as a contractor shows up to do work, the Town of XXXX is going to request access for a full property inspection. They will likely require an engineering report and full permitting on the repairs.
13. During this time, the bank filed a Motion for Relief from the Bankruptcy stay. While most banks will willingly allow the Trustee more time to close on a property before they proceed with stay relief, this bank would not allow the Trustee more time and directed its attorney to proceed with stay relief so it could proceed with foreclosure.
14. On or about XX/XX/18, the buyer paid for an appraisal of the property. The appraiser valued the property as-is at {$560000.00} which was less than the contract purchase price. The property was {$910000.00} for after-repaired value.
15. Weeks submitted the appraisal to the lender who replied : Investor disagrees with the assessment and has denied the offer.
It appears the investor is pushing for a foreclosure in this case. The property is basically in tear down condition. Our team has provided sufficient information to support the contract value ; we received multiple offers on the property and presented the investor with the highest and best offer ; and we have a cash buyer who is ready, willing and able to close as soon as we are able. Not only do we believe the bank will get a higher sales price through a short sale due to the issues with the condition, but there are judgment ( s ), an unsatisfied lien and substantial taxes/ liens owed to the DOR and IRS , so it would be faster, less expensive and less complicated for the bank to allow the Trustee to sell. Despite all of this, the investor has still refused the short sale and wishes to proceed with foreclosure.
It appears the bank is not affording the consumer reasonable allowances to try to short sale the property and mitigate his losses. It also appears that the bank is trying to intentionally over-value this property in particular, which could lead to over-inflation of the surrounding market in general and lead to damaging, lasting effects on the market/ economy as a whole.
We appreciate your further investigation into this matter, and look forward to hearing from you as soon as possible. If you should have any further questions, please do not hesitate to contact me.
With kindest personal regards, I am Very truly, /s/ XXXX XXXX Chapter XXXX Trustee
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| 03/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XXXX XX/XX/XXXX I informed XXXX by telephone call with loss draft department that our home had sustained damage during the XXXX XXXX in California, A Presidentially declared disaster I was sent Loss Draft Procedure documents in XX/XX/XXXX, I called to get clarification of procedures multiple occasions each time, my calls went unanswered.
In XXXX of XXXX I began working on loss mitigation application while awaiting insurance funds.
Nine months passed before we received our first homeowners insurance payment. The insurance company illegally combined payments for loss of use, personal property cleaning, dry cleaning, separate structures, and landscaping onto a single check listed as Dwelling A Yet there was no structural damage. This was outlined along with breakdown of funds on check Again acting in bad faith and against California Fair Settlement procedure during Qualified Presidentially declared disaster my personal loss of use, ( hotels in excess of 50,000, cleaning of homes personal contents, pet boarding had been comingled jointly issued to XXXX and myself. Despite my best efforts the insurance company refused to reissue payment directly to me and in accordance with California state law. ( The California Department of Insurance has been a complete waste of time and received no help ) Reluctantly, I endorsed and overnighted the check to XXXX along with the insurance estimates detailing the comingling of proceeds with the promise from XXXX that personally related funds would be immediately disbursed.
Loss Draft procedure state : Funds will be disbursed within XXXX business days ( See attached ) XXXX failed to honor policy claiming funds would not be released because our mortgage wasnt current.
loss draft policy, If loan is current at time of disaster payments they will issue disbursement within 5 business days. But first it takes them a minimum of them of 72 hours to review documents. Another 48 hours to receive a phone call back after follow up calls to confirm receipt of endorsed check and Insurance ESTIMATE. Then they have another 5 working days to acknowledge documents and even more time to release funds. Not what it states in policy XXXX disregarded our personal property, loss of use, content cleaning etc. and released only 2 check jointly to contractors estimate. We had not even selected contractor as we had only estimates of work pertaining to landscaping and other structues, No Dwelling despite the way the check was issued. XXXX along with the insurance estimates detailing the comingling of proceeds with the promise from XXXX that personally related funds would be immediately disbursed.
Loss Draft procedure state : Funds will be disbursed within XXXX business days ( See attached ) XXXX attempted to stale disbursement claims we weren't current but to we certainly were at time of disaster Only insurance estimates had been submitted in report and there had as we had not decided on who we would be using, no contracts had been signed or work started yet but the check was jointly was made out to the contractor listed on estimate. Leaving no choice but to use contractor.
Simultaneously seeking payment forbearance due to disaster. Spouses unemployment and complete depletion of all retirement and savings accounts because of failure to receive insurance money directly for reimbursement of money out of pocket and additional costs related to work to repair home from fire all directly from me XXXX has kept the remaining balance in a restricted escrow account.
Our assigned loss draft specialist, XXXX assured us all personally related to expenses that should not have been issued under dwelling would be incurred would be dispersed and issued in my name ONLY as I had already spent the money and this was just partial insurance reimbursement.
Our Loss Draft specialist XXXX was never reachable by phone or email, the hours she kept were Midwest hours and she would be done with work by XXXX CST and we live west coast time. Our contractor was also delayed due to inability to speak with her .Julia informed our contractor she never checked her messages.
We then requested an immediate new point of contact to take over the claim. This is when we were assigned XXXX..
On XX/XX/XXXX, We wrote to XXXX informing loss draft all work had been completed. We sent all required documents. We again requested they immediately release the remaining {$53000.00} theyve illegally been holding in escrow for 6 moths XXXX was oblivious to the fact that XXXX had only issued a single disbursement of insurance proceeds XXXX acknowledged they were in receipt of all required documents on XX/XX/XXXX. Then proceeded to tell us they would first need to order home inspection to verify work was completed as outlined. And would release balance once they received confirmation that work was 100 % complete.
It then took another 8 days for a home inspector to get scheduled Again going against loss drafts policy to disburse funds within 5 days On XX/XX/XXXX XXXX inspector came to our home, inspected everything and completed his report. The report was sent back to XXXX same day but remember it can take 5 days to review paperwork. This practice needs to be regulated and there servicers need to be fined for causes undue delays.
On XX/XX/XXXX once again we called and emailed requesting final distribution since inspection was completed showed 100 percent complete. Out money has also now has accrued interest. Yet unsuccessful at reaching XXXX and no body but her would give us information pertaining to our claim.
On Friday, XX/XX/XXXX we called to inquire about the disbursement and was abruptly informed they no longer serviced out loan and that it had been transferred to Rushmore loan management on XX/XX/XXXX. This was the very first we had ever heard of it. The representative did confirm inspection showed 100 percent complete and funds were scheduled for disbursement that day but they no longer our servicer. transferred.
. Our loan servicer was transferred one day prior to the schedule release of our funds. Also, coinciding with our loss mitigation application that XXXX would accept because they said it was incomplete when I have HUD certifying it was complete. Giving the facts of the Qualified loss and Presidential disaster HUD doesnt require a complete application for review yet we were not afforded any help after such massive devastation even with a complete application that I have already sent in to the CFPB for verification. XXXX even refused to accept payment of mortgage on our behalf from the XXXX XXXX who had requested a completed W-9 so they could pay mortgage oun our behalf. One lie after another with that company.
We were told to call Rushmore as XXXX no longer had access to our files.
We then immediately called Rushmore who informed us that it would be roughly 15 days for them to receive all documents pertaining to our loss draft claim Adding more unnecessary delay and declining economic status.
Rushmore was sent documents on XX/XX/XXXX and had all requested documents from us on XX/XX/XXXX at which point they would release money.
We reiterated the immediate need of the funds held by XXXX who was FINALLY set to cut check but all of a sudden transferred servicers the day before. that should From XX/XX/XXXX to today, XX/XX/XXXX we are still waiting, needlessly suffering. We have made approximately 5 calls a day to Rushmores loss draft department requesting status. We sent in prepaid envelope, we did everything requested. We were also told they would follow what our previous servicer and I had agreed upon. We were told they had all documents and it was complete.
XXXX also has a policy of 5 days for disbursements of final claims once inspections have been completed.
Rushmore failure caused irreparable harm and caused my daughter to lose her XXXX spot university due funds not being released within promised time under their own statement. Rushmores has only had our loan since the XXXX and is using unfair and deceptive tactics. Misleading and false information.
It is XX/XX/XXXX and Rushmore is stating that the completed loss draft packet is sitting at corporate waiting for yet another approval.This is wholly unacceptable. Rushmore is acting with disregard for out prior agreement with our servicer, is acting irresponsible and Rushmores failure to act accordingly with California State Law and fair business practices has caused irreparable harm to my family. Causing extensive financial damages.
If not immediately resolved I am retaining an attorney and will file suit for numerous violations of the Californias Homeowners Bill of Rights as well as Fraudulent RESPA information and unfair business practices causing financial devastation against the three companies XXXX, Rushmore as well as out new loan owner XXXX XXXX.
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| 12/30/2021 |
Yes |
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- Struggling to pay mortgage
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Web |
Older American |
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I applied for and receive a COVID-19 Forbearance loan to extend my mortgage payment for the 3 months. After it was coming close to the end, I resubmitted a forbearance loan application to get an extension. I was told that I would hear from someone in 30 days. When I called XXXX on XXXX @ XXXX to get a status of my loan application I was told that they could not talk to me that I had to get an attorney because the file was with litigation and no one would talk to me and tell me why or anything they couldn't give me any status whatsoever on it I called back later hoping to get someone different and I was told the same thing finally I did speak to someone and he gave me a phone number to their law department that was handling is this file when I spoke to the lady in the law department I was told that she didn't know what the problem was because she was not holding that file I called back to tell them what I was told and they still told me they couldn't talk to me so I don't know what's going on with my property or anything for over 4 months. I called again on XX/XX/XXXX @ XXXX XXXX I haven't heard from anyone to. I will include my notes from this entire conversation.
This is a complete copy of notes taken by me while trying to communicate on both of my loans with Rushmore Rushmore XXXX spoke to her XX/XX/XXXX resubmitting forbearance on XXXX for 90 days submitting one for XXXX XXXX should hear from you all by Tuesday and should call back in Spoke to XXXX and she is stating that for XXXX because it was requested until after XXXX will application require a full application but no one mentioned The covid released to me from Rushmore It wasn't until I spoke with XXXX XXXX concerning another property and I was having problems paying in XXXX that they told me about the Covid relief And that's why I was able to ask about it at Rushmore and I was told that they should have Did that instead of giving me a modification but now I'm stuck with trying to get this modification but in the meanwhile there's paperwork I must send in to get an extension on the modification for the property on XXXX because since then XXXX XXXX have transferred that loan to rush more as well. I also need to send some updated papers to Rushmore concerning my home property loan and I will get up in the morning and make sure I take care of this with the help of XXXX I will get this paperwork out tomorrow.
Spoke to XXXX on XX/XX/XXXX at XXXXXXXX XXXX. She stated that the property at XXXX XXXX XXXX they need had everything they needed and that they were just waiting for a decision but she is saying that the property at XXXX XXXX XXXX that they need my XXXX income tax before they can proceed Spoke XXXX ID # XXXX on XX/XX/XXXX @ XXXX and she stated there are still documents needed that XXXX didn't mention on my last phone conversation in XX/XX/XXXX and that these documents were NEEDED since XX/XX/XXXX so she is sending me a copy of what is still.
Single point of contact XXXX XXXX Will exculpate it Covid team as well as my single point of contact to review this file and for me to call back within 48 hours which is Friday to see what is going on or to get an update follow up on Friday.
Spoke to XXXX on XX/XX/XXXX @ XXXX need XXXX and XXXX of checking account.
Spoke to XXXX on XX/XX/XXXX @ XXXX XXXX. Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Application bank income for month Bank statement award letter from social security Spoke XXXX on XX/XX/XXXX @ XXXX she said I need to send the latest two bank statement and I can just change the date on the documents application from the loan for the house and just email both sets the papers to the Lost litigations department Spoke to XXXX on XX/XX/XXXX @ XXXX to get an update on the status of my application for an extension on my forbearance loan and she told me that they have put one property in litigation and she couldn't talk about it and the other property was on XXXX modification rather than an extension for the forbearance extension and I asked her why I had not given any information about this until today when the information that I have been sending in for was the information that was requested from me for me to get an extension on my covid forbearance loan which was being done through the covid team and it meanwhile she says that apparently I was asking too many questions and she was rushing me off of the phone so she's going to reach out to XXXX XXXX XXXX which is supposed to be my account specialist she will send him an email because she doesn't have a number where I can reach out to him directly and ask him to give me a call and maybe he can explain to me better what was going on in the meanwhile I was still asking questions and apparently she no longer wanted to talk any about any of the information I was requesting she kept reading stuff about loan modifications and repayments and short sales and deed and luau and I explained to her that I didn't want any of those things I was trying to do my covid extension and I have been cooperating and sending in the information that was requested by me so now I'm waiting to hear from this account specialist. She kept putting me on hold and then coming back but she was being very vague with any questions that I asked and the call continued until XXXX and that's when she abruptly hung up Call on XX/XX/XXXX @ XXXX and it stated that the office was closed and they had just tried to call me about 30 minutes earlier and I was driving so I called as soon as I got home this have happened to me several times but they never tell me what the office hours are on the recording Called on XX/XX/XXXX @ XXXX and spoke to XXXX we first spoke about the XXXX property he gave me 3 fax # to reach out on the status of this account FAX # XXXX XXXX XXXX HUD XXXX XXXX XXXX XXXX XXXX AS OF TODAY DATE THEY'RE NOT GIVING OR MODIFICATION OR COVID FORBEARANCE EXTENSION FORBEARANCE COVID WILL CANCEL OUT Return call to XXXX and his supervisor XXXX when I got home out of the and never tell what the office hours are so you can know when they're called back Spoke to XXXX on XX/XX/XXXX @ XXXX along with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Call the attorney given to me by XXXX to get information about my account. Spoke to XXXX. This is the first time anyone have given me information about this account since XXXX prior to that XXXX not foreclosure Voicemail from XXXX on XX/XX/XXXX at XXXX a.m. stated that they have received the full package and they was going to put in for a modification Spoke to Legal Aide Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTORNEY LISTED IRA XXXX XXXX CASE # XXXX DOCKET # XXXX XXXX XXXXXXXX XXXX {$17000.00} + {$350.00} Docket # XXXX {$3500.00} XXXX XXXX Documents # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX BANKRUPTCY HELP DESK XXXX XXXX XXXX Called Rushmore on XX/XX/XXXX @ XXXX right after they called me when I was driving and I called them back as soon as I got home and they said the office was closed Call Rushmore again on XXXX the XXXX 5 minutes after they called me I returned their call and they saying the office is closed and they had just called me 5 minutes ago. Will try to call them again on Monday XXXX XXXX XXXX on XX/XX/XXXX @ XXXX and stated that they are proceeding with foreclosure. I asked him to hold for 1 minute and he hung up so I'm going to try to call back again I don't know if the call got disconnected or what.
Spoke to XXXX at XXXX XXXX. on XX/XX/XXXX he said that litigation would be contacting me again about the property at XXXX and XXXX apparently with some mistake made and it shouldn't have been on hold and they wasn't allowing me to do anything with it and he also said he going to send me a new package so that I can apply for a modification because the only reason why they turned it down was lack of income and he will show that I do say that I do have other income from income property once they allow me to talk about that other piece of property so he said I should get it within the next 10 to 15 days.
To date I haven't heard from anyone from Rushmore. As I stated earlier I received two applications yesterday one for each account but I really don't know what to do because like I stated I'm waiting for a phone call that I haven't gotten yet and I have submitted these application several times in the past and I still end up with the same results I'm just trying to save my home and my property that's helping me pay for my home. I'm a XXXX XXXX and due to the covid I have lost a lot of income and I did reach out for the covid forbearance which I was given the first time but after 3 months I was told to resubmit and that's when I start getting the runaround please help me
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| 05/31/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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In XXXX of XXXX, I lost my job. I got another position with the same company which I started in XX/XX/XXXX. While I was off, I still paid my mortgage even though it was a struggle. I eventually had to ask for assistance, so I think I got a forbearance. I don't remember when though. I do remember I my mortgage jumped from like {$480.00} to {$680.00} in like XXXX or XXXX of XXXX. I could not afford that and I didn't understand why. I got several responses, but I can't tell you which one was true, but one of the responses was that I had an ARM. That didn't make sense because my loan was an FHA and I always had a fixed payment. I would never agree to an ARM nor has anyone told me that my loan was switching. I applied for a modification... twice. Again, I received misinformation about the documents that were needed compared to what I sent in. One person stated I had everything then another said I didn't. One person stated that I didn't sign a document, but that document clearly did not state it needed to be signed. I was then advised that they are working on adding that, but it still needs to be signed. I signed and sent back in. The first modification timed out due to all the back and forth as well as misinformation. I paid my mortgage even though it was a struggle and I was falling behind on other stuff. They had me reapply and I had to send everything back in since the documents were past the 60 or 90 days. I called to make sure they received everything, then called a few other times for a status update since no one reached out to me during this process. I had no direct person to reach out to if I had any questions, so I was at the mercy of whoever answered the phone. When I found out my modification payment amount was, I clearly stated I could not afford that amount. The amount was {$610.00} which was about {$60.00} less than the increased amount and about {$150.00} more than what I was originally paying before the increase. I was told once I finished the modification payments, then my payment could decrease or stay the same. Still, I have not spoken to anyone in the workout department. I started my modification payment in XXXX I believe and my last payment was in XXXX which meant the modified amount would be due in XXXX. I called XXXX XXXX to check the status and they told me that I should be receiving documentation shortly and they may not require a payment in XXXX since they were still working on finalizing the modification, but to be prepared to make the payment even though I didn't know what it was. I received the paperwork on XX/XX/XXXX I believe that stated that my new payment amount would be {$400.00}, but for XXXX {$610.00} is due to cover the escrow shortage. I had no idea what the escrow shortage was, but they wanted me to have everything signed, notarized and sent back to them I believe by XX/XX/XXXX. I read the document in it's entirety to make sure it didn't have anything in there about an ARM or anything out of the ordinary. I again stated the payment was still too high, but nothing was done. Since I was struggling to keep up with payments on everything, but I had to make my sons tuition payment, I made my payment late in XXXX. I don't have to talk about the inflation we are dealing with and it's affecting everyone. I did call and she stated it was fine and it would be {$610.00}. At that time I tried to make a partial payment at least, but she said to wait until I had to full payment. The website does not allow you to make a partial payment and only a full payment. I call towards the end of XXXX to make the payment and the rep stated I only owed like {$190.00}. He stated what probably happened was that I had a surplus and it was put in some type of account as a credit. He stated that if I made the full payment it would go as a principal reduction only and not towards next months payment. A blessing in disguise I thought since I really needed to pay my gas, electricity, water and sewer bills and they have been extremely high for no reason. So I did just that, paid the {$190.00} on my mortgage then I took what was left and paid outstanding utility bills. A few days later I get a call stating I owe a balance. When I explained the last conversation of what happened, I was just told I was misinformed and I still owe. I asked to be transferred which I was and they found out that when I called they were making updates on my account which made it appear the {$190.00} was all that was owed. She was able to fix the arrearages since it was a timing issue. So for XXXX, I owed {$400.00} as a regular monthly payment and {$210.00} in the escrow shortage. I asked if I can just pay extra towards the shortage since I know I would still owe it, thinking it was only {$210.00} and I am not killing myself in one month trying to pay it since I knew I had a lot of extra stuff coming up that needed to be paid for my son. She said yes. In XXXX, my payment was the same {$610.00}. I was confused because I was told I could pay extra towards that. I would have called sooner, but I have literally been sick most of XXXX and I just finished my last antibiotic. So I try to make a payment online for the principal and interest and of course I can't. I call at XXXX and speak to someone who has to transfer me. I was on hold for quite some time that I had to request a call back since I was at work and couldn't hold the phone. I never received a call back. I called when I got off work about XXXX. I was on hold for awhile but got through to an agent. I was basically told my payment is {$610.00} and will increase to {$640.00} in XXXX. I told him I have not received anything on this increase and this modification really isn't helping me any. He understood how I could have interpret the modification documents how I did, but my payment is {$610.00} and that he would resend my escrow statement. He was trying to get someone from work out on the line which he eventually did. They stated what happened was that an escrow analysis was ran XX/XX/XXXX which is causing the increase in my payment and that the only option I have is to see if I can get assistance from XXXX in my county for exemption from my taxes. I am not elderly or XXXX so I don't qualify. He stated that nothing can be done since I signed the modification documents and agreed to the terms, but I don't understand if running an escrow analysis is required for a modification, why would they do it after they finalized the modification. I would think you would have that done before hand so there are no surprises. I said those terms were on false pretenses. If at anytime I could have objected to the payment to make it lower ( which I did several times ) I would have done that. No one I spoke to transferred me to a workout agent when I would call with the issue in the payment. I honestly did not know what was causing my payment to be so high, but I was just told that my payment was under {$500.00} before because my interest rate was 4 % and now it's 5.25 %. Had I had known that, I would have asked for a lower interest rate, but now he is saying it's too late to change. I feel like this is not my fault, but I am being penalized and stressed out over miscommunication and errors. I don't understand why no one refereed me to workout instead of trying to answer my questions when they were not qualified to do so. The only thing he said he could do was spread the escrow out and in XXXX I will pay {$630.00} instead of {$640.00}. I told him that is not helping me with anything. He asked if I had a reduction in income then I could possibly resubmit for a lower payment. I have not, and only received a small raise. Nothing to even make a difference in my paycheck. All I want is my payment to be no more than {$500.00}. When he asked me what I was comfortable paying, I gave him that amount, but nothing can be done since the docs have been signed. The fact that the rep told me to still make the payment even if I haven't sent in the documents is a sign that I should not have been dealing with collections but work out. This company needs to make sure that anyone is in a workout program, speaks to someone on the work out team only. The work out team are the ones knowledgeable about what can and can not be done. This whole issue could have been eliminated even if I had a contact for someone on the workout team. I understand there are staffing issues and it's everywhere, but these mistakes are causing pain and frustration. Even if the process takes a little longer than expected, it's better than rushing and making tons of costly errors.
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| 04/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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I consummated a mortgage that was purchased by XXXX XXXX prior to making my first payment. During the tenure of this loan being owned and serviced by XXXX, subsequent to my wife losing her job during the economic downturn of XXXX, we struggled mightily to make payments on this loan. XXXX refused to work with us with the only accommodation offered being a deferral of interest that was accruing on the loan ( while still continuing to assess late fees ). Subsequently, this loan was sold to XXXX XXXX XXXX which included an accrued interest balance of {$17000.00} in addition to the principal balance and unpaid late charges. This loan was subsequently sold to XXXX XXXX XXXX XXXX XXXX which also included the accrued interest balance and unpaid late charges. XXXX XXXX contracted with Rushmore Loan Management Services to service this loan on their behalf.
Through great sacrifice and diligence in an effort to save our home, in XX/XX/XXXX, we paid off the entire balance owed which included all this deferred accrued interest and an obscene amount of late charges. In a previous complaint submission to the CFPB, we attempted to gain your intercession on the abusive practices employed by the various lenders throughout the term of this loan. Lacking the receipt of any assistance, we moved on to successfully implementing a strategy to payoff this loan. However, the abusive treatment by these lenders is not the issue that is the root of this complaint.
The basis for this complaint involves the form XXXX 1098 Mortgage Interest Statement provided by Rushmore Loan Management Services that did not include the {$17000.00} of accrued interest that was part of the final payoff in Box 1 Mortgage interest received from payors/borrowers box. ( see attached document # 1 XXXX Rushmore 1098 Mortgage Interest Statement ) Rather, this accrued interest was included in the amount reported in Box 2 Outstanding mortgage principal which impedes our ability to include that amount as an itemized deduction for tax purposes that we are legally permitted to do with mortgage interest.
In order to be able to submit my taxes in a timely manner for XXXX, immediately upon receipt of the 1098 document, I submitted a written notice of error on XX/XX/XXXX via certified mail to the address required by Rushmore for error notices. ( attached document # 2 - Rushmore XXXX Mortgage Interest Statement Notification of Error ) In my communication, I clearly identified the error I was asserting and provided an excerpt form a communication from the prior servicer evidencing the amount in question as being deferred past due interest. Supporting my assertion, I noted the last mortgage statement provided by Rushmore ( dated XX/XX/XXXX ) prior to my payoff of this loan in XX/XX/XXXX, my outstanding principal balance was disclosed to be {$180000.00} with a deferred balance of {$17000.00} which is the accrued interest amount that is the basis of my dispute.
In reviewing the footnotes for the XX/XX/XXXX mortgage statement, you will see they describe the Outstanding Principal as The loan balance only, not the payoff amount, and does not include any Deferred Balance. Moreover, the Deferred Balance is described as The amount of your principal balance that is deferred as part of the terms of a loan modification. This amount is not accruing interest So while they distinguish between Loan balance ( which is the unpaid principal remaining from the original loan amount after the application of payments over time ) and Deferred balance ( which is the amount of unpaid accrued interest that has been clearly establish as having been deferred ), it is quite clear they incorrectly included the accrued interest amount in the outstanding mortgage principal on the 1098.
The following is a summary of the communications I have received subsequent to submission of this error notification : In a letter dated XX/XX/XXXX, Rushmore acknowledged receipt of our communication but characterized it as an inquiry ( or an information request ) as opposed to a notice of error. ( attached document # 3 Rushmore Acknowledgement ) While my communication did request information be provided to me, what was requested was related to the error in the 1098 Mortgage Interest Statement I was notifying them of.
In a letter dated XX/XX/XXXX, Rushmore advised that additional research was required and as permitted by RESPA 1024.35 ( e ) ( 3 ) ( ii ) notified us of their intent to extend the investigation time period by 15 business days to conduct further research. ( attached document # 4 Rushmore Notice of Extension ) In a letter dated XX/XX/XXXX, Rushmore communicated the following : Due to the complexity of the deferred balance matter, Rushmore requires additional time to research and determine if a corrected Form 1098 is required to include the deferred balance of {$17000.00} as interest paid in XXXX. ( attached document # 5 Rushmore Preliminary Response ) Subsequent to the receipt of XX/XX/XXXX letter, we have not received any further correspondence from Rushmore. As a consequence, this matter is unresolved and to-date, we continue to be unable to submit our XXXX tax return. While our prompt communication to Rushmore upon receipt of the initial 1098 was intended to put us in a position to file our taxes within the requisite deadline, it is fortunate that the tax filing deadline has been delayed until XX/XX/XXXX given the failure of Rushmore to resolve this matter. However, our inability to file our taxes has had the following adverse impacts : 1. After years of focusing our financial resources on trying to exit from a predatory lending arrangement, we looked forward to enjoying the benefits of a tax refund predicated on a huge mortgage interest payment we finally managed to pay. Our understanding of the tax code is that interest is deductible only in the year that it is paid. XXXX was that year for us and Rushmore is denying us the benefit of taking advantage of what would be a legal tax deduction. As noted previously, we provided documentation from XXXX XXXX XXXX supporting the amount in question as being deferred past due interest ( see discussion in Document # 1 Notice of Error ) and a quick call to a competent tax advisor would have given them the answer to their question they indicated was necessary to respond to us.
2. For the XXXX tax filing year, we ended up owing the federal government a significant amount of money. Given that, we did not file an electronic return and opted to make our payment in the form of a check. That has proven to work against us because lacking direct deposit information, and the fact we have not filed our XXXX tax return for the reasons noted in the preceding, we will only be able to receive our federal stimulus check via check. To-date we have not received the federal stimulus check due to us in the amount of {$2400.00}. Compounding our concerns on this, when we visit the IRS site to determine the status of the process of this payment, we receive the message of Payment status not available which leaves us concerned that we could be precluded from receipt of a payment that is rightfully due us.
Rushmore has had more than ample time to resolve this matter. Lacking a resolution to an error they acknowledged receipt of on XX/XX/XXXX, and having now exceeded the time period allowed for an extension to the investigation period, they are in violation of the resolution timeframes provided for in 1024.35 ( Error Resolution Procedures ) of Regulation X. One might theorize that perhaps they recognize the error on our 1098 document and are concerned that hundreds ( if not thousands ) of 1098 documents they issued for other loans could be incorrect thereby exposing them to significant financial liability.
In conclusion, in the current circumstances brought about by the Coronavirus pandemic, this is causing undue stress on my family. The funds represented in the tax refund and stimulus payment could be required to help us in the event an emergency or unforeseen circumstance brought about by the pandemic. We worked a decade to exit this bad situation and get our financial house back in order and now find ourselves being thwarted by the same parties who were the source of our agony over the last 10 years. Help restore my faith in the CFPB being an advocate of consumer protection by gaining a prompt resolution to this matter. We have done everything we could within the confines of available regulatory protections and now look to you use your powers to enforce the requirements of these regulations.
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| 07/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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We have had nothing, but issues since Rushmore Loan Management took over our loan. Apparently XXXX XXXX either sold our loan or had Rushmore begin servicing it. We are not 100 % clear on this. We believe it was transferred around the beginning of last year when we only owed a couple of XXXX dollars on our mortgage. We had made payments and then it seems more would be owed than what was actually supposed to be the balance. As of last fall we owed less than {$1000.00} on our mortgage. We have paid XXXX multiple times the SAME way we have always made our payments in order to payoff the loan, but since weve started trying to payoff the loan they will send payments back to us or will keep part of the money/payment and send the rest back to us. Weve called them multiple times over the past year just trying to pay the loan off, but they have been very unreasonable and fraudulent. We will ask them for a payoff and they will refuse to provide it over the phone and state that they will send it in the mail. Once it finally arrives in the mail the payoff amount is no longer good as the date has passed so we would call again and they would send another payoff, but once we received it the good until date had already passed. This has been a constant pattern. We asked multiple times over the past year to just let us pay over the phone and they refuse. We have sent money via our bank which is the same way we have always send payments and Rushmore sends the money back or only applies partial payment and send the rest back to us. We dont this multiple times. They are literally refusing to take our money and we only owe {$100.00}! A couple of months ago they told us they would only take certified funds for the last payment even though it was only {$100.00} and they had already sent money back to us so they had our funds at one point, but refused to apply them to our account and then sent our money back. They said to send a certified check or they prefer XXXX XXXX. XXXX XXXX funds are only supposed to be used for friends and family and it states this clearly on their website so we were not comfortable doing this. We have also seen information online where other customers have wired money through XXXX XXXX to Rushmore and Rushmore refuses to pick up the money and then start foreclosure proceedings. We went to our bank at the end of XXXX or beginning of XXXX and sent certified funds of {$200.00} via mail to Rushmore. This is more than the amount owed, but we want to make sure we sent more than enough. On XX/XX/22 we received a letter in the mail from XXXX XXXX firm stating we owed an outstanding balance of {$120.00} to noteholder : XXXX XXXX XXXX XXXX mortgage servicer : Rushmore Loan Management Services LLC. We had no idea that the {$200.00} certified funds had not been received or applied to our account. We went to our bank on XX/XX/22 and completed a wire transfer this time of {$200.00}. Our bank actually questioned sending this again because they had never heard of Rushmore Loan and were hesitant that they were an actual real company. However, the {$200.00} was sent via wire transfer on XX/XX/22. On XX/XX/22 we received a letter from Rushmore stating that they have started the foreclosure process and in order to prevent this we will now need to pay {$4300.00}. We immediately called Rushmore and they informed us they are attorney fees and we must pay those or they will move forward with foreclosure on XX/XX/22. However, the letter from the attorney says no attorney fees will be collected if the amount is paid within 5 days. We asked what we need to do to stop this process and they said to pay the {$4300.00} and we told them that isnt possible and this case needs to be reviewed. They said they will review, but that doesnt stop anything from moving forward. They asked us to send a letter stating why we disagree with this even though we have called multiple times and explained to the loss mitigation manager on XX/XX/22 the reasoning. We asked in the meantime if we need to complete the financial assistance application because we do not want to go into foreclosure and want this to be reviewed and fixed as we do believe they are a fraudulent company and are only taking advantage of people. They have refused to take the payoff of our mortgage on multiple occasions and are now trying to foreclose on our home. It is clear that this would be easy money for them as we clearly barely owed anything and honestly thought we had already paid off in the fall and then money kept getting tacked on somehow. We were told if we want to fill out the financial application then that will need to be completed by printing it out and then mailing it in. This is concerning since they supposedly dont always get the mail we send. We asked if we could email the letter they have requested and the financial application and receive a response that at least it has been received. We were informed they would not respond to email and would only communicate via mail, but will still continue with the foreclosure process. We dont know what to do, but all of this seems very fraudulent and planned. There are many other reviews online regarding Rushmore doing this same practice with other customers. This greatly concerns us for ourselves and for the elderly population that does not have access to the internet. We are desperately in need of help.
We also called the XXXX XXXX XXXX yesterday and they stated we only owed {$120.00} and then the lady XXXX XXXX we believe was her name ) looked our account up again and stated she saw the {$4300.00} and she didnt understand why. She also stated that she doesnt know why the {$120.00} balance is so low. We told her because that is all that is owed. When we tried to tell her about Rushmore sending money back to us she said we probably didnt send enough money to cover the payment and we informed her each time we sent more than the payment that was due and she kept talking over us. She told us she would review the case within XXXX business days. We told her that Rushmore said they would move forward on XX/XX/22 and that we want to make sure proceedings were halted while this is investigated and fixed. She said she could not promise that. She also said that there she be no attorney fees at this time. We told her that the paperwork from XXXX said no attorney fees if paid in full within 5 days, but that isnt fair because the paperwork is dated XX/XX/22 and we didnt receive it within 5 days. She said they just have to put that in there for legal reasons, but they there is not an attorney fee at this time. She was able to offer no help.
Some other concerns that are highly important regarding how Rushmore practices. We will call and they will refuse to give us information over the phone. We ask for payoff and they mail a payoff to us, but by the time we receive it the payoff is no longer good, they keep partial payments to avoid allowing us to pay off our loan, when we call and try to go to the automated system to check our account it sends us to collections or another department and most times it will say it is after hours and will need to call back the next day. We try to go online to pay, but can see nothing because it says we must contact collections. The company ( Rushmore ) literally makes it IMPOSSIBLE to pay off a loan/mortgage. We need help. Please let us know what we can do. We can not lose our family home over {$120.00}. We also want to make sure that this does not continue happening to others. The phone number for Rushmore is so tiny on the paperwork they we overlooked it multiple times. It is tiny and smudged. The info received from XXXX XXXX XXXX is encrypted or something and we cant read the statements they are supposedly sending us from Rushmore.
Another concern weve noticed is that sometimes Rushmore paperwork states to send to XXXX XXXX and other times XXXX XXXX. This company is conducting fraudulent business practices. They also just had a lawsuit where they had to pay out {$1.00} XXXX for charging illegal fees to customers.
We are happy to forward these current documents so you can see them.
Please advise and assist.
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| 08/08/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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CFPB DID NOT ALLOW ME TO REBUT MY CASE # XXXX ON XX/XX/XXXX. XXXX XXXX for the XXXX XXXX, Series XXXX claims that they " Know nothing " about my home loan with Rushmore Loan Management Services LLC.. That is really funny, because Attorneys REPRESENTING XXXX XXXX XXXX XXXX , not in it 's individual capacity but solely as " trustee '' for the XXXX XXXX, Series XXXX, by the name of XXXX XXXX XXXX , filed a FRAUDULENT OBJECTION TO CONFIRMATION OF CHAPTER CHAPTER XXXX PLAN on their behalf in my Federal Bankruptcy case on XX/XX/XXXX, and then went ahead and filed another FRAUDULENT document, a CREDITOR 'S PROOF OF CLAIM, for XXXX XXXX as Trustee for the XXXX XXXX, Series XXXX in the same bankruptcy case on XX/XX/XXXX.
Now XXXX XXXX XXXX. wants to DISTANCE themselves from this position as " Trustee '' for the XXXX Trust, Series XXXX.
XXXX XXXX XXXX, ALSO DISTANCE themselves about these documents filed in my XXXX XXXX Federal Bankruptcy case.
This is because XXXX XXXX XXXX, AND XXXX XXXX XXXX, ... ALONG with the Ring Leader of this FRAUD, Rushmore Loan Management Services LLC., are COMMITTING FINANCIAL CRIMES TO GAIN ENRICHMENT FOR THEMSELVES, BY FRAUDULENTLY STEALING MY HOME VIA AN ILLEGAL FORECLOSURE.
XXXX XXXX XXXX, Rushmore Loan Management Services LLC., and XXXX XXXX XXXX, are COMMITTING FRAUD, FORGERY, AND FRAUD UPON THE COURT, but ... .when cornered, they DENY EVERYTHING!! I have been dealing with this FRAUD for MORE than a year now, and dealt previously with another criminal ring headed up by XXXX XXXX XXXX and XXXX XXXX for MORE THAN 3 years.
This is going to STOP NOW!!! SO, here is what I am going to do : XXXX XXXX XXXX., not in it 's individual capacity, but solely as " TRUSTEE '' ( and supposed " OWNER '' and " HOLDER '' of my note ), for the XXXX XXXX, XXXX XXXX, ANSWER THIS LETTER THAT I SENT TO YOUR ATTORNEYS/DEBT COLLECTION AGENCY : since it pertains to you as well : ( Please check out my previous complaint which i was not giving the opportunity to rebut, for additional details of the situation ).
XX/XX/XXXX 2nd Modified Demand for Information on my Proof of Claim in Chapter XXXX Bankruptcy Court ( Case # XXXX ) United States Bankruptcy Court : XXXX District of California : XXXX XXXX Division RE : OBJECTION TO PROOF OF CONFIRMATION OF CHAPTER XXXX PLAN Dear XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX ( XXXX XXXX ) and XXXX XXXX XXXX ( XXXX XXXX ), and the XXXX XXXX XXXX, located at XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX, I am in receipt of your answered correspondence dated XX/XX/XXXX. We demand to know WHOM you work for, in relation to your representation as " attorneys for XXXX XXXX XXXX XXXX, not in it 's individual capacity but solely as trustee for the XXXX XXXX XXXX XXXX., in the XX/XX/XXXX OBJECTION TO CONFIRMATION OF CHAPTER XXXX PLAN, which was prepared and filed by XXXX XXXX XXXX @ XXXX XXXX XXXX, in my Federal Chapter XXXX bankruptcy case ( # XXXX ), In your XX/XX/XXXX answer, in writing, to us, ... you stated that you were " unable '' to produce any documentation, including, but not limited to, the Pooling and Servicing Agreement, for the XX/XX/XXXXXXXX. You stated that our address of XXXX XXXX XXXX XXXX, CA. XXXX, the address on our loan, and our loan number was " unfamiliar to you, and that we were NOT in your system '', therefore you were UNABLE to give us the information that we requested, and is our right to inspect.
If you filed an OBJECTION TO CONFIRMATION OF CHAPTER XXXX PLAN in my Chapter XXXX bankruptcy case on XXXX XXXX, XXXX, WHY then, would you have NO INFORMATION regarding this trust you state you are representing? ( XXXX XXXX, XXXX XXXX )?? You state in this document that you are attorneys REPRESENTING the XXXX XXXX XXXX XXXX not in it 's individual capacity, but solely as trustee for the XXXX XXXX, XXXX XXXX : IS THIS IN FACT WHOM YOU REPRESENT? If you do in fact legally " REPRESENT '' XXXX XXXX XXXX XXXX not in it 's individual capacity but solely as trustee for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have any records relating to my loan ( XXXX ) and /or Property located at XXXX XXXX XXXX XXXX , CA. XXXX.
Did XXXX XXXX XXXX execute or prepare, or any agent or representative of XXXX XXXX XXXX execute or prepare the XX/XX/XXXX OBJECTION TO CONFIRMATION OF CHAPTER XXXX PLAN in the XXXX XXXX Chapter XXXX case # XXXX for debtor XXXX XXXX? If XXXX XXXX XXXX did NOT execute/prepare/file this document from XXXX XXXX XXXX, who did?
Does XXXX XXXX XXXX, DENY that they have a client that they " REPRESENT '', either as an attorney or attorneys, or in any debt collection capacity by the name of XXXX XXXX XXXX XXXX not in it 's individual capacity but solely as trustee for the XXXX XXXX, XXXX XXXX OR Rushmore Loan Management Services LLC XXXX?
Is Rushmore Loan Management Services LLC., a client of XXXX XXXX XXXX XXXX and did they request an execution/filing of an OBJECTION TO CONFIRMATION OF CHAPTER XXXX PLAN in my XXXX XXXX Bankruptcy case in XXXX XXXX , CA. CASE # XXXX XXXX XXXX on XX/XX/XXXX?
Is XXXX XXXX XXXX. a " DEBT COLLECTOR '' for either Rushmore Loan Management Services LLC., XXXX XX/XX/XXXX XXXX , XXXX XXXX , XXXX XX/XX/XXXX XXXX XXXX not in it 's individual capacity but soley as trustee for the XXXX XXXX, XXXX XXXX? Is Rushmore Loan Management Services LLC., a client of XXXX XXXX XXXX. in relation to Loan # XXXX?
Under what AUTHORITY does XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX interest themselves, and inject themselves, as " agents/attorneys '' for XXXX XXXX XXXX XXXX, in my Federal Bankruptcy Case ( XXXX XXXX CASE # XXXX )? What business do they have filing documents in my Chapter XXXX Bankruptcy Case ( CASE # XXXX )? Under what authority, and for WHOM do they file FRAUDULENT DOCUMENTS in my FEDERAL Bankruptcy Case # XXXX United States Bankruptcy Court : Central District of California-XXXX XXXX Division.
Does XXXX XXXX XXXX, work in ANY CAPACITY, for investors of the XXXX Asset Backed Ceritificates Trust, XXXX XXXX? Is XXXX XXXX XXXX, or ANY of it 's agents or atttorneys filing FRAUDULENT DOCUMENTS in my California Chapter XXXX Case # XXXX for any INVESTOR, or Financial Firm? Are you " REPRESENTING, OR COLLECTING '' for the XXXX XXXX XXXX XXXX int in it 's individual capacity but solely as trustee for the XXXX XXXX, XXXX XXXX, AND/OR for investors or financial firms for the XXXX ASSET BACKED CERTIFICATES TRUST, XXXX XXXX.
Is XXXX XXXX XXXX, or any of it 's agents/attorneys/debt collectors working on behalf of XXXX XXXX , ( The XXXX XXXX XXXX XXXX XXXX )?
Why has XXXX XXXX XXXX XXXX, not in its individual Capacity but solely as trustee for the XXXX XXXX, XXXX XXXX filed FRAUDULENT Corporate Assignment of Deed of Trust on XX/XX/XXXX in the XXXX XXXX County Recorders Office, claiming that they are the owner and trustee of my loan secured by my property at XXXX XXXX XXXX, CA. XXXX?? Why did XXXX XXXX AND their attorney / debt collection firm, XXXX XXXX XXXX, file a FRAUDULENT PROOF OF CLAIM on XX/XX/XXXX ( which is a FEDERAL CRIME- FALSE CLAIMS ) in my Chapter XXXX Bankruptcy Case in XXXX XXXX XXXX CA.? Why is XXXX XXXX for the XXXX XXXX, XXXX XXXX FALSELY CLAIMING to be OWNER and HOLDER of my note, secured by my property at XXXX XXXX XXXX, CA. XXXX, if, as you claim, they have NOTHING to do with my home loan, or property? And WHY are your attorneys/debt collectors, XXXX XXXX XXXX filing the Proof of Claim, as YOUR representatives, in my bankruptcy case? WHO ARE YOU, AND WHAT ARE YOU CLAIMING YOU ARE OWED??
PLEASE RESPOND WITHIN FIVE BUSINESS DAYS OF THIS DEMAND FOR INFORMATION.
SINCERELY, XXXX XXXX
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| 05/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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XXXX, XXXX This is a brief history of my mortgage that originated with XXXX XXXX. I have gone through a mortgage broker and received a loan that the mortgage broker had misrepresented my income in order to receive a commission for obtaining that mortgage. I was saddled with a mortgage that I could not afford. I learned later that the Broker XXXX XXXX in XXXX went to XXXX for XXXX. I had to supplement my earnings with funds from my savings account to make my mortgage payment. I was paying an interest rate for a conventional loan that was equal to a hard money loan. Since Miss XXXX had a habit of Misqualifying people in order to push loan applications through. Subsequently, I was giving a 13.95 % interest rate and the payment exceeded {$8.00}, XXXX per month which did not include taxes or insurance. I could not sustain that payment with such a high-interest rate. This is Ussery. It wasn't long I got behind in my payments. This predatory lending XXXX cost thousands of homeowners to file for bankruptcy. Because the problem was so grave homeowners needed government intervention to keep owners for being foreclosed on. Under Obamas Government Program entitled Home Retention Services. The banks were rescued with a 1 % interest rate. The government-mandated that Banks pass on a lower interest rate to homeowners to modify their Loan in order to stay in their homes. But Some Banks out of greed chose not to assist their homeowners like XXXX, XXXX, and our current mortgage Servicer, Rushmore Management Services LLC. We submitted at least 6 loan modifications Application Packages to XXXX XXXX XXXX. They kept asking to submit New Loan modifications because they said the time had expired or they needed updated banking statements or we had to reapply. Rather than help the homeowners they sold the loan to XXXX who purchased the loan and reduced the interest rate to 10.87 % which is what it is at today. A double-digit interest rate after the banks were bailed out. At the same time other Banks were offering interest rates as low as 2.50 % to 3.25 %. The same rate applies today! I have a friend that got a loan modification from XXXX at a 2 % interest rate. And a reduction in principle. Some banks aren't greedy and willing to work with homeowners to help them save their homes, not Rushmore Management Services LLC.
Delinquent payments along with penalties and principal and interest were snowballing to the point that would not allow us to make a payment without catching up. Rushmore wanted the monthly payment plus all back payments owed which included penalties and interest on interest. We were not able to come up with a huge amount of money including all the fees and back payments. We requested an affordable rate and suggested they put delinquent funds to the rear of the loan. They were not willing to work with us. Stopping us from making payments altogether. This loan has been sold four times and none of the lenders were willing to modify to a fair interest rate nor take off the fees or reduce the principal. We were being charged interest on interest and late fees and penalties each month included taxes. When other Banks were working with Homeowners to stay in their homes including forgiving some or all principal, penalties and back interest. Rushmore Management Services goal was to displace homeowners by foreclosure. They were not willing to assist us. The bottom line is after misleading us they were stringing us along by having us fill out loan modification applications and offering us false hope. We've submitted at least four complete modification packages. It was the same case scenario of all the other banks. They also would say the packages were incomplete or two months later we need updated banking information or it's time to start over and reapply. Finally, Our attorney went over the complete loan application and made sure everything was all there and he submitted a full Loan Modification Package to the attorney representing Rushmore Management Services LLC. Shortly after we heard from our attorney that the modification was accepted and what the payment would be. We never got a statement. I asked our attorney if this includes taxes and insurance? He said I will look into it. He called us back to tell us we did not make our first payment. Now the deal is off. Never got a statement specifying when the payment would begin and whether it would be an impound account. How could we ever make a payment when we never knew when the payment was to be made. How come they did not mail a statement? How can we make a payment when we never got a contract with new terms. We verbally accepted the deal and was waiting for an agreement in the mail. We didn't know when the first payment was due. Their true desire to foreclose outweighs their willingness to work with us. Rushmore continued teasing us with promises to modify the loan but they seriously really never even looked at the applications. In XXXX I tried to apply with Making Home Affordable Morgage, when they called Rushmore for a release of information. Rushmore declined their request. Another loan modification dead in the water. Even during this pandemic our attorney said Rushmore told him that we need to step it up and get ready to get out. Rushmore told him they are working on getting the older cases foreclosed on. They just want you out! Rushmore should have helped us. That's all we ever wanted, was a chance at a decent fair low-interest-rate like the banks are offering today. The government is helping the Banks but they will not assist us. Rushmore has very bad reviews, understandably so. Rushmore Loan Management Services LLC never gave us a chance to make the payments. If we do not make the payments, for instance for 3 months in a row then we would get out. Their unfairness and unwillingness to help is astonishing. Why wouldn't they just sell us the house at what they would get at auction? Instead of throwing us out. They had no intention of giving us a fair loan. Showing no compassion even during a time of crisis. President Trump is helping the banks in turn they are supposed to help the people. It doesn't matter to them we can pay a fair payment with a low-interest rate.They could Forgive us of back interest. Late fees and penalties. They have no problem evicting a family that has raised all of their children in this home with a elderly XXXX year old relative and a son with XXXX out into the street during a pandemic. Rushmore Loan Management Serviceing LLC was not cooperating when all they had to do is to accept our loan modification, lowering the interest rate from the unbelievable 10.87 %. They could reduce it to the going rate which is now around 2.5 % to 3.5 % and forgive some of the late fees and principal. I believe what they are doing is illegal and will be brought to the attention of the courts. We desperately need your help to save our home. Although we have an attorney Rushmore is still not willing to budge on their position. We can make a monthly payment and we have tenants now. We have rented out the XXXX and a section of our house. Tenants can not be displaced according to President Trump. Please try your best to talk to Rushmore and mediate some kind of agreement. Also, the fact that they are not obliging with President Trumps request for banks to help Homeowners. Again, I believe the interest rate was illegal. Its usery and taking advantage. This was not a hard money loan, but the interest rate tells a different story. Please ask them to work with us. We need your help.Thank you so very much.
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| 11/20/2021 |
Yes |
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- Struggling to pay mortgage
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Web |
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Timeline of Events of Complaint.
XX/XX/2021 : XXXXs filed a XXXX XXXX XXXX due to XXXX change of employment and loss income. The lender XXXX XXXX XXXX XXXX ( XXXX ) put the Borrowers on the XXXX Forbearance Plan without their knowledge from approximately XX/XX/2021 to XX/XX/2021. At the time, the XXXX was, and still is on, XXXX XXXX XXXX with very limited income per month in the form of XXXX.
XX/XX/2021 to XX/XX/2021 : The Borrowers continued paying their normal mortgage payments of approximately {$450.00} a month.
XX/XX/2021 : The Co-Borrower filed for XXXX XXXX XXXX XXXX ( XXXX ) online with a pending XXXX claim that may take up to at least XXXX months to get approved for XXXX, and it maybe longer.
XX/XX/2021 : The XXXX resigned as a XXXX XXXX ( XXXX ), ending a XXXX year, XXXX month career in XXXX due to long-term, chronic disabling health conditions that forced her to either get fired or resign as a full-time XXXX XXXX, reducing a monthly combined net income of approximately {$4200.00} to {$2000.00}, starting in XX/XX/2021.
XX/XX/2021 : A XXXX XXXX XXXX XXXX was filed and emailed by the Borrowers with some supporting documentation to XXXX that explained the updated hardship, and to ask for additional loss mitigation options.
XX/XX/2021 : XXXX generated a denied letter in reference of the XXXX Forbearance Plan that stated it had ended and expired, but other options of loss mitigation can be an option like repayment plan, loan modification or deed in lieu of foreclosure.
XX/XX/2021 : The XX/XX/2021 denied letter arrived by the XXXX XXXX XXXX XXXX, making the Borrowers question why they were on the XXXX Forbearance Plan in the first place due to a XXXX pandemic hardship. They looked at the prior monthly mortgage statements, all the way back to XX/XX/2021, and noticed that XXXX placed the Borrowers on the forbearance plan up to XX/XX/2021 when the statements stated that the Borrowers were on that loss mitigation option due to XXXX. However, the Borrowers never knew they were on that option and continued to pay their normal $ 455 monthly mortgage payment. The XX/XX/2021 mortgage statement stated that they were current on a loss mitigation plan of repayment plan of the unknown XXXX Forbearance Plan, starting in XX/XX/2021, and ended in XX/XX/2021. In the denied letter package, it stated that if the Borrowers did not agree with the Rushmores loss mitigation decision, the Borrowers could file a formal complaint to the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX ( XXXX ). Therefore, the Borrowers did file a complaint on the same day, which included some supporting documents to the XXXX.
XX/XX/2021 : An email that was from the XXXX was sent to the Borrowers. The email stated that they received the official complaint against XXXX, which was filed on XX/XX/2021. The XXXX stated they had forward the complaint details with the supporting documentation to the lender XXXX. XXXX received the complaint on the same day, and they generated a XX/XX/2021 letter addressed to the Borrowers. The letter stated that XXXX received the Borrowers complaint from the XXXX that was dated on XX/XX/2021, but now the mortgage was owned by a different lender known as XXXX XXXX XXXX XXXX ( XXXX ), and the Borrowers needed to contact that lender.
XX/XX/2021 : A XXXX letter document that was from XXXX came to the Borrowers home that had the XX/XX/2021 dated letter about how they ( XXXX ) sold the loan to a different lender.
XX/XX/2021 : The Borrowers filed a XXXX XXXX XXXX ( XXXX ) complaint application, based on the Borrowers interpretation of the Fair Housing Acts description of discrimination and retaliation that XXXX allegedly committed against the Borrowers. The Borrowers complaint details are based on allegations of discrimination and retaliation against a XXXX XXXX, and the misclassification, misleading and falsifying and questioning why XXXX placed the Borrowers on the XXXX Foreclosure Plan. It is alleged that when the Borrowers filed a formal complaint against XXXX to the XXXX on XX/XX/2021, it triggered the events of the alleged discrimination and retaliation tactics by not working with the XXXX Borrowers on continued loss mitigation options. XXXX ended up selling the mortgage to XXXX XXXX Mortgage XXXX ( XXXX ) on, or after, XX/XX/2021, which is based on when XXXX received the official complaint from the XXXX against them on XX/XX/2021. XXXX turned around and generated their XX/XX/2021 letter that stated that the Borrowers mortgage is now owned by XXXX, and the Borrowers need to contact that lender. This letter from XXXX was received by the Borrowers through XXXX on XX/XX/2021. From XX/XX/2021 to XX/XX/2021, XXXX allegedly still owned and had the Borrowers mortgage. However, when the Borrowers were trying to work with XXXX to extend any loss mitigation options, and filed a complaint against them to the XXXX, XXXX allegedly discriminated and retaliated against the Borrowers by selling the mortgage and not willing to work with the XXXX in additional loss mitigation options. These above allegations against XXXX by the Borrowers are allegedly based on the Borrower interpretation of the Fair Housing Act of discrimination and retaliation against a XXXX XXXX in the ability to help assist in additional loss mitigation options, if needed.
XXXX 2021 : Due to this hardship and allegations against XXXX practices and tactics, the Borrowers place their home for sale by owner in XXXX 2021 to prevent foreclosure so they can save the equity in the home and move up to XXXX XXXX. With the equity, they will plan to buy a single-wide mobile home and place it on land of the Co-Borrowers parents plot of land that has a XXXX mobile XXXX setup. If the Borrowers foreclosure, they will loss the equity due to XXXX alleged actions and tactics, and it would take XXXX years to get another loan due to a foreclosure on record. The Borrowers net income is approximately {$2000.00} per month, starting in XX/XX/2021, making this hardship extreme in nature. The Borrowers gave fair warning to XXXX to help and assist in addition loss mitigation options, but they have allegedly discriminated and retaliated against the Borrowers, after the Borrowers filed a complaint to the XXXX XXXX XXXX XXXX XXXX XXXX Banks. These tactics are allegedly a violation of the XXXX XXXX XXXX of not assisting a XXXX Borrower, based on the Borrowers interpretation. Due to the alleged actions and tactics of XXXX, the Borrowers also filed a XXXX XXXX XXXX ( XXXX ) complaint application against XXXX, and the claim is under review, as of XX/XX/2021.
XX/XX/2021 : The Borrower receives a voicemail from a phone number at XXXX, which was coming from XXXX, XXXX. The voicemail transcript reads, in part, XXXX, XXXX XXXX calling from XXXX XXXX on behalf of XXXX, your service provider. I see youre listed for sale XXXX XXXX continued to ask if the Borrowers were pre-qualified and pre-approved on buying another property. This single voicemail questioned the Borrowers deeper. Did XXXX really sell the Borrowers Mortgage to a different lender called XXXX XXXX XXXX XXXX, based on the XX/XX/2021 letter from XXXX that was addressed to the Borrowers? It is with speculation that XXXX may be forcing a foreclosure and auctioned off the home at some point by getting a profit due to the approximately {$52000.00} balance on the loan, but there is an equity in the home of $ XXXX {$130000.00}. The value of the home, based on XXXX is somewhere between {$150000.00} to {$190000.00}, as of XX/XX/2021.
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| 07/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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I applied for a 2nd mortgage with XXXX XXXX in XXXX. To remodel this house, when I rescheduled my work so I could devote my full time efforts towards the remodel ( this is what I do for a living ) .. They had an appraisal on the home procing it's worth at $ XXXX.Which was exactly what was needed to obtain the loan.. After putting off several jobs to do the work and on signing day it was no longer a 2nd mortgage.. I was told they were illegal here in the state of TN.. ( lie ) ..and they had to assume the whole loan..and the interest was at 12 % not 8 % as discussed ... So I was told that after the renovation the house would appraise for much more, then I could refinance it at a lower rate.. again a lie.. the house was the money pit had to repair structure, wiring plumbing insulate windows and doors drywall paint. so the {$30000.00} was not enough I went back with my receipts and they told me I was maxed out and could have no more money.. So I hired a private accessor and he told me that he was having a hard time getting {$80000.00}. The house was not a 5 bed room 2 bath as they said it was a 3bed 1 and half bath as one bath was in the process of renovation.. .When I told him it was appraised at {$170000.00} less than 2 months ago, he told me that XXXX XXXX has their own accessors and they know in advance what the house has to be worth to get the loan and that is what they do to get you to sign, that is over price your house to make it look good. faced with this new an impartial value for the property, they dropped the interest rate to 10 % this was the first modification.. did not like they were supposed to do, drop it down to actual market value.. Things did not work out for me and my new wife.. She left with her 2 children. and since I owned another home I signed the property over to XXXX XXXX ... We tried to work things out and attempted a reconciliation .In AL.. No good we were done.. When the girls got out of school for the summer of XXXX They wanted to move back here ... I contacted them to see if the place was still available ... It was and we entered into negoations for the home to be sold to me at fair market value ... After paying {$1000.00} a month for 3 months and paying the back taxes I finally got the new amount for the house.. after I moved in and started working on the house again For approx. {$150000.00} not fair market value but an interest rate of6 % and an increase of the old over priced loan.. I refused this amount and the next day there was forclosure sales letters in the mailbox.. So either take the deal or we take the house.. second modification both times I was told I did not Qualify for a Hamp or harp ... I had direct deposit of ssi for one of my granddaughters who had lost both of her parents in a house fire, single parent, and direct payment to XXXX XXXX didn't miss a payment for 5 years..And again the principal increased.. When I confronted them with this Information. they took all payments and applied them to interest only. I told them the agreement was not set up that way they sold my loan to XXXX XXXX servicing They talked me through E signing ( XXXX XXXX ) And the Initial Agreement I was e signing was for a reduced amount of the principal to which there was 2 additional figures to be deducted on the final agreement.. Also there was a new escrow with an asterix.. again I was told this was optional and estimated ... Because I had my own home owners Ins and payed my own taxes.. The interest rate went down to 3.15 % and the mortgage only was XXXX I had it figured the new amount minus the other 2 amounts would have reduced the principal to less than {$90000.00} which is where it should have been from the {$150.00}, ,plus inflated figure. .Well they did not accept my mortgage only payment as they deemed it a partial payment. then XXXX me the agreement with nothing they promised at all. Then again Forclosure papers the next day.. Again did not qualify for Hamp or Harp ... This is XXXX well it comes around to renew my insurance and I called them and gave them my insurance name and the cost..they increased the escrow amount and when I questioned this and asked for a pay out for the account the supplied me with taxes and insurance and the total was already covered by the escrow ant this was only 8 months into the new loan in other words divisable by less than 8 not 12.. then they did not pay the taxes either ... when I took the letter from the tax department stating they were delinquent.. they sold the loan to Rushmore Loan servicing.. Every month I sent them faxes to prove I was owed escrow money and the taxes were not payed.. And I was even paying the new taxes and Ins myself so they had no payout at all.. They came up with new figures that they claimed XXXX payed out, ones not in the XX/XX/XXXX supplied by XXXX, Using terms such as Duel coverage ( Illegal ) and disreguarding the unpayed back taxes.. My monthly faxes demanding a new contract as this one was invalid went unanswered.. In fact they claimed that I owed money for taxes and insurance from before the XXXX document was signed. And clearly the document stated the new amount included all fees to include insurance and taxes.. As prior to the signing I was paying for them myself.. Well after a year they increased the escrow amount by over {$120.00} a month to recoup losses. And I payed all the taxes and Insurances from the time they assumed the Invalid loan. So I told them to waive the escrow amount until that could be fixed. They would not and by my calculations. only one city tax for {$320.00}, and one insurance for {$920.00} was ever taken out of my account. Leaving over XXXX so now again the threat of forclosure. unless I pay them {$10000.00} and up the monthly payment to over {$1200.00}. And again an increase in the principal to {$130000.00} all this for less than {$30000.00} and assuming on paper my original loan.. so after 11 years only less than {$2000.00} payed off on a 30 year note and approx. {$180000.00} made in payments.. Then the forclosure papers state XXXX XXXX is still the owner of the loan and they are selling it through another servicing company.. This is Slamming and against the law and wrongful sales, fraud and embezzlement. breach of trust and contract ... Rushmore loan Management services Just covered up and threatened me with Seizure of the property, Told me that the escrow money was theirs to do what they wanted to with it .. I payed in good faith the whole amount mortgage and escrow while paying myself out of pocket for my own taxes and insurance, hoping they would do the right thing but no {$10000.00} dollars most is my escrow money for taxes I payed and Insurance too plus Fees brought about by their refusal to accept the actual mortgage payment .. the overage in the escrow account is almost enough to cover the payments missed.. But this is made out to make me look bad and force me into bankruptcy and put them in the money And again to increase profit.. And they don't even own the mortgage XXXX XXXX still does. Hense the slamming and hiding behind false sales of my loan.. They still Profit from this indirectly with the bailout money. they received and the tax breaks they get for putting me and other families on the street and call the loan a loss.. The Gov should have let them fold and taught them a lesson..
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| 06/06/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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I am writing this letter of complaint regarding Rushmore Loan Management Services. We purchased our home in XX/XX/XXXX, and later refinanced through XXXX XXXX in approximately XX/XX/XXXX, in XX/XX/XXXX we added a room on to our home due to an increase in our family. We financed a second mortgage through XXXX XXXX. We had no problems at all with our loans and no disagreements regarding the on time payments to these companies.
In XX/XX/XXXX both mortgages were bought by Rushmore Loan Management Services ( RLMS ) we have encountered nothing but problems since RLMS purchased our loans in XX/XX/XXXX. We have had an ongoing battle with RLMS since XX/XX/XXXX over the payments of the first mortgage, if they were paid or not paid.
The first time we were made aware of the Missed payment the excuse RLMS gave us was when the 1st Mortgage came over from XXXX XXXX the XX/XX/XXXX payment did not come over with the mortgage package. However we proved the payment did in fact follow the loan to RLMS. Then representatives at Rushmore kept changing the month that the payment was missing. Each time we determined the payment for the specified month, had in fact been paid, the month of the missing payment changed. This is still happening to this day. In researching this matter we found that RLMS had pulled double payments in certain months and no payment in the following month.
After proving the payments have all been made, we were again required to send in the proof of payments several more times.
In XX/XX/XXXX, I spoke with a representative in the customer service department who after going over all the history of payments said that we were current on the payments and not to worry, because according to what she was seeing there were no missed payments.
This brings us to the present issues we are having with RLMS which are as follows : On XX/XX/XXXX, we received a letter dated XX/XX/XXXX, notifying us our payment had increased from XXXX to XXXX, Retroactive back to XX/XX/XXXX. When I called RLMS the representative explained that was for advanced escrow fees, they had paid our property taxes, we had already paid. We did not receive this notice until XX/XX/XXXX, however, when I called RLMS the representative was adamant that we were notified prior to the letter dated XX/XX/XXXX. The representative started to argue with me over the payment and told me that it was too bad, we could not accommodate the increased amount, we would pay the increased amount or else. I hung up the phone and called back later. The representative I spoke with at this time told me that I could request the payment be spread out over a period of time, and our payment amount would not increase by such a large amount. I faxed a letter to DCA ( the department the representative told me to fax it to, but she did not say what DCA stood for ) the same day, XX/XX/XXXX. We have not received written notification that our payment has been adjusted to reflect a spread of 36 months for the advancement of the escrow, and to continue the escrow for property tax purposes, which in the future RLMS will be paying from the escrow account, something we asked them to do in XX/XX/XXXX, when this first started. RLMS stated they could not change things to have us increase the payment to start an escrow account.
In late XX/XX/XXXX we found out that the reason we were getting notices that we were months behind was because of the adjustment to the payment retro to XX/XX/XXXX. I was told by the representative I have been dealing with about the adjustment and that to bring things into line I needed to pay XXXX dollars to make up the difference for the XX/XX/XXXX and XX/XX/XXXX payments. I have been trying to do that however RLMS has not taken that amount out of our checking account. Rushmores Confirmation Number for this payment is XXXX, made on XX/XX/XXXX. Later we found out RLMS was trying to take this out of a closed account even though I had given the correct bank routing number and account number. Finally, on XX/XX/XXXX, after two more tries RLMS finally got the bank account correct and took the XXXX.
A representative, XXXX, from the California Office was kind enough and patient enough to go over the account payment history with me since Rushmore had taken over the loan. I went through all my bank statements from the time RLMS took over the loan and I have found that Rushmore had not taken the payment for some months, but took double payments for some months. During the months of XX/XX/XXXX through XX/XX/XXXX Rushmore was automatically withdrawing the payments from our checking account. In XX/XX/XXXX, I discontinued that option, and send the payment through my credit union bill pay directly to Rushmore, since XX/XX/XXXX not one payment is missing.
We were also turned over to a credit bureau for being 30 days late, due to the increase in the payment amount, the amount of payment being sent was actually short, since the payment had been adjusted to XXXX from the XXXX, there again we had no idea the amount of the payment had changed and was retro-active back to XX/XX/XXXX. We would like this to be corrected with the credit bureau since this was of no fault of ours. RLMS is also trying to foreclose on our loan. When I sent a letter of complaint to RLMS DCA Dept. asking these issues be corrected we received a letter stating the report to the credit bureau was not an error and therefore they would not correct the notice to the credit bureau. The complaint also contained the rest of the issues as stated in this letter, but those issues were not, nor have they been addressed, in fact the issues are being totally ignored by RLMS.
RLMS representatives are now saying that we missed the payment to XXXX XXXX in the month of XX/XX/XXXX, before RLMS even bought the loan. We have a payment history from XXXX which shows that every payment had been made on time. However, RLMS wants us to get proof from our bank that the payment was in fact taken out of our account. We have already provided them with more than a year of past payments.
The real clincher is RLMS is also telling us that since RLMS is also telling us that our mortgage with XXXX XXXX was part of the program to lower our interest each year by a small interest point, if all payments were made on time, we owe back interest on both loans. The representative at RLMS said the reason for this is because there was a class action settlement inXX/XX/XXXX because of a law suit against the program, and in that settlement the requirement was to pay back all that interest by adding it to the end of all the customers mortgages who were under that program. This is the first time we have heard of such a thing. Shouldnt XXXX have been the one to notify us when this took place, since it was in XX/XX/XXXX, months before our loan was sold to RLMS? If this really is our problem, shouldnt we have gotten legal notice?
We want to straighten out this mess with RLMS and be able to come to some kind of agreement to get this back on track.
Just a side note, while researching RLMS I found numerous complaints for the same type of dealings with others, those that had mortgages with XXXX XXXX are receiving the type of treatment we are. One Consumer Advocate site listed 355 complaints against Rushmore Loan Management Services.
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| 06/14/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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My complaint is against Rushmore Loan Management Services of XXXX, California. They took over my conventional loan in XX/XX/XXXX when I was going into three months past due on my mortgage payments with XXXX being the 3rd month. I right away started getting call after call from them demanding payment in full as well as dunning letters. We got into XXXX at which time they kept threatening me with imminent foreclosure if I did not bring the account current. Having gone thru a period of financial stress during the months of XX/XX/XXXX thru XX/XX/XXXX and with Rushmores relentless threats to foreclose, I was left with no other option but to apply for financial assistance from Keep Your Home California at the end of XX/XX/XXXX.
I was instructed by KYHC to submit my application with the necessary documentation and to make sure that I did not avoid the calls from Rushmore but to keep them informed and updated as to the progress of my application which I did. On Saturday XX/XX/XXXX I received an e mail from KYHC informing me that they had approved my request for assistance from the Principal Reduction Program ( PRP ) and would be forwarding the funds directly to Rushmore in the amount of {$70000.00} shortly. These funds were to be applied towards my past due payments and the remaining towards the principal with the objective of reducing my the principal amount due and thus reducing my monthly payments in order to make my payments more affordable.
I immediately informed my contact person at Rushmore on Monday XX/XX/XXXX to let her know that I had been approved by KYHC for financial assistance in the amount of {$70000.00}. She then provided me with the amount that would be due including the month of XXXX which was {$24000.00} and that this amount would be due up to XX/XX/XXXX. And as stated on their monthly statements if payment is received after XX/XX/XXXX, a {$100.00} late fee will be charged. I told her ok and that I would stay on top of this matter to make sure Rushmore gets these funds on a timely basis. I asked her if she needed any documentation from me to prove to Rushmore that I had been approved for financial assistance, she told me no and I thanked her for working with me throughout the month of XXXX during my application process.
On Wednesday XX/XX/XXXX I received another e mail from KYHC stating Please be advised that Principal Reduction Program ( PRP ) benefits have been sent on your behalf to Rushmore Loan Management Services to pay any past due amounts ( as applicable ) and reduce the balance of your first mortgage loan.
Knowing this, I made it a point to make sure that I checked on either Monday or Tuesday XX/XX/XXXX or XXXX to make sure Rushmore had received these funds. I tried to log on to my account via Rushmores website but I was not able to pull up my account, instead it said This loan is currently inaccessible. I immediately called my contact person at Rushmore and I asked her why cant I log on at which time she informed me that they had forwarded my account to their foreclosure department on Friday XX/XX/XXXX. I could not believe what I was hearing. I asked her why would she allow this to happen without even calling me, sending me an e mail or a letter. This is the young lady that would constantly call me in XXXX and XXXX demanding payment in full. Her reply was that until they received the funds in house they have the right to move forward with foreclosure which I know is correct. But the problem that I have with what transpired here is that they knew they would be receiving well over what I was in arrears but did not bother to pick up the phone to let me know at least a day or two before they moved forward. Not only did I let them know funds had been approved but they knew this from their direct communications with KYHC who communicated with them on XX/XX/XXXX requesting their written authorization to move forward with funding and authorizing KYHC to forward payment to them directly. Rushmore replied via e mail on XX/XX/XXXX in the affirmative.
I not only spoke with my contact person at Rushmore on XX/XX/XXXX but two other individuals trying to make my case that what they are doing is totally wrong and unethical because I could clearly see what they were attempting to do which is to hit me with several thousands of dollars in foreclosure fees which they knew they would be able to collect without any problem because they knew without a doubt these funds were on their way. They did not turn me over to foreclosure because they thought I would not be able to come up with the money they turned me over to foreclosure because they knew 100 % they would be getting the money. Their objective is to apply amount to my past due balance take another several thousands of dollars in foreclosure fees and this way not apply as much towards my principal balance and thus make more from me in interest.
I got the same excuse from these two other individuals that it was their right to proceed and that if I did not like I could call their foreclosure attorney and they provided me with his name & phone number. I decided to call their foreclosure attorney the following day on XX/XX/XXXX since I was making every effort to notify anyone on their side that this step was not necessary and try to minimize any kind of foreclosure costs they were attempting to try to justify. When I called their attorney on XX/XX/XXXX the first question I asked her was when did you get my file? To which she replied that they had just received it the day before on XX/XX/XXXX which is the same day I called Rushmore to complain about this. How much work could they have possibly done on my file to try to justify the thousands of dollars they are going to try to hit me with. I once again tried to work with my contact person at Rushmore and I also let her know that I just found out that their attorney got my file he same day ofXX/XX/XXXX. But again I could not get any where with her. I told her that its very unfair that they are planning to hit me with several thousands of dollars in additional fees. She tried to tells me they had no way of knowing what the bill would be until they received the figures from the attorney. Which is not true because late on XX/XX/XXXX I called KYHC and they told me that they were already notified by Rushmore that the new figure due was {$28000.00} only 24 hours after their foreclosure attorney received my file. How is this possible that Rushmore knew how much to charge me in foreclosure attorneys fees when the attorney just received my file 24 hours before this and when Im sure the attorney has not even invoiced Rushmore. Im thinking its because Rushmore knows how much more they can hit me with in foreclosure fees before the file even leaves their offices. Additionally, I have no doubt that an actual person at Rushmore looked at my file to see what was the status of my payment and they saw fund forth coming. They did not see home owners has not made payment arrangements. They saw guaranteed certified funds forth coming and this triggered them to see the opportunity to make more fees off me.
This is unjust and unfair!!!
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| 01/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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Name : XXXX and XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, FL XXXX Complaint against : Rushmore Loan Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I am requesting the XXXX report for the property address listed above. I believe that we have been a victim of Deceptive and Unfair Trade, Fair Debt Collection and Fair Credit Reporting.
This is a XXXX XXXX loan.
In XX/XX/XXXX, it was originated thru XXXX XXXX and sold to XXXX for supposed Mortgage Back Securitization in XX/XX/XXXX. XXXX XXXX XXXX acquired the Servicing Rights during that time.
Since XXXX, I have encountered great difficulties in obtaining information regarding my loan that originated with XXXX XXXX.
XXXX XXXX ceased operations on XX/XX/XXXX.
The failure of the XXXX XXXX XXXX and/or their legal counsel to recognize the protections offered to GNMA securitized loans has caused great harm to me and my family.
The creation of false documents has occurred since XXXX. False, deceptive and misleading representations by XXXX XXXX XXXX and XXXX XXXX has caused our inability to access the governments program -- HARP as neither entity would acknowledge this loan product. We were constantly told that we had a private label loan.
There are three ( 3 ) areas that I would like to highlight in this complaint.
They are ( 1 ) XXXX XXXX was the attorney of record for my case from XXXX to XXXX, ( 2 ) XXXX XXXX XXXX claims to be both mortgage servicer and loan investor simultaneously and ( 3 ) Different Amount Owed on the Same Day.
ISSUE # 1 XXXX XXXX XXXX MISREPRESENTATIONS ( FORECLOSURE MILL ) XXXX XXXX XXXX has been in possession of our file since XXXX. Yet, a lawsuit was not filed until XXXX. During those three years, a corrupt Chain of Title was recorded to give right to foreclosure on our property.
***Note the documents upon which the file # XXXX is written**** XXXX is XXXX XXXX XXXX XXXX. The number 10 represents that year the file was boarded while XXXX is file number Why is the XXXX XXXX important? What entity paid for the law firm services from XXXX thru XXXX?
It is during this time that XXXX XXXX XXXX with XXXX XXXX XXXX as its counsel filed and recorded self-authenticating Assignments of Mortgage.
It is noted that XXXX XXXX ( original lender ) ceased business operations on XX/XX/XXXX. As stated in MERS agreements, once an entity ceases to exist so does the ability to execute upon its behalf.
Therefore, the Assignment of Mortgages were fraudulently recorded in XXXX XXXX, FL on XX/XX/XXXX and XX/XX/XXXX.
During that time frame, XXXX XXXX has made material misrepresentations to me and more importantly the Court System. XXXX XXXX has committed XXXX upon the Court in XXXX and XXXX legal filings in XXXX XXXX. This law firm has been under investigation with FL Atty General Office and now XXXX for its role in creating fraudulent documents.
As late as XX/XX/XXXX, XXXX XXXX was still pushing this false narrative in court.
ISSUE # 2 XXXX XXXX TO BE BOTH MORTGAGE SERVICER AND MORTGAGE INVESTOR SIMULTANEOUSLY *XXXX XXXX XXXX was a Mortgage Servicer.
XXXX XXXX XXXX XXXX not an Investor.
This loan is a XXXX XXXX with title defects This loan was sold to XXXX in XX/XX/XXXX.
But, the servicing rights were sold to XXXX XXXX XXXX in XX/XX/XXXX In early XXXX, we received a letter from the OCCs Independent Foreclosure Review acknowledging that our loan had been in the foreclosure process between XX/XX/XXXX and XX/XX/XXXX.
Seven years after this loan was booked in XX/XX/XXXX, XXXX XXXX XXXX created and recorded documents to perfect a fraudulent Chain of Title in order to foreclose. The mortgage servicer and its legal counsel fabricated information.
Based on the XXXX transactions, the only entity eligible to have sold the loan would be XXXX. XXXX served as the Investment Bank for this deal. Memorialized transactions show that XXXX XXXX sold the loan to XXXX.
Also, I made numerous requests to XXXX XXXX XXXX to view the original loan documentation in XXXX. After numerous requests, this did not occur until XXXX at the Law Firm of XXXX XXXX.
ISSUE # 3 QWRs CONTAINS CONFLICTING INFORMATION Numerous QWRs in accordance with the RESPA have been sent since XXXX. In addition, several Request for Production of Note were sent too.
Upon receipt of QWRs answers, each rendered different answers regarding ownership and servicer.
DIFFERENT AMOUNTS OWED Two different documents mailed in XX/XX/XXXX listed different amounts owed on the loan.
XX/XX/XXXX Mortgage Statement loan balance {$380000.00} XX/XX/XXXX ARM Adjustment Letter loan balance {$360000.00} DIFFERENT ALLEGED OWNERS XX/XX/XXXX Notice of Sale of Loan Letter states loan sold to XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX filing lists the owner of loan is XXXX XXXX Trust as Trustee for XXXX XXXX XXXX XXXX XX/XX/XXXX Response to XX/XX/XXXX QWR states that loan is owned by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEBT VALIDATION LETTERS SENT BY SERVICER ON THE SAME DAY Mailed on XX/XX/XXXX XXXX XXXX states the creditor is XXXX XXXX XXXX XXXX Amount Owed {$510000.00} Second Letter states the creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount Owed {$520000.00} * Note : In court documents, the amount owed was stated to be {$370000.00} as of XX/XX/XXXX Throughout this process, we have observed two things : 1 ) It appears that the Servicer ( s ) conceals the usage of Credit Default Insurance. This gives the illusion of a shadow balance sheet. Notice the XX/XX/XXXX balance and the XX/XX/XXXX balance.
2 ) According to the Prospectus for XXXX XXXX XXXX XXXX, a loan that is greater than 120 days delinquent in not eligible. This loan is greater than 120 days past due. Also, loans contained in XXXX were assigned to the trust by XXXX XXXX. How can XXXX XXXX assign my loan when they do not appear in the chain of title?
Other issues that I did not discuss include : ( 1 ) Other Alleged Owner/Investors and ( 2 ) OCC Consent Orders CHAIN OF TITLE PROBLEMS On XX/XX/XXXX, the XXXX and XXXX loans were originated by : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX ***Within one month of origination, XXXX XXXX XXXX both mortgages to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX This is important for two reasons : o XXXX XXXX XXXX XXXX was an Investment Bank used to securitize XXXX XXXX XXXX.
o It is only the Investor who earns the interest paid and thus the only entity that has Assignment of Mortgage and Note rights.
o The paper trail supporting this fact is found on Line 901 of the XX/XX/XXXX Settlement Statements and XXXX XXXX Mortgage Interest Statements o XXXX XXXX was the Originator but XXXX was the Investor by virtue of receipt of the 1st Interest payment.
Yet in XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX with the assistance XXXX XXXX XXXX recorded XXXX Assignment of Mortgages. The fraudulent assignments purported that XXXX XXXX thru XXXX transferred ownership to XXXX XXXX XXXX.
Several inconsistencies exist.
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| 05/02/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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Currently Rushmore has us scheduled for a Sherriffs sale XX/XX/XXXX. I have not had a forbearance period granted. I received a modification that makes us lose our HUD protections, adds a variable interest rate, adds 10 years onto loan, gives them the right to sell my home with only 30 day notice for no reason, and we would be paying interest on our past due interest for another 30 years. We are XXXX years into our mortgage and missed 2 years worth te payments when we started hardship our principal balance was less than XXXX. The modification is for over XXXX and states we are responsible for fees ect from XX/XX/XXXX the date they created the modification through when our first pmt would be due on XX/XX/XXXX. We received the modification on XX/XX/XXXX and only had 10 days to reply. On day 6 they called wondering if we sent it back yet trying to strong-arm me into committing to send it that day. There is no trial period for the modification other than waiting for our first payment XX/XX/XXXX so it's a sealed deal that I can't back our of if I were to get reinstatement funds before XX/XX/XXXX.
I would like to tell you my situation from the beginning of our hardship in XXXX of XXXX.
One of the best days of my life occurred on XX/XX/XXXX as I gave birth to my perfect little girl. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My XXXX was very challenging at the age of XXXX then XXXX although I began the first trimester in the best health I had achieved in 10 years. As my XXXX progressed I developed XXXX XXXX XXXXXXXX in my neck. The pain was intolerable by the end of the XXXX trimester and I was unable to preform my job duties as the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I tried physical therapy, pain management, and all other options before claiming short term XXXX on a privately paid policy.
The XXXX claim was only supported to be paid for XXXX XXXX weeks with one week being my unpaid waiting period. With the XXXX I was able to extend the benefit while I searched for a surgeon after my Doctor recommended that I get XXXX in replacement of her first recommendation of waiting XXXXXXXX weeks after giving birth. I tried 2 surgeons from my area and was told ti come back XXXX weeks after giving birth vaginally. My doctor the referred me to the XXXX XXXX XXXX I was told the same thing that I could not have XXXX until after XXXX and I could come back XXXX weeks after delivery.
I again tried pain management doctors and physical therapy while collecting my short term XXXX claim that covered only partial wages.
I gave birth on XX/XX/XXXX of XXXX and again had to wait the week waiting period for my maternity leave benefit to start for the XXXX week period. My baby was XXXX weeks old and although I had some improvement I had to look forwards to XXXX. My XXXX benefit expired and I was denied the claim I submitted while waiting for XXXX weeks postpartum when I could make an appointment with the surgeon of choice.
I tried to work again as we needed the income. As I planned XXXX I was told that because of Covid my local clinics were emergency only and thar since I was working I was put on the waiting list. It would be 6 months before I cab see someone to determine if XXXX is the best option. I called the XXXX and they told me I needed to seek care locally because of covid. I had 6 months to wait to get medical help and my situation was worsening every day that I worked. It was only a few weeks later and I couldn't work again. I needed XXXX now. My doctor retired and I had no referrals and covid made it impossible to get an appointment anywhere.
By the time the 6 months were up we had fallen 3 months behind on out mortgage and electric bill which was our source of heat. We had already pulled all of our IRA funds and were out of funds. A friend suggested that we apply for assistance at the Covid 19 Housing Assistance web page.
The XXXX Economic Development assigned us an advocate at the beginning of XXXX. After submitting the application and required documents we were advised not to make any partial or full payments to our mortgage Company, 2nd mortgage and electronic company otherwise the funds will not be available from the grant if we are not behind. We were reassigned too a different adviser because ours was MIA. The new adviser confirmed the previous information and finished the process. We were approved for the grant after 3 months of waiting. It was going to cover XXXX Payments as well which I didn't apply for because the bill had not come yet. Our 2nd mortgage and electric provider received payment around XX/XX/XXXX. I had assumed that the fund 's were sent to our mortgage company as well.
When I was finally seen by a doctor I was XXXXs and therapy ect. I am now working again.
Our home is in forclosure and the grant money is no where to be found. On XX/XX/XXXX when the funds were submitted we. Were 7 months behind because of the advisers telling us not to pay. There was no way to make up 7 months of house payments. Our servicer was also changed right after applying for assistance with the mortgage company. I applied again with the new servicer after postponement of the sherriffs sale. We were again sold to another servicer. I finally have a loan modification however they took our HUD protections away, changed our fixed rate to variable, extended our loan term back to 30 years and it says they get the deed and can sell on default with 30 day eviction timeline.
They dated the loan modification XX/XX/XXXX and it was next day aired XX/XX/XXXX. Terms begin XX/XX/XXXX it states. Our first payment due XX/XX/XXXX however that is also when the trial period ends making it final. I had 10 days to sign with notary and no time to get an attorney. In fact every attorney referred me to other attorneys. My advisors will not respond or call me back. The servicer on the loan was super hard to get a hold of and suddenly they can call me on day 6 to see if I Signed and returned the modification.
With the missing grant money and my federal return I am very close to the amount owed but am told the modification is the only way. My home is worth XXXX according to tax statement and we could get XXXX Says my realtor. In XXXX of XXXX when I made our last payment we owed {$100000.00} and 20 years. The loan modification says XXXX and 30 years plus variable interest rate, plus losing our HUD right, plus they get the deed and can sell out our property and any belongings with 30 Day eviction notice and we have no right to refinance or sell without written notification asking permission. Is this a real mortgage. Nobody will help me.
I need help now. Please. This is the last day to next day air our modification. I know XXXX is to launch tomorrow or Wed but that's not a guarantee either. Please help me decide what to do here. This modification could leave us homeless in 30 days. Our forclosure sale is XX/XX/XXXX and it has already been postponed from XX/XX/XXXX so thus is it. Please help.
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| 03/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I am making a complaint against Rushmore Financial Management Service and XXXX XXXX XXXX The mortgage servicing company, Rushmore Financial have enforced a back dated flood policy on me for the periods of XX/XX/XXXX - XX/XX/XXXX. This I consider to be unfair, as they were the ones that failed to make a qualified payment and then did not notify me of the issue until months later. As soon as I was notified by my insurance broker, XXXX XXXX I believe they have done this because I have complained to them about their poor communications. They mailed incorrect information regarding my 1099 and my escrow balances. This is a direct response to my question regarding my insurance payments and escrow accounting for XXXX. It's crazy to me that I comment on their escrow accounting and then they send me a bill. This is evil and vindictive and spiteful. Or maybe if I did not high light the situation, they would have been non the wiser and this craziness wouldn't be happening.
I received notification from Rushmore dated XXXX XXXX advising me my flood insurance had expired or was canceled.
I received notice dated from the XXXX XXXX XXXX dated XX/XX/XXXX, advising me my flood insurance had been canceled.
I did not actually receive a notification from anyone until XX/XX/XXXX, which was from XXXX XXXX. My flood policy runs annually from XX/XX/XXXX. Premium amount increased to {$550.00} from {$370.00} the previous year and that particular policy, I am told, was no longer available. The policy amount that is actually in force now is {$710.00} because the new policy was a day late in processing.
I received a call from my Insurance Broker, XXXX XXXX of XXXX XXXX XXXX, XX/XX/XXXX, to say that I did not have flood insurance and did I remember receiving a check from the insurance company at any time? I said I had and I was waiting for Rushmore to send me an escrow letter and explanation as to what the check was for and with that, if there was a change in my payments that needed it, I would send that payment in. I wasn't expecting a negative result but the money was there. An over payment refund check was sent to me in the amount of {$550.00}. This payment was deposited into my XXXX XXXX XXXX XXXX Savings account XX/XX/XXXX.
Over the past XXXX to XXXX years I have tried to lower my escrow balance by shopping for lower payments and have never received a rebate from Rushmore in all that time. With my conversation with XXXX XXXX, on XX/XX/XXXX he verified with me whether the flood payment was to be escrowed or whether I paid the Insurance in full each time. In previous years my flood insurance was much higher and in shopping for a lower payments, I found XXXX with XXXX XXXX, {$370.00} Rushmore was then supposed to make the renewal payments. Coming up to my anniversary I was advised by XXXX XXXX that this policy was no longer available and we had to look for something else. Although Rushmore did not include flood in XXXX, they had in previous years and they were expected to making a XXXX payment. When lower payments, I have never received a rebate check until this year along with my enforced policy. They have acknowledged I had a flood policy in place, until now.
Rushmore made the payment and then paid again. The Insurance company acknowledged the second payment and then sent that over payment back to me. Rushmore in the meantime, canceled the wrong check. Rushmore assumed the payment had been made and the Insurance company just sat waiting for the check to be replaced again. And this took XXXX months!
Just to complicate things further, I received a call from XXXX XXXX again, while waiting to board a plane to visit my parents, to say that my Credit Union, ProrityOne of XXXX, apparently returned a payment made on or around XX/XX/XXXX. In other words they did not honor a payment request for the new policy amount of {$710.00}. Was I sure the payment was there? I said yes. I checked my account and it was in excess of what was needed to pay out this amount.
My broker 's concern was that the money was coming out of my savings and not my checking, so I would have to transfer the money from savings to checking for them to draft.
On speaking with my Credit Union, I needed of done no such thing, if they flagged the account as a Savings account and not a checking account, they would have paid it This is still being looked into. For security reasons my online account does not provide my full account number so I was unable to verify this information at that time. I was about to board a plane.
My Credit Union when speaking with them Monday XX/XX/XXXX, could see no evidence of a payment request being made in XXXX and can only verify that payment made in XXXX of {$710.00}. They are suggesting that an error was made by the requesting person and this was if anything as to why the payment was rejected.
I was away XXXX XXXX XX/XX/XXXX. This is why the second payment attempt did not go out until after this date. On my return I verified my checking accounting information with XXXX XXXX XXXX by providing a blank check.
I did receive an escrow check refund this year in the amount of {$450.00} After writing a letter of concern to Rushmore using their online portal, I received an evidence of insurance cover for {$1400.00}. I believe this is them being vindictive because I questioned them.
I traveled again to see my parents XXXX XXXX XX/XX/XXXX. My parents are elderly and not doing so great. A call was made to Rushmore Monday XX/XX/XXXX. Spoke with XXXX who was very smug with me and told me the policy in force was from XX/XX/XXXX- XX/XX/XXXX and was there anything else she could do for me? I really did not appreciate her gloating and smug attitude.
My original policy was no longer available and was canceled. A new policy was not available at either rate. The new rate is now {$710.00}. More than doubled from the previous year and now I have an additional {$1400.00} in escrow. if I was suppose to purchase a back dated policy, I should have been told that it was possible and this was what I was supposed to do and I was not. As far as I was concerned I just needed to get a new policy in place. Which I did. Secondary, if I was unable to purchase a back dated policy, how is it that Rushmore was able or is able to do this? If my Insurance broker, XXXX XXXX, XXXX XXXX XXXX is negligent on this, then yes, I blame him too!
I believe Rushmore Mortgage Servicing is trying to set me up to compromise my home and my mortgage and just plain making things financially difficult for me.
They are slow to respond to mail.
Their Mailed statements do not correspond with their online statement/overview They provide conflicting information Their online payment portal in recent past have been very confusing
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| 03/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Since XX/XX/XXXX, I have been involved in the short sale of a property that my late husband owned. Previously, my late husband had been making an effort to short sale the property without success. In XX/XX/XXXX, the XXXX XXXX XXXX declared that the property was not habitable due to a water leak, debris, faulty utilities, and black mold in the basement.
OnXX/XX/XXXX, XXXX bid Property ID : XXXX there was a winning bid for {$330000.00} for the sale of the subject property. The asset manager was named XXXX XXXX. We made communications with her through Equator property system. The previous loan servicer XXXX XXXX stated that the investor for the home laon desired {$320000.00} net at the closing in XX/XX/XXXX and stated that the loan had been transferred in XX/XX/XXXX. I had submitted in XX/XX/XXXX that the purchaser would pay the {$320000.00} but XXXX XXXX did not submit the HUD1 to the investor.
OnXX/XX/XXXX, I had submitted through my realtor a short sale a HUD1 for a property in XXXX County and we also provided a closing date to XXXX XXXX XXXX.
The HUD1 statement submitted to the new loan servicer, XXXX XXXX XXXX stated that the purchaser would pay {$320000.00} net. My husband past away and I have been depressed and since we do not live at the property, we wanted to sell the property. We informed the bank that my husband had medical bills and expenses owed and that was around {$25000.00} and we asked if it could be taken from the proceeds but we later had the purchaser agree to pay these expenses. In XX/XX/XXXX, we informed Rushmore that we were concerned about having black mold remediation because of the mold in the basement of the property it is a serious health problem and public safety risk and the cracks in the foundation of the property.
Rushmore stated that the investor wanted a net amount of {$340000.00}. They stated that the investor was firm based on an increase in value of the property. I know that the property did not increase in value because in XX/XX/XXXX, I told them through my agent that I was concerned about the increased damage to the property including the roof, cracks in the foundation and the mold. I was also concerned whether XXXX XXXX XXXX had hired a third party contractor because locks were changed on the property and someone had put a tarp on the roof. I requested on XX/XX/XXXX, for Rushmore to have any third party contractor cease and desist work on the house because the XXXX XXXX XXXX had stated that my realtor would have total liability for any damage or injury to the property. Previously on or around XX/XX/XXXX, Rushmore was sent photos detailing the property condition that included cracks to the foundation, damage to the walls, damage to the roof and debris. The photos showed that the mold had spread from the basement to the first floor. A subsequent email was provided later in XX/XX/XXXX detailing that the mold was likely to be spreading to the second floor as well as any temperature above 50 degrees could cause the mold to spread.
Rushmore representative in the liquidation short sale department, XXXX XXXX stated in an email " Sorry for any confusion but I have never had an approval on this short sale. When it transferred over to us we were under the impression that the prior servicer had issued an approval for the XXXX maybe thats where the confusion is coming from. I will update the file with all the info you have sent in but once again the investor is firm on the counter ( $ XXXX ). '' A response was provided that et amount of $ XXXX and the winning XXXX bid was $ XXXX. The investor can confirm this with XXXX XXXX. The property has black mold on two floors and this can be verified despite the investor stating their offer is firm we state that the offer is not based on facts nor the history of this file.
On XX/XX/XXXX, Rushmore was sent an email on my behalf that stated : " We have a serious issue with the black mold as the temperature today is over 70 degrees which will increase the growth of the black mold. It is already on the first floor and due to the increase in temperature that it is likely to increase to the second floor. I have no plans to enter into the home as it threat to my personal safety. No one should be inside the property with the exception of black mold hazmat team of professionals. I am concerned that if this house becomes infested that there will be no market value as it will be condemned. ... .. the family is frustrated ... and want to close as soon as possible. The investors have not been back to the property but we are concerned if they went back it would be a problem because of the black mold growth would depress the value of the property. It is in the best interest of all parties to close as soon as possible. We may not have a buyer if the mold grows because mold remediation for all three floors removal, demolition and replacement of walls and treatment of the walls could cost well in excess of $ XXXX The last appraisal confirmed the extensive damage and mold and this was the banks appraisal.
On XX/XX/XXXX, the XXXX XXXX XXXX condemned the property and Rushmore was notified by email. The bank failed to understand the seriousness of the mold despite informing them since XX/XX/XXXX that the mold was getting worse.
On or around XX/XX/XXXX, Rushmore stated by an email of XXXX XXXX that they were firm on their request net amount of $ XXXX. They did not provide any evidence of how they believed that the property was still worth $ XXXX when it was now condemned by the XXXX XXXX XXXX.
OnXX/XX/XXXX, I responded by my agent that this made no sense at all. What comparative values support this valuation for the condemned house. How can they say that the property value increased when it was declared condemned by the XXXX XXXX XXXX. The loan servicer and investor should know that a condemned property is not habitable and when it is condemned it voids the certificate of occupancy.
I would like the bank to just provide a net amount that they would like based on the current condition of the condemned property so that we can submit a HUD1 and close on the property. They need to stop being deceitful and deceptive by stating that the home improved without providing an appraisal and they are aware that the property can not be inspected or entered because of the black mold and the fact that it was condemned.
Please assist me I am a widow suffering from this ordeal with the bank and I do not want a foreclosure and just want to short sale the property and waive any outstanding debt for the estate of my husband.
I seek justice and fairness and speedy resolution so that I may sell the property and move on with my life.
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| 03/03/2018 |
Yes |
- Debt collection
- Mortgage debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have tried several times to communicate with Rushmore loan management services on their attempt to collect on a time barred account. By sending communication via US mail / fax and electronic submission though your portal on validation of debt as it relates to the FDCPA / FCRA. Giving out false information to the credit reporting agency to tarnish our credit. Failure to credit account as required by THE FAIR DEBT COLLECTIONS PRACTICES ACT, THE FAIR CREDIT REPORTING ACT and the credit acts of the state of Georgia. They pretended to be collecting on behalf of the original creditor. The original creditor was XXXX XXXX XXXX. I have taken it upon myself to contact the original party to settle any misinformation, in there response to me after I offered to tender payment to settle the account is that the account was credited in XXXX of XXXX, and they can not accept any payment. It was a recorded conversation with the approval of the agent named XXXX. According to 3-603. TENDER OF PAYMENT.
( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.
( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.
Rushmore Loan Management Services continued with the harassment of trying to enforce a time barred account which is uncollectible. They are using the U.S. Mail to present such fraud and false instrument ( s ) amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C. 1341-Frauds, Swindles laws. In any event, they refuse to stop contacting me, then sent a communication again through the US mail staing they are going to foreclose on my property if I dont make a payment, additionally they are accelerating the debt and all amounts are now due. First of all, this debt has deen discharged, I confirmed this by checking with the county land records department that shows a cancellation of " loan. '' It is not now, nor has it ever been my intention to avoid paying any obligation that I lawfully owe. So, when I requested the verification / documents I was complying in good faith with those request for validation and notice that I dispute part of, or all of the alleged debt. Anyone can access the land records information, it is a public domain. That is where Rushmore printed all those so called assignments and submit them as proof of debt. I decided to protect myself and my interest, because Rushmore is the fourth party that has tried to collect on a time barred account. I filed a bankruptcy ( 7 ) on XX/XX/XXXX. Rushmore elected to auction my property under " act of State '' and claimed to have bought the property through bidding at XXXX, cash I might add. In this deception of them being the creditor, they violated a bankruptcy stay, and pass on their fraud to the next entity under the ficticious name of XXXX XXXX XXXX XXXX, XXXX ( XXXX ), d/b/a XXXXXXXX XXXX XXXXXXXX XXXX, or XXXX XXXX XXXX. Now we have another law firm involved in this fraud called XXXX XXXX XXXX which took it upon themselves to file an eviction summons on behalf of XXXX et al. By using government agents to do their dirty work, saying they are the owner of my property, and label me as a " tenant of sufferance. '' According to Georgia law if a creditor elects to recover property they should go through the district court where the property is located, but because these debt collectors know they do not have any contract with me, they took the easy road. I am still under the bankruptcy protection during all of this. XXXX XXXX on behalf of XXXX, although their is no record of any power of attorney for services for the attorney 's on the record. By using a false " indexed deed '' clause. The magistrate court elected to give these debt collectors a writ of possession without due process. There is no Power of Attorney for me on the county records, I have revoked any and all POA / in fact from the record on XX/XX/XXXX and send to all entities that purported to have a contract with me. The magistrate did not request me to pay any amounts to the debt collectors, so I appeal to the superior court in a timely manner. Now comes a different attorney, filing claims of rent payment and asking the court to force me to pay rent. Another act of state, using a hearing to drag me into court on a voluntary hearing which I decline. The judge has took it upon himself to approve rent without a contract and wants me to pay by XX/XX/XXXX, or he will have the sheriff put me out. This is ludicrous, how a debt collector can obstruct the law and get away with it. I am not leaving my property because I am not responsible for that " debt. '' I had a prior purchase agreement with XXXX under a non recourse context. So now here comes Rushmore sending me a XXXX saying I am responsible for a debt and that I abandoned my property. I am still domiciled at the property. I believe the claim that there is a valid lawful debt owed by me to the principal ( s ) is a crime per 15 U.S.C. 1692 ( e ) false, deceptive, and misleading representation, in connection with the collection of any debt such as the false representation of the character or legal status of any debt and no evidence to the contrary exists, and a crime under 18 USC 1001>stating fraudulent information. no debt to any of the principal ( s ) and that noted principal ( s ) is/are engaging in fraud by stating that they are the creditor, that they loaned any money or that they are entitled to any valuable consideration from me to satisfy a debt that without restitution would otherwise create a pecuniary loss to them. The business practices of the principal ( s ) its agents, officers, employees, and attorneys to determine violations of the United States and Georgias criminal laws. I believe the principal ( s ) claim of right in collection of a purported debt appears to be founded upon a false record in violation of U.S.C. Title 18 1001, 2071, 2073 ( falsifying records ) and further ; claiming and possessing false allegations and counterfeit securities [ securitized promissory note ] as well as un-substantiated claims of obligation, in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C. Title 18 1961 et.seq. I really need for someone to intervene, because this is getting out of hand. Respectfully,
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| 11/02/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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XX/XX/XXXX Rushmore Loan Management ( servicer for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Loan # XXXX ( XXXX ) XXXX Urgent complaint against XXXX XXXX, XXXX XXXX XXXX XXXX and Rushmore loan management svc.
This letter is a dispute concerning all amounts charged by the Mortgage Company they do not correspond with a true amount and are inflated, you have charges that are illegal, unfounded, unverified and abusive beyond the normal status On XX/XX/XXXX XXXX XXXX XXXX filed a motion with the United States Bankruptcy Court XXXX XXXX of Florida XXXX XXXX XXXX case # XXXX XXXX XXXX XXXX the full approximate payment of arrearages was {$93000.00} due and owing in regards to the loan. The arrearage is what was due and owing at the time of the filing, according to XXXX. So XXXX filed a claim for that amount they are bound to that amount according to the motion they filed.
Then We have the attorneys for XXXX XXXX saying that XXXX is owed, Then we also have Rushmore Loan management sending statements giving a different amounts. We have 3 organizations involved for one loan and none of them have an accurate amount of the true financial accurate balance, this is a factual financial controversy that shows the fluctuation of fraudulent amounts hindering and affecting the entirety and origin and continuance of the loan. XXXX added attorney fees, Rushmore added Attorney Fees, XXXX XXXX added attorney fees all at the expense of trying to hinder, abuse and discriminate the true status of the loan, infringements founded on inaccurate grounds and untrusting fees because of predatory actions conducted by these servicers, I Am requesting a Federal Government investigation and appropriate Authorities concerning this kind of injustice and ongoing corruption that can disqualify this status of greed and actions conducted by this institution and their assignees.
XXXX XXXX said it was " very sorry '' for a computer glitch that caused hundreds of people to have their homes foreclosed on. The Fed has said it won't lift the asset cap until it's satisfied XXXX XXXX has cleaned up its act. XXXX XXXX remains in legal hot water beyond the Federal Reserve. Federal government agencies, including the Justice Department, SEC and Labor Department, and state attorneys general have launched inquiries into XXXX XXXX 's sales tactics, according to recent SEC filings that described the probes as at " varying stages. '' Not surprisingly, the Federal Reserve has yet to remove the bruising penalties it imposed on XXXX XXXX in XXXX for " widespread consumer abuses. '' The unprecedented sanctions handcuff XXXX XXXX by preventing the bank from growing. XXXX XXXX discovered that some workers altered documents about business customers a finding that reportedly sparked a Justice Department investigation. ( The department declined to comment. ) XXXX XXXX bank remains in turmoil from the fake-account controversy and other scandals keep emerging. It paints the picture of a bank that has repeatedly abused its customers.
XXXX XXXX has admitted to charging customers for mortgage fees they didn't deserve and forcing them into force over inflated amounts. Some people even had their homes repossessed as a result. I further certify that I refute, rebuke, contest, deject and submit my objection of all amounts charged against me from XXXX XXXX, XXXX XXXX XXXX and Rushmore loan management and all those involved in these constant corruptive fraudulent acts of violations and consumer abuse.
XXXX XXXX - The laws concerning the securitization of notes is quite clear ; if you want to take a negotiable instrument like a loan note and convert it to something that can be traded on wall street such as a stock or a bond, which are " security '' instruments, you can do so, but then you can never change it back to a loan note or " negotiable instrument ''. Once these pools of notes are converted to stock they are supposed to be put into the loan pool, and they have 90 days from the closing of the pool to do so. However, none of this hardly ever occurs as in fact, the notes are destroyed and lost so that no one ever finds out the truth about the notes having been converted to a security instrument, because if a security instrument were to materialize concerning your home and they also have in their possession a loan note, that is admission of fraud on their part. They crooks also try to concoct missing assignments of these loan notes years after the closing dates on the pools, another XXXX fraud that constitutes a 10 % fine of the total value of the pools. This should be in the tens to the hundreds of millions of dollars per violation. XXXX XXXX XXXX to Tell Borrowers Whether They Are Among Those Wrongfully Foreclosed On XXXX XXXX Admits In SEC Filing That It Wrongfully Foreclosed On Peoples Homes Violations of FDIC, CFPB, OCC and other aff DTPA-Deceptive Trade Practices Act violations - the banks and mortgage servicers are violating the DTPA.
FDCPA Fair Debt Collection Practices Act violations - the banks and mortgage servicers are simply ignoring FDCPA notices.
TILA Truth In Lending Act violations - the banks and mortgage servicers are simply ignoring TILA notices.
RESPA Real Estate Settlement Procedures Act violations the banks and mortgage servicers are simply ignoring RESPA notices.
Insurance Fraud companies that have no ownership rights to the notes are forcing insurance while naming themselves as the mortgagee.
Falsifying Notary Signatures - aka Robo signing - This practice has become well known throughout the country. A document with an authentic signature is photoshopped and copied onto other illegally created documents to make it appear legal. In other cases companies interested in stealing someones home just have someone else sign the documents in the name of a real signatory. In many cases the signature is simply an odd squiggle mark that is indecipherable as to what name is being written. Usually the notary stamp and signatory are on a separate piece of paper than what is purported to be notarized. Again illegal in all states.
Robo Signing Trustees - A trustee is supposed to be in charge of your loan note and / or trust that the note is in, however, they oftentimes just signed everything in sight with no thought given to what they were signing and in many cases simply neglected to sign XXXX XXXX also Forged my signature XXXX XXXX XXXX, and XXXX XXXX Signature XXXX XXXX and XXXX signature on the HUD 1 Closing Statement.
Sincerely : XXXX XXXX XXXX and Witnesses
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| 11/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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On XX/XX/2020, I filed for bankruptcy and an Official Form 108-Statement of Intent for Individual Filing under Chapter XX/XX/XXXX was faxed and mailed to Rushmore Loan Management Services LLC requesting that I wanted to " Retain the property and in enter into a Reaffirmation Agreement. '' On XX/XX/2020, I talked to the Bankruptcy Department after being transfer from the Customer Service Department at Rushmore and was told I needed a letter on letterhead paper from my attorney with my property information and that I would like to enter into a " Reaffirmation Agreement ''. I talked to my attorney and he said that is not how it should work and re-faxed the Official Form 108 to Rushmore at the same number XXXX again.
On XX/XX/2020, my Bankruptcy wasXX/XX/XXXX On XX/XX/2020, I noticed a paragraph on my monthly statements from Rushmore : " Our records shout that this loan may be subject to either a bankruptcy stay or a XX/XX/XXXX of personal liability through bankruptcy, We are sending you this statement for informational and compliance purposes only. It is not an attempt to collect a debt against you. If you want to stop receiving statements, write to us at the Correspondence address list on the next page. '' Although when I called the automated service it told me my payment for {$690.00} and the due date is always the XXXX of the month.I am still making my payments. I talked to the Customer Service Department who put me on hold to talk to the Bankruptcy department who stated that they did not have a copy of the Official Form 108 and I would need to send a letter stating my intent to enter into a Reaffirmation agreement. My attorney told me once again that Rushmore did not know what they were doing and there was no communication between the departments On XX/XX/2020, my attorney told me Rushmore should have sent a form to him concerning the reaffirmation to my loan which they didn't. Right now I am protected by the Bankruptcy but I should continue to make my payments. He also said to start a spreadsheet with the amount I paid the date paid along with a breakdown of the payment. This is in case for some reason Rushmore tried to foreclose on the loan at some point. The company is not sophisticated enough to know how to handle a bankruptcy so I need to make sure I have all my information on a spreadsheet, On XX/XX/2020, I was able to talk to the Bankruptcy Department again and was once again told to send a letter, I was told to call back the next day before XXXX XXXX and talk to XXXX who handled my Bankruptcy for any details as they only have a few notes in their system. My attorney told me to stop " beating my head against a brick wall '' and continue with the spreadsheet.
On XX/XX/2020, I filled out a survey from Rushmore about their Customer Service Representatives. I included all the information about what I was told by the Customer Service Department and the Bankruptcy Departments. Also included that I can get the correct information when using the automated service that would give me the dollar amount and when my payment was due.
On XXXX XXXX, I received a phone call from Rushmore Escalated Customer Service Department concerning the survey I filled out with all the negative comments. She listen to my concerns about the Reaffirmation Agreement and that my payments for my loan were not being reported to the three Credit Bureaus. She placed me on hold to talk to the Bankruptcy Department about my concerns. She tried talking to the Bankruptcy Department but was unable to understand the person as they spoke very quietly, I had talked to the same person in the past and was unable to her understand her also. Bottom line, I either wanted a Reaffirmation agreement or my payments reported to the Credit Bureaus and she was going to do some more investigation.
On XX/XX/2020, I received a followup call from the Rushmore Escalated Customer Service Department. I was given the same information that I needed to my attorney to send in writing that I wanted to a Reaffirmation agreement. I politely told the Representative that was not going to happen because my attorney had already sent copies of the Statement of Intention To File Under Chapter XXXX. The Customer Service Department can not see what the Bankruptcy Department can see because they are a different entity. I told her, my attorney advised me to keep a spreadsheet of a breakdown of my payments along with the confirmation number and a breakdown of my payments. This was to prevent foreclosure. She said to keep doing that since it was the advice of my attorney, She did agree the Bankruptcy Department was wrong. Also because the way the Bankruptcy Department has my loan coded, it will never be reported to the three Credit Bureaus. I explained this was not helping my FICO score but again the Bankruptcy Department Department is a different entity. I told her I filed a complaint with the XX/XX/XXXXbecause Rushmore had so many complaints about their Customer Service and Rushmore. She said she was sorry and that was all the help she could give me.
On XX/XX/2020, I called the Escalated Customer Service Department to ask about a check I received on XX/XX/2020, I received a check from Rushmore 'FOR PAYMENT OF ESCROW TO MORTGAGOR ''. I thought the Bankruptcy Department was sending me a check because they were no longer going to pay my Real Estate taxes anymore. I was told Rushmore really did have me pay more. With my XXXX payment, I would only pay {$650.00}.
On XX/XX/XXXX, I received an ANNUAL ESCROW ACCOUNT DISCLOSURE STATEMENT AND CHANGE OF PAYMENT NOTICE PREPARED FOR my loan number with an analysis date of XX/XX/2020 ; Because of the way loan is coded ( inactive loan ) by the Bankruptcy Department, I can not access my loan online to make payments or find out any information on my loan. I have to call the automated service to pay my loan and exit out of the automated system to get a customer service representative.
I do not care about the Reaffirmation agreement because according to an article my attorney sent me it is best not to sign a Reaffirmation agreement as long as I keep making my payments. I would like to have my payments sent to the three Credit Bureaus to help with my FICO score. Because of the Bankruptcy, I was told my the Mortgage Loan department of my Bank, it would be 18 to 24 months before I could get a new loan but the increase in my FICO score would go a long way in shortening that time period.
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| 03/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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in XX/XX/XXXX we applied for the HARP Program and were approved. was the typical 2 % start to 5 % after 6yrs. all was going great until XX/XX/XXXX when our current mortgage company at that time ( XXXX ) sold our mortgage to ( XXXX ) but didn't inform us.
we fond out when we started getting letters from ( XXXX ) that we were behind in our payment and if we didn't catch up our house would be foreclosed on. we were like what so we called ( XXXX ) to find out what was going on. after being shuffled between numerous agents and getting no where they said they no longer owned our mortgage and we would have to talk to ( XXXX ). so we did and thet said we needed to pay the back months owed plus interest or they would have to forclose on our mortgage.
we told then we had been making the payments to ( XXXX ) and cant you get it from them sense we paid them. we started paying ( XXXX ) and they accepted it for a cpl months as we tried to get ( XXXX ) to give up the money to ( XXXX ). ( XXXX said they were able to get part of what they had but not all and that if we didn't catch up they would start the foreclosure on us.
we contacted a lawyer ( XXXX XXXX XXXX XXXX ) XX/XX/XXXXafter explain what was happening they agreed to assist us while they were working on this my father had become severely ill in the XXXX and we had to go there. We explained to the lawyer ( XXXX XXXX XXXX ) that we had to go to the XXXX and our friend would be handling anything that needed if we were unable to from the XXXX.
The mortgage company XXXX XXXX XXXX agreed to what ( XXXX XXXX XXXX XXXX ) asked for which was Take what was in the rears and put it at the end of the loan take the loan to 40yrs at a 2 % interest.
They sent the document to our friend as they couldnt get it to us, he called us and ready it to us and I asked him to please send an email to the lawyer ( XXXX XXXX XXXX ) and specifically ask if what we are reading was correct 40yrs at 2 % which he did and they came back saying YES so we said ok.
They wanted it signed before we came back from the XXXX which was in 4 days but there was no way we could so we had my friend ask for and extension fir 1 week until we got home ( XXXX XXXX XXXX XXXX ) agreed.
As soon as we got home we signed the papers and sent them back to get this over with, but being so jetlagged we forgot to make copies so now we are assuming we are all set for the rest of the time we own this house.
Now its XX/XX/XXXX and ( XXXX, XXXX ) has once again sold our mortgage this time to ( Rushmore Loan Management ) Now it is XX/XX/XXXX and we are getting letters from ( Rushmore ) and getting phone calls that we are in default on our mortgage because or interest rate has gone to 3 % then a few months later it has gone to 5 % So we called and was like what is going on they said the interest rate has gone up and we are like no we had a lawyer fix it back in XX/XX/XXXX to a 2 % for 40yrs and they stated they dont see that. And if we dont catch up we would be foreclosed on again we got scared and found a lawyer to assist us XX/XX/XXXX. This lawyer name is ( XXXX XXXX XXXX ) and they asked for {$4500.00} to fix it and we can pay in 3 instalments of {$1500.00} we said we cant afford that and XXXX from ( XXXX XXXX XXXX ) stated what most people do is not pay the mortgage and pay them instead we agreed and setup for them to auto debit our checking account {$1500.00} on a certain day each month, and they started to work on fixing us. On the 4th month I called and asked what was up with our case and XXXX from ( XXXX XXXX XXXX ) stated that they did not receive the last payment of {$1500.00} and I said yes you did my bank has already debited it. He asked me to send him a copy if the bank statement to show this. And also between XX/XX/XXXX and XX/XX/XXXX they decided to debit from my checking account {$490.00} which I did not authorize and when I called and actually got to talk to someone ( XXXX XXXX ) he stated that its on the contract I signed in the beginning I said I do not remember that and would you please send me a copy of that which I never received, four times or 5 times so my total I paid for this was {$6500.00} to {$7000.00} I sent it to him and he checked with their accounting dept. and said he was sorry but they would have to start over and would get right on it. ( XXXX XXXX XXXX ) asked for documents like last 3 months of our pay stubs, checking account, last 2 yrs of our income tax. We sent it all to them. I would call on occasion to see where we were and they would say working on it but they needed more pay stubs, checking account information this went 0n for a cpl months.
Now it is the end of XXXX and they said they were waiting on ( Rushmore ) to reply to them. The end of XXXX we got an email with what they called a Loan Modification that ( Rushmore ) sent them, of a 3month payment of {$2800.00} and as long as we paid that onetime each month we would be ok and then we would get the % interest and monthly payment we would have to pay for the rest of the loan.
I emailed back asking why a loan mod as we were not asking for that just asking them to continue the agreement from XX/XX/XXXX. ( XXXX from Rushmore ) and how can {$2800.00} help us as we have been paying {$1600.00} for the past 7yrs and how can they be saying that is helping us. ( XXXX from Rushmore ) stated that we should accept this as that is the best they can do.
This was the first part of XX/XX/XXXX I said NO we do not accept this and I want to take them to court, she said that would be a litigation I said thats fine lets make it happen as we will not accept what they are asking, she ( XXXX from Rushmore ) said ok they will get back to me.
I gave it a cpl weeks figured it is the XXXX and XXXX XXXX holiday and contacted by phone and email ( XXXX, XXXX and a man named XXXX from Rushmore ) in XXXX no answer. This went on for a month of many calls and emails with absolutely no answer from ( XXXX, XXXX and a man named XXXX from Rushmore ). I was getting very frustrated and nervous.
Then in XXXX we started getting calls from other Real a state people and other lawyers saying that my house was in pre-foreclosure and I like what Again many emails and phone calls to ( XXXX, XXXX and a man named XXXX from Rushmore ) no answers and getting the letter in the mail that yes we were in foreclosure with a sale date of XX/XX/XXXX so here we are now hoping that this will help us to get this resolved.
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| 04/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I am writing to officially lodge a complaint against Rushmore Loan Management Services. It is in reference to loan # XXXX for the property of XXXX XXXX XXXX, XXXX XXXX, NY XXXX Section/Block/Lot XXXX.
Rushmore Loan Management Services has been derelict in its duty to pay my real estate taxes to the XXXX of XXXX XXXX. This is despite the fact that my mortgage account is current and has never had a late payment. My property taxes for my home are now considered delinquent. In addition, Rushmore Loan Management Services has denied my request to cancel my escrow account while they fail to maintain their obligation to pay them. Simply put, Rushmore Loan Management Services refuse to pay my real estate taxes in a timely manner while also preventing me from taking on the responsibility that they have neglected. My attempts to remedy this situation with this company has failed and I am in desperate need of assistance.
Rushmore Loan Management Services ( RLMS ) mailed me and escrow analysis on XX/XX/XXXX. In retrospect, this statement shows that the XX/XX/XXXX school tax was never paid. Please see attached Document # 1. At the end of XX/XX/XXXX, RMLS sent me an escrow refund in the amount of {$5600.00}. I promptly deposited the check, but I was suspicious that something was wrong. Then in early XX/XX/XXXX, I closely examined my RLMS online escrow account details. Please see attached Document # 2. This is when I crosschecked my XX/XX/XXXX escrow analysis with my online escrow account details to discover that my XX/XX/XXXX school taxes were delinquent.
On XX/XX/XXXX, I went in person to the XXXX of XXXX XXXX XXXX Department. I paid the missing school tax and the penalty interest of {$400.00} for a total of {$6100.00} with my XXXX XXXX check # XXXX. Please see attached Documents # 3A & 3B. While at GC City Hall, I was given the XXXX Tax Bills for the School Tax, City Tax and County Tax. Please see attached Document # 4. These tax bills revealed that the 2nd half of my school tax was due by XX/XX/XXXX in the amount of {$5700.00}. XXXX, at XXXX XXXX XXXX XXXX, informed me that the XX/XX/XXXX City Tax was also unpaid. According to XXXX, Rushmore paid XXXX XXXX {$2700.00} on XX/XX/XXXX. However, the actual amount owed was {$2900.00}. I was told that XXXX XXXX does not accept any partial payment. Therefore, XXXX XXXX returned the {$2700.00} to RLMS and then added a {$67.00} penalty fee to the XX/XX/XXXX City Tax Collection. Consequently, the amount due increased to a total of {$3000.00}. I am still unsure if RLMS paid this debt.
That same day, XX/XX/XXXX, I called RLMS tax department and I spoke with XXXX. I told XXXX about the missed school tax payment in XX/XX/XXXX. I also warned XXXX that RLMS needed to pay the XXXX half of my school taxes by XX/XX/XXXX in the amount of {$5700.00}. I also explained to XXXX that RLMS needed to pay the XXXX half of my city tax which was due in XX/XX/XXXX in the amount of {$3000.00}. I made it clear that if RLMS didnt pay this amount by XX/XX/XXXX, even more penalties would be added. XXXX assured me that they were working on it and that they would get everything paid.
On XX/XX/XXXX, I called RLMS tax department again to follow up since I never received a call or written notice from them concerning my taxes. I spoke with XXXX. XXXX assured me that {$5900.00} was disbursed from my escrow account on XX/XX/XXXX. Even though my online escrow account details reflect this, the XXXX of XXXX XXXX has not received this payment. Please see attached Document # 9.
On XX/XX/XXXX, I called RLMS and spoke with XXXX. I asked about my reimbursement for the {$400.00}. I also asked to cancel my escrow account. XXXX told me to make those requests online. And, I did. Please see attached Documents # 5A & 5B and Documents # 6A, 6B & 6C.
On XX/XX/XXXX I received a message from XXXX in RLMS tax department. She stated that she was calling in regard to the taxes. She left me the general telephone # XXXX. When I returned her call that same day at XXXX, I was told by the customer service agent that XXXX was out to lunch, but would call me back. She never called back.
On XX/XX/XXXX I received a letter from the XXXX of XXXX XXXX informing me that my property taxes are now considered delinquent. The letter states that the amount of {$6200.00} is due by XXXX XX/XX/XXXX. If these taxes are not paid, even more penalty fees will be added and my delinquent taxes will be published in the Citys official newspaper, The XXXX XXXX XXXX XXXX. Please see attached Document # 7.
I immediately called RLMS that same day, XX/XX/XXXX. The automated service stated that I had {$6800.00} in my escrow account and that a payment was disbursed on XX/XX/XXXX in the amount of {$5700.00}. RLMS made this disbursement late. RLMS was obligated to make this payment by XX/XX/XXXX as indicated by the city of XXXX XXXX Collection Schedule for Real Estate Taxes. Please see attached Document # 8. Since RLMS failed in their duty to make a timely payment, additional penalties have been added. I then spoke with XXXX who insisted that the tax was paid. I attempted to explain that RLMS paid the tax late which makes the payment of {$5700.00} insufficient since it does not include the incurred penalty fees. XXXX stated that she would initiate an investigation. I then spoke with XXXX who claimed to be a supervisor. She too said that all she could do was start an investigation.
I was then transferred to the RLMS customer service department to determine the status of my request to cancel my escrow account. I spoke with XXXX who informed me that my request was denied. According to XXXX, my escrow account could not be cancelled because a disbursement was due within the next 30 days. I challenged her by informing her, that the next payment should not be due until 6/1/21. Please see attached Document # 8. She said she would initiate an investigation.
I am desperate need of assistance in seeking relief from Rushmore Loan Management Services. First, I need RLMS to pay my delinquent property taxes immediately. I am clearly more capable of paying my real estate taxes in a timely manner. Secondly, I need RLMS to close my escrow account so that I can assume responsibility of fulfilling my real estate tax obligations. Please help me.
Thank you for your time, consideration and assistance in this matter.
Sincerely, XXXX XXXX XXXX
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| 12/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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XX/XX/XXXX Rushmore Loan Management Services XXXX XXXX XXXX XXXX XXXX, California XXXX Dear Rushmore Loan Management Services : RE : Account No # XXXX My name is XXXX XXXX owner of XXXX XXXX XXXX in XXXX, New York zip code being XXXX. Since XX/XX/XXXX, Rushmore Loan Management Services has serviced my loan being XXXXand according to the last update I owe {$3300.00}. Throughout XXXX and XXXX I have been struggling with the financial impacts of the Pandemic. However, I have received an abundance of conflicting notices from the Servicer for example Notices dated XX/XX/XXXX, and XX/XX/XXXX, acknowledging receipt of a completed Home Retention Package in which I do not recall submitting to the Servicer. On a notice dated XX/XX/XXXX I was denied a forbearance plan and on a notice dated XX/XX/XXXX, there was an approval for a forbearance plan.
However, my complaint stems from notices received on XX/XX/XXXX, and XX/XX/XXXX. I entered into a Covid- 19 Relief Forbearance in XXXX of XXXX. Subsequently, I commenced making regular monthly payments in the amount of {$330.00} to the Servicer from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX. My circumstances had been continuously impacted by the Pandemic and therefore required Forbearance extensions.
I have been timely regarding Forbearance submissions and they are as follows : ( On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) for weeks I have been hospitalized due to XXXX related symptoms and therefore could not apply for an extension of the Covid-19 Forbearance for XX/XX/XXXX. Although my XX/XX/XXXX Forbearance submission should have provided a 3-month extension until XX/XX/XXXX. On XX/XX/XXXX, I spoke to a Rushmore Loan Management Services Agent, XXXX regarding my account, inability to extend my forbearance, inability to complete an application that was not legible, willingness to stay in my home, and my hospital stay due to the XXXX. XXXX stated : my account was already in the process of Forbearance, I was not required to complete a Loss Mitigation application at this time, he went over workout options/programs within NYS, and advised me to contact the Servicer on XX/XX/XXXX to confirm the Forbearance extension.
However, the notices dated XX/XX/XXXX, and XX/XX/XXXX, do not reflect any Forbearances and/or workouts as indicated by Rushmore Loan Management Services XXXX XXXX XXXX on XX/XX/XXXX. In addition, the XX/XX/XXXX notice provided a Covid-19 Declaration to sign and date. On XX/XX/XXXX, I emailed the Servicer a completed Mortgagors Declaration of Covid-19 Related Hardship and I understand the Declaration does not expire. The Declarations remain in place until the state of New York lifts the regulation as it pertains to the Pandemic.
I am in receipt of the following notices forwarded by the Servicer Rushmore Loan Management Services forwarded the following dated notices : XXXX. XX/XX/XXXX, a notice indicating the current Forbearance would be ending in the next 30 days, and at the end of the forbearance plan, all outstanding payments would become due. The letter offered additional payment assistance options.
XXXX. XX/XX/XXXX, a notice providing potential assistance options.
XXXX. XX/XX/XXXX, a notice acknowledging receipt of a completed Home Retention Package on XX/XX/XXXX, XXXXand that the Servicer will provide a written determination in 30 days. The Servicer provided additional options available.
XXXX. XX/XX/XXXX, a notice of denial for the Forbearance Plan.
XXXX. XX/XX/XXXX, a notice of approval for the Forbearance Plan. The plan was for 6 months beginning XX/XX/XXXX. The notice provides additional information providing the terms and the position of the Servicer during the Forbearance Plan period.
XXXX. XX/XX/XXXX, a notice indicating the current Forbearance would be ending in the next 30 days and at the end of the forbearance plan, all outstanding payments would become due. The letter offered additional payment assistance options.
XXXX. XX/XX/XXXX, a notice acknowledging receipt of a completed Home Retention Package on XX/XX/XXXX, and that the Servicer will provide a written determination in 30 days. The Servicer provided additional options available.
XXXX. XX/XX/XXXX, a notice of approval for the Forbearance Plan. The plan was for 9 months beginning XX/XX/XXXX. The notice provides additional information providing the terms and the position of the Servicer during the Forbearance Plan period. The Forbearance would end XX/XX/XXXX according to the notice.
XXXX. XXXX -- - XXXX was a notice that was impacted by rain whereas documents were stuck together and content was difficult to read. However, it stated at the end of 30 days something about all payments due.?? and a modification application was provided XXXX. XX/XX/XXXX, a notice indicating Important Mortgage Notice Interest Rate and Mortgage Payment Changes 11. XX/XX/XXXX notice indicating escrow shortage of {$2500.00} and loan in past due 12. XX/XX/XXXX Notice of Default and at Risk of Losing My Home attachment included Mortgagors Declaration of Covid-19 Related Hardship to be signed and dated Currently, my total amount owed to the Servicer is {$3300.00} in which I can not substantiate at this time. I have been provided confusing information from the Servicer. The XXXX notices do not entail any long-term solutions. Rushmore Loan Management Services, XXXX indicated forbearance was in processing and should be finalized by XX/XX/XXXX. In addition, XXXX stated I did not have to complete a modification application at this time.
On XX/XX/XXXX, I emailed the Servicer a completed copy of the Covid-19 Declaration however the Servicers XX/XX/XXXX notice provided an additional, but the same form. On XX/XX/XXXX, I emailed the Servicer completed copies of the declaration from XX/XX/XXXX, and XX/XX/XXXX.
I do not have any documentation to support the income necessary for any workout programs at this present time considering my circumstances. A denial of a modification in conjunction with an oddly low appraisal from XXXX XXXX will result in Foreclosure from the Servicer. Since Im just being released from the hospital, I am seeking fair treatment and due diligence an extension of Forbearance and/or time to get on my feet is necessary during these unprecedented times.
PLEASE DO NOT SEND ANY PAYMENT HISTORY INFORMATION AND ANY OF THE DOCUMENTS I HAVE ALREADY RECEIVED.
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| 07/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I currently have three loans with Rushmore Loan Management Services for investment properties that are all located in XXXX XXXX, Utah. I had filed for assistance in XXXX for assistance due to my financial impact directly related to COVID-19. These filings are evidenced in the emails received on XX/XX/XXXX. While they dont cite the loan number specifically, I have included all three emails showing the unique time received on each one.
XXXX XXXX is a town that is almost entirely dependent on tourism dollars that are generated by skiing, spring concerts, outdoor events, XXXX XXXX XXXX, and mountain biking. The three properties that I own are all dependent on tourist bookings attending these events.
When the early stages of the COVID pandemic hit I saw an immediate drop or cancellation in bookings at all three properties. Relative to the activities within XXXX XXXX ; XXXX XXXX XXXX XXXX and XXXX XXXX XXXX suspected operations in the first week of XXXX for the remainder of the season.
On XX/XX/XXXX, XXXX County issued a ban on all dine-in service at restaurants On XX/XX/XXXX, all ski resorts reported that they would close for the remainder of the season.
On XX/XX/XXXX, XXXX County banned gatherings of more than 10 people.
On XX/XX/XXXX, XXXX County issued stay at home order and asked visitors to leave as soon as possible.
On XX/XX/XXXX, XXXX XXXX suspended most most all public transportation.
On XX/XX/XXXX, XXXX XXXX XXXX XXXX furloughed XXXX employees.
On XX/XX/XXXX, the XXXX of Utah, which spends two days in XXXX XXXX, was cancelled.
On XX/XX/XXXX, the XXXX XXXX Sunday Market was cancelled for the season.
On XX/XX/XXXX, the Deer XXXX XXXX announced the cancellation of its XXXX XXXX series.
These are all key events for the XXXX XXXX economy and primary draws for bringing tourism to town. The concerns over COVID and the cancellation of events had a dramatic impact on my income for the XXXX XXXX.
However, even in the face of major cancellations, I went ahead and made a payment for the XXXX period, which posted on XX/XX/XXXX.
Once the broader impacts of COVID were being realized, there was widespread talk of COVID relief programs. As I was already seeing cancelations, I was in contact with Rushmore on what they would be offering with respect to relief. In the face of a developing situation and no official COVID assistance program with Rushmore, I was advised that Rushmore would not be assessing late payment penalties or reporting late payments to credit agencies in the interim. I still managed to make my XXXX payment on XX/XX/XXXX.
I then went ahead and filed for COVID-19 assistance through the Rushmore website on XX/XX/XXXX. I did a filing for each of my loans on file with Rushmore and received email confirmations of the filing and that Rushmore would respond in 10-business days. Ive attached copies of those emails.
On XX/XX/XXXX I placed a call to Rushmore to discuss the status of my filings since I had not received any further correspondence related to my filing. Nothing in email or in physical mail. I was told that there was a huge volume of requests that had come in and it would take Rushmore more time to process those requests. However, I was told that there would be no assessment of late fees or filings with credit agencies on late payments. I subsequently made my XXXX payment on XX/XX/XXXX.
I then made my XXXX payment on XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, I placed two additional calls to Rushmore that lasted a total of 1hr and 23-minutes discussing my filings and when I should expect to hear something back. I was again told that it would take Rushmore more time to process those requests and that they didnt know why mine hadnt been approved. However, I was told that there would be no assessment of late fees or filings with credit agencies on late payments.
On a final call that week, nearly almost 2-months after I had started the process, I was told that the investor, XXXX XXXX XXXX XXXX, had reversed the earlier approvals that had been granted to my account. There was no reason other than there had been a change to the investor guidelines and that they would need additional information. I was told that additional documentation was being sent via mail.
On XX/XX/XXXX, Rushmore assessed late charges to all three of my mortgage accounts.
On XX/XX/XXXX Rushmore reported my accounts to the credit agencies regarding negative activity. All along, I was told that there would be no filings and no late fee assessments.
As a result of these filings, I place daily calls the week of XX/XX/XXXX to get clarification on the filings, which were contradictory to all guidance I had been getting on the phone since starting the process on XX/XX/XXXX. My calls for the week totaled 1hr and 39-minutes. I have also attached a copy of the call log with this letter. The log reflects calls that I placed directly to Rushmore.
I then made my XXXX payments on XX/XX/XXXX.
Subsequently ; The XXXX payment was made on XX/XX/XXXX The XXXX payment was made on XX/XX/XXXX The XXXX payment was made on XX/XX/XXXX The XXXX payment was made on XX/XX/XXXX On XX/XX/XXXX Rushmore reported additional negative credit agency filings on my account. This in the face of on-time payments for XXXX and XXXX and contradictory to the earlier guidance provided during the entire process of filing for COVID assistance.
I was very active in my communications with Rushmore, and as evidenced by the attached call log, I placed a total of 32 calls into Rushmore and spend 6hrs and 45-minutes on the phone with Rushmore staff trying to navigate the COVID filing process, all while I still continued to make payments on my accounts in the face of significant cancellations across all properties.
At this point, in consideration to all the info above, and the attached info, I had requested that Rushmore Loan Management Services remove the negative credit agency reporting on my loans and was told they don't provide " Courtesy '' corrections. This continues to remain unresolved.
I had also requested that Rushmore Loan Management Services remove the late payment penalty that had been assessed on each of the accounts. This too also remains unresolved.
All accounts have remained current since the XXXX period, but they refuse to cooperate in resolving any of the issues above.
|
| 09/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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XX/XX/XXXX Rushmore Loan Management Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA. XXXX RE : CFPB Case Number Dear Rushmore ... c/o CFPB, Iam in receipt of your document : Reinstatement Quote, theres no date ... I received the document on XX/XX/XXXX, and today, XX/XX/XXXX, I received a Notice of Default and Intent to Accelerate, dated XX/XX/XXXX, in regards to the Account you Purport # XXXX on my property at : XXXX XXXX XXXX, XXXX, CA XXXX.
Why am I receiving this... your Company, already have ALL THE PAYMENTS IN QUESTIONED... this is the 2nd Reinstatement Quote & 2nd Notice of Default and Intent to Accelerate, I have received ... and both times ... you had the pmts. In your possession, before mailing these ridiculous, deceptive, false letters to me. I already told you, IAM NOT IN DEFAULT nor in a DELINQUENT STATUS Its an Error from a previous Predatory Servicer ; you will need to INVESTIGATE this purported account.
Iam Sorry ... your pre-successors didnt investigate, I asked them to, from the get go. If you are NOT GOING TO INVESTIGATE AT MY REQUEST, THEN YOU WILL NEED TO TAKE MY WORD, THIS IS THE TRUTH. BECAUSE, I WILL NOT LET THIS GO, UNTIL ITS CORRECTED GOT THAT XXXX/RUSHMORE!!! CORRECTED.
This does NOT Mean this is a Duplicate Letter, as you insinuate, but wanting correction to an Error. Oh yes, your answer is Always the same answer, that you didnt find an Error occurred. Well, I dont give a XXXX what you think, when I provide BLATANT EVIDENCE that would stand in a Court of Law vs. what you think.
IAM DONE WITH THE XXXXXXXX AND FAIRYTALES ... FROM THE PREDATORY SERVICERS. YALL HAVE FEDERAL AND STATE LAWS TO ABIDE BY.
IF NEEDED, I CAN CONTACT SOMEONE WITH AUTHORITY, TO REMIND YOU.
MY NOTE plainly states : My monthly payment will be in the amount of U.S. {$710.00}. I PAID THE RIGHTFUL AMOUNT DUE, EVERY MONTH.
Per DOT Application of Payments or Proceeds # 2. Except as otherwise in this Section 2, All Payments accepted and applied by Lender shall be applied in the following order of Priority : ( a ) Interest Due under the Note ; ( b ) principal due under, the Note.
So XXXX should have PAID the P & I Payments... instead of holding and Manipulating an illegal Default. The P & I is all you needed.
I ALSO PAID THE TAXES, SO WHAT IS YOUR, XXXX, JUST BECAUSE YOU DIDNT GET, THE ESCROW PMT. FOR 6 MONTHS? NO ONE WAS HARMED, IN FACT, IAM NOT HARMED BY NOT PAYING YOU, THE ESCROW PMT. I RATHER HAVE IT AS SUCH.
IS THERE A REASON WHY ... XXXX PMT. {$710.00} ... IS STILL SITTING IN THE XXXX ACCOUNT? It should have been PAID, 3 months ago. XXXX/Rushmore have been sitting on XXXX pmt. for 3 months, Rushmore sent me a Notice of Default and Intent to Accelerate over this XXXX pmt. when in fact, I did my part, 3 months ago. Its the Predatory Servicer that hasnt done their Due Diligent Job, paying XXXX pmt. Here it is XX/XX/XXXX and XXXX pmt is sitting and waiting. This could be the same thing, that happened to XX/XX/XXXX and XX/XX/XXXX pmt. Sitting and Waiting, in the XXXX Account ... Thats Why pmts need to be PAID when received, putting pmts into a standby account, instead of paying them, is XXXX. I Never Understood it, and still dont understand it. It makes No Sense, to backtrack, something that can be PAID and done with it.
No you Dont Rushmore ... try to dump XXXX payment on me... I had Nothing to Do with the transfer transaction, and XXXX payment was in XXXX possession, on XX/XX/XXXX, and they received the Escrow portion on XX/XX/XXXX, XXXX neglected to pay XXXX payment...
But then, arent you XXXX, with a new name?
I see you have applied {$35.00} to the Late Charges Due. Which pmt are you alleging is XXXX, XXXX? Cant be, nay... XXXX received XX/XX/XXXX pmt. {$710.00} ( P & I ) in their Office on XX/XX/XXXX, along with, {$71.00}. These 2 pmts = {$780.00} were applied to the, Unapplied Funds.
HELLO XXXX received Escrow pmt {$1300.00} on XX/XX/XXXX ... Why XXXX didnt pay All the payments, I dont know. XXXX transferred and passed the pmts. on, to Rushmore on XX/XX/XXXX.
These Predatory Servicers XXXX about how pmts are DUE, on the 1st or your Considered in Default. However, theyre in No Hurry ... to pay the pmts, once they have them. They hold up to XXXX payments...
XXXX pmt {$950.00} was received in Rushmore Office on XX/XX/XXXX ... ( grace period cut off date ) via Priority Mail... pmt. is Not Late. Rushmore did not apply the correct escrow amount of : {$240.00} Rushmore applied {$230.00}.
XX/XX/XXXX pmt {$960.00}... was received in your Company Office on XX/XX/XXXX.
I also sent an additional {$12.00} to be applied to XXXX Escrow Account, RushmorXXXX applied it to the Unapplied, instead.
Rushmore did not apply the correct escrow amount of : {$240.00} for XXXX XXXX. Rushmore applied {$230.00}. These Predatory Servicers ... constantly ignore my request, and DO Whatever they XXXX WELL PLEASE...
I DO NOT WANT THEM SERVICING THIS PURPORTED ACCOUNT!!!
XX/XX/XXXX pmt. {$960.00} was received in your Company Office on XX/XX/XXXX. Total pmts sent to you and amounts in your possession : {$3800.00} REINSTATEMENT QUOTE. NOTICE OF DEFAULT XXXX pmt. {$940.00}. {$940.00} XXXX. pmt. XXXX XXXX XXXX pmt. XXXX. XXXX XXXX pmt. XXXX. XXXX Total. you {$3800.00} {$3800.00} have. XXXX. XXXX XXXX. XXXX XXXX.
$ XXXX {$2600.00} ... ( {$2000.00} is the Escrow from XXXX ) someone had to do it. Money is missing from this Purported Account, from XXXXIm protecting, My Interest from the, Predatory Thieves.
Yall are trying to manipulate something Deceitful ... like a, Default >Foreclosure ... NO CONSENT GIVEN, IMPLIED OR PRESUMED.
Rushmore, you provided, XXXX pmt. history that ended with the date of, XX/XX/XXXX. There is another printout, that ends with XX/XX/XXXX ... this is the One, where XXXX states, on XX/XX/XXXX : Late Charges Waive, {$210.00}, the Late Charges Column Amount : {$210.00}, the Balance Column : {$0.00}.
Rushmore Im still waiting for, a copy of your servicing agreement, authorizing you as the Servicer, and the chain of endorsements, from the inception to present, I need verification of the rightful owner... XXXX pmt, is coming up real fast... No proof, No payment.
Rushmore, show your cards, I Need Full Disclosure here.
Sincerely,
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| 09/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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XX/XX/XXXX. XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Dear Complaints Dept : RE : Complaint against Rushmore Loan Management Services 1. This letter serves as a complaint against Rushmore Loan Management Services located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California zip code XXXX. ( Investor of the loan as of XX/XX/XXXX XXXX XXXX and XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa zip code being XXXX ) My complaint stems from the following : A. No Finalization regarding Covid-19 related Modification B. Threatening Foreclosure regarding an Undisclosed and Unforeseen Debt C. False credit reporting D. Misleading the Consumer 2. My name is XXXX XXXX and I am the owner of XXXX XXXX XXXX in XXXX, New York zip code XXXX. On XX/XX/XXXX Rushmore Loan Management Services became the Servicer of the account. The account number is XXXX.
3. During the commencement of the Pandemic I endured financial issues and required forbearances which the Servicer provided. In XX/XX/XXXX upon the conclusion of the final forbearance, I applied for a modification. The process took approximately 4 5 months to complete. I stayed in contact with the Servicer during this period to ensure the process would result in an approved modification.
4. On XX/XX/XXXX, I spoke to XXXX Attorney XXXX who advised he was sending 2 agreements a balloon payment and modification agreement. In addition, he stated that a payment was required for XX/XX/XXXX in addition to the agreement. I immediately disputed his requirement due to the fact I was still in the modification process during XX/XX/XXXX and during that particular time still transmitting documents to the Servicer. Most importantly, I had not received any notification the modification application was approved in XX/XX/XXXX. XXXX Attorney XXXX advised that he would update the agreement and forward it to me.
5. On XX/XX/XXXX, I still had not received the revised documents but recovered the initial agreement XXXX Attorney XXXX advised he sent. I signed the Balloon Payment potion of the agreement and provided a money order in the amount of {$330.00}. On XX/XX/XXXX, I conducted a follow-up with XXXX XXXX XXXX who advised nothing else was needed. Subsequently, I finally received the XXXX alleged revised agreement from XXXX Attorney XXXX. On XX/XX/XXXX I contacted XXXX and spoke to XXXX XXXX whom advised me to send 2 copies of the modification agreement to the Servicer and retain 1 copy for myself.
6. On XX/XX/XXXX, I contacted the Servicer regarding an update and if taxes were included in payments. I spoke to XXXX XXXX XXXX who advised payment of {$330.00} was due, that property taxes are included, and advised me to send the revised agreement. On XX/XX/XXXX, I signed, and notarized the revised agreements, provided a payment of {$330.00}, and forwarded them back to the Servicer via XXXX XXXX.
7. On XX/XX/XXXX, spoke to XXXX XXXX XXXX again who advised the same as XX/XX/XXXX. Subsequently, I received notification the Servicer required the wet copies of the agreement in order to pursue processing. I immediately rectified the matter and provided the Servicer with all wet copies along with a letter acknowledging my error. On XX/XX/XXXX, spoke to XXXX XXXX XXXX who provided an update that the modification process was basically in its final stages and there was nothing required from me. In turn, I advised him I was sending a payment which the Servicer received and applied on XX/XX/XXXX.
8. Subsequently, I received a YOU MAY BE AT RISK OF FORECLOSURE notice stating as of XX/XX/XXXX my home is 107 days and {$380.00} dollars in default. ( SEE ATTACHED ) 9. In conclusion, I am shocked and appalled by the Servicers fraud, misleading tactics, misrepresentation of the modification agreement, a charge of {$380.00}, 107 days past due, and risk of foreclosure notice. However, there was never any mention of the said amount. To this date, I have yet to receive the Covid-19 based modification from the Servicer. I have no documentation confirming the Servicers mutual agreement.
10. I have spoken to XXXX Reps XXXX XXXX, XXXX, XXXX, XXXX, and their attorney XXXX after the modification process had concluded on my behalf regarding a follow-up on the process and required payment no one has advised of payment past due. Where would this mysterious amount being 107 days late transpire from? I was in constant contact with the Servicer why wasnt this outstanding amount ever mentioned? I never received notice of the amount within 30 days or even 60 days. I was never given due process regarding the debt before it became 107 days late which has severely impacted my credit.
11. The Servicer is clearly on a secret witch hunt in their numerous attempts to foreclose on my property. The Servicer seizes the opportunity to provide me with a fresh start. The Servicer provided many challenges in order to obtain a modification due to Covid-19. The Servicer had me owing a monthly payment of {$330.00} due for XX/XX/XXXX when the modification process was ongoing at the time. I was advised by the Servicers attorney they were going to rectify any amounts due for XXXX and provide an agreement where payment would be due for XX/XX/XXXX.
12. I do admit owing the Servicer the difference regarding the XX/XX/XXXX increase whereas I provided a payment of {$330.00} and the amount due as of XXXX was {$350.00}. However, this error was caused by their representatives who advised me to make the same payments. I do not agree with the {$380.00} in default and the 107 days past due.
I m seeking this matter to be rectified and do not wish for the Servicer to provide me a XXXX response containing notices/statements previously received. I do not wish for the Servicer to provide billing history, addendums, and agreements already received. I am, seeking their false credit reporting be dismissed due to not providing any facts or basis for the debt. In addition, I am seeking the official modification documents mutually agreed by all parties for my records.
Sincerely, XXXX XXXX
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| 08/22/2017 |
Yes |
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- Trouble during payment process
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Web |
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We are filing a consumer complaint against our previous mortgage lender XXXX XXXX for violation to the National Mortgage Settlement ( NMS ). This settlement prohibits lender abuse during the application process of applying for loan modification assistance. As a result of this negligence our family was forced back into foreclosure after having made all 3 consecutive trial payments in adherence to our trial agreement.
We applied for a loan modification in XX/XX/XXXX after a lengthy review period, our loan was accepted for trial payments under the HAMP Streamline loan modification program onXX/XX/XXXX We subsequently made 3 trial payments in the amounts of {$590.00}. The payments posted with XXXX as follows :XX/XX/XXXX{$590.00} XX/XX/XXXX {$590.00} and XX/XX/XXXX -- - {$600.00} ( Exhibit A Trial Modification Dated XX/XX/XXXX ) ( Exhibit B Proof of Completed Trial payments ) On XX/XX/XXXXthe Federal Housing Finance Agency ( FHFA ) announced a program designed to help borrowers save their homes. The Streamlined Modification Initiative provides an efficient, no-document way for certain delinquent borrowers to obtain a permanent loan modification As of XX/XX/XXXX, mortgage servicers must identify eligible borrowers and send them an offer letter that states the terms of the modification, including the monthly payment required for a Streamlined Modification. Upon receiving the letter, the borrower can simply submit the modified payment to begin the trial period.
The borrower must successfully complete the three-month trial period to obtain a permanent modification. If the borrower makes the three payments on time, the mortgage will be permanently modified. However, if the borrower misses a payment during the trial period, he or she will not be eligible for a permanent modification under the program ( though another foreclosure alternative may be available Servicer shall promptly send a final modification agreement to borrowers who have enrolled in a trial period plan under current HAMP guidelines ( or fully underwritten proprietary modification programs with a trial payment period ) and who have made the required number of timely trial period payments, where the modification is underwritten prior to the trial period and has received any necessary investor, guarantor or insurer approvals. The borrower shall then be converted by Servicer to a permanent modification upon execution of the final modification documents, CaseXX/XX/XXXXXXXX Document 1-6 Filed XX/XX/XXXX Page 108 of 291 Case XXXXXXXX Document 10-1 Filed XX/XX/XXXX Page 17 of 200 A-17 consistent with applicable program guidelines, absent evidence of fraud. B. Dual Track Restricted.
After the mortgage trial payments were collected by XXXX we received no decline letter as to why the modification had been cancelled, nor were any of our trial mortgage payments returned to us. This is the same type of abuse which led to the NMS, and the multiple lawsuits against XXXX for lender abuse.
Furthermore XXXX has also failed to adhere to a settlement conference, which is a face-to-face meeting with the lender to work out a foreclosure prevention agreement. ( Ind. Code XXXX XXXX XXXX ) My wife and I represented ourselves Pro Se and originally attended our first hearing for these mandatory meditation hearings early in the spring of XX/XX/XXXX, under Case No. XXXX, in XXXX County Circuit Court. We carried on a full discussion with the Judge XXXX XXXX as well as the attorney XXXX XXXX XXXX which represented XXXX XXXX regarding our desire to retain ownership of our home.
It turns out that we were missing several documents which better outlined our financial situation and our hearing date was rescheduled forXX/XX/XXXX at XXXX XXXX and we were instructed to return with the necessary documents which would definitively define my earnings at the time. Two days or so before our new hearing date was supposed to be conducted we received a letter from XXXX counsel stating that our hearing date had been canceled. When we inquires as to why this was done, we were told that it was because we failed to communicate with their office what our intentions were. This statement within itself was preposterous and misleading to say the least. Since our loan is FHA and government insured we theorize that XXXX is only interested in foreclosing so that they can file a Foreclosure Claim with FHA. Further, we were also overlooked and not offered the FHA Pre-foreclosure Sales Program which would allow us to sell our home and use proceeds to satisfy the mortgage debt, instead XXXX would prefer to defraud the U.S. government and take advantage or abuse our homeowners rights in the same process which are deemed as direct violations to 'Real Estate Settlement Procedures Act ( RESPA ) ( 12 U.S.C. 2601 et seq. ) Regulation X.
( Exhibit C Order Re-Scheduling Hearing ) We feel that XXXX has also colluded with our new servicer name Rushmore Loan Management Services ( RM ). On or aboutXX/XX/XXXX, our loan was transferred to a collection agency by the name of RM, with absolutely no notice which are also violations to 12 CFR Part 1026 ( Regulation Z ) RESPA. Again we feel this collusion is for the purposes of stripping all positive equity form our home as well as foreclosing so that they can file a Foreclosure Claim with FHA. Moreover when our loan was originated it carried an interest rate of more than 12 % and both XXXX and RM, are reaping the benefits this early on abuse. RM, has offered no type of options for us to avoid foreclosure, in fact when we last spoke with them on XX/XX/XXXX we were advised by XXXX at XXXX XXXX because our loan was just received one month ago they do not show that we made any payments toward a loan modification nor do they see that we were ever approved for one inXX/XX/XXXX. In fact she went on to say that our loan was approved for foreclosure the same exact month that we were approved for modification assistanceXX/XX/XXXX She also advised us that we had a private investor which is false, our investor is FHA.
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| 08/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American, Servicemember |
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I have been requesting a loan modification for my rental property located in XXXX, XXXX since XX/XX/XXXX from the Rushmore Loan Mgt Services LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX CA XXXX ( Rushmore ). The tenants were affected by the XXXX pandemic and were unable to pay the rent since early XXXX. They have since recovered, started working again and have made a rental payment on XX/XX/XXXX and have assured me that they will continue making timely payments. I have placed this money and any future rental payments received in an escrow account to be used to satisfy any future loan modification agreement.
My decision to seek help from ( Rushmore ) was based on their information provided on their web-site to seek assistance from their company in times of the Covid-19 pandemic. I followed all their guidelines in submitting a Borrower 's Assistance Application to include a hardship letter, financial information, tax return, current bank statements, etc. I provided any additional information they requested during the last four ( 4 ) months on a timely basis. I have had more than 50 contacts with ( Rushmore ) via phone, fax, letter and email requesting status or providing additional information in regard to my request for a loan modification. It seems that once I provided their requested information, they would ask for another document. They made some requests for duplication information that was already sent. Not discouraged, I sent them everything they requested in a timely manner, even the duplicate information.
In the latter of XX/XX/XXXX, ( Rushmore ) advised me that the XX/XX/XXXX submission of my Borrower 's Assistance Application was out of date and that they would require an updated application.
On XX/XX/XXXX, I contacted the Pa. XXXX XXXX XXXX XXXX XXXX and in conjunction with Ms. XXXX XXXX - XXXX who is the Executive Director, we submitted an updated Borrower 's Assistance Application to ( Rushmore and their attorney, XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ). All my financials were reviewed by Ms. XXXX and she determined that based on my income, I was able to make the rental payment for this property. ( XXXX ) knew that I was seeking a Loan Modification but is still pursuing foreclosure proceedings. I believe this action is premature and I have advised the Pa. XXXX County Court of this action.
Once again, ( Rushmore ) asked for additional information on many occasions as late as XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which I submitted in a timely manner. It appears, in my opinion, that there is a pattern developing that would lead me to believe the ( Rushmore ) is taking any means to deny my request for a Loan Modification.
It also appears that ( Rushmore ) is attempting to foreclose on my property without any due consideration of my Loan Modification request. They have hired a lawyer ( XXXXXXXX ) who filed foreclosure briefs to the XXXX County Pa. Court. I have contested their legal briefs to the Court on XX/XX/XXXX and XX/XX/XXXX and provided my objections which have been accepted by the Court. I requested that any foreclosure action be withheld until my Loan M
odification is approved by ( Rushmore ).
( Rushmore ) per phone conversation of XX/XX/XXXX and XX/XX/XXXX advised me that since the case was in litigation, I should speak to their attorney ( XXXX ), which I have and submitted additional information on XX/XX/XXXX.
( XXXX ) notified my in XX/XX/XXXX of their intentions to foreclose on this property and notified the Pa. XXXX County Court on XX/XX/XXXX of their intentions.
Over a period of close to four ( 4 ) months. I have been attempting to get a loan modification from ( Rushmore ) They seemed to have strung me along after all the documents they requested were submitted. I do not believe that a banking practice should work this way.
I AM REQUESTING THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) INVESTIGATE THIS MATTER.
There has been no foreclosure hearing set and I was given verbal assurance by the Pa. XXXX County Prothonotary Office that no foreclosure hearings are being held within the next several months. This should give ( Rushmore ) plenty of time to review my Loan Borrower 's Application and to provide me a reasonable Loan Modification.
It is quickly approaching the 60 day time limit for expiration of my Loan Borrower 's Application submitted onXX/XX/XXXXXX/XX/XXXX and I would hope that ( Rushmore ) does not once again let my application expire. This would create another pattern of denial/stall tactics by ( Rushmore ).
As evidence that I have the financial ability to meet a new modified monthly mortgage payment for this property, I have a rental property located in XXXX XXXX, AZ that I have rented to my son for the last 15 years. He too was seriously affected by Covid-19 and lost his job in the XXXX XXXX XXXX and did not make a mortgage payment since early XXXX. I initiated a Loan Modification a couple of months ago with the XXXX XXXX Mortgage ( XXXX ) and was granted a trial modification on XX/XX/XXXX. My son has since recovered from Covid-19, obtained a new job, and will be able to meet the requirements of the Loan Modification. I submitted the same financial information that Ms XXXX from the Credit Counseling Center used to determine that I was capable of making the monthly payments on the XXXX property. It took less than two months to approve this Loan Modification.
I want to maintain ownership of this property and have spent a lot of time and acted in good faith in my attempt to obtain a Loan Modification from ( Rushmore ).
I request that ( Rushmore ) provide me a Loan Modification as soon as possible and before XXXX XX/XX/XXXX.
I am a XXXX year old bi-racial male, senior citizen, and XXXX veteran and have experienced many forms of discrimination during my lifetime. I would hope that this experience is not leading in this direction.
I am respectfully requesting that the CFPB investigate this matter and am requesting a quick response.
Thank you, XXXX XXXX XXXX
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| 11/20/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I am filing a complaint against Rushmore Loan Management for mortgage fraud, falsification/misleading and misrepresentation, lack of knowledge, time theft, violation of laws-XXXX/XXXX XXXX guideline, and Contract Alterations without written or verbal consent.
My mortgage was sold from XXXX to Rushmore Loan Management early XXXX. On XX/XX/19, I received a notice from Rushmore Loan Management requesting that I send proof of homeowners insurance listing Rushmore Loan Management as the lien holder, which I confirmed with a representative of Rushmore Loan Management on XX/XX/19. I immediately emailed my insurance agent a copy of the letter asking that they provide the required information to Rushmore Loan Management on my behalf. At XXXX PST, my insurance agency responded to me confirming that the information has been provided and she attached a copy of the information in the email. At XXXX PST, my insurance agency received a confirmation notice that the required declaration page had been received. Since then, I have received monthly statements that reflect the breakdown of what my monthly payment includes. The line items read as follows : Principal $ , Interest $ , Escrow ( for Taxes and Insurance ) $ , Regular Monthly Payments $ , Total Fees and Charges $ , Overdue Payments $ , Total Amount Due $ , Partial Payment ( unapplied ) $ . On XX/XX/19, I received a voicemail from my insurance company stating that payment was refused by Rushmore Loan Management. I immediately contact Rushmore Loan Management and asked why are they denying my insurance payment? They advised that its not included in my contract. I advised that I've had property taxes and homeowners insurance on my loan for 10+ years. I spoke with multiple representatives on this day and finally spoke with someone from Rushmore Loan Management Insurance team. She placed me on hold to research information and then advised that someone had incorrectly adjusted my insurance information which is incorrect and that they will be making the correction and she will cut a check on Friday XX/XX/19 to the insurance company. I asked if this would create an escrow shortage on my file and she said most likely ; I told her that I needed to get this resolved first and then I would address the escrow shortage at a later date once this is resolved. I then email my insurance company to expect a payment which was due to my insurance company on XX/XX/19. On XX/XX/19 at XXXX, I called Rushmore Loan Management to follow up and confirmation everything has been corrected and the representative advised that my insurance payment was denied, stated its not in my contract to pay. While on the phone, I emailed my insurance company of this information. I spoke with XXXX and explained that I had a HAMP modification on this loan which is in place for the life of the loan and requested that Rushmore research this information and get back with me. I also submitted a written request on their website on XX/XX/19 at XXXX - " My loan is fully escrowed in - property taxes ( XXXX county ), homeowners insurance ( XXXX ), and PMI. Its been this way since I purchased the home 12+ years ago. On XX/XX/19, I received a letter from your company requesting an updated declaration page. XXXX immediately uploaded this information to your website on XX/XX/19 and a confirmation email was generated and provided to XXXX confirming that the information had been received on XX/XX/19 at XXXX. We have not requested for any adjustments to be made since your company took over our loan from XXXX. This issue was brought to your companies attention on XX/XX/19 at roughly XXXX. The XXXX payment is due today XX/XX/19 for {$830.00}. What is the problem? I need this resolved and not provided with excuses. I expect a resolution within a reasonable time frame. '' On XX/XX/19 at XXXX I received a response from XXXX XXXX stating - " Thank you for bringing this matter to our attention, we sincerely apologize for any inconvenience this may have caused. You may contact our Customer Service Department to regarding this matter of concern. at XXXX Monday - Thursday XXXX XXXX to XXXX XXXX PST, Friday XXXX XXXX to XXXX XXXX PST. ". As of today XX/XX/19 no information has been provided in writing via mail, email, or by website response. I followed up again with Rushmore Loan Management on XX/XX/19 at XXXX, spoke with XXXX with Rushmore Loan Management - she said forced placed insurance letter was mailed to me on XX/XX/19 and XX/XX/19-advised borrower that my insurance company provided the information to them. She confirmed that no forced place insurance has been billed to my loan. She said my contract does not include homeowners insurance. I advised her that I am on a HAMP modification and that it is a requirement to be fully escrowed in-property taxes and homeowners insurance for the term of the loan. I asked that she provide me with black and white/contract reflecting this information.
During this process I have also been in contact with the old mortgage company XXXX on XX/XX/19 and XX/XX/19 - which they have provided me with the information that my loan has always included my homeowners insurance and the information that was sent to Rushmore Loan Management in the transfer.
As you can see, I have been very diligent with staying in contact with my insurance company, XXXX, and trying to work with Rushmore Loan Management. This is coming to the end of week 4 that I have had to spending time discussing, researching, and emailing parties for assistance. I need assistance with getting this resolved. I can provide with a copy of my HAMP modification contract, phone records, emails, and screen shots of website requests.
I will also be filing complaints with RESPA, OIG, Attorney General 's office. I am currently seeking out an attorney but have not retained one at this time.
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| 04/12/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I would like to file a complaint against my mortgage company Rushmore Loan Management for practicing unfair, deceptive and abusive acts today against myself.
On Friday, XX/XX/XXXX I contacted Rushmore to advise I had received an insurance claim check in the amount of {$13000.00} to replace my roof which sustained significant damage during hurricane Irma on XX/XX/XXXX. I spoke to XXXX in the Loss Draft department who reviewed my loan and explained the required steps to have the check endorsed. She requested all the details of the claim which included date of damage, estimate of damage and net payment amount. Based on the amount of the check under {$20000.00} she provided the following steps to have the check endorsed and returned to me : 1. Mail the check to the Loss Draft Department at XXXX XXXX XXXX, XXXX. NE XXXX 2. Include all estimate pages from the insurance company 3. Copy of adjuster 's damage estimate report 4. Claims check unsigned 5. No inspection required due to the amount of the loss 6. Upon receipt of these documents, the Loss Draft department had 48 hours to mail the check back to me either regular mail or in a prepaid priority package On that same day I mailed copies of all required documents, the unsigned claims check and a USPS prepaid priority envelope addressed to me. The envelope was received in the Loss Draft office on Monday, XX/XX/XXXX at XXXX. TodayXX/XX/XXXX at XXXX I received a voicemail on my cell phone from the Loss Draft department requesting a call back to discuss my property claim. At XXXX I called the Loss Draft department and spoke with a rep named XXXX who reviewed my file and stated after reviewing my file it was decided that they could not endorse my check because my account is past due. I was appalled by the false statement because my mortgage is current with the next payment due XX/XX/XXXX. She went on to say I need to speak with the Customer Service department regarding that. I asked why would I speak with the Customer Service department when she should see in their records that I am due for XX/XX/XXXX and she in the department who makes the decision to endorse my check. I requested to speak with a manager and while holding I was disconnected. I called back 10 minutes later requesting a manager, I was connected to a lady name XXXX who claimed to be a supervisor and refused to provide her last name or ID. She claimed she is the only person there by that name. She stated that the claims check was already returned to me unendorsed because I needed to return the check to them endorsed by me along with the completed claims package she will email me because my account was past due at the time of the claim on XX/XX/XXXX. This claim package would include another set of ridiculous requirements in order for them to issue another check to me and the contractors. As well as my account would have to be monitored due to its status when the damage occurred. I requested their policy that states the loan had to be current at the time of damage and she stated I would have to contact customer service. Again that made no sense if they are the department that makes the decision. After insisting she then claimed this was stipulated in the claims package she would email me. I explained I have been appealing this claim with the insurance company to replace my entire roof since XX/XX/XXXX and now finally was approved and received the check. This ridiculous request will further delay the repair of my roof and the internal damage sustained. The next hurricane season begins in six weeks and my roof is in no state to sustain another hurricane. She didn't care and said that is the procedure.
Upon receipt and review of the claims package ( attached to this complaint ), it clearly does not make any reference to the false statement that the loan must have been current at the time of the loss. " It states if your loan is delinquent, the reimbursement funds will be released to you and the contractor ''. I reiterate, my loan is not delinquent. As per page 4, of their process guidelines scenario 2, if the loan is current proceeds will be issued payable to borrower sent via regular mail unless prepaid envelope enclosed. As per screenshots from my online mortgage account, my account is current with payment dueXX/XX/XXXX. The only thing that is reflect outstanding are late fees incurred in the past as a result of a loan modification three years ago granted by the previous loan company, Beneficial who sold this loan to Rushmore Loan. However, these late fees according to the modification agreement do not constitute my account being late and also evidenced by the attached XXXX payment history being reported by Rushmore.
I also have an ongoing complaint with Rushmore who continue reporting an inaccurate balance on my credit bureau reports, I have disputed this twice with the bureaus and twice they have successfully corrected the balance. Yet Rushmore continues to report an inaccurate balance ( screenshots attached ).
This has caused me much frustration and emotional stress as it has already taken me four months appealing this with my insurance company to finally be approved and have a check in hand. To then be abused on the phone by telling me I am late on my mortgage payment then changing their story to state my loan was past due at the time of the loss. Prior to Hurricane Irma 's impact, we were threaten by previous hurricane and then another possibly hitting us after hurricane Irma. I was not focusing on paying my mortgage payment, instead I was focused on securing my property and evacuating my family to XXXX to safety. Upon my return home, I contacted Rushmore for a forbearance assistance which was granted by the government and I kept all requested payments arrangements there after ( evidenced also attached ).
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| 02/11/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Please promptly establish a new single point of contact ( SPOC ) for my account, your SPOC XXXX XXXX lied to us, she is constantly making promises she does not end up keeping. On XX/XX/XXXX XXXX told my prepresentative ( XXXX ) she will email her manager to approve the late fee and will call XXXX back same day before she leave but she never did. This happen over and over, again and again on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX said that she will email both payoff and reinstatement from 2 to 5 business day, on XX/XX/XXXX XXXX again said that she will email XXXX the reinstatement and payoff minus all late charge half hour from XXXX ET that day but she never did. On XX/XX/XXXX she request the proof of funds for payoff. this is a ridiculous request because I try to get the loan modification or i have to sale my property and I do not have proof of fund to show them to get the Payoff Statement. I am at work all the time to make money to save my house, I have agents help to submit loan modification and negotiation with Rushmore, I do not have time to talk to Rushmore and XXXX continued request to talk to me, regardless of my circumstances.
Your SPOC XXXX XXXX did not do what he required to do. I need a new SPOC from now.
Can I request XXXX XXXX XXXX in XXXX, Texas will be my SPOC?
Sincerely, XXXX XXXX XXXX FYI Managing Single Points of Contact Claims The old saying, As California goes, so goes the nation, has never been truer than in the loan servicing industry. In particular, the Single Point of Contact ( SPOC ) statute sets the standard for customer service in the loss mitigation arena that should be used as the benchmark through the country. This is even truer because case law interpreting the Homeowner Bill of Rights is tipping in the borrowers favor. Given the current environment, loan servicers, whether in California or not, would be best served by taking a conservative approach to pinning down issues of SPOC compliance.
In its basic form, the SPOC rules, codified under Civil Code 2923.7, mandate that servicers promptly assign a SPOC to the borrowers and explore alternatives to foreclosure with them, if requested. This seems like a mutually beneficial arrangement because borrowers want to exhaust all options to keep their homes, and servicers wish to have the loan performing again. However, it is often a challenge for both parties because of timelines and documentation requirements.
The legislature enacted section 2923.7 to ensure more transparency in the loss mitigation process and to ensure all loss mitigation efforts were explored before a foreclosure occurred. The legislature also sought to address a common homeowner complaint about being handed off to multiple asset managers, who did not know the loan, which caused the homeowners to duplicate their efforts. At the same time, those borrowers felt there was the threat of a foreclosure looming and no assurance that the servicer would be able to stop the foreclosure while the borrower attempted to submit the required documentation.
When is a SPOC Necessary?
Section 2923.7 ( a ) states : Upon request from a borrower who requests a foreclosure prevention alternative, the mortgage servicer shall promptly establish a single point of contact and provide to the borrower one or more direct means of communication with the single point of contact.
Different courts have different views on when this section becomes operable. One court stated that a lender need only assign a SPOC when a borrower requests one be assigned. XXXX v. XXXX XXXX XXXX, XXXX ( XXXX, XXXX XXXX ) XX/XX/XXXX US Dist XXXX XXXX. Another court came to the opposite conclusion and held that the SPOC must be assigned if the borrower seeks a foreclosure prevention alternative. XXXX v. XX/XX/XXXX XXXX XXXX., XXXX. ( XXXX, XXXX XXXX ) XX/XX/XXXX US Dist XXXX XXXX.
Though there are two opinions, the best option to remain compliant is to assign the SPOC when a borrower requests an alternative to foreclosure. That position is consistent with the plain reading of the statute and would be consistent with the purpose of the statute to offer options to the borrower about which he or she may not know.
What is the SPOC Required to Do?
The statute enumerates the SPOCs responsibilities. The SPOC must be able to : Communicate the loan assistance application process and explain the timelines under which both parties will operate ; Coordinate the receipt of all necessary documents and notify the borrower of any required documents necessary to complete the application ; Access the borrowers status with regard to the foreclosure prevention alternative ; Ensure the borrower is considered for all foreclosure prevention alternatives offered by the servicer ; and Communicate with those who have the authority to stop foreclosure proceedings. Civil Code 2923.7 ( b ).
The fundamental purpose of the SPOC is to be an entry point to the servicers loss mitigation network, which often contains a distressed asset component, a foreclosure component, and an underwriting component. The SPOC is meant to be the one person that can lead the borrower through this network and ensure the borrower is considered for all options for relief.
In addition to the foregoing, the legislature has required a higher level of supervisory oversight. The statute expressly states that the SPOC must refer the borrower to his or her supervisor, if any, upon request. In other words, the SPOC may not be the last point of contact.
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| 09/27/2023 |
Yes |
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- Trouble during payment process
- Loan sold or transferred to another company
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Web |
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My loan carrier was Rushmore Loan Management which was serviced for XXXX XXXX XXXX. XXXX sold my mortgage to XXXX who is subserviced by XXXX in XX/XX/XXXX. Prior to selling my loan Rushmore allegedly issued my escrowed annual homeowners insurance payment of {$2000.00} on XX/XX/XXXX to XXXX XXXX XXXX. In XX/XX/XXXX, I received a letter from XXXX XXXX saying my insurance premium was past due. I immediately contacted XXXX Customer Service and they informed me it had been paid and it was just a delay due to the loan transferring over. I never received any other notifications from XXXX XXXX, so I assumed it had been taken care of. In XX/XX/XXXX, I called XXXX XXXX to check on the renewal rate of my insurance for the upcoming year and was told by XXXX XXXX my policy had been cancelled as of XX/XX/XXXX for nonpayment. I informed them I had no knowledge of this nor had I received any documentation stating my homeowners insurance had been cancelled and that I needed something from them in writing stating this. She then emailed me the cancellation letter and stated my mortgage company had been notified.
I immediately contacted XXXX and they again insisted my insurance had been paid. I went back to XXXX XXXX with this, and they requested a copy of the front and back of the cancelled check or the issued check #, check date, check amount and date it was cashed. Upon speaking with XXXX again, they told me I had to contact Rushmore since they issued the check. Upon reaching back out to Rushmore again they stated since my loan had been transferred, they no longer had access to my files and what was in the system was very limited, but they would transfer my request to a supervisor. After numerous calls between customer service reps, supervisors, emails and online request, I still have not received the check information.
On XX/XX/XXXX I spoke again with Rushmore 's Insurance Dept. and spoke with XXXX XXXX, whos company XXXX is outsourced by Rushmore. After much digging, she told me that due to the loan being serviced released the funds were sent back to XXXX to be applied to my escrow on XX/XX/XXXX. I asked her to please send that to me in writing, which she did. I then called XXXX and when I was finally able to reach a supervisor, she said that they did not receive the funds and if in fact Rushmore sent the payment, I needed to get a copy of the check or the check #! So again, I called Rushmore and again requested the check information and an investigation into this problem. Again, I still dont have the information!
On XX/XX/XXXX XXXX XXXX from XXXXXXXX XXXX returned my call regarding reinstating or issuing me a new policy, because XXXX from XXXX told me to call them and get an invoice for the premium and they would overnight a check to XXXX. XXXX stated that because of the long lapse they could not issue me any policies.
On XX/XX/XXXX XXXX XXXX from XXXX XXXX XXXX called me in regards to my request for an investigation. She stated she was calling to let me know they would be conducting one and if they were at fault they would compensate for it.
On XX/XX/XXXX XXXX called me with the results of their investigation regarding accountability for my insurance not being paid and stated they were not at fault, and they were putting liability only insurance on the house, and Id be responsible for payment. I requested this information in writing and was told they could not do that.
I asked the lady for her supervisor, and she transferred me to XXXX XXXX, who also claimed he couldnt send me any correspondence in reference to the investigation outcome. I then asked for his supervisor, and he stated she wasnt available but had left her a message to call me back. I asked for her name, and he said XXXX. She did call me back, but also stated she could do nothing without the check information from Rushmore. I again requested this information from Rushmore, but to date have still not received the check information or where the money is from my escrow.
I reached out to my previous insurance company, XXXX XXXX to try and get insurance on my house, but they told me because I had a sewage claim with XXXX XXXX in XXXX I am not eligible to get insurance with another company for two years from the date of the claim!
I intentionally escrowed my insurance and taxes so I wouldnt have to deal with things like this! Rushmore sent me a end of year Escrow Analysis Statement and my XXXX - XXXX Tax Statement, which are LEGAL documents, stating that they paid my homeowners insurance. Those documents were issued AFTER they supposedly sent my insurance payment to XXXX. On top of that XXXX, had no clue that my homeowners insurance was not paid until I called them, which means they never followed up on their paperwork once the transfer went through. Also, XXXX XXXX still had Rushmore as the lien holder on my insurance policy, until XXXX changed it in XXXX because of this whole situation. On top of all of thisNO ONE can tell me WHERE my insurance payment of {$2000.00} is!! The money has just vanished!!! Rushmore cant pull up my records which is unbelievable to me since these are legal documents and you are mandated by Federal Law to keep them. The loan department doesnt talk to the Escrow dept, the escrow dept doesnt talk to the insurance department, its a crazy mad circle!! I need HELP! Rushmore and XXXX made this transfer without my knowledge or authorization and now refuse to take accountability for their incompetence!!
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| 12/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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Issue : Possible Forced placed Insurance when Master Policy for Association and condo unit 06 Policy is sufficient.
My mortgage servicing rights with XXXX XXXX XXXX was transferred to a new Servicer which was effective XXXX. I received the transfer letter from XXXX XXXX XXXX on XXXX. The letter stated the servicing of my home loan will be transferred to the new loan servicer Rushmore Loan Management LLC on XXXX. I received a letter from Rushmore on XXXX with the new loan number interim payment coupon and envelope. My previous payments have always been one month ahead. All payments are a cashier check from either XXXX XXXX XXXX or XXXX XXXX XXXX. Payments are being credited without an issue.
The issue : XXXX I received a letter from Rushmore insurance dept., asking for proof of my Condo Assoc. Master Policy. No problem..I contacted Rushmore the same day. I spoke to rep. XXXX agent # XXXX. She stated I could fax the Master Policy right away. I also, let her know I have other insurance in addition to the Master Policy ; meaning my condo unit insurance. She stated just fax the Master Policy only and I should call on XXXX to check the status. XXXX I contacted Rushmore insurance dept. to verify Master policy status. I spoke to XXXX agent # XXXX. He checked and let me know they are having a problem with the Policy showing units XXXX ; the master policy didn't indicate my XXXX XXXX or walled-in on the Policy. The address XXXX XXXX XXXX XXXX, XXXX WA. XXXX is correct except it doesn't show my XXXX or number on the Policy. This association has XXXX units top to bottom, side to side, that covers the two sides of the community from XXXX XXXX to XXXX, which is XXXX XXXX XXXX XXXX. Our Management company is XXXX XXXX XXXX, XXXX XXXX, WA.
Our Master Policy is XXXX XXXX XXXX, agent XXXX XXXX. We have a CC & R which the unit owner is responsible for walled-in that is my Condo Policy, which covers personal possession, perils, theft, hazards, inside structures, special assessments, etc.The master policy covers all outside structures, liabilities, hazards, perils, and between the walls. I have always had condo unit insurance since XX/XX/XXXX when I purchased the condo. My condo insurance has been XXXX XXXX to XXXX XXXX. I have all documents to show no lapse in policy. The Association has always had a Master Policy insurance that is adequate and sufficient. I have never had a problem with the Previous mortgage company XXXX XXXX XXXX.
XXXX I received a second letter from Rushmore Insurance dept. Stating their records show my hazard insurance has expired and they have evidence that I haven't obtained a new insurance. I contacted Rushmore XXXX about the letter I spoke to XXXX # XXXX. I ask her to check on the Master Policy status and if there is still an issue it needs to be either deny or resolved. She checked with her supervisor and stated to me the supervisor could check the property and policy and not to worry they will get back to me. I did not feel good about the inconsistent resolve, the inconsistent interpretation of an Associations insurance policies. This is serious and needed to be resolved correctly. Something didn't feel honest or upfront. I knew it was important I diligently follow up about the issue they are having about the policies.
XXXX I contacted Rushmore and spoke to XXXX # XXXX. I told him they need to have my condo policy also because one of the issues walled-in would be my responsibility which is my condo policy and Why are they having still having problems with the master policy? He left the phone to check on my Master Policy he returned and stated the Policy was OK. I suggested to fax the condo policy the same day. He stated " no '' they check the policies from their department. He requested my condo policy number, Agent 's number and my email. He stated it might take 5-7 days and I would get my response. XXXX XXXX XXXX left a message for me to return their call. I spoke with XXXX the agent at XXXX XXXX. He stated Rushmore insurance dept was having a problem understanding the interpretation of condo unit insurance and how the master policy with the association covers the units. The other party didn't seem to want to hear or could interpret how the blanket coverage works with both policies. They did not request the policy.
XXXX I received the inquiry email stating they attempted to contact my agent and obtain the insurance information and still not received adequate documentation. The inquiry was unsuccessful.
XXXX Faxed a three page letter to Rushmore insurance, also faxed condo insurance policy, XXXX XXXX agents response the, Master policy again, the email from Rushmore 's insurance inquiry. The letter was in regards to continued misinterpretation of both policies, and possible forced placed insurance assessed to borrower when my insurance has adequate coverage. Excuses used by Rushmore insurance dept : Why XXXX units on my master policy. Why the policy does not state walled in? It is not necessary to fax needed information or documentation. Don't need to concern myself about the issue they are taking care of it. Because this is a serious issue and matter and they haven't given me a legitimate reason or reasonable basis to the deny the Associations Master Policy. nor, in a concerned of obtaining the condo policy right away I am very concerned.
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| 07/02/2019 |
Yes |
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- Trouble during payment process
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Web |
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The following account details a series of events that has led to the cessation of my good standing with XXXX and XXXX XXXX as well as a significantly raised premium and subsequent higher monthly mortgage payments. The following details will show that these consequences are of no fault of my own and should therefore be remedied by the party at fault, Rushmore Loan Management Services, LLC.
On XXXX of XXXX, Rushmore Loan Management bought our mortgage loan account from XXXX XXXX XXXX XXXX. The transfer of service went into effect on XX/XX/XXXX, which coincides with the date of our first payment to Rushmore Loan Management Services LLC. We then made timely payments in XXXX, XXXX, and XXXX of XXXX. On XX/XX/XXXX, we received notice from Rushmores Insurance Department that we needed to provide insurance information to Rushmore Loan Services. This was a surprise to me as their initial letter ( dated in XXXX of XXXX ) clearly states that the transfer that took place at that time does not affect any term or condition of the mortgage instruments presumably to include the previous ( and presumed current ) insurance arrangement. Upon further investigation, through calling both the servicing department and the insurance department, we found out that we no longer had home owner insurance at all and that we needed to provide proof of insurance immediately or be fined and then given a mandatory company issued insurance that would cost {$380.00} a year with far less coverage as well as additional penalties for the lapse in coverage. However, Rushmore Loan Management was responsible for issuing a check of {$800.00} for our XXXX insurance premium to XXXX XXXX XXXX XXXX on XX/XX/XXXX and failed to do so, resulting in the lapse of homeowners insurance. After further investigation, it was found that Rushmores Insurance department never received information on our account until XX/XX/XXXX, more than 3 months after they were supposed to have received notice from their servicing department. Timely communication between departments would have indicated that I was a current account with Rushmore Loans but because of their tardiness and miscommunication within the company, the insurance department was unable to issue the check to XXXX XXXX XXXX XXXX resulting in the lapse of our homeowners insurance. After multiple phone conversations back and forth with Rushmores servicing department, insurance department, and XXXX XXXX XXXX XXXX company, it was found that our homeowner insurance had lapsed in XX/XX/XXXX and our home was uninsured for the following five months until the insurance department at XXXX got notice of our account and flagged that we were without insurance. Because of this five-month lapse and failed payment in XXXX of XXXX we had to become new customers with our insurance company, losing all previous discounts that we had acquired over our loyal five-year relationship with them prior to this mistake. The result of this is that our premium was raised from {$800.00} a year to {$1700.00} a year.
I made several phone calls to your servicing department and spoke with various employees and supervisors in an attempt to remedy this mistake. Rushmore Loan accepted responsibility for this mistake and we were told that the difference in premium amounts would be reimbursed to us and any and all penalties applied before then or to follow would be waived and reimbursed as well. It was to my understanding that on XX/XX/XXXX that all had been taken care of and was in a completed status. In XXXX of XXXX I spoke with your servicing department to follow up on the activity on my account and was walked through the numbers on the account and made to believe that it had been remedied but was still in the process of being completed and that a supervisor would contact me to further discuss the transactions. I continued to make payments over the next few months and assumed my account was up to date because I had not received any other letters indicating otherwise and the few phone calls that I made in an attempt to follow up reassured me that everything had been rectified. I received another letter on XX/XX/XXXX indicating that I still needed to provide proof of insurance and when I called to follow up, I was again reassured that it was a mistake, and all had been taken care of and my account was in good standing. Each of these calls were made on a recorded line from your company and with notes from the caller that you can refer to for assistance.
On XX/XX/XXXX, I logged into Rushmore Loans to make my monthly payment and found that my regular monthly payment had risen by {$120.00}. When I called to inquire what was going on and why my payment had risen I was told that there was an escrow analysis done on my account and my insurance premium had risen from the year before and therefore my monthly payments rose too. I was on my way out the door to catch a plane out of the country for the next nine days and informed the person I spoke with that I would handle it when I got home because it was apparent that my insurance problem had not been fixed and I was being made to pay for the mistakes of Rushmore Loan Services.
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| 04/05/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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My mortgage loan transferred from XXXX XXXX to Rushmore loan Management Services LLC on XX/XX/2019. At the time I was only one month behind in my mortgage but due to an escrow problem on taxes I was unable to make the payment because the amount was not correct and I was being transferred to Rushmore loan Management Services LLC. As of today I owe XXXX and XXXX payments. I made a payment with Rushmore loan Management Services LLC on XX/XX/2019 at XXXX in the amount of {$520.00} with my account number through XXXX XXXX XXXX XXXX as instructed by the company. The attached letter shows it in writing that I can send my payment that way. I paid an additional {$9.00} for money in minutes. I called Rushmore loan Management Services LLC as soon as I made the payment and reported the mtcn number to the representative. The representative stated the payment would post by the end of business day since it was made before XXXX XXXX. as their website States as well.. it is now XX/XX/XXXX XXXX p.m. and I called Rushmore loan Management Services LLC and they told me it could take up to 4 days to post. I told them that was against the law I paid extra money to get it to you as you instructed and you're not accepting my money from XXXX XXXX. I have been hung up on numerous times while trying to call Rushmore loan management Services LLC. I spoke to a supervisor named XXXX at XXXX this morning in regards to that payment and why it has not posted. I'm told again it could take up to four days which is really an ACH a routing and account number transaction not a XXXX XXXX XXXX XXXX XXXX in minutes I paid extra for. I spent 5 hours of my time yesterday trying to find out the correct information in regards to the payment I sent. I spoke with a representative XXXX XXXX on XX/XX/XXXX the day I made the payment late before they closed and she stated it would post by the end of business on XX/XX/XXXX. XXXX also told me she would give me a call today by end of business day with an update on my payment. I have yet to receive that phone call I am told I have an assigned single point of contact named XXXX who has never called me. I had a cease-and-desist on my account and I sent XXXX via email the right to lift the cease-and-desist and I still have not received a call from my single point of contact that I just found out about today whose name is XXXX and his number is XXXX - XXXX - XXXX in which I got voicemail. I have received false and misleading information from this company, I have been hung up on numerous times, I feel they are sabotaging my mortgage and trying to throw me into foreclosure. I told the representative I had XX/XX/2019 payment as well but I was afraid to pay because you won't post the payments. The representative keep saying I owe three months and until it post that's what she has to tell me even though they are able to call XXXX XXXX hit option as receiver and verify my funds very easily in which they refuse to do so I told the representative I was 1 month behind when I transferred and due to their in accuracy, unprofessionalism, and refusing to post my payment is pushing me into foreclosure. The representative said they have a cash Department that posts the payments and that they are behind. I told the representative that is not my problem and that you have no right to hold my money and not post it. I also was given an email address to send my revised tax information and a picture of the XXXX XXXX receipt in which I did XX/XX/2019. XXXX told me she would give me a call today XX/XX/2019 and verify that the payment was posted and I never received that phone call.. I just got off the phone with XXXX XXXX tracking my payment and Rushmore loan Management Services LLC still has not accepted the money. I just got off the phone with a representative at your company the Consumer Financial Protection Bureau and he stated I definitely need to file this complaint definitely ASAP. I am sending an attachment of a letter from Rushmore loan Management Services LLC showing proof of the quick collect at the bottom of the page showing code City and code state. I have also attached the XXXX XXXX receipt payment as instructed by the representative I talked to at the Consumer Financial Protection Bureau. I told the representative Rushmore loan Management Services LLC that it was money in minutes and I paid for that all she can state is doesn't know when it'll post but it should within 4 days. The representative at the Consumer Financial Protection Bureau stated if they try to throw me into foreclosure by filing this complaint and sending you the proper documentation it would not hold. I am absolutely livid to the fact that I can not receive accurate information from this mortgage Servicing Company. I feel they are doing this on purpose and want to foreclose on my home. I'm scared to make my XXXX payment because they don't post the payments. Rushmore loan Management Services LLC are the ones causing me to be delinquent and reporting negative and inaccurate information to the credit bureaus in my name.
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| 12/14/2021 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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Rushmore Management Services supplied no number or name in order to contact and discuss the previous complaint. I had no other options but to file another in response to their inadequate response. The following will break down each of their " reasonings '' based on their review.
First, it's correct, they received the loan from XXXX XXXX XXXX XXXX. in XXXX, which at this time Rushmore should have sent correspondence to both the County/State and Insurance company to ensure proper dispensing of escrow when each was due. Per each NOTICE OF ASSIGNMENT, SALE, OR TRANSFER OF SERVICING letter that is sent when a loan is transferred- the document states the loan does not transfer to Planet Home Lending until XX/XX/XXXX. Therefore up until XX/XX/XXXX, Rushmore was responsible for the loan.
Wording in document states : The date that Rushmore will stop accepting payments from you is XX/XX/2021. If your payments are being automatically drafted from your checking or savings account, this service will be discontinued.
Also, they state we were late with paperwork, again, this is their responsibility as an escrow holder and should have been processed when they received the loan from XXXX XXXX, now trying to maneuver out of responsibility to state the insurance documents were never transferred to them and still showed XXXX XXXX in XXXX is unconscionable. They state a letter was sent, was this sent just to us or the insurance company as well? Should have been both but, they needed us to do their work for them. We did not receive said letter but did speak with an individual ( can't remember whom ) but they did not make us aware of the change in lienholder name. Probably didn't recognize it or because it was moving on didn't care, doesn't matter. This should have been done in XXXX. We also showed verification of an email where we mailed the document on XX/XX/XXXX, they could easily have called the insurance company and rectified the solution. Pursuant to Florida Statute, Title 33, Chapter 501.137 - " Every lender of money, whether a natural person or an artificial entity, whose loans are secured by a mortgage on real estate located within the state and who receives funds incidental thereto or in connection therewith for the payment of property taxes or hazard insurance premiums when the funds are held in escrow by or on behalf of the lender, shall promptly pay the taxes or insurance premiums when the taxes or premiums become due ... '' Also, " If the lender, as a result of neglect, fails to pay any tax or insurance premium when the tax or premium is due and there are sufficient escrow funds on deposit to pay the tax or premium, and if the property owner suffers a loss as a result of this failure, then the lender is liable for the loss ; except, however, that with respect to any loss which would otherwise have been insured, the extent of the liability shall not exceed the coverage limits of any insurance policy which has lapsed. '' Rushmore attempted to blame us for the lapse and late billing, this states they had ample time to take care of the insurance bill, also, our escrow account at the time shows we have the funds ( even so, they would have to make up for it ).
From here, Rushmore failed to notify XXXX XXXX and is attempting to shove this off on them. At least partial responsibility should be placed here. We have no insurance at this point, our roofing claim has been denied as we have no insurance. The Statute also states " If the lender violates paragraph ( a ) and the premium payment is not more than 90 days overdue, the insurer shall reinstate the insurance policy, retroactive to the date of cancellation, and the lender shall reimburse the property owner for any penalty or fees imposed by the insurer and paid by the property owner for purposes of reinstating the policy.
( c ) If the lender violates paragraph ( a ) and the premium payment is more than 90 days overdue or if the insurer refuses to reinstate the insurance policy, the lender shall pay the difference between the cost of the previous insurance policy and a new, comparable insurance policy for a period of 2 years. If the lender refuses, the lender is liable for the reasonable attorneys fees and costs of the property owner for a violation of this section. '' Now, I recognize they are no longer our lender, however, they can work with our current lender to straighten this out and pay. Both for the insurance policy at the end of this year, and the following 2 years and stated, along with the roof.
Should someone like to speak with me and come to some sort of conclusion of respect I am inclined to do so. Not providing a name or phone number and simply the 888 number is extremely disrespectful. I have now also filed with the Federal Trade Commission and the Florida Department of Financial Services.
One other item, due to Rushmore 's paperwork, XXXX XXXX did not send the payment. This begins with Rushmore not sending the insurance company the change in lender information.
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| 02/27/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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We were involved in a load modification with XXXX XXXX, the lender on our home, last year XXXX. Our home was severely damaged due to a broken pipe which mostly destroyed the walls and floors of the entire house, so every cent we had had to be put into trying to save the house. XXXX, the worse insurance company ever to exist, refused to pay. They had absolutely no grounds - nothing to claim was our fault. They just found a way to wriggle out of it in front of an impatient judge. So the damage persisted, from XXXX of XXXX. Since we had troublle paying the mortgage we fell behind and had to apply for a modification. We were approved once but could not pay because not only did we have to pay for repairs but both I and my spouse were unemployed for several months, We have XXXX children to support. We finally got back on our feet and requested a modification at the end of XXXX. XXXX XXXX was about to send it to underwriting when they noticed the hazard insurance was missing. When we called back to give them the hazard insurance, they informed us that they had decided to sell the loan to a well known customer-abusive company called " Rushmore '' XXXX. XXXX XXXX told us to just give the Hazard information to them. We called, and were told that we could ONLY speak with XXXX XXXX, XXXX, and that he was on vacation for two weeks. Unbelievable but true, This was in early XXXX. We had a foreclosure date at the end of XXXX with XXXX XXXX. XXXX 's outgoing voicemail message instructed callers to NOT leave a message, and to call him back on XX/XX/XXXX. This cost us valuable time which Rushmore is going to have to make good on. We were understandably upset at this treatment and demanded to speak to his supervisor, XXXX XXXX. We had hired a short sale specialist who had several interested investors interested in paying cash. All we wanted to do was a short sale and not foreclose to save our credit. XXXX said he would try to help but although he promised to call our short sale rep XXXX XXXX, he did not. XXXX called Rushmore several times daily to let them know he had several investors willing to pay the common appraisal price ( inducing damage ) of XXXX, vetted by XXXX XXXX. Rushmore never returned his call. Rushmore kept telling us that THEY COULD NOT CONSIDER US FOR A SHORT SALE BECAUSE WE WERE WITHIN 37 DAYS, HOWEVER WE WERE WITHIN 37 DAYS *****ONLY***** BECAUSE WE COULD NOT SPEAK TO ANYONE AT RUSHMORE TO START THE SHORT SALE PROCESS AS NOONE WOULD SPEAK TO US BUT XXXX XXXX XXXX Rushmore therefore BLOCKED our ability to be within 37 days and therefore blocked our ability to short sell with interested validated buyers. I called the Government HOPE line and this definitely scared XXXX XXXX because a rep from XXXX got on with me and Rushmore and asked them all the right questions. We were then directed to someone who was new and so incredibly helpful. We were told that XXXX instructed his team to GET ON THIS NOW!!!!!! as soon as he heard that I had government help on the phone. Suddenly we were given instructions, XXXX had the packed with offers all ready and sent it to Rushmore. It was still difficult for him to reach them as they ignored him for days. Finally Rushmore said their investor would only consider $ XXXX ( which would be the price if you did a drive-by appraisal - a real appraisal with the damage inside would lower the appraisal to XXXX ). I used my two adjournments, then on XX/XX/XXXX, my foreclose date, I went to court in New Jersey to ask for a postponement so that we could resolve a short sale, starting with a reasonable appraisal, which Rushmore claimed they had no time to get with the foreclose date coming up. Obviously they could have moved it. We had been informed that Rushmore makes its money through foreclosures so they are considered the worst and have no interest in working with the owner. The judge denied my petition and said the house would be sold that day on XX/XX/XXXX. Then, extremely oddly, the next day I found out that the sheriff sale date had been moved by someone to XX/XX/XXXX. Rushmore ( XXXX XXXX ) denied doing it but we eventually found out Rushmore lawyers did it. They were still refusing the verified appraisal on the house - a value corroborated by several sources, and refused the purchase offers by several vetted investors. They led us to believe they would negotiate during these 30 days given to us as a stay of execution, but they instead did nothing and in fact insisted again that the house was worth full price. Once again we do not have 37 days, we have now lost our investors who would have bought and we will be forced to foreclose on Tuesday for no reason other than they want to cause damage to my credit. Rushmore will receive no more than 350K at the sheriff sale, and if they take less I will sue them. This company has a strong reputation for tormenting homeowners. Please get them to stop this, give us the 37 days we need, accept the true value of the house, and let us find new investors.
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| 01/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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My name is XXXX XXXX and I am the owner of XXXX XXXX XXXX in XXXX, New York. On this date being XX/XX/XXXX, this letter serves as a formal complaint against Rushmore Loan Management Services. Mortgage Account No # being XXXX. My complaint stems from a violation of RESPA Section1024.41 ( c ) ( 2 ) ( iii ) and 1024.41 b ( ii ) I am citing the following : A. Wrongfully Foreclosing B. Refusing to Offer any Loss Mitigation Options, if the Loss Mitigation Application was Incomplete 1. Wrongfully Foreclosing : First, I have applied for Loss Mitigation and have provided the Servicer with all documents/statements in order to approve Loss Mitigation Application. The Servicer has failed to evaluate documents for Loss Mitigation by requesting documents that had been previously submitted and insurance that had been previously placed by the Servicer since XX/XX/XXXX.
Second, The Servicer provided a Notice of Intent to Foreclose dated XX/XX/XXXX less than 30 days of requesting additional documents. The Servicer is requesting {$1000.00} to cure the default by XX/XX/XXXX, or commence with foreclosure proceedings. Timeframe provided on Servicers response letter for Loss Mitigation Application dated XX/XX/XXXX, does not clearly specify the requested document deadline.
Third, I have paid my mortgage in the amount of {$280.00} since XX/XX/XXXX the time period in which the Servicer had received the account from XXXX XXXX XXXX. I had received a modification with XXXX XXXX XXXX in XX/XX/XXXX. In or around XX/XX/XXXX payment increased to {$380.00} and subsequent payments of {$350.00} commencing in XX/XX/XXXX. I have paid mortgage payments in the amount of {$350.00}, since XX/XX/XXXX.
The Servicer did not honor XXXX and XXXX XXXX XXXX attempt to approve /execute a feasible Loss and Mitigation Plan. Instead, The Servicer imposed any/all outstanding debts on the property to the borrower which was presumably to be paid by XXXX XXXX XXXX upon receiving the approved Loss Mitigation Plan. If there were any outstanding debts owed on the property, it was no-fault on the borrower to have monthly payments increase. The Servicers actions to ignore borrowers concerns in past CFPB Complaints in this regard resulted in this current collection of debt process.
2. Refusing to Offer Any Loss Mitigation Options, if the Loss Mitigation Application was Incomplete : First, the lender provided a letter dated XX/XX/XXXX, Servicer requested additional documents for determination for Loss Mitigation. The Servicer requested the following : a ) Three month Profit and Loss Statement b ) Proof of Insurance c ) Recent 3-month bank statements Second, the Servicer never provided any short-term payment forbearance program or a short-term repayment plan based upon an evaluation of an incomplete loss mitigation application.
Closing Remarks : As noted in my provided Hardship Letter, the Servicer is well aware of my past XXXX which has impacted my life in general. Complications of the XXXX had been ongoing. I may be physically fit to carry routine duties one day and the next day maybe in the emergency room. I have medical bills that I am liable for out of pocket.
I have managed to consistently provide mortgage payments in the amount of {$350.00}, although I do not agree as to how my initial Loss and Mitigation Plan was completely disregarded by your institution for mortgage service errors made by the previous Servicer. Therefore why should I require any monies down towards an approved Loss and Mitigation Plan?
I believe that I have substantiated the Loss and Mitigation qualification process. I have provided all documentation only to resubmit the same information. In addition, I have been consistently making mortgage payments which consist of property debts from city and county municipalities. This would also include payments for insurance the Servicer placed on the property, since XX/XX/XXXX. Why should have to pay for additional insurance that I am currently receiving from the Servicer?
If the Servicer believes that I have not fulfilled the Loss and Mitigation process, why have I not received a denial letter and/or helpful options from the Servicer? Although XXXX has its contractual agreements as the Servicer previously provided, they have offered forbearances and is aware they must adhere to certain laws that protect borrowers as well.
The Servicer is aware of my hardship, but requests {$1000.00} in less than 3 weeks to cure a default. The Servicers action with the intent to foreclose, if monies are not received by XX/XX/XXXX will automatically result in loss of the property. I am seeking a fair lawful opportunity to gain an approved Loss and Mitigation permanent plan.
I am attaching the following : Servicer Letter Dated XX/XX/XXXX, Intent to Foreclose Letter Dated XX/XX/XXXX, Lender Placed Insurance Info.
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| 12/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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On XX/XX/XXXX, we received a letter dated XXXX XXXX XXXX from Rushmore Loan Management Services ( " Rushmore '' ) denying our Borrower Assistant Application ( Application ) for loan modification and the reason stated was that current obligations are excessive in relation to income.
We appealed the denial of our loan modification request because the reason for the denial is unfounded and, accordingly, the Loss Mitigation Department failed to provide any genuine or real loss mitigation options to avoid foreclosure or loss of home use, especially in lieu of available COVID-19 mitigation options.
1. We were able pay the mortgage payment ( {$3500.00} ) and monthly expenses until Rushmore, without notice during COVID-19, increased the payment by {$1500.00} resulting in a {$5000.00} mortgage. If Rushmore had kept the payment at the previous amount, we would have been able to continue paying as before without interruption. Indeed, when we continued to pay the mortgage at {$3500.00} amount, our checks were sent back.
2. We identified that we experienced and are currently experiencing financial hardships due, directly or indirectly, to the COVID-19 emergency. I was laid off for a year due to company COVID-19 layoffs and then took a {$63000.00} reduction in pay ( an indirect result of COVID-19 emergency ). Regardless, we found a way to pay the {$3500.00} monthly mortgage during COVID as explained in the Application.
3. To that end, Rushmore took exception by indicating current obligations are excessive in relation to income. We disagreed and maintained that : a. Certain obligations such as student loan payments are currently on hold or frozen until XXXX and we have submitted our loans for forgiveness and/or deferment.
b. Other obligations are not all fixed and are variable in terms of payment. Rushmore already has several months of our bank statements evidencing our ability to pay and we are submitting the XXXX and XXXX XXXX bank statements and our pay stubs for XXXX and XXXX XXXX as well.
Finally, Rushmore indicated that we were not approved for a loan modification Trial Period Plan. We believe that given the opportunity, we would have met the test that we can consistently make our mortgage payment with no issue i
f Rushmore made the payment at {$3500.00} or less. We were doing this prior to Rushmore increasing our mortgage payment to {$5000.00} during COVID. Several issues also arose with the denial of a loan modification : 1. Rushmore 's process required on-going additional information needed for the " package '' that spanned from XXXX through XXXX because the letters were not clear on what was required or added additional documentation.
For example, on XX/XX/XXXX, we received a letter from Rushmore indicating that it needed two items : ( 1 ) A complete, signed, financial statement for all parties obligated on the loan ; and ( 2 ) XXXX TAX RETURNS.
On XXXX XXXX XXXX I called Loss Mitigation to clarify what it needed for items 1 and 2. We believed that we were sending a complete, signed financial statement for the previous submissions. However, to our surprise, Rushmore actually was seeking the fifteen ( 15 ) page Borrower Assistance Application. We mistook the Financial Information on page 7 as to what Rushmore requested. It was unclear throughout the process that the " Financial Statement '' is actually the " Borrower Assistance Application ''.
2. On XX/XX/XXXX, we sent more documents to Rushmore because they requested more information as follows : a. Completed, signed, financial statement for all parties obligated on the loan ; b. Signed and dated hardship letter that thoroughly explains what has caused our inability to maintain current and future payments ; c. One ( 1 ) month pays stubs ; d. One ( 1 ) month bank statements on all accounts ; e. Provided the XXXX Federal Tax return, which was electronically submitted and provided validation that the IRS accepted the return ; f. A letter of authorization to obtain credit report ; and g. Proof of insurance .
However, those documents were previously provided in the second submission on XX/XX/XXXX and Rushmore is now requesting all of them again, including three additional ones. Rushmore now want Proof of IRA Income, Pay stub from XXXX XXXX XXXX XXXX XXXX and the XXXX Tax Extension.
In the XX/XX/XXXX submission, we already provided Proof of IRA Income for XXXX ( Form 1099-R ), the Pay stub that contained the information for the time period requested, and the XXXX IRS Tax Extension . To that end, Rushmore twi
ce required information regarding self-employment, which neither of us are.
This constant change of requirements and adding of documents extended the time for submitting the Application from XX/XX/XXXX through XXXX XXXX XXXX
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| 11/25/2019 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
Older American |
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XXXX XXXX XXXX was modifying my loan # XXXX in XXXX & and XXXX of XXXX. XXXX XXXX XXXX purchase the loan or required it from XXXX XXXX a defunct Lender. XXXX XXXX XXXX in XXXX received over a 500 plus personal documents threw faces and certified mail.
In XXXX & then XX/XX/XXXX offered a modification but not as agreed base on a principle reduction of a loan that was at XXXX with a value of XXXX ordered XXXX by XXXX XXXX XXXX and then XXXX XXXX XXXX again order a second appraisal in XXXX of XXXX, value came back at XXXX. XXXX XXXX XXXX again after they ordered appraisals did not reduce the principal as agreed and finalize My modification on XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. I have owned the home for 15 years, am XXXX years old and I have no where to go or live if I lose my property. XXXX XXXX totally misrepresented, mis lead, lost documents, repeatedly requested for the same documents and would make false statements that did not received documents, unexceptionable. XXXX XXXX was a nightmare, did not finalised the agreed reduction of principle and then took its good old time to let programs run out and then sells the loan XXXX XXXX, a XXXX XXXX company.
NOTE : I received a letter from XXXX XXXX XXXX that they had appraisals.
Then on XX/XX/XXXX th of XXXX I received a new letter that the loan was sold to XXXX XXXX and then a letter from Rushmore Loan Serving the servicer of my loan.
NOTE : My Complaint also Includes RUSHMORE Loan Serving Loan # XXXX, my property address XXXX XXXX XXXX, XXXX XXXX, NJ XXXX.
After Rushmore Loan Serving sent me letter in XX/XX/XXXX that they were the new servicer of my loan, I called Rushmore Loan servicing did they receive the modifications for assistance and the appraisals XXXX XXXX XXXX completed to finalise my Modificaton with the agreed principal reduction. As of XX/XX/XXXX I have a outstanding balance XXXX and a property value base on realtor comparables comps of XXXX $ to maybe XXXX $ current market.
Rushmore Loan Servicing has over the last 6 month received 4 Modificaton assistances packages as well at least 500 plus documents. I been trying to make payments to XXXX XXXX XXXX since XXXX of XXXX and with I thought the hope of Rushmore Loan servicing to Assist me with assistance of finalising my Modificaton to save my home. Am one person that has done everything in my power to finalise the Modificaton with Rushmore Loan Servicing.
My Additional Complaint is that not only have I fax additional personal paperwork, pay stubs and bank statements as XX/XX/XXXX, I get a letter that the documents they received in the time frame of the now Sheriffs sales date. Letter states 37 days prior to the sale Note : XX/XX/XXXX was the sale date and got a adjournment until XX/XX/XXXX, for 30 days, Rushmore Loan Servicing received my last pay stub not only weeks before but a new pay stub 37 days prior fax verified and also verified by XXXX a account lost mitigation representative that all documents were received as of XX/XX/XXXX and I was eligible for principle reduction.
Again nothing from Rushmore Loan Servicing, various calls from Loss mitigations representatives that have no knowledge of my file as well as made statements that I was not eligible for problems as well as any old programs under government assistance programsXXXX XXXX XXXX.
Note : ) complaint number 5, Rushmore Loan Serving representatives had to experience or knowledge that in XXXX County a home owner has Two 2 30 day adjournments not 15 days and if needed a additional 30 days if the Lawyer for Rushmore Loan Servicing agrees to adjourn to look at the documents received as well as give the additional 30 days to give Rushmore Loan Serving to do the right thing to save my home.
I more then qualify for and to keep my home.
Note : If I did not qualify I would of sold my home under a short sale and do everything in my power never to go to foreclosure, never!!!
Rushmore has not right to go to sherif sale on my property and give me the rights to not lose my home.
There is so many violations from XXXX XXXX XXXX and now XXXX XXXX, XXXX XXXX company and Rushmore Loan Servicing, law firm of XXXX and XXXX.
I make this formal Complaint against XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and Rushmore Loan Serving and all its representatives directly handling my loan documents.
I want my justice and tired of the misrepresentation on all the companies enclosed. They play with peoples lives.
My complaint is formal and I respectfully want to stop all Forecloser proceedings, XXXX and XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX Respectfully help me with my complaint, Signed as of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX
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| 11/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I am writing because I believe my home has been foreclosed on illegally and I need assistance to stop this unlawful sale. I started to fall behind because I owed back taxes and the money I was making from the coffee shops I own was going to paying off the IRS. I also was involved in a custody battle over my child and opened a new business around the same time and lost a substantial amount of money. In XX/XX/XXXX I began to fall behind and thats when the issues with my lender started because they wouldnt work with me to accept the partial payments I was trying to submit and they consistently refused the requests I opened for modification and assistance. Things started to get even more complicated also because my loan was transferred to several different lenders who all gave me different information.
As a result I went into foreclosure in XX/XX/XXXX and the lender put my house up for sale at the foreclosure auction on XX/XX/XXXX. I never received a notice of sale and found out about the sale last minute and had to file Bankruptcy to stop the sale to try to see if I could apply for a loan modification or assistance and work something out with the lender to repay the debt I owed. I told the lender that I filed bankruptcy and followed up with them several times throughout the month of XX/XX/XXXX, and even spoke with an individual named XXXX, id # XXXX on XX/XX/XXXX who told me that my foreclosure was suspended because of the bankruptcy. But apparently, my bankruptcy was dismissed on XX/XX/XXXX and when I called on XX/XX/XXXX they told me that and also tried to say I had not been in contact with them for over a month when I had reached out several times within that time frame including on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. The next time I called was on XX/XX/XXXX and that is when a representative, XXXX ID # XXXX told me I had another sales on XX/XX/XXXX. I never received an actual notice of sale, but I was scared so I filed bankruptcy again on the day before the sale. I called the lender the same day I filed and spoke with XXXX XXXX who told me that he was going to give my information to the bankruptcy department and get the sales date postponed. I called again on XX/XX/XXXX and spoke with XXXX XXXX who told me that my account was in active bankruptcy and that I had 45 days to submit files for the loss mitigation department to review. I also called on XX/XX/XXXX and thats when a representative told me that my bankruptcy was dismissed on XX/XX/XXXX. Then, the next thing I know I got a motion to ratify in the mail on XX/XX/XXXX saying that my home was sold in a foreclosure auction on XX/XX/XXXX and that the sale had been finalized as of XX/XX/XXXX.
I tried to call the lender to see why my home was sold while I was in bankruptcy and the representative I spoke with, XXXX, told me that my bankruptcy was not filed correctly. When I asked to speak with the bankruptcy department she would not transfer me and also told me that the bankruptcy department was not comfortable speaking with me and that something did happen with my bankruptcy but that she couldnt tell me what happened. She then tried to tell me that because I did not file all of my paperwork the day that I filed bankruptcy that it was the reason the bankruptcy was not valid. But she confirmed that the courts had my bankruptcy filing pending from XX/XX/XXXX through the XXXX and that because the bankruptcy wasnt completely filed they did not have to postpone the sales date, even though several representatives told me that my sales date was postponed throughout the entire month of XXXX. I asked to speak with the manager about this and spoke with XXXX in Loss Mitigation who told me that the bankruptcy attorneys advised them the sale was valid and that the stay of protection from bankruptcy was not valid. XXXX also was very rude to me and hung up in my face before I could ask if they filed anything with the court to stop my protection in the bankruptcy. I reached out to the bankruptcy attorney office which is XXXX XXXX XXXX and spoke with XXXX XXXX, the Post Sales Manager. XXXX was extremely rude and treated me as if I were stupid and told me that my bankruptcy was not valid and that I had no protection under it. So I asked him if they had asked the court to lift my protection and he insisted that he would not explain bankruptcy law to me, even though I told him I already understand it and just need to see proof that they filed for the protection to be removed but he declined. I asked to speak with the bankruptcy department and he also refused to transfer me and told me to get a bankruptcy lawyer.
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| 09/09/2017 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I filed chapter XXXX bankruptcy which included the property in question which was reassigned XXXX to XXXX XXXX. as the first mortgage holder and Rushmore as the Loan Servicer. This property has been in foreclosure since XXXX and has been sold/reassigned many times since then because XXXX XXXXXXXX XXXX kept the second lien and refuses to release it to the first mortgage holder. Rushmore Loan Managent and XXXX first promised they could do a deed-in-leui and have my name off the property title by XXXX of XXXX. They asked for a hardship letter and paperwork. I cooperated with this effort for months beginning XXXX. Then around XXXX XXXX Rushmore told me the foreclosure date might happen before they can get the deed in leui and that I should wait JUST 6 more months and the foreclosure would occur and the house would soon after be transferred out of my name. On XXXX/XXXX/XXXX, I was informed by XXXX, In XXXX TX, that they were charging off the mortgage as bad debt. He suggested, I get XXXX XXXX XXXX to release the second liens so I could do a short sale quickly. Meanwhile, Rushmore 's employee in the loss and mitigation Dept tells me that the " charge off of mortgage '' is going to hurt my credit scores. I told her that they were not allowed to report that to the credit bureaous. She insisted that they will report it!!! I asked to talk to someone in the whatever department there that could stop Rushmore or XXXX from making this mistake by reporting it to bureaus because it would cause great distress for me financially after just recovering 3 years out from from a BK. She insisted that I was wrong and that I would have to take that up with the credit bureaus after it was reported and if it was not supposed to be on there then the bureaus would remove it. So this seems intentional to me! she would n't transfer me to the appropriate dept. Although, XXXX acknowledged under breath quickly brushing it off that the information could not be reported so it seems Rushmore and XXXX Investors are conflicted on this issue of reporting " charge off mortgage '' to the credit bureaus after its been discharged in Chapter XXXX in XXXX. So this complaint is to make sure they are no longer conflicted. This mortgage was discharged and can no longer be reported on to credit bureaus by Rushmore or XXXX. I am taking these broken conversations as a very serious threat to hurt me and my lines of credit on purpose. These threats I received sounds to me as if they expect me to pay or settle a discharged second lien with XXXX XXXX XXXXXXXX so they do n't have to pay for the foreclosure while threatening to ruin my credit temporality until I do what I am told to do. I sent the loss and mitigation Dept at rushmore an email letter requesting them to get the bankruptcy information to the correct person before they make this grave mistake. However, the email kicked back a message saying she was n't in the office on Friday. I then, called the main number and spoke to XXXX and again asked if she could get me to the person in charge to make sure they understand this mortgage was in my bankruptcy 3 years ago and discharged so if they wanted my bankruptcy paperwork to confirm that information so I could fax it or PDF it to them. She took the time to tell me not to worry. If the company reports it to just dispute it with the bureaus and that It would be no big deal, nothing to loose sleep over. She gave me a fax number and told me to put attn legal dept, still not a name of a person! She also mentioned I should mail the information just in case they do n't get the fax. So I decided to write to the CFPB instead so I know they get the information to the person who understands reporting " charge off '' mortgage on my report is illegal and they would be violating bankruptcy law. Also, would like to mention despite the recent threats and bullying tactics by Rushmore and XXXX I am actively pursing measures to help them get liens released from the property so they do n't have to do the work themselves. I have a complaint filed with CFPB for XXXX XXXX XXXX and I also have the cooperation of my congressmans office in assisting the bureau in getting my complaint for the lien release request to an officer at XXXX XXXXXXXX XXXX that can make an excustive decision. If XXXX XXXXXXXX XXXX cooperates then I will gladly hand over the deed of the property to Rushmore and XXXX. XXXX XXXX Assignment of mortgage to XXXX XXXX is on public record recorded on XXXX/XXXX/XXXX in the county records.
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| 06/19/2021 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Just yesterday ( XX/XX/XXXX ), I received a Trustee 's Notice of Sale indicating that on XX/XX/XXXX, a property that I used to reside in will be sold. Most recently, the mortgage was serviced by XXXX XXXX XXXX. I called XXXX XXXX XXXX only to be told that the loan was sold on XX/XX/XXXX to XXXX XXXX XXXX. This XXXX ( XX/XX/XXXX ), I contacted XXXX XXXX only to be told that only to be told that as of XX/XX/XXXX that the loan had been sold to Rushmore Loan Management Services. Rushmore won't be available until Monday ( XX/XX/XXXX ).
This matter actually began 4 years ago, and this is the SECOND foreclosure of this property that I have experienced despite my not being in the property for almost 4 years. This property was initially foreclosed upon in XX/XX/XXXX due to getting behind in payments of the home equity line of credit after losing my job. The main mortgage was with XXXX and was current at the time of foreclosure. Upon the advice of an attorney, we exited the property in XX/XX/XXXX.
Apparently, both mortgage companies spent the next 3 years in Court arguing over who had primary position. In XX/XX/XXXX, the judge issued a summary judgement essentially overturning the original foreclosure. By that time, I had moved on and had moved out of state. About a year ago, I was working with a financial consultant regarding ways to improve my credit. It was then that I realized all kinds of things were on my credit report that shouldn't have been. For instance, the foreclosure was on the report as well as negative remarks that I had neglected to pay my mortgage for 2 years since the foreclosure for this property. Similar negative reports were on my report regarding the home equity line of credit.
It has been quite difficult to secure an attorney to assist in this matter. First of all, it is a requirement that the attorney be licensed in the state where the property is located ( Mississippi ). Secondly, the attorney needs to be experienced in real estate litigation matters. A number of attorneys that I have been referred to have indicated a reluctance of getting involved because of how many attorneys have been previously involved. ( Both mortgage companies have their own teams of attorneys as well as the 3rd party who bought the property from XXXX XXXX. ) I am not astute when it comes to legal matters, but I truly feel that I have been taken advantage of. The judge rescinding the initial foreclosure after 3 years certainly does not help me. I can not be made whole because the 3 years that my credit took a major hit largely because of the foreclosure can not be undone.
Shortly after the initial foreclosure, our attorney had us sign a Quitclaim Deed signing the property over to the 3rd party. Our attorney said that this essentially absolves you of any future responsibility for this property ( hence a foreclosure ). That's why we signed the Quitclaim Deed. Well, that's not exactly true according to the Deed of Records with the XXXX XXXX ( MS ) XXXX XXXX. When the foreclosure was rescinded, that meant that legally the property reverted back to me as owner. And the Quitclaim Deed was null and void. The initial foreclosure happened in XX/XX/XXXX ; the Quitclaim Deed was signed in XX/XX/XXXX. Essentially, I didn't have a legal right to convey property that had been already foreclosed on because technically, I did not own it. Which brings me to this mess of a situation that I find myself in.
First, I don't think that justice or any fairness has been provided to my family. The State of Mississippi has a long history of essentially stealing land from XXXX folks like my family. And XXXX XXXX has a well documented past of screwing over unaware, vulnerable homeowners. Those facts alone should give someone pause to carefully consider how one proceeds from this point. Shortly after the XX/XX/XXXX foreclosure, the 3rd party and the XXXX XXXX XXXX came to my home and advised me that I no longer owned the property and that I should leave ASAP. And if I didn't, I would be charged with trespassing and would be dealt with accordingly.
Since the beginning of this year, the servicer of the mortgager has changed from XXXX XXXX XXXX, XXXX XXXX XXXX, and just this week ( XX/XX/XXXX ) to Rushmore Loan Management Services. I'm not even sure who it is that has initiated this second foreclosure. I at least need to know who to speak with regarding my options.
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| 04/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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Rushmore has not responded to loss mitigation " servicing file '' requests with information from XXXX XXXX, XXXX XXXX, and Rushmore Loan Management Services , LLC in accordance 12 CFR 1024.38.
Rushmore has been non-compliant with " loss mitigation procedures '' pursuant to 12 CFR 1024.41.
Facts- My loan was assigned multiple times after Loss Mitigation " completed applications '' were acknowledged by XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; and Rushmore Loan Management Services , LLC on XX/XX/XXXX.
The Law- Pursuant to 12 CFR Section 1024.38 38 ( c ) ( 2 ) Servicing file.
2. Borrower requests for servicing file. Section 1024.38 ( c ) ( 2 ) does not confer upon any borrower an independent right to access information contained in the servicing file. Upon receipt of a borrower 's request for a servicing file, a servicer shall provide the borrower with a copy of the information contained in the servicing file for the borrower 's mortgage loan, subject to the procedures and limitations set forth in 1024.36.
Paragraph 38 ( b ) ( 1 ) ( iv ).
1. Accurate and current information for owners or assignees of mortgage loans relating to loan modifications. The relevant current information to owners or assignees of mortgage loans includes, among other things, information about a servicer 's evaluation of borrowers for loss mitigation options and a servicer 's agreements with borrowers on loss mitigation options, including loan modifications. Such information includes, for example, information regarding the date, terms, and features of loan modifications, the components of any capitalized arrears, the amount of any servicer advances, and any assumptions regarding the value of a property used in evaluating any loss mitigation options.
38 ( b ) ( 4 ) Facilitating transfer of information during servicing transfers.
Paragraph 38 ( b ) ( 4 ) ( i ).
2. Loss mitigation documents. A transferor servicer 's policies and procedures must be reasonably designed to ensure that the transfer includes any information reflecting the current status of discussions with a borrower regarding loss mitigation options, any agreements entered into with a borrower on a loss mitigation option, and any analysis by a servicer with respect to potential recovery from a non-performing mortgage loan, as appropriate.
41 ( k ) ( 5 ) Pending loss mitigation offers.
https : XXXX # XXXX XXXX Loss mitigation procedures.
( 5 ) Pending loss mitigation offers. A transfer does not affect a borrower 's ability to accept or reject a loss mitigation option offered under paragraph ( c ) or ( h ) of this section. If a transferee servicer acquires the servicing of a mortgage loan for which the borrower 's time period under paragraph ( e ) or ( h ) of this section for accepting or rejecting a loss mitigation option offered by the transferor servicer has not expired as of the transfer date, the transferee servicer must allow the borrower to accept or reject the offer during the unexpired balance of the applicable time period.
1024.41 Loss mitigation procedures.
( 5 ) Pending loss mitigation offers. A transfer does not affect a borrower 's ability to accept or reject a loss mitigation option offered under paragraph ( c ) or ( h ) of this section. If a transferee servicer acquires the servicing of a mortgage loan for which the borrower 's time period under paragraph ( e ) or ( h ) of this section for accepting or rejecting a loss mitigation option offered by the transferor servicer has not expired as of the transfer date, the transferee servicer must allow the borrower to accept or reject the offer during the unexpired balance of the applicable time period.
41 ( k ) ( 5 ) Pending loss mitigation offers.
1. Obtaining evidence of borrower acceptance. A borrower may provide an acceptance or rejection of a pending loss mitigation offer to a transferor servicer after the transfer date. Consistent with policies and procedures maintained pursuant to 1024.38 ( b ) ( 4 ), the transferor servicer must timely transfer, and the transferee servicer must obtain, documents and information regarding such acceptances and rejections, and the transferee servicer must provide the borrower with any timely accepted loss mitigation option, even if the borrower submitted the acceptance to the transferor servicer.
( e ) Borrower response ( h ) Appeal process
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| 01/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Please make this a RUSH I have sale scheduled for my property on XX/XX/XXXX.
I again am raising some issues and concerns regarding the practices of banks and servicers.
My loan was being serviced by XXXX XXXX , XXXX. I have been faxing and emailing XXXX XXXX my loan modification documents but never received any call, email or mail back from XXXX XXXX regarding the status of the loan modification. Usually, they would send me some type of correspondence. I decided to call them on XX/XX/XXXX to get a status update on my loan modification and they advised me that the loan was transferred to RUSHMORE LOAN MANAGEMENT SERVICES , LLC around XXXX-XX/XX/2020. This was a shock to me. I have never received any documentation from XXXX XXXX stating my loan was being transferred. Also, I never received a welcome letter from Rushmore Loan Management Services stating they are now the new servicer. All this time has gone and not one document was sent to me from Rushmore Loan Management Services. I called in today XX/XX/XXXX to Rushmore and finally over the phone received my new loan number from Rushmore.
I believe this was done intentionally by both parties XXXX XXXX and XXXX to not give notice of the transfer in hopes of borrower ( me ) not catching it in time and to sell the home with minutes to spare. I feel like they are succeeding given the fact that my home is scheduled to sell on XX/XX/XXXX.
I asked Rushmore if they could postpone the sale date for me so that I would have time to be reviewed for a loan modification. Rushmore advised me that I would have to contact the trustee attorneys XXXX XXXX , XXXX. I contacted them right away and I advised them on the concerns I had and the situation Im in, but they said they would have to ask the servicer if they could postpone the sale. Im being thrown around here. Rushmore is saying they can not do anything and to call trustee attorney and trustee attorney is saying to call the servicer for a postponement of sale. This is unacceptable business practice.
Ive been dealing with banks and servicers for a very long time as you can read below my previous situations with banks and servicers. All have been unsuccessful.
1st Bank : XXXX XXXX XXXX. XXXX XXXX XXXX proposed me monthly 3-time trial period payment of {$1700.00}. I was very excited for this and was ready to pay my monthly mortgage to keep my home. After I made those trial payments XXXX XXXX XXXX transferred my loan to a company called XXXX.
2nd Bank : XXXX. XXXX started a foreclosure process on my home right away. I was very surprised they did that as I was under a loan modification and have already paid the trial period payments in total of {$5100.00} for the three months time to the previous bank, XXXX XXXX XXXX. I then contacted them asking why they said you are past due for a long time and we will sell your home. They told me I could apply for loan modification and maybe I can be reviewed. After a couple of months sending them all requested documents I have finally approved for a loan modification. They offered me another 3 month trial period payment in the amount of {$2400.00}. I was very shocked to see that the amount went up from the previous offer I received from XXXX XXXX XXXX. I was very unhappy to the increase in the payment but I had no other option because XXXX said if I did not pay and agree to this amount they will foreclosure on my home. So I paid the 3 months trial period payments in total amount of {$7400.00}. And once again after paying I got transferred to another servicer XXXX XXXX, who is doing the exactly the same thing.
3rd Bank ; XXXX XXXX. Same story as with the other banks. I have to redo the loan modification process all over again. I have submitted all documents to them. And now again I have been transferred QUIETLY without my knowledge to Rushmore and in hopes of me not catching it on time due to the pandemic.
Ive paid out of pocket 2 times already to XXXX XXXX XXXX and XXXX in total of {$12000.00}. I dont want to pay out of pocket again just to be scammed for my money that does not go towards anything.
I have given Rushmore Loan Management Services , LLC all required documentation for a loan modification and they have received a full complete package. Rushmore Loan Management Services , LLC will be in violation of the Homeowners Bill of Rights Act if they proceed with the sale.
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| 08/07/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We are being ILLEGALLY foreclosed on in XXXX XXXX County, CA. by current servicer, Rushmore Loan Management Services LLC., and XXXX XXXX as " trustee '' for the RMAC Trust, Series XXXX. ( Reference my previous Cases # XXXX AND # XXXX ). We purchased our loan " ORIGINALLY '' in XX/XX/XXXX from XXXX XXXX XXXX , XXXX Our " ORIGINAL '' trustee was XXXX XXXX XXXX XXXX , and our 'ORIGINAL TRUST '' was the XXXX Asset Backed Certificates Trust, Series XXXX. The " INVESTORS '' of the Original Trust XXXX were paid-off by the XXXX RMBS Settlement in XX/XX/XXXX. All remaining loans in that trust were " re-purchased '' by XXXX XXXX XXXX, from XXXX XXXX ... due to fatal defects. In XX/XX/XXXX, XXXX XXXX sold off a series of " NON-PERFORMING, FATALLY -FLAWED '' loans in four separate pools to NEW INVESTORS. These investors paid pennies on the dollar to purchase fatally flawed loan. Rushmore Loan Management Services LLC. was one of those pool investors. They purchased the fourth pool, for which my loan was contained within it. Now, my loan from XXXX XXXX XXXX , XXXX was NEVER FUNDED BY XXXX XXXX XXXX, XXXX for one - and this was NEVER DISCLOSED to me or my husband when we purchased the loan. Secondly, XXXX NEVER PROPERLY ENDORSED MY LOAN NOTE, and only stamped one endorsement in blank, with XXXX XXXX XXXX 's " stampted '' signature. ALL OTHER ENDORSEMENTS that were supposed to be on my note, according to XXXX XXXX 's Pooling and Servicing Agreement, AND law, were missing. Even though there was " room '' on the bottom of the document for those endorsements. There was NO Notary signature or date on my original note. XXXX made a FATAL DEFECT in my loan, and rendered it UNSECURED with the originated it as a XXXX " MOM '' loan, and then they NEVER deposited the note into the trust.There is NO Assignment of Deed of Trust conveying the note anywhere from XXXX, or XXXX XXXX XXXX for all of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ..Not until XX/XX/XXXX!! And that was by Bank XXXX XXXX, after the " merger '' with XXXX XXXX XXXX, XXXX. The law and PSA state that an assignment MUST be " recorded " in the XXXX XXXX County Recorder 's Office within 90 days of conveyance. MY LOAN IS AN UNSECURED DEBT SINCE ORIGINATION in XX/XX/XXXX!! Rushmore Loan Management Services LLC., " purchased '' my " NON-PERFORMING, FATALLY FLAWED NOTE '' from XXXX XXXX in XX/XX/XXXX, and has been attempting an " ILLEGAL FORECLOSURE " ever since. They have a Trustee Sale dated for XX/XX/XXXX. XXXX XXXX XXXX. not in it 's individual capacity but solely as trustee for the " NEW '', " RE-SECURITIZED '' Trust, RMAC Trust, Series XXXX is now claiming to own the debt, and filed a FRAUDULENT Proof of Claim on XX/XX/XXXX in the XXXX XXXX XXXX California Federal Bankruptcy Court against me, claiming to be " CREDITOR ''. The Attorneys from XXXX XXXX and XXXX XXXX joined in that FRAUDULENT PROOF OF CLAIM, for the benefit of the Countrywide Investors THAT WERE ALREADY PAID OFF IN XX/XX/XXXX!!!! Rushmore Loan Management Services LLC., has been HOUNDING us for over a year now, and has committed many crimes for which they do not have to pay any consequences for. THEY CAN NOT PROVE THAT THEY LEGALLY OWN MY LOAN, as the Chain of Title was BROKEN in XX/XX/XXXX - and they are attempting to PROFIT FROM STEALING MY HOME, and reward themselves with any/all payments we were FORCED to pay them in a joke of a bankruptcy case from XX/XX/XXXX-XX/XX/XXXX. WE WANT RUSHMORE LOAN MANAGEMENT SERVICES LLC. AND XXXX XXXX FOR THE RMAC TRUST TO BE INVESTIGATED FOR FINANCIAL FRAUD AND CRIMES ON THE FEDERAL BANKRUPTCY COURT, AND FRAUDULENT DOCUMENTATION FILED IN THE XXXX XXXX COUNTY RECORDERS OFFICE, amongst many other crimes committed against us. CFPB : MAKE RUSHMORE LOAN MANAGEMENT SERVICES LLC., AND XXXX . XXXX FOR THE RMAC TRUST, XXXX XXXX ***PROVE**** THAT THEY OWN OUR NOT WITH THE ****ORIGINAL, WET INK NOTE*** with ALL appropriate endorsements, and assignments, FOR WHICH THEY CAN NOT PROVE .... MAKE THEM PROVE IT.!!! The fraudulent documents they produced in my other CFPB cases I mentioned in this complaint are BOGUS AND FRAUD. Make them **** PROVE*** the ORIGINAL, wet ink note with ALL THE PROPER ENDORSEMENTS!!! MAKE THEM DEMONSTRATE THE ASSIGNMENTS OF DEED OF TRUST ***PRIOR*** TO XX/XX/XXXX
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| 09/19/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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I've been struggling for the better part of 8 years, with my mortgage and modifications to it. I've been XXXX since XXXX. XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) has taken their toll. In that time, My mortgage was transferred 3 times in 1-2 year period. In XXXX, XXXX had my mortgage. They accepted my Modification App. and off we went. Not soon after, They returned a my next 2 payments. requiring some additional fees.
I was notified by my State Rep. about the EHLP program. ( mortgage assistance ). I applied at several HUD facilities, only to be denied. I filed an appeal to the main office of EHLP, in XXXX and after review, I was accepted. My program was for two years of assistance or {$50.00}, which ever came first.My projected assistance was around {$35000.00} ... I signed the Doc 's. in the summer of XXXX. However the program didn't start until XXXX. The financial partner was The XXXX XXXX XXXX XXXX XXXX. I was still working with XXXX ( Hud council XXXX XXXX, XXXX ) through this process. All the while XXXX was threatening foreclosure. I was {$9000.00} +- in arrears. I was told by XXXX that the first check issued would be to take the mortgage out of default. Then my payment process would start.The program was for me to send XXXX 31 % of my SSDI monthly payment and XXXX would send in the full mortgage payment ( {$860.00} ) per my Modification. All was fine for the first 11 months, my payments to XXXX and from there to XXXX.
In XXXX of XXXX, I received a letter from EHLP stating my account was exhausted. That week I also received a letter from XXXX asking for a {$34000.00} +- remittance for ancillary fees and auxiliary fees. The fees ( {$34000.00} ) +- were already taken. After doing some research, it seems all the big lenders had Liaison Officers working in EHLP. The next month my APR. jumped from 3.25 % to 9.85 %. My mortgage payment went form {$860.00} to {$1600.00} a month. I called EHLP ( the Director herself ). Very very helpful. Her EHLP coordinator mentioned to me that some lenders would add fees and such knowing that Federal Assistance was involved. Also it would take monjths and months to audit the transaction and recover some or all of the funds. Nowhere did this $ 34,000+- show in my P & I balance which at the time was {$170000.00}. Still to this day ...
The very next month, XXXX changed their name to XXXX XXXX XXXX.The investors changed as well. After several months of discussion, XXXX offered me a Modification. The trial period ( 3 months payments ). Then when my first actual mortgage payment was made, they returned it asking for money for fees and such. Here we go again ... ... Also after inquiring about the {$34000.00}, I was repeatedly told ( by a single point contact ) he had " no idea " nor did the other 3 ( single points of contact ). After months and months of Where's Waldo, I get a notice that my servicer has been changed to Rushmore Home Loans ... and the investors changed as well.
XXXX and I decided to contact Sen. XXXX XXXX XXXX office. We applied for a new Modification which was reviewed by XXXX and the Senators office for presentation. The Docs were sent to Rushmore and after several weeks,,, nothing..XXXX called and asked if I'd heard anything ... '' NO " .. XXXX called Rushmore inquiring and was told it's under review. Several weeks later, Rushmore 's underwriter contacted XXXX for some Doc. info. She returned the call with no response. Now I get a call from Loss Mitigation, ( XXXX ) asking what my intentions were with regards to my house. I'm here forever. I asked how the " Modification was coming .... Her response was " What Mod. App. '' I've sent in no less than 5 applications from XXXX XXXX. All denied for one reason or another. Time ran out, My non-borrower contributor ( excellent credentials ) turned down and my daughters $ 400+ board was not accepted. They sent a letter stating my App. reviews were exhausted. Yet I received 2 more in XXXX .... I have most All correspondence since XXXX pertaining to all mentioned above. Now they are Preparing for foreclosure once again. It's been 4 years or so No payments accepted. I've not gotten any foreclosure notices as of Today ( XXXX ) Please Help ... Between keeping up with my health and more so this .... not sure how much is left in the tank.. Thanks for reading ////
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| 02/27/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Please Help!!
I have been approved as successor in interest on a property which is my primary residence with XXXX children. I purchased this dwelling in XXXX as a single woman. Another individual 's name is currently on the mortgage note. This individual has abandoned the property in XXXX. I am solely responsible for maintenance, upkeep and paying the mortgage in a timely fashion. The mortgage on this property is serviced by Rushmore Mortgage Company. I believe they are being non compliant with new rulings by the CFPB.
Since XX/XX/XXXX when certain new rulings came into effect, I have made a request to be substituted as obligor on the note and have a written release of liablity to the individual on the note. I have made this request countless times, in writing, and verbally and have been denied. The individual on the note has also sent written request. The last contact I had on the phone told me that Rushmore " could technically do this '' but that they " won't. '' That they don't " do assumptions or refinances. '' I have explained numerous times, that according to the CFPB rulings, this would not be considered either an assumption nor a refinance From my understanding : The CFPB notes that there can be significant consequences for a successor who is not able to become an obligor on an existing mortgage loan, and provides an example of a successor not being able to obtain a modification because he or she is not a party to the existing loan and can not enter into a modification agreement. As the CFPB observes, if the ability to repay rule applies to a successors assumption of an existing mortgage loan, such an assumption is less likely to occur.
The CFPB interprets the ability to repay rule as incorporating the existing Regulation Z standard for transactions involving a change in obligors as set forth in section 1026.20 ( b ) and, therefore, unless a change in obligors satisfies the definition of assumption under that section the change does not trigger the ability to repay rule requirements. The CFPB then notes that an assumption for purposes of section 1026.20 ( b ) occurs when a creditor agrees in writing to accept a new consumer as a primary obligor on an existing mortgage loan, and the loan would constitute a residential mortgage transaction for that new consumer. Under Regulation Z, a residential mortgage transaction is a transaction in which a consumer finances the acquisition or initial construction of the consumers principal dwelling.
The CFPB interprets the ability to repay rule as not applying when a creditor agrees in writing to allow a successor to become the obligor on an existing mortgage loan because there is no assumption for Regulation Z section 1026.20 ( b ) purposes. Because the successor had previously acquired title to the property, the transaction is not a residential mortgage transaction for the successor and, therefore, is not an assumption subject to the ability to repay rule.
A letter I received from Rushmore dated XX/XX/XXXX states that : '' In order to release someone from liability, you will need to be credit approved to assume or refinance the mortgage loan. '' This is the direct opposite of the CFPB rulings which state : '' The CFPB interprets the ability to repay rule as not applying when a creditor agrees in writing to allow a successor to become the obligor on an existing mortgage loan because there is no assumption for Regulation Z section 1026.20 ( b ) purposes. " All I am asking is that Rushmore agree in writing to accept me, as successor in interest, as the primary obligor on the existing mortgage loan. and release the other individual from liability at the agreement of both parties and court orders. I am asking the CFPB to intervene on my behalf. My homestead is at stake. I have resided in this property that I had solely purchased since XXXX. My family will have no where to go if I lose this residence because Rushmore won't comply with CFPB regulations I have proven that I am able to pay this mortgage I have made every payment in a timely fashion in my name since XXXX. I have practically begged Rushmore to accommodate me and have explained how urgent the situtation is for my personal family.
cfpb12 CFR part 1026 docket # XXXX RIN XXXX XX/XX/XXXX 1026.43, 1026.20 ( b )
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| 10/20/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Our lake house was severely damaged in Hurricane Laura on XX/XX/20. My husband works in XXXX and lives there during the week and comes home on the weekends so I guess you can say that is his main address. We have decided to use the insurance funds that Rushmore has been holding XXXX for approx. 6 weeks to pay off the mortgage. We came to that decision out of total frustration and a desire to not do any further business with Rushmore. Here are the facts ; 1. The insurance checks ( 2 ) were made payable to us and Rushmore. We signed them and overnighted to them on approx. XX/XX/20.
2. Rushmore emailed us information on what was required for disbursements.
3. XXXX is a very small, country community with extremely limited resources. We were without power, internet, cell service for almost 2 weeks. In the meantime, a tree had fallen on the house, it was raining through the damage in the roof into the house. Also, the house is on piers, it had been lifted by the wind and was off the piers, no longer level.
4. My husband lived in a camper the first week, then was lucky enough to find a rent house to move in. We moved him and the few items that could be salvaged into the garage at the rent house. He is still living there.
5. We hired a local company to repair the roof, new shingles, gut the inside of the house due to the severe water damage, and replace the front and back porch which had been damaged. We paid for these repairs with personal funds and sent the paid for receipts to Rushmore. Approx. {$24000.00} 6. We also hired a local company to level the house and put it back on the piers. We paid for this with person funds and sent the paid in full receipt to Rushmore. Approx. {$20000.00} 7. To date we have not received one penny of our money from Rushmore!! We call about every other day. Each time, we get a different person, most of the time that person does not speak good English so its very difficult to communicate. Each time they tell us there is another form, another receipt, another inspection, another W9, another obstacle to us getting our MONEY. I hope you can understand how frustrating it has been. We have asked numerous times to speak to a supervisor, no one ever calls us back. No supervisor is every available when we are on the phone with them. One woman actually hung up on my husband, unfortunately he did not get her name.
8. Others in the community who also experienced damage to their homes, simply endorsed their checks, sent it to their mortgage company, and had their funds within a week or less. My husbands co-worker 's damage exceeded {$120000.00} and his mortgage company was local in XXXX. He walked into their office, signed the check and they deposited the funds into his checking account on the spot. He did not have all these forms, etc to fill out and submit, no obstacles!! So Rushmore can't tell me that it has to do with a dollar amount, my checks totaled approx {$80000.00}. They were not here for us when we needed them. And I feel like it is criminal for them to hold the money that belongs to me.
9. Repairs to our home had to stop 3 weeks ago, we are out of cash and can not pay anyone until Rushmore releases the funds. We kept telling them that and it fell on deaf ears. My husband can not move back until the sheet rock has been done, painting, floors replaced, ceiling replaced, insulation replaced, and I'm probably forgetting a few things. You can understand how extensive the damage was.
At this point we just want to walk away from this horrible company and don't want them to make another {$1.00} off of us. This has been a terrible experience. We are the customers who pay on time each month plus additional to the principal because we want to pay it off before retirement. Which is in 2 yrs. It seems like they do not value our business at all!! We have now requested that they use our funds being held in escrow to pay off our mortgage. We simply want to be done with Rushmore Loss Trak Services.
This complaint is to let someone know how difficult they have been to deal with in our time of need. And to ask the question, is it a criminal offence for Rushmore to withhold our funds which were needed to repair our home? We will be taking this one step further and speaking to an Attorney.
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| 03/15/2019 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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XX/XX/XXXX - called Rushmore Loan Management Services for pay off amount XX/XX/XXXX - Rushmore mailed letter with payoff amount of {$0.00} and recording fee of {$73.00} for total amount owed by XX/XX/XXXX.
XX/XX/XXXX - letter received via mail ; made online payment via wire through XXXX XXXX for pay off amount at XXXX, CST, with tracking # given from XXXX XXXX , see *email* confirmation.
Your money transfer 's complete. The money will be available in CASHIERING DEPARTMENT RUSHMORE LOAN MANAGEMENT 's bank account by XX/XX/XXXX.
Need help? Chat online or call us toll free 24/7 at XXXX.
Thanks for using XXXX XXXX.
________________________________________ For a mobile transaction, this is your receipt. For all other transactions this is a summary of your online receipt.
________________________________________ Your tracking number ( XXXX ) is : XXXX Transaction Date : XX/XX/XXXX XXXX ET.
Recd alert from XXXX XXXX of credit filing of delinquency ; contacted Rushmore. They said they never received payment ; I gave them all the information of the receipt of submitting. I've called numerous times and they kept saying they never received. Gave them the tracking # I had.
There is no one else I can speak with ; there is no email address that can be used to communicate and deliver documentation. Either fax or regular mail. No attempt on their part to track receipt of said money using the information provided.
rec 'd another statement dated XX/XX/XXXX indicating owing {$0.00}. Again I called and resubmitted the information regarding payment information ; they replied they had no way to track it, as they never received. Another notification of now the delinquency of over 60 days.
XX/XX/XXXX - another call to Rushmore asking for assistance of tracking my payment and resolving the credit reporting. Still no assistance in helping. Therefore, I went to my bank and REWIRED ANOTHER PAYMENT.
XX/XX/XXXX - XXXX CST resent ANOTHER wire transfer with an additional cost to me of {$25.00} -- Also, contacted XXXX XXXX on XX/XX/XXXX and they have record from XXXX , Rushmore Loan Management Services received funds XX/XX/XXXX. Trace # is XXXX.
XX/XX/XXXX - again called Rushmore to give them information that I just wired ANOTHER PAYMENT and was told to call back on Friday, XX/XX/XXXX to verify they received.
XX/XX/XXXX - called and they verified payment received and closed account. I asked about next step in resolving credit reporting and also let them know they now have received TWO payments from me. Gave them additional information again for THEIR bank with a tracking # XXXX. Their records indicate a follow up is needed by me next Wednesday, XX/XX/XXXX.
Asked them to report to credit agencies their reporting that the account was not delinquent which affected my CREDIT SCORE greatly. They indicated they would send to consumer affairs department for investigation however it is still under investigation. They offer no customer service to assist in rectifying the situation other than the customer doing all the calling ; following up. I was told to call XX/XX/XXXX, or I can mail/fax communication and wait again for reply. There is no other communication other than the one customer service line and you are unable to speak with anyone else ; no supervisor or anyone other than the rep on the phone.
This loan was first taken from XXXX XXXX XXXX and the account was turned over in XX/XX/XXXX to Rushmore Loan. In six years paying the mortgage for a payoff amount of {$0.00} this company has ruined my credit and is making no attempts to assist in correcting the problem.
As of today XX/XX/XXXX, Rushmore has now an additional {$73.00} due to the double payment in which they can not tell me how or when the payment will be reissued back to me. Again, no one to speak with at all to assist in resolving issue.
I have made every attempt possible to rectify the situation with no assistance whatsoever from Rushmore other than being treated like an individual who is trying NOT to pay a {$0.00} debt when I clearly paid a {$15000.00} debt I owed timely.
I am looking for restitution of my {$73.00} over payment ; in addition to clearing my credit report of false information.
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| 05/10/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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Most of the information in regards to this complaint are written on the legal binding documents that were submitted to you buy me from Rushmore loan Management Services LLC.. Received documentation from Rushmore loan Management Services LLC insurance department asking if I had my own policy, if not lenders place policy would be added. Called the insurance department as soon as I received the FIRST letter and told them it would have to be lenders placed the representative stated she would document the account now and lenders placed insurance would be added. But I keep getting letters asking for my insurance information. Talked to Rushmore loan Management Services LLC representative XXXX XXXX on XXXX XXXX in regards to my escrow due to a change in the amount of my lenders placed Insurance policy. XXXX XXXX told me that an escrow analysis was being ran and to call back on XX/XX/2019. I spoke with XXXX XXXX on XX/XX/2019 and he stated that the information given to me by XXXX XXXX was not true and did not see an escrow analysis being ran. After receiving a letter dated XX/XX/2019 I called Rushmore loan Management Services LLC and spoke with representative XXXX. She verified that my homeowners insurance policy was {$780.00} annually and the taxes were the correct amount and I would be receiving another letter XX/XX/2019 with my evidence of insurance. XXXX also stating that my monthly payment would be around {$370.00} and I will receive a refund of {$2400.00}. After receiving the letter dated XX/XX/2019 I talked with XXXX on XX/XX/2019 again at Rushmore loan Management Services LLC. XXXX stated the information is not uploaded yet but she would escalate it to do so and call me back on XX/XX/2019. XXXX from Rushmore loan Management Services LLC did call me back on XX/XX/2019 and stated the escrow analysis is being ran and has been ESCALATED due to the fact that I notified the insurance company to go ahead and place lenders Placed insurance. XXXX stated the escrow analysis would be done XX/XX/XXXX or XXXX of 2019 and the escrow analysis and REFUND check would be mailed that day. I called Rushmore loan Management Services LLC late in the evening on XX/XX/2019 and spoke with XXXX whom stated escrow was still being ran. I called right back and spoke with XXXX at Rushmore loan Management Services LLC who stated that XXXX did not do her job correctly and XXXX had to escalate the escrow analysis so now my escrow analysis will not be finished till XX/XX/2019. I have received nothing but false and misleading information from the representatives at Rushmore loan Management Services LLC and representatives that omit factual information in regards to my mortgage. This is the second complaint I have filed they did not post my XXXX XXXX payment for FOUR days even though I paid extra for money in minutes but thanks to the cfpb my payment was posted as soon as my complaint went through. I feel that Rushmore loan Management Services LLC should have ran an escrow analysis last month or the month before due to the fact that I gave them the information and told them to go ahead and do lenders placed insurance. The letters I am receiving from the insurance conflict with each other and do not make any sense as you can see with the legal binding documents I have sent. I feel Rushmore loan Management Services LLC is refusing with malicious intent to not give me my refund and lower my monthly mortgage payments. I read in one of the letters that the new lender and mortgage servicer which is Rushmore loan Management Services LLC has 45 days to place lenders placed insurance if I do not provide my own. That date would have been XX/XX/2019. I feel like I am being sabotaged by Rushmore loan Management Services LLC in regards to MY escrow refund and my lower monthly payments. I want my refund on the date they stated which was XX/XX/2019 but I have a feeling they'll just come up with another excuse in regards to why it has not been issued. I want my refund through my escrow sent to me now. Rushmore loan Management Services LLC has had ample time to service this mortgage correctly. They went over the 45 days of sending the legal documentation I need on a mortgage I am paying for.
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| 05/28/2019 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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1. We did have a loan modification approved XX/XX/XXXX XXXX. XX/XX/XXXX hardship hit again because of a decrease in overtime at work and a stall in the pay increases that were promised from the collective bargain agreement and the cost if legal fees for my wifes abusive ex husband for custody of the children.
3. Between early XXXX to XXXX of XXXX infield numerous loss mitigation packets to when I was told and denied modification because they said I had to wait 3 years since the last modification XXXX. This is when I was with XXXX and was also denied forbearance because I was not unemployed.
4. XXXX of XXXX I filed for chapter XXXX to save my house and do good business by bringing XXXX to the table to negotiate a good faith deal in both of our favor. Even during that time I bankruptcy, another loss mitigation packet was denied because they said it has not been three years since last modification, even in knowing that the debt to income would have been favorable because the debt would be wiped clean and I also had two cars voluntarily repossessed to improve the debt to income ratio.
5. Due to legal counsel and what XXXX wanted, it forced my bankruptcy payments to increase therefore I saw fit to let the chap XXXX be dismissed and best to wait the 180 days and file a bankruptcy XXXX. The chapter XXXX was dismissed in XX/XX/XXXX and in XX/XX/XXXX our new mortgage serving company was XXXX XXXX.
6. Even before the bankruptcy dismissal before and after, XXXX XXXX mentioned on numerous time to me that they can contact the VA and get the 3 years waived and get the modification packet and they never contacted the VA when I called the VA. I wish I would have gotten it in written. XX/XX/XXXX XXXX. Then in XX/XX/XXXX I filed a bankruptcy XXXX. The bankruptcy was successful and XX/XX/XXXX all debt secured and unsecured was discharged for except for the mortgage with Rushmore ( current servicing company ) and student loans.
8. Late XXXX, I found out that Rushmore was my new servicing company and once I contacted them they informed me that it was not a 3 year wait. I was told my them that the VA loans wait time between modification is one year or 3 years. I was denied a forbearance because I was not unemployed by Rushmore.
9. XX/XX/XXXX, after the chap XXXX was discharged I submitted another loss mitigation packet with Rushmor. I was informed XX/XX/XXXX. Via telephone and letter by Rushmore that I was denied a loan modification because my income to debt ratio to them was inclusive, which was a lie because they knew that all debt was discharged in chapter XXXX.
10. Then they were always aware of my increasein income of {$12000.00} to XXXX ( not including overtime ) a year because of my promotion to be a supervisor and this was made known in the loss mitigation packet. I submitted supportive documents. Just again to reiterate that I was told numerous times by Rushmore that I was misinformed that I had to wait 3 years.
Now from my understanding I thought that the past balance of what I owed for the mortgage was supposed to be discharge becaue no one argued it from Rushmore. That also throughout the whole process between XXXX, XXXX and Rushmore I had been lied to on how a loss mitigation packet could be approved and how long to wait in between a loan modification. Between XXXX and XXXX they have intentionally lied to me about how to get approval so they can get a foreclosure sale and for me to lose my home. With Rushmore sent a packet with the appraisal of my home in the middle of my packet review that I submitted with the intention of not approving the packet. They use the lie of insufficient income to debt ratio as an excuse to get a foreclosure sale knowing it was discharged.
Also if see attached files. Page 7 that I uploaded from the loss mitigation packet shows my income. When you look at there denial letter you will see they intentionally lowered my income reported to deny me. Also they lied about my debt because they knew all of unsecure and some secure debt was wiped out in the bankruptcy XXXX. They never took my pay increase with guaranteed bonus of XXXX dollars each year.
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| 08/02/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Please refer to my XX/XX/XXXX complaint against XXXX XXXX XXXX ( XXXX ) and the successor complaint against Rushmore Loan Management ( XXXX ) filed in XX/XX/XXXX. A brief recap follows : I applied for and was approved for XXXX XXXX special mortgage loan product called the XXXX XXXX XXXX. The amount of the mortgage was $ XXXX. This product was and is not a conforming mortgage ; it was directed at higher-credit customers. Terms were bi-weekly payments and a 5-year maturity. The rate was 2.55 % ; there was no index or margin disclosed. Beginning 6-months after the note date, XXXX committed to renewing the loan for additional 5-year terms as long as we met credit criteria. The Rate Renewal states : I may request and receive a Rate Renewal beginning six months after the date of the Note, as long as I meet all the credit and eligibility requirements in effect at that time. The credit and eligibility requirements may change at any time without notice. I understand that I may not receive the Rate Renewal if I dont meet these requirements. A Rate Renewal would modify the Note so that : ( 1 ) The annual interest stated in Section 2 of the Note would change to the annual interest rate in effect for XXXX XXXX loans being offered to the general public at the time of the request ; and ( 2 ) The Maturity Date stated in Section 3 ( A ) of the Note would change to a date that is approximately 5 years after the effective date of the Rate Renewal. The charge for a renewal is 2 bi-weekly payments ( much lower than a refinance ). We indeed executed a rate renewal and paid the 2 bi-weekly payments in XX/XX/XXXX to execute the Rate Renewal at 3 %. ( Even though the rate was higher, a HELOC lender stipulated that we first renew the XXXX XXXX XXXX. ) XXXX XXXX executed the mortgage business in XXXX and our loan was purchased by Rushmore. I had serious concerns about Rushmores ability to properly service this nonconforming loan and I was correct. I filed a complaint requesting how Rushmore was going to abide by XXXX XXXX original loan and rate renew commitments. Rushmore provided a response to the CFPB stating that Rushmore will be treating rate renewals as loan modifications, just as XXXX XXXX, XXXX. treated the last rate renewal in XX/XX/XXXX. The enclosed letter and Loan Modification Agreement state that if you want another rate change, you must request another Rate Renew. A fee is required if you renew your interest rate more than six ( 6 ) months from your New Maturity Date. Interest rates, eligibility requirements, and costs can change at any time. Enclosed is a Borrower Assistance Application, should you wish to apply for a loan modification.
However, one would never know how Rushmore would actually execute on their end until we actually requested a rate renewal. A large part of my prior complaint was that XXXX XXXX had a proprietary pricing engine that provided rates much lower than market based on strong credit characteristics and the shorter duration of the mortgage. So given the precipitous drops in rate today, I determined that today would be a good day to pursue my rate renew option as promised in the response to me and the CFPB.
My fears were realized. Their earlier letter stated they would be treating as a modification. They are treating this as a modification to a troubled borrower, not as the high credit product it is. Today they said the renew rate would be between 4 % - 4.5 %! This is preposterous and violates the letter and spirit of the original product. The 4.5 % rate quoted is 1.5 % HIGHER than the current 15-year rate of 3 %. As a frame of reference my February 2016 renewal was at 3 % and the 15-year rate at the time was 2.96 % ( I have provided web proof of these rates ).
I knew this was going to happen. Rushmore has no way of replicating XXXX XXXX proprietary pricing engine. Shame on everybody for not giving my first complaint due consideration.
The proper remedy should be to permit my wife and I to rate renew for the contractual cost of two payments at a rate of about 3 % for another 5 years as permitted by my loan contract.
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| 07/19/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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The original loan amount of XXXX started with XXXX XXXX in XXXX. The questionable loan balance of $ XXXX was transferred to Rushmore in XXXX of XXXX. with my payments to Rushmore over the life the loan, the balance fluctuated respectively to $ XXXX XX/XX/XXXX, $ XXXX XX/XX/XXXX, $ XXXX XX/XX/XXXX. with no itemization of hidden fees and charge, depending who you talk to the balance id different each and every time. Rushmore refuses to sit down with me in person to hash this up for good.
XXXX XXXX, the VP of mitigation at Rushmore ( nice guy ) has been my only contact over the years regarding the ups and own of my life. They mailed a DEBT VALIDATION NOTICE, which I disputed in wiring. While XXXX and I were executing our mutually agreed upon course of action, and now pending out court hearing on XX/XX/XXXX, they preemptively filed NOTICE OF DEFUALT on me.
MUTUALLY AGREED UPON ACTION PLAN From : XXXX XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : 'XXXX XXXX ' Subject : RE : [ EXTERNAL ] Call ACTION PLAN Hello Mr. XXXX As mentioned on our call today, its always good to talk to you, here are our takeaways : 1. Youre going to provide me with a dispute letter regarding the Credit Bureau reporting and the details behind what / why is being disputed a. I will provide you with my address to send the dispute XXXX XXXX XXXX XXXX. XXXX CA XXXX ( please send to my attention ) b. You will also include your updated mailing address in the dispute 2. I will request the Payoff amount a. Which I should have in about 3-5 days b. I will email a copy and send via mail once you provide me with your updated mailing address 3. I will speak with the investor and request if they are willing to offer a Modification without documentation a. Special request to see if they can consider extending the Modification term out to 15 years instead of the old one which was 7 years to maturity ; noting that you dont have any down payment for consideration at this time b. I have attached the Borrower Assistance application I sent you on XX/XX/XXXX ( if you cant download/view it, please let me know and I will mail you a copy ) in case the investor stands firm on requiring a complete package to consider you Additionally, I know I mentioned the Foreclosure will stay on hold until XX/XX/XXXX to provide time to get a complete package submitted. Once the complete package is received, we will place the file on hold for underwriting to review.
In the interim, Ill work on my takeaways and ask that you keep me updated on yours as well.
Please let me know if you have any questions or if I missed anything.
Thank you in advance XXXX XXXX XXXX XXXX XXXX XXXX From : XXXX XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Cc : XXXX Subject : Re : [ EXTERNAL ] Call URGENT UPDATE Greetings XXXX, To date, Item 1, dispute on the loan was faxed to you and certified mail to you via USPS XXXX XXXX XXXX XXXX XXXX. However as you indicated such status has not been reported to the credit agencies. My new lender informed you this morning. Please update and provide proof so I can seek new lender.
My new address which was mailed to Rushmore while back, was sent to as well.
Item two, the payoff amount however incorrect was received, QWR Written request was mailed to you via USPS certified XXXX XXXX XXXX XXXX XXXX and received by you with no response to me to date.
Full account ledger is still pending for the life of the loan.
Extended loan medication for 15 year has not reached me as of today.
Please provide me with the full discernable account ledger for the life of the loan and new extended and modified loan doc so we can conclude this. All of agreed but unfinished action items on your part will be brought up to the attention of the court. I prefer to do the ground work while we have time.
On a last note, on several occasions, I have indicated to you that you and I have entered into a written agreement and as such no third party will be recognized nor any associated cost will be agreed to nor be covered. I invite you to continue working with me directly.
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| 05/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I was informed by Rushmore Loan Management Services loss mitigation dept. representative who identified himself as XXXX XXXX. As of XX/XX/XXXX my house is in active foreclosure due to my account being delinquent for non payment. Although I have made all my monthly payments and continue to make my monthly payments Rushmore Loan Management Services has and is wrongfully rejecting my payments.
This particular issue began XX/XX/XXXX when Rushmore Loan Management Services started refusing my monthly mortgage payments. My account was not delinquent at that time. I paid each month and they accepted, processed and credited all payments until XX/XX/XXXX. I received a letter of delinquency and notice to foreclosed dated XX/XX/XXXX. I called and spoke to XXXX XXXX ( Rushmore loan Management Services loss mitigation ) who was and still is assigned to my account as the point of contact. He stated the last payment received and credited to my account was in XX/XX/XXXX and my account was over 120 days past due. I informed Mr. XXXX the payment information was incorrect and I had my bank statements as proof of payments. After a lengthy unsettling conversation with Mr. XXXX, we discussed the accuracy of my account. Here are the details on how my payments was credited then discredited and I was put in default by Rushmore Loan Management Services.
On XXXX XXXX I dismissed my Chapter XXXX bankruptcy case with Rushmore Loan Management Services for which I will briefly discuss only for a clear understanding to this complaint. {$7300.00} was the alleged amount remaining after the dismissal of my chapter XXXX bankruptcy case. Rushmore Loan Management Services took the remaining balance {$7300.00} and divided it by my monthly mortgage payments {$1400.00} which equaled 5. With that Rushmore Loan Management Service took 5 months of my already paid monthly mortgage payments and used it to clear the {$7300.00} balance. Then they uncredited my account for those months which brought my account in a delinquent status for over 120 days. Therefore putting my home in Jeopardy for foreclosure and allowing excessive fee 's to be charged to my account. Rushmore Loan Management Services claimed they refused my monthly payments due to nonpayment. In early XXXX - early XXXX Rushmore Loan Management Services held {$1000.00} of my funds in a suspense account. Since a suspense account was provided to my account and suppose to temporarily hold and used mortgage related funds towards the mortgage account.
Why wasnt this amount applied to any alleged past do payments to help bring the account current. My goal is to keep my home. If Rushmore Loan Management Services feels that they have the right to collect on the alledge remaining balance from the Chapter XXXX case then address that amount honestly. Do not disguise that amount under the deception that I was behind on my monthly payments then intentionally deprive me of my property. If Rushmore Loan Management Services would have not have deliberately misrepresented the facts to enrich their own expenses this could have been resolved. Rushmore Loan Management Services can twist the truth with legal terminology upholding their actions of predatory lending practices. But the facts are my bank statements proves my payments and it has to be a strong coincidence that the remaining balance from my bankruptcy case {$7300.00} divided into my monthly mortgage payment {$1400.00} equals 5 the exact months deducted from my last payment. As the borrower we are held responsible for every small, large, hour, minute or second regarding our loan. As consumers, we should not suffer the financial burden and mental abuse when a lender makes mistakes. From the beginning with Rushmore Loan Management Services in XXXX its been one mistake after another and I was left paying the fees and suffering the penalties that accumulated. This is why im fighting back now, I took on what should have been Rushmore Loan Management Services responsibility and I suffered a great financial lost, pain and suffering I know longer want to be victimized.
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| 08/06/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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I had made arrangements with my suppose to be my contact person at Rushmore loan management services with XXXX XXXX at XXXX the 3rd contact person, and the only one i had a problem with. This all started when i knew i might have a problem and i called in to tell her, but she was not there so i spoke to another person who told me what to do. Since i do not get monies until the XXXX wed of the mothe, i was to send my payment in the day after with the late payment, which i had been doing. Before this contact person when my loan was taken over by Rushmore, i made all my arrangements with the first person who had the patienct to go over the whole year to see what dates were the second Wed, then told me it should not be a problem as long as i sent the late payment with the payment. This worked ok because i always sent it by XXXX XXXX , which got it to Rushmore asap. I tried telling this to XXXX XXXX , but she did not want to hear it. So I did this same routine in XXXX and XXXX , only to have her hold my payment and would not post my payment for 2 weeks, which made it looked like i did not send my payment. I did not know this until i receive a letter from XXXX XXXX , So i called my contact person to see what was going on, and she said XXXX XXXX took 4 days, and i knew then she was lyeing, i pay all my bills thru XXXX XXXX and it gets there in minutes not days as she said. She was so rude, that i told her i did not want to deal with her anymore and i wanted to speak to an excutive person even a supervisor. She told me there was none. Then she kept calling me and over and over again i told her this and i refused to even talk to her. But i kept trying to find a supersior, but could not get anyone to give me that information. So anther women named XXXX XXXX from XXXX so by me not knowing who this was i called her back and left message on 3 diffrent calls, and she did not call back, i guess after i tolk her what the problem was and that i would talk to her, but she also would not call back.After all this XXXX XXXX kept calling me some time up to 4 times a day. If they have a good IT person they can find those tapeing our conversations and also my messages because i do know if you think you have deleated them a Good, Good IT person can retrive them, I finally called XXXX and spoke to XXXX XXXX who put me thru to a supervisor name XXXX XXXX and left him a message about what was going on and he has never returned my call. After all this game playing i called XXXX and XXXX attorneys XXXX who gave me this site to summitt an complaint. The antorney i an talking with name is XXXX XXXX XXXX . I told him this might cause me to lose my home, but maybe it can help others having the same problem. This XXXX XXXX knew just how to make it look as if that payment was not paid. when you hold a payment until you want to make like it was never sent, what other reason would you do it. I ask her why and her answer was it took 4 days to get there, and i said that 's funney it was always posted by the time i got back home She did this on purpose and this started a downward problem, because she knew i would not deal with her.. This is not a game, this is someones life and to engaged others in your game should be addressed. I told her over and over and over that i did not trust her to do the right thing and i wanted to speak to an excutive, not her. She just laugh. It took me a long time to finf out what to do, because Rushmore needs to be sued to have a plan that consumer like me can not get thru to someone over them I am so glad that this law firm has handle Bank/ Lender Misconduct . I think that thease contact people think they have all the power over people who already is trying to take care of ther problems. I do not want to do a bank rupsey, but if so i will, all i wanted to do was try to get back to my payments and one time half payment should not have ended like this especially since i called first about my emergency.
Thank you very much
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| 04/26/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I 'm currently in default because they made a mistake in the reinstatement amount to bring me current in XXXX . I got a loan for almost {$30000.00} to cure the arrears. I submitted a complaint shortly after but their response was bogus and held them not responsible. I would n't be in this position if they had provided me an accurate amount and because they did n't, they increased my mortgage payment to reflect the difference. I ca n't make more than my normal mortgage amount of $ XXXX . They keep raising it to suit their needs and I ca n't afford to pay more. They set a sale date of XXXX XXXX nd I had to declare bankruptcy Ch XXXX to stop the sale. Right away I submitted a modification packet in the hope they would modify my loan to an amount lower than I used to pay or k eep it at {$740.00} and cancel the arrears so I can continue to live in my home. I feel they should make it right from their error the year before with the reinstatement fiasco. Shortly after submitting the mod packet, I called them to make sure they received it and I was told by XXXX , that it had been denied due to lack of paperwork and that my hardship was n't viable. He kept saying that nothing changed. He 's right. My salary has n't changed which is why I ca n't afford their constant increases. I could n't believe it. I want to stay in my home and I 've done everything to try to comply. There 's no reason they should n't allow me to stay. I 've lived there for 10 years and it has been a constant struggle with them and that its been underwater the entire time, I was a victim of predatory lending and then the housing crash. I did n't ask for any of that. This home was my retirement. I have nothing without it. I 'm XXXX and I have no savings, and if they get their way, no house and no future. I 'm not being dramatic. It 's true. I ca n't even afford rentals in my area. I will truly be homeless and they get to manipulate the law and servicing rules to suit their needs. They have broken so many rules and policies that it 's sick. I 've attached some information and highlighted in yellow the rules they are breaking. In getting back to the denial of the mod packet, I still have n't seen in writing why they denied. I 've called 3 times and each time talked to some XXXX different and each time as usual gotten different information. I make decisions that are crucial to me and my financial security based on wrong information they give me. I was about to cancel my bankruptcy because of the denial I received verbally and now I 'm being told that it has n't been reviewed. I talked with them today and I was told that the mod packet I recently submitted right after the bankruptcy was n't considered because they felt nothing changed from this packet to the XXXX I submitted last year so they just denied it. I probably would n't have done the XXXX thing if I 'd known they would handle it that way. They have to completely review all applications as if it were my first or my tenth. They do n't. They make up the rules as they go along. I know I 'm rambling on but I 'm so sick of repeating this story that I get physically ill. I got a letter last week that informed me they have a sale date on my home also. Is n't it illegal to do that if you 're in bankruptcy? I ca n't find the letter I just got with the date, but I listed it initially as XXXX and I will verify that. I have a stay yet they get to file a sale date? Somebody has to stop them and let me keep my home. I just want this to end. I 've wasted so much money defending myself from their illegal practices just to keep my home. I will not leave and will do everything to protect it. PLEASE stop them and make them stop. I have n't had access to my online acct. for over a year. They wo n't send me paper monthly copies either. That 's a violation also. How can I properly enter into the bankruptcy if I choose to continue with a monthly payment amount if I ca n't first verify what I owe. I wo n't take their word for it. I need access to my account.
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| 06/12/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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Dear Consumer Financial Protection Bureau, CFPB : This Complaint is against Rushmore loan servicer ( prior loan servicer XXXX XXXX XXXX ) and XXXX XXXX XXXX ( both of who are debt collectors ) for which I, XXXX XXXX XXXX OWE NOTHING. I want XXXX
ushmore and XXXX XXXX XXXX removed from My Credit Report because they are negatively impacting my credit for debt that should have been removed because 7 years have elapsed. In addition, XXXX XXXX XXXX informed me they were writing the alleged debt off, and would mail me a XXXX, which I have not received, instead XXXX XXXX XXXX and rushmore collude and interfere with each short sale, sheriff sale, foreclosure, deed in lieu of foreclosure, relocation incentives, etc, and elect to harass and stalk me. I want them to move their XXXX ONWARD with their delusions of being in control. XXXX XXXX XXXX and Rushmore loan servicer ( prior loan servicer XXXX ) who works for lawyers XXXXXXXX master participation trust ( lawyers specifically XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX new jersey XXXX, Phone XXXX, AND XXXX XXXX XXXX ) are encroaching upon my rights and interfering with my VERY IMPORTANT SAFETY, Livelihood, Well-Being, and their collection tactics are legally defined as harassment because they are being unrealistically unreasonable with each closing : ( 1 )XX/XX/XXXX XXXX XXXX XXXX new jersey XXXX XXXX and XXXX XXXX : legally binding contract short sale for {$90000.00}. XXXX XXXX XXXX tortuously interfered with the closing. ( 2 ) XX/XX/XXXX XXXX new jersey XXXX XXXX and XXXX XXXX. BANK APPROVED SHORT SALE FOR {$50000.00}. XXXX XXXX is in breach of contract for which lawyer judge XXXX XXXX of XXXX superior court is not adjudicating fairly. ( 3 ) XX/XX/XXXX XXXX XXXX new jersey XXXX XXXX XXXX with XXXX XXXX. Legally binding contract {$60000.00} and counter offer {$65000.00}. ( 4 ) XX/XX/XXXXXXXX XXXX new jersey XXXX XXXX with XXXX XXXX. Legally binding contract {$50000.00} and counter offer {$53000.00}. The last brokers price opinion, BPO, in XX/XX/XXXX valued the house at {$65000.00} AS IS, and there have been no renovations to the property since XX/XX/XXXX-XX/XX/XXXX. Each time XXXX XXXX XXXX or the loan servicer tortuously interfere with the closing or contract, they fraudulently conceal, and buyer XXXX XXXX is in breach of contract. For example, rushmore is unrealistically and unreasonably negotiating abysmally on a property that has been vacant since approximately XX/XX/XXXX, vandalized both exterior and interior, electrical, plumbing, and heating cooling systems vandalized CONFIRMED AND VERIFIED, just to name a few of the problems with XXXX XXXX XXXX XXXX New jersey XXXX. Several licensed realtors have confirmed the vandalism and property damage to XXXX XXXX XXXX XXXX New Jersey XXXX of a disgruntled, filthy and delusions section 8 tenant-XXXX XXXX XXXX XXXX. They have opted to continuously send me bills and invoices for which they could have easily remedied since XX/XX/XXXX. I WANT THEM REMOVED OFF MY CREDIT REPORT : They refuse to close on a guaranteed short sale CASH PAYOUT, they refuse to foreclosure, they refuse to deed in lieu of foreclosure, and they refuse sheriff sales, they need to MOVE THEIR OLD XXXX THE XXXX ON. I want them removed off My Credit Report and Away from Me because they are harassing me and adversely reporting negatively on my credit report trying to give the appearance that I am not responsible and not credit worthy when that is a lie ( THEY ARE GRAVELY AFFECTING MY VERY IMPORTANT/GENTLE SAFETY ). The property is a result of predatory lending and should not be in my name. They have ( XXXX XXXX XXXX, rushmore, XXXX participation trust, and XXXX XXXX XXXX XXXX ) have become desperate, trifling, and criminal in their failed attempt to collect on a debt I DO NOT OWE, and they need to MOVE THEIR XXXX XXXX XXXX XXXX Sincerely and Respectfully, XXXX XXXX XXXX Phone : XXXX XXXX : CFPB COMPLAINT ON RUSHMORE, XXXX, XXXX XXXX XXXX, XXXX PARTICIPATION TRUST, AND XXXX XXXX XXXX XXXX ).
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| 08/31/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Following are details about my situation.
I bought a house in XXXX XXXX, NJ and the mortgage for the house from XXXX XXXX in XX/XX/XXXX. Since then my mortgage serviced by XXXX XXXX for a couple of months then got sold to XXXX XXXX, and Since XX/XX/XXXX being serviced by XXXX XXXX - this is when the problems started occurring.
I have a fixed rate mortgage.
When my mortgage was with XXXX XXXX and XXXX XXXX, my monthly payments were {$2800.00}.
Rushmore Loans tried increasing the payments to {$3600.00} in XXXX of this year. I called them and asked them why - they were not able to give me a good explanation, and then brought my payment down to {$3000.00}.
They again increased the payments again to {$3500.00} in XX/XX/XXXX. Unfortunately, I have been traveling Internationally and did not get a chance to dispute this increase.
Once I got back stateside mid-XXXX, I got in touch with them and inquired as to why they increased my monthly payments. Their initial answer was that my property taxes have gone up from XXXX, the reason for the increase. I got in touch with XXXX XXXX ( XXXX - who is their tax assessor ) and she told me that in fact, my taxes had gone down from XXXX. This information is also available on XXXX XXXX 's website.
I called Rushmore loans back, customer service stuck to their story of my taxes going up. After pushing them, they finally connected me to the tax department who acknowledged that that is not the case and agreed to do an escrow analysis. We agreed that we will revisit this after the analysis.
After nearly a month I reached out to them again ( Begining of XX/XX/XXXX ), and they told me that their escrow department has rejected the request - saying that taxes have gone up. This time I asked to speak to a supervisor, who again brought in the tax department on the line and we went back and forth for more than an hour. Finally, this time the supervisor ( XXXX XXXX - his ext at Rushmore Loans - XXXX ) took on the responsibility and guaranteed that the escrow analysis will be done.
On XX/XX/XXXX - I got in touch with them and asked about what is going on. They told me that the analysis was finally done and that there was an error on their end, the new payment is {$3100.00}. It included an escrow shortage of {$200.00}.
When looking at the monthly payments ( principal + interest + insurance + PMI ), that I have been making since the beginning - there is no reason for an escrow shortage. I have talked to them multiple time now, and they keep saying it is in the escrow statement, but there is nothing in there that shows a shortage. In fact, there was a refund of {$2500.00} from XXXX XXXX from last year 's payments they made for taxes.
When I investigated online, it looks like other consumers have also faced this issue with Rushmore Loans. Where Rushmore has told them that there is an escrow shortage without any information.
In all of this, I also got in touch with the initial agent from XXXX XXXX who sold me this mortgage ( XXXX XXXX - p # XXXX XXXX XXXX ). Initially, when he looked at all the numbers and this increase - he told me that something is not right in the way Rushmore Loans is handling this mortgage and that there is no reason for this increase. Since then, I have been trying to get in touch with him, but he has not gotten back to me.
I have no doubt in my mind that there is some sort of fraud going on at Rushmore Loans. They have been charging me extra since the beginning of this year, without providing any good reason what-so-ever. And have repeatedly given me the reason that my taxes have gone up when I have proof from XXXX XXXX that it has not.
I have asked Rushmore Loans for documentation showing my escrow is in negative, and they have failed to provide that.
I am attaching : 1. XXXX XXXX 's tax bill/payments - which shows the lowered taxes from XXXX - XXXX. Same details are available on XXXX XXXX XXXX I can provide any other documentation as needed.
I hope this gives you enough information to take action.
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| 11/23/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
Older American |
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My {$0.00} balance Home Equity Line of Credit was sold in XXXX, XXXX by XXXX XXXX to Rushmore Loan Management Services of XXXX, CA. I was never late with a payment and the loan was paid off in XXXX. I kept the line of credit open in case of future catastrophic financial needs.
After reading online reviews of Rushmore ( XXXX XXXX XXXX ) I decided to close the loan in XXXX, XXXX and contacted Rushmore.
*Rushmore said I had a {$50.00} processing fee due and that I needed to pay the fee and send a separate letter to close the account ; the agent said the account could then be closed within 5 days. I paid {$50.00} by check ( which was cashed by Rushmore on XX/XX/XXXX ) and sent a certified return-receipt letter to close the account ; Rushmore signed acceptance of letter on XX/XX/XXXX.
In XXXX I received a monthly {$0.00} balance statement showing the loan as still open. I called and was told I had been given incorrect information and that the agent would be sending me the appropriate paperwork to close the account. Rushmore did not send any paperwork.
*In XXXX I got another open loan statement and called again. The agent I spoke with said he could see my prior two requests in his system but that both requests had been " rejected by the company '' - no communication to me nor recourse had been provided during the period from XXXX - XXXX. I asked to speak to a manager and was told that " all managers are in a meeting and unavailable ''. He said I could go online to initiate the closure process. With him on the phone I went online to my account, followed his instructions and explained to him that the menu option he told me to use was not on my drop-down list ( prior to retirement I worked in XXXX XXXX for 35 years and know how to maneuver through a website ). He said " oh ''. I was then told there is a lien on my house ( both the equity loan and my house are paid off ) and that I had to pay a " lien fee '' to get my account closed. The agent said that the fee was not a fee incurred from Rushmore but from the county in which I reside ( I live in the District of Columbia which is not a county ) .The agent said he was not permitted to reveal the fee to me over the phone but that paperwork would be to me no later than XX/XX/XXXX and that I would have until XX/XX/XXXX to pay the fee by certified check only ( which is, of course, untraceable after it leaves my hands so I would have no proof of payment ). However, no paperwork came on XX/XX/XXXX. When I called again I was told that paperwork would be to me no later than Monday, XX/XX/XXXX.
*It is now XX/XX/XXXX ; since XXXX the only written communication I have had from Rushmore is the monthly {$0.00} open loan statement. I have consistently been given incorrect and misleading information. Rushmore will not close my loan nor will they provide me any process by which to do so.
I am very concerned that Rushmore is accruing hidden fees. I am also very concerned that, should my account be compromised and funds stolen, I would have absolutely no recourse with Rushmore. I am very concerned that if I finally do get notified of a fee amount and send a certified check my loan will still not be closed and that I will have no proof of payment nor will " lien '' be removed. Finally, I am concerned that Rushmore could somehow negatively impact my sterling credit rating. I am a XXXX year old retired single woman who has worked very hard to attain a sense of security in my reclining years. I feel extremely vulnerable to Rushmore. I actually feel that I am being held hostage by this company who consistently gives me incorrect information and who refuses to close a loan on which there is {$0.00} balance. I have reported this to XXXX XXXX where the loan originated ; XXXX XXXX told me that after a loan is open XXXX years there are no associated fees with closing the loan. I have also contacted the DC Department of Aging Legal Services and will be contacting the DC Department of Insurance , Securities and Banking.
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| 06/01/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
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I have a FHA loan and the servicer is Rushmore Loan Management. My home was involved in a natural disaster ( tornado ) on XX/XX/2019. The morning after, I called the loan company to advise. Because we had some other unfortunate events, our homeowners insurance had dropped us and we were looking for another insurance. So we had forced placed insurance with XXXX XXXX XXXX. About a week later XXXX XXXX sent an adjuster to the home who felt the home could be repaired. Shortly after XXXX XXXX sent {$83000.00} as an insurance payment. The least expense quote we received to fix the home was {$300000.00}. We had a two story home over 3,000 sq ft and the tornado took off the entire top story and the home is now full of mold. Needless to say, a year later and the home is not fixed and Rushmore has the insurance money in escrow.
We never dealt with a natural disaster and did not know you could appeal the insurance amount. Before the tornado, our house payments were current. Rushmore failed to explain any home retention programs, including offering a short sale.
I have also recently been made aware of the FHA 203 H loan program for MI Insurance for Natural Disaster Victims that would allow for people who lost their homes due to a tornado to reconstruct their home or purchase a new home.
Rushmore failed to advise that this was an option to save my home and rebuild.
I have been approved for the FHA 203 H program and want to rebuild my home, but when I call the servicer NO ONE can help. I have been transferred to the insurance department. The insurance department transfers me to customer service. Customer service transfers me to the insurance department, and my home I am trying to rebuild on is in the process of a foreclosure sale, date pending.
I need to know how can I rebuild my home using a 203 h loan when the current fha loan is in the process of being foreclosed on?
Make matters worse, the principal balance is around {$96000.00}, the coverage XXXX XXXX XXXX was covered for, was {$97000.00}. The insurance deducted depreciation of {$10000.00}, and they are foreclosing on ME when the LENDER placed the insurance on the property. Instead of using the funds received, going after the insurance company and deeding the property to me ( the $ XXXX is way more than what they would get in a short sale ), they are spending over {$20000.00} to foreclose.
When my home was damaged, due to the extensive damages and we were in the home, we got a lot of news coverage. We live in a predominately XXXX community, and when you look at my community, there is still a lot of rebuilding to do. However when you go to the more affluent and predominantly XXXX community, it does not look like there was ever a tornado.
Rushmore sent me a letter and it stated that they wanted to help me save my home, and would consider deeding the property to me. When I called them, they told me that the letter is only to get me to call in, and that they are foreclosing on the property. Dealing with the tornado and mental issues behind it, that was cruel.
I have tried with the mortgage servicer, HUD, the insurance company, and all I want to do is have them apply the money they have, deed me the property and allow me to rebuild but they want to foreclose when they have more than enough and the loan is insured. I feel like Rushmore should be fighting with XXXX XXXX because the lender placed the insurance and XXXX XXXX did not pay out enough.
At this point, I have written this letter and sent it to CFPB, HUD, Rushmore, and my local news stations. It has been a year later, and I do feel like if my home was located in a different location, not majority XXXX, I would not be having these issues. I will be contacting the media to bring awareness, I am sure there are many more going thru my situation in my part of town, and consider litigation as I feel this is discrimination how they are treating people in my city vs predominately XXXX areas.
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| 10/28/2022 |
Yes |
- Debt collection
- Mortgage debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Servicemember |
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My parent 's house is currently in a foreclosure battle with Rushmore XXXX Services.
Their contact information is at follows : XXXX XXXX XXXX XXXX XXXX, CA XXXX www.rushmorelm.com ( XXXX ) XXXX My parents loan is owned by XXXX XXXX XXXX XXXX XXXX not in its individual capacity but solely as trustee for the XXXX XXXX XXXX XXXX XXXX is the current owneXXXX of the loan. The address of the owner of the loan is as follows : XXXX XXXX XXXX XXXX XXXX MN XXXX The auction date of my parents ' home is scheduled for XX/XX/XXXX so the timeless of their response, is of most importance. I was not made privy to any of this information until XXXX XXXX.
I have requested that emails be sent over I correspondence about what has still be needed and although that email was promised to be sent over to us by last Friday XX/XX/XXXX no email was ever submitted. The full completion of the packet after numerous emails and phone calls with them was sent over with all verbally requested items on Thursday XX/XX/XXXX. I called them on the XX/XX/XXXX to confirm that they received the packet via email. They said that they had received the email that day and were processing and uploading the application that day. I as told to call back on Monday XX/XX/XXXX. I called on Monday XXXX and was told the application was " just received that day and that it was still processing and to call back no later than Wednesday XXXX. '' I called back on Wednesday XXXX and was told that there were still missing documents that were never cited before bank statements for 4 months to date ( the application calls for 3 and for the current month, which is also not cited, as well as a copy of my mother 's XXXX which they already had in their possession as it was in the copy of her tax return sent. I was then told that although, these materials were still needed they they had closed the application because of a time restraint on the application process and I had to send over an entirely new application.
We never received the promised email nor a letter stating any of the missing elements still needed and were never told in any of the multiple conversations that if past a certain window of time an entirely new application would need to be filed. The refiling is ludicrous because all of the information is in their possession. My father is XXXX and does not have the XXXX XXXX to gather this information, fill out the paper to do this filing or to pay for the printing and posting cost. If I were not here to assist in the process, my parents without a doubt would have lost their home.
Rushmore has been made aware of his XXXX and still have not taken his XXXX XXXX into consideration I refiled the application late Wednesday XXXX evening and overnight shipped by parent 's tax returns to Rushmore on XXXX. I received a direct email from a Rushmore employee today letting us know that XXXX XXXX is currently the owner of the loan and that the application had been received. XXXX XXXX had previously been the company who owned the loan. This email was not sent until after, I had informed that I would be filing a written complaint with the CFPB and that I was requested a non automated email back from them acknowledging that that application had been received.
I have worked for banks and in social justice for the past 20 years. Negligence in this type of mortgage matter especially when dealing with the XXXX and those with XXXX is an invasion of civil rights. I understand that this is " standard procedure, '' but it feels like a lot of smoke and mirrors and/or an extreme lack of communication between the departments receiving, underwriting and customer service.
My parents are XXXX XXXX XXXX and have been living in this home since 1993. The thought of them having to sell their belongings and leave their home because of financial strife in the pandemic and not having the capacity to file these applications in a timely manner is heartbreaking - inhuman and unjust.
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| 10/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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We feel we are getting scammed/forced out of our home by the company that now owns our mortgage. We refinanced in XXXX and what a mistake. Our mortgage has been " sold '' 6 times since then. We now owe more than when we bought the house and we've been here almost 30 years! Rushmore Loan Management/XXXX XXXX XXXX XXXX . This has been going on for a while now. We've requested assistance multiple times and the solution has always been to raise our mortgage payments to get " caught up. '' We agree to these impossible solutions, just trying not to lose the home we've raised our XXXX in and soon our XXXX. This company takes at least 30 days or more to respond to any questions or requests. They constantly tell us we're not sending all documents requested, when we are. We keep resending what we've already sent and then finally after months receive letters stating they have received everything. It's funny because we keep sending the same documents. Most recently is the request that I am supplying documents of correspondence. Rushmore states our mortgage was sold to XXXX yet all correspondence and payments still go through them. Do they think we don't understand what's going on?
We've been sending letter after letter since requesting assistance and we either get a runaround about waiting for a decision or we get no response at all. We received a letter in XXXX stating " all documents received and assistance package was complete and we would get a response in 30 days. '' We sent emails to the email provided to upload documents and sent letter after letter asking for status. We finally heard from Rushmore with a brief response that stated, " The company that owns your mortgage has declined your request for forbearance. '' This letter was dated XX/XX/XXXX and we didn't receive it until mid XXXX. We responded immediately that we didn't ask for a forbearance, we asked for assistance and received a letter that stated all options available to us will be given after review of documents. We asked them, in writing, to put all past due amounts to the end of the loan and bring current and to not make our payments more than $ 1000 monthly so we can pay with one paycheck if needed. The pandemic has obviously made things worse for everyone and we have separated due to all of the stress this has brought us. We've sent letter after letter stating we can't pay the $ 1500 monthly required. We were told no to the $ 1000 monthly. We keep telling them we don't know how much to send since their paperwork states we can not send partial payments. The real issue is that this company/companies have made this worse and worse by not responding. We really feel like they're trying to make it impossible to stay here so they can foreclose on our house, knowing we'd be unable to afford a lawyer or the exorbitant amount monthly they're trying to get from us. We are just 2, what used to be middle class but now isn't, people working paycheck to paycheck to make ends meet. Separating has made it worse but XXXX is willing to help XXXX stay in the house for as long as possible while we work on fixing our 33 year marriage.
There is so much more to this story and we have file after file filled with paperwork. While in the review process, we get letters stating our mortgage is behind and if we need assistance to fill our this whole package they send. We send letters back stating we've already done that and in review. It's like multiple departments are not seeing what is going on. It's a nightmare! We don't know who to turn to anymore but know we're not being treated fairly. XXXX has told Rushmore the lack of communication and the way our mortgage is being handled is unacceptable. They don't care, they just want our house. What can we do? Who can we turn to? We're about to be homeless as we can't get approved anywhere and the low income apartments have 2 year wait lists. Someone has to be able to help semi elderly people to not lose their homes!
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| 04/29/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/2019 I received notification dated XX/XX/2019 from Rushmore Loan Management Services LLC ( Servicer ) that they the servicer are requiring a copy of the Hazard Insurance Policy on my condominium. I called the phone number indicated on the notification, and spoke to a representative who instructed me to upload a copy of the Master Indemnification Policy declarations page to the system indicated in the notification letter. I at that time, not only indicated to the agent on the phone that I needed to request that information from my HOA / property management company and as well that the requirement for Hazard Insurance is a LENDER requirement and NOT a servicer requirement. The agent then indicated that they would need to research. Upon receipt of the declarions page form my HOA / management company on XX/XX/2019, I uploaded this information to the system as I was instructed. On XX/XX/2019, I received notification via email that my insurance information was successfully verified which read as follows : " This message is to acknowledge the successful verification of the insurance information, that you provided at XXXX.
Thank you for your assistance. Please remember to include the reference number that appears on your letter, on all future inquiries. '' On XX/XX/2019 I received a letter dated XX/XX/2019 indicating that Rushmore has not received my insurance information and was going to force place insurance of NOT my choosing at a much higher premium on my property. I again reiterate ( as per above ) my insurance information which includes ample proof of insurance was received and acknowledged by Rushmore via email indicating " successful verification '' on XX/XX/2019.
I attempted to call Rushmore Loan Management Services on XX/XX/2019 but their office was closed. I attempted to contact Rushmore Loan Management Services LLC again on XX/XX/2019 and spoke with an agent named XXXX who indicated that they needed proof of property insurance and that they are " force placing '' insurance which is at a much higher rate. I informed her that I sent in that proof, would send it again and that I had already received an email indicating " successful verification of the insurance information. '' XXXX said that they NOW needed a different type of insurance as they did not have verified insurance information on my property. Again, they do and have acknowledged via their system. I offered to send this information again. XXXX indicated that that would not matter as they would not remove the flag on my account to " force place '' insurance as it was not verified. Again, this is untrue as I explained, I received notification of verification and as well, she acknowledged receipt of the insurance information as she was looking at it on her computer screen and would not remove any force placed insurance or system flag.
Rushmore Loan Management Services LLC is obviously trying to profiteer by charging consumers for much higher insurance premiums from their contracted insurance carriers as they are NOT accepting the consumers compliant, complete and satisfactory insurance that is provided. They as well, do NOT understand how condominium associations function and master indemnification insurance as required by HUD. They have an received is acceptable insurance coverage as required multiple times. My condominium complex is a HUD, XXXX XXXX, XXXX XXXX, FHA and VA approved property.
Rushmore Loan Management LLC is intentionally rejecting sufficient insurance that is legally binding to illegally charge me for a HUGELY expensive insurance policy by a provider of their choosing from which they are profiteering. This underhanded and deceptive practice needs to be immediately cured and my insurance needs to be accepted as again, it is sufficient coverage and has been by every lender / servicer for the 15+ years that I have owned my property.
Please help.
Thank you, XXXX XXXX
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| 05/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Our problem is with Rushmore Loan Management who just took over our loan about a month ago and have immediately scheduled a foreclosure sale for XX/XX/XXXX. We bought our home in XXXX, NH with a mortgage loan from XXXX XXXX about 15 years ago. My husband, brother and XXXX grandkids live here with us. We went through major medical and health issues a few years ago and began struggling with our mortgage payment. When we started to get back on our feet XXXX XXXX hit our family and my husband had to take a leave of absence from his job. We reached out to XXXX to see if we get help from any of the government forbearance programs or talk about modification but they said they could only help us if we paid back all of the late payments at once. Over the last year our financial situation has stabilized and we are in a good place and able to make a fair monthly mortgage payment. We recently found out that our loan had been transferred to RushmorXXXX. Shortly after that we found that they had scheduled a sale date. Isn't there supposed to be some type of grace period when your loan transfers from the original lender XXXX XXXX to a different company? We have called Rushmore several times to see what is going on and if there are any programs that could help us and they are very vague and tell us maybe. We have never been reviewed or considered for any Covid 19 forbearance or relief programs. We have never been reviewed or considered for any modification or restructure programs. Isn't Rushmore supposed to see what our current financial situation is like to see if this can be fixed?? it seems like they take over the loan and then set up an auction. We tried to look up Rushmore and it does not appear that they are licensed to service loans in the State of New Hampshire. It also says on their website that if your family has been impacted by Covid that they will help to put you into government CARES programs or other options.
These problems with the mortgage were beyond our control. A few years ago my mother in law became very ill and had to come stay with us for full time care. As this became more difficult my husband XXXX had to reduce his hours at XXXX to help out. Then he injured his back and began suffering from XXXX and this reduced his hours even more and we fell behind on the mortgage payments. My mother passed away, and just as he was getting healthy and back on a regular work schedule XXXX XXXX XXXX It was a serious situation and I was in the hospital for almost XXXX months. The doctors gave strict instructions that if I was released to home I would need a lot of help as well as many follow up appointments. By this time Covid had forced the grandkids to stay home and XXXX had to balance caring for me and homeschooling the grandkids and had to take a leave of absence from XXXX. We were in a very bad financial place at that time. That's when we reached out to XXXX XXXX a few months later to see if they would help us with any of the government Covid programs or loan modification but they told us there was nothing and that the only way to fix this was to pay back all the late payments.
In the last year things have changed quite a bit. I am healthy and the grandkids are back in school. XXXX is back full time at XXXX and my brother is regularly paying rent to us each month. XXXX of my grandkids now receive child support from their father and that money goes to us since they live with us. Also my other daughter pays for all the groceries in the household since her son lives with us. I also receive XXXX each month. We now have the resources to make a fair monthly mortgage payment and fix this problem with Rushmore, but it seems like they are more interested in taking our home, which has a lot of equity. My husband and I have lived in this neighborhood for over 30 years and this is home and sanctuary to all six of us and we do not want to lose everything.
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| 12/28/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I want to file a formal complaint against the servicer of my mortgage Rushmore Loan Servicing. They engaged in unethical servicing and foreclosure practices resulting in the loss of my home through wrongful foreclosure. Their agents engaged in dual tracking, their foreclosure department failed to follow Colorado law regarding protocol and notification and they made the mistake of auctioning off our home even though we were engaged in active litigation. Instead of a Rule 120 hearing and Attorney notification Rushmore sold our home out from under us on XX/XX/XXXX. We want to know why proper protocol was not followed and why required notifications were not sent out? How was this foreclosure allowed to move forward when our homeowner assistance application was in active review at Rushmore, a clear case of dual tracking by Rushmore. Why they would move forward with this auction while we are engaged in active litigation?? The worst part is that this was an avoidable foreclosure ; our income is more than sufficient to afford a fair and reasonable payment and we were in active review for modification. Instead of following Colorado foreclosure protocol Rushmore and their law firm XXXX XXXX, jumped the gun and wrongfully foreclosed on our home we have owned for 17 years.
We purchased our home in XX/XX/XXXX and in order to get some money for our growing business refinanced in XX/XX/XXXX. Although our payment more than doubled, we were OK with it at the time because we needed the money for the business. Our company XXXX XXXX ( XXXX company ) continued to grow, and a great deal of our business came from no-bid government contracts. However, after we completed a certification process, there was a change in the way the government contracts were allocated and assigned and there was a decline in business in XX/XX/XXXX, with gross receipts dropping from XXXX XXXX in XX/XX/XXXX to $ XXXX in XX/XX/XXXX. We attempted to refinance through our lender XXXX but were not approved and were forced to reorganize our debt through bankruptcy. We continued making payments on our loan through the bankruptcy and attempted to qualify for a permanent loan modification. We could not make any progress with XXXX and our loan was then transferred to Rushmore.
We submitted multiple modification applications but could not get any traction. We were then contacted by a mod company that told us they could get help, but they advised us to stop making our payments through the trustee to Rushmore. Since Rushmore had not been working with us, we took this step. At that point our business had regained traction and was bringing in good XXXX We were certain we would qualify for assistance but were told that the file was still in review. Rushmore then filed a motion for relief of stay from the bankruptcy, even though we were in active review for a modification. As a result of these developments, we hired an Attorney and filed a civil suit against Rushmore and the investor of this loan. We were told by their agents in XX/XX/XXXX and XX/XX/XXXX that our file was still in review for assistance options, and our legal team was under the assumption that foreclosure activities had been temporarily placed on hold while the modification review was being conducted and while the ongoing litigation progressed through the system. We were shocked and horrified to find out that our home had been sold without proper notification of sale date or Rule 120 hearing and the complete abandonment of protocol. We are not disputing the fact that we were delinquent on this loan, but we are disputing the right of this entity to conduct this foreclosure, we dispute that this is a lawful foreclosure because they did not follow Colorado rules, regulations, laws and procedures relating to foreclosure and furthermore we are quite certain that neither the foreclosure attorney or Rushmore notified my counsel!!
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| 09/19/2022 |
Yes |
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- Trouble during payment process
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Web |
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Back at the beginning of the Covid epidemic, I became XXXX and was unable to work because of XXXX. I went into the Covid forbearance sometime in XXXX and began making payments again in XXXX of XXXX after the final extension of my forbearance was finished.
Fast forward to XXXX or XXXX of XXXX. I was told that there was a program through FHA that would lower my P & I by 25 %, if I did this " modification ''. I decided that was a pretty good idea since I wasn't that far into my mortgage and saving money is always a good idea. ( Time went by, after several inquiries about it, the only thing I was told is that " it was in underwriting '' ). It was about this time that I was told about a program though XXXX in Missouri that they could pay all or a portion of the forbearance money to help out homeowners, so I applied. My application was approved, and the process was that XXXX would contact the servicer and get the information, send them a check and they would apply that amount to my account. It was at this point that everything became clear that something wasn't right at Rushmore.
In XXXX, I noticed that there was a payment for {$4100.00}. on my account ( see attached screenshot ). I assumed it was the payment from XXXX. I didn't question the amount at the time, it was a gift and I appreciate every gift I am given. However, I did not receive anything in the mail from XXXX or Rushmore about this payment so, I went to the website for XXXX and looked it up. I was shocked to see that a total of over {$5600.00} was sent to Rushmore on my behave ( see screenshot ) and not the {$4100.00} credited to the account. So, I called both XXXX and Rushmore.
I asked about the payment credited and why it was considerable different than what was sent, why there was no correspondence from them about the payment and I demanded an accounting of the funds. I was informed that the nearly {$1600.00} discrepancy was for " Corporate advances ''. I asked for a definition of corporate advances and was informed " it could be many things '' and that was all the explanation I was given. I asked to speak to a supervisor and was told that " there was phone issues, and I wasn't unable to be connected ''. Within the next 2 days, I called back and unfortunately was put in contact with the same CSR who not only laughed at my concerns, wouldn't put me in touch with a super. They left me no choice but to contact FHA.
The rep at FHA gave me several educational avenues, including definitions of corporate advances, Covid forbearance modifications, etc... and WOW, then I really knew something was wrong. I eventually spoke with a super at Rushmore who informed me that I the " Covid modifications all included a " reset '' of the mortgage ( what he failed to tell me was, my mortgage was 442 months, not the 360 or 480 months noted in the FHA explanations? There was NO partial claim filed ( I checked my SIP account ) so, why not and where did the {$5700.00} claim to XXXX come from? I did NOT receive the 25 % deduction in my P & I, as a matter of fact, my payments went UP, and when I asked for a copy of the modification ... I still don't have it. And here was the best, the lady from Loss Mitigation informed me that the : '' corporate advance '' was from XXXX when I closed on my house! ) Furthermore, on my " home page '' of my mortgage, there is deferred interest for almost {$14000.00} yet, Rushmore said its over {$16000.00}. What is that and why do they see something different than I do?
I am sure I am missing some details of this debacle, but it is twisted. I feel that there is something wrong with the process of the Covid modifications not to mention the funds made available to homeowners through various state programs like XXXX that Rushmore is taking advantage of. If they are doing this to my account, I've no doubt they are doing it to others.
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| 08/19/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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My Wife and I took out a mortgage loan with XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX we were approved for a loan modification, which we paid without issue until XX/XX/XXXX when my wife became ill and required XXXX in the summer of that year. At this time my wife was unable to continue her normal work schedule and became unemployed. Losing our dual income affected our ability to continue making payments on our loan. Additionally, my company at the time incorporated a freeze in wage increases and lessened significantly our bonus potential. All together this caused us to be unable to continue making payment on our mortgage. I later became unemployed in XX/XX/XXXX after my company enacted mass layoffs from XX/XX/XXXX through XX/XX/XXXX.
Immediately following XXXX XXXX we began applying for second a loan modification with XXXX XXXX bank. 3 years later, this XX/XX/XXXX, the bank has not offered us a single opportunity for any kind of loan modification or work around to help our current situation.
In XX/XX/XXXX XXXX XXXX sold our mortgage to Rushmore Loan Management. We applied for a loan modification with Rushmore and the trial modification agreement they proposed is as follows : - Initial loan payment through XXXX XXXX : {$1500.00} - Rushmore suggested new payment : {$2700.00}.
- {$1200.00} more expensive than we had originally paid.
We received Rushmore trial agreement on Thursday, XXXX XXXX and we had 14 days to consider their negotiation. I called to speak with their staff on Thursday, XXXX XXXX, Friday, XXXX XXXX and finally Monday, XXXX XXXX, each time asking for the company to reconsider the unacceptably high negotiated amount. Each time we were treated very rudely and the final answer was : - Take the offer or relinquish the home - Absolutely no short-sale - Deed -in lieu of foreclosure - 30 to 45 days to relinquish our home ( if we requested ) - 14 business days to return the agreement or the offer would be rescinded.
Customer service confirmed " I will give you until Monday, XXXX XXXX, XXXX for the paperwork to be on my desk. If the paperwork and the required {$5500.00} down payment is not received then Rushmore will begin the foreclosure process. " I confirmed verbally on Monday, XXXX XXXX that we could simply not afford their offer and due to the fact that they too, like XXXX XXXX, refused to offer any relief, we would not be able to accept their terms nor would we put in a request to relinquish our home.
On Thursday, XXXX XXXX, XXXX were received a memo of response of action taken by Rushmore Loan Management stating that we had been denied their proposed trial modification agreement because we failed to return the executed agreement and or the initial payment in a timely manner. My wife and I never agreed to their terms as their proposed negotiated rate was {$1200.00} more expensive than the amount we could already not afford.
Please note that our home was purchased for {$330000.00}, an amount of which we paid in good faith and on time without issue for 7 years prior to our original loan modification with XXXX XXXX in XXXX. Even after their approval of our XXXX loan modification we continued to make good on the required payments until we faced financial hardship outside of our control. When the time came however for the bank to work with us due to financial hardships outside of our control we were denied any kind of compassion, understanding or fair financial assistance. It has been an extremely difficult and long drawn-out process to find any kind of fair solution with either company over the course of the past 3 years. As a consumer this is very frustrating and disheartening. Although we may lose our home, despite many continuous efforts to find a just solution to our situation, we hope that this case may go on record and be pursued to help regulate these companies and help other families.
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| 04/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I have applied for the loan modification well before the scheduled auction .Submitted complete loan modification application on XXXX XXXX. Provided other documents requested i.e Probate court judgement, death certificate of my wife, Personal representative of the estate, Quit claim deed and My driving ID.
Rushmore failed to process loan-modification application on time, mishandled my loan modification and proceeded to auction.
Every time when i called them, new representative provided different information and told me previous representative gave you wrong information. Every time i was misguided.
They did not send me auction notice nor other communication. i am the one calling them 3-4 times every month.
They did not provide me reinstatement quote or steps to make loan current.
In XX/XX/XXXX, received letter with new payment plans, when called rushmore to pay, Representative told me, i am not the authorize to make payment.
I ask rushmore to offer me fair loan modification and extend auction until process of my application.
I request them to send me entire file of my loan for review I request them to send all recorded call for my review I have all my supporting documents and evidence to prove, how Rushmore mishandled my laon modification and did not send notice and attempted unethical practice to foreclose and proceeded to auction.
Documents sent to Rushmore XXXX XXXX XXXX Attachments Fri, XX/XX/XXXX, XXXXXXXX XXXX to LossMitigation Concerned Sir/Madam Kindly find attached below mentioned documents forLoan modification application Loan Number XXXX.
1 : Signed complete loan modification application 2 : 3 months bank statements 3 : Social security benefits award letter 4 : A : 1099 Mislancious from Housing authorities for rental income B : 1099k from XXXX 5 : Rental properties lease agreement 6 : XXXX scan 52 pages attachments includes Tax returns, pay stubs and other required documents Kindly process this application and stop auction scheduled on XXXX XXXX For any further questions/documents please call me on XXXX for immediate response.
Regards, XXXX -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX Attachments Fri, XX/XX/XXXX, XXXXXXXX XXXX to LossMitigation Dear Concerned, Please find attached court legal documents ( 16 pages ) to process loan modification applications of the surviving spouse of XXXX XXXX XXXX
Regards, XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX Attachments Wed, XX/XX/XXXX, XXXXXXXX XXXX to LossMitigation Dear concerned, Per conversation with loan mitigation officer today XX/XX/XXXX .Please find attached my Driving licence.
Please process my loan modification application Call with questions on XXXX Regards, XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX Attachments Thu, XXXX XXXX XXXXXXXX XXXX ( 10 hours ago ) to LossMitigation Very Urgent Dear officer, Please find the attached quitclaim deed again to process my pending loan modification application submitted in XX/XX/XXXX. Kindly extend the auction date until processing of my documents.
I did not receive an auction notice, just learned last week.
I have raised my concern to the XXXX XXXX XXXX and XXXX county.
Kindly also send me reinstatement quote Kindly provide foreclosure attorney contact details.
Kindly extend the auction date. Send any notice to XXXX XXXX XXXX, XXXX, MA XXXX Regards, XXXX XXXX on XXXX with any questions or concerns -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Wed, XX/XX/XXXX at XXXXXXXX XXXX Subject : Fwd : QUIT CLAIM DEED TO process Application Loan Number XXXX To : XXXX Dear Concerned, Find attached deed. Please process my laon modification application as your earliest convenience. Should i start paying my monthly payments? please advise Thank you, XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -
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| 06/02/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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The servicing of my loan was transferred back in XXXX of XXXX and I have been living a nightmare ever since the transfer of my mortgage to Rushmore Loan Management Services. On the initial paperwork/statements they reported the wrong interest rate. Initially I spoke to a young woman in XXXX XXXX and explained there is an error with the interest rate and that it was wrong. The correct interest rate should be 5 % NOT 5.75 %.
She noted my file and would have to research this information. I asked her how I can confirm that it has been corrected. She recommended that I sign up for Internet access to my account. I explained I would try but I had recently started a new part time job and would try to find time to set up online access.
In XXXX I received several notices from Rushmore XXXX Tax XXXX - Homeowners Insurance required Mortgagee Clause change.
XXXX - A notice that my Note and Security Instrument were in default due to non payment of the installment and a new charge of {$320.00}. - Recoverable Corporate Advance.
I have called Customer Service XXXX again and again with no responses. I explained in great detail about the mortgage payment assistance program that I was enrolled in, NJ XXXX Acct # XXXX and that the payments were being automatically sent directly to Rushmore from NJ XXXX. Also, with this program there should be no late fees being charged.
Each time I provided my phone number and was told that they would have somebody call me after this was all researched but it would take some time. At that time I set up my internet/online access in hopes that I would see some sort of response and corrections to my account.
I have documentation/emails to detail my situation that I can provide to document this case. I began recording phone conversations in XXXX XXXX when I got a letter of intention to foreclose on my home. I called on XXXX XXXX, XXXX and demanded to speak with a supervisor. I began speaking to the ONLY person that seemed to care or even began to help me, a mortgage servicing manager named XXXX XXXX.
It has taken many hours of my time and aggravation in order to have them CORRECT THEIR MANY ERRORS. My biggest complaint is the way they keep records and do not report accurately true important information. I am in the mortgage business and I believe it is the ONLY reason that I was finally able to hopefully have this nightmare ended.
I had to spend hours and hours on the phone, losing time from working XXXX jobs and paying to send certified letters and then experiencing mental anguish of receiving late notices and threats of foreclosure and letters from loss mitigation dept about my loan being in default when ALL of the errors and problems were created by Rushmore Loan Management Services. I had to make threats to them that I would make a complaint to CFPB! This should not happen. I got notices that my taxes were not paid and my home would be put up for tax sale even though Rushmore had the money to make the payment. Finally I have had a person taping a envelope to my front door for the past XXXX weeks. The letter is typed on plain white paper ( NO LETTERHHEAD ) from Rushmore and advising of solutions to avoid foreclosure of my loan that is in default. WHICH IT IS NOT!!!
I have been suffering through a very difficult emotional period since XXXX of XXXX when my youngest sister died a sudden tragic death and caring for my father who is XXXX years old while working XXXX jobs.
At this point, I believe that I am due some sort of reparation for the mental anguish/harm that I have endured due to being threatened for so many months with foreclosure and the personal losses of time and money that I lost from my life and my work to repair this mess and not have it affect my credit history.
I appreciate your help in resolving this matter so that this never happens to someone else.
Thanks you.
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| 12/13/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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RE : RUSHMORE LOAN MANAGEMENT SERVICES, LLC BLATANTLY VIOLATING Regulation Z, which implements the Truth in Lending Act, Regulation X, which implements the Real Estate Settlement Procedures Act, the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ) that relate to mortgage servicing, and the Real Estate Settlement Procedures Act ( RESPA ).
Rushmore Loan Services LLC has consistently defied the Regulation Z, which implements the Truth in Lending Act, and Regulation X, which implements the Real Estate Settlement Procedures Act. As well as certain provisions of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ) that relate to mortgage servicing. Rushmore must provide me with a periodic statement for each billing cycle containing, among other things, information on current and past payments, fees imposed, transaction activity, application of past payments, contact information for the servicer and housing counselors, and, where applicable, information regarding delinquencies. They have never done so since they began taking payments from me XX/XX/XXXX
In addition to this, I was charged for force placed insurance without being notified of these costs. Rushmore is prohibited from charging me for force-placed insurance coverage unless they had a reasonable basis to believe the I had not maintained hazard insurance and have provided me with a notice at least 45 days before charging the borrower for force-placed insurance coverage, and a second reminder notice at least 30 days after the first notice and 15 days before charging for force-placed coverage. I was only informed of forced placed insurance verbally, pursuant to my call to them XX/XX/XXXX. This was after having force placed insurance for over 1 year and 3 months. When I spoke to a manager, " XXXX '' I was told that we should only go forward, not backwards. Furthermore, she has yet to email me as she promised regarding my receiving an annual escrow account disclosure statement. I was never contacted by her supervisor " XXXX '', after being promised that I would, whom I requested to speak to. Rushmore service representatives have been discourteous, lacked knowledge, and rushed me off of the telephone.
When I made multiple requests for information regarding my escrow and principle balance and had several complaints regarding them not being calculated correctly the service representatives did not provide me with steps I could take to address my concerns/grievances. Rushmore must designate a specific address for borrowers to use and is required to acknowledge the request or notice of error within five days. Rushmore failed to do what the rule requires. Rushmore is also required to correct the error asserted by the borrower and provide the borrower written notification of the correction, or to conduct an investigation and provide the borrower written notification that no error occurred, within 30 to 45 days. Rushmore never did this. Further, within a similar amount of time, servicers generally are required to acknowledge the borrower written requests for information and either provide the information or explain why the information is not available. Once again, Rushmore never did this.
It is obvious that Rushmore does not have policies and procedures which protect the rights of borrowers. Rushmore is required to establish policies and procedures reasonably designed to achieve objectives specified by the government. Examples of the specified objectives include accessing and providing accurate and timely information to borrowers, investors, and courts ; facilitating oversight of, and compliance by, service providers ; facilitating transfer of information during servicing transfers ; and informing borrowers of the availability of written error resolution and information request procedures. In addition,
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| 09/23/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Older American |
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We have a mortgage with Rushmore Loan Management Company on a XXXX unit rental property in XXXX XXXX CA. This year we had a water damage incident that resulted in over {$4000.00}. in repairs. We paid for all the repairs as they were completed. Our insurance company then reimbursed us with two separate checks, but as required by CA state law, the checks were also made out to Rushmore Loan Management Services as well as our property manager. I endorsed XXXX of the checks before I noticed the other names on the checks. Wanting to make sure of the proper procedure for depositing the checks I called Rushmore Loan Management Services. Eventually I was connected with XXXX ( employee identification XXXX ) in the Insurance department. I took very careful notes on everything he said because my trust level with that department was already quite low -** important explanation to follow. He told me exactly where to send the checks, attention Customer Service etc. I verified the address with him. He assured me the turn around was normally 72 hours. I mailed the checks on XXXX XXXX, along with a letter outlining my conversation with XXXX and reiterating my desire that the checks be endorsed and returned to me as soon as possible.
After several weeks, I started calling, no one could tell me anything about the checks. On Monday XXXX XXXX after many explanations and attempts to find out where the checks were I was transfered to the Loss Draft Department and I spoke with XXXX XXXX, initially she did n't know what happened to the checks.
At that time I decided to call XXXX XXXX XXXX and see if they could issue new checks and they said they would be happy to do that. Except wait! The checks have been deposited into XXXX Bank! They were cashed XXXX XXXX. So now I am trying to get the money back from Rushmore Loan. At last they acknowledge they can see the checks, and they have to go into a Loss Draft Escrow account. No one can tell me how long that will take, XXXX will not return my phone calls. I am told there is no supervisor or anyone to talk with at a higher management level. So they have had my money for a month. They evidently are able to cash checks without all the signatures, even though it was clearly stated on the back of the checks that all signatures were required. They are not required to tell me how long the process will take or even return my phone calls. How much would they charge me if I had {$4000.00} of their money for a month? And no phone numbers or email for higher management personal? Seems like a poor way to treat a customer that is always one month ahead on the mortgage payments.
** Last year just a week before we were leaving the country for 6 weeks I recieved a phone call from XXXX XXXX telling me that only half of the insurance on this property had been received from Rushmore. The insurance has always been written in XXXX policies because it is a duplex and a single house. I immediatly called Rushmore, and asked them to look at our impound account, note the error and pay it I was promised they would pay it immediately. Just before departure I checked again, XXXX XXXX had not recieved the funds. Again I called Rushmore and the assured me they had paid it. Imagine how I felt returning from my trip to find that altho Rushmore had our $ $ in the impound account all along, and I had made numerous phone calls, the insurance policy on our duplex had in fact lapsed! We were in XXXX and our property was uninsured! I paid it myself and after another week and many phone calls Rushmore paid the insurance bill and XXXX XXXX reinbursed me. I can only imagine the legal mess it would have been if something had happened to that property while we were gone and it was uninsured!
I have never experienced worse customer service. It seems they like to use our money and have no moral or legal ethics.
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| 03/02/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX XXXX WITH THE AID OF RUSHMORE LOANS MANAGEMENT LLC AND LEGAL DISPUTES HAVE SUPPRESSED COURTS ORDERS WITH THE XXXX XXXX GOVERNMENT RESOURCES TO FACILITATE MANY FICTITIOUS LOAN SCHEMES AGAINST MY PROPERTY XXXX XXXX Paralegal, Dispute Resolution Rushmore Loan Management Services LLC XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX XXXX direct | RUSHMORE LOANS XXXX XXXX and XXXX XXXX Have suppressed court orders and " protect '' fictitious borrower that has no legal right or authority to take loans from my lawful property.
I provided orders and evidence of fictitious loan schemes from the year XXXX to the present that is being suppressed.
The fictitious " borrower '' signed all the applications exclusively, with the notary of a " bankruptcy '' attorney that aiding bankruptcy fraud that used my lawful property as unlawful valuations. Government offices aided in the fictitious loans and " borrower '' suffers from opiate addiction and ordered to stay away from the property from domestic violence arrests, stalking and threats to my life.
Paralegal, Dispute Resolution Rushmore Loan Management Services LLC XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX XXXX direct | RUSHMORE LOANS MANAGEMENT ON BEHALF OF US BANKS FICTITIOUS LOANS SCHEMES AGAINST TARGETED VICTIMS OF IDENTITY THEFT UNDER VERIFIED DOMESTIC VIOLENCE AND FINANCIAL ABUSE CRIMES YOU AND YOUR FINANCIAL ORGANIZATION CAN NOT VIOLATE MY LAWFUL PROPERTY RIGHTS AND INJUNCTIONS OF PROTECTION UNDER FIDUCIARY DUTIES XXXX XXXX WAS GRANTED UNLAWFUL LOANS AS BORROWER WITHOUT ANY LAWFUL AUTHORITY TO DO SUCH.
XXXX XXXX PROFESSED AND AUTHORED FICTITIOUS LOANS THAT HE WAS MARRIED TO XXXX XXXX UNDER AGGRAVATED IDENTITY THEFT.
WE ARE DIVORCED UNDER DOMESTIC VIOLENCE AND FINANCIAL ABUSE SCHEMES AGAINST MY LAWFUL PROPERTY AND XXXX XXXX ADDICTIONS TO OPIATES AND SUBSTANCES VERIFIED THE GOVERNMENT OFFICES IN XXXX XXXX USE OPIATES FROR BRIBES AND FAVORABLE OUTCOMES OF FINANCIAL FRAUD CRIMES IF YOU ARE BEING INFLUENCED TO TAMPER WITH ORDERS, LET ME KNOW. THE ORDERS WERE GRANTED PER PROTECTIONS AND THE THREATS XXXX XXXX MADE PER OPIATE ADDICTIONS THAT WERE DETERMINED TO BE TREATED BY LAWFUL AND CRIMINAL COURT ORDERS FOR DOMESTIC VIOLENCE, AND FINANCIAL PROTECTION XXXX XXXX HAS ORDERED UNDER PROTECTIVE INJUNCTIONS AND PROTECTIVE ORDERS FROM ARREST IN THE YEAR XXXX AND HE WAS REPEATEDLY ORDERED INJUNCTIONS TO STAY AWAY FROM PROPERTY BUT USED BANKRUPTCY FRAUD SCHEMES AND EQUITY SKIMMING SCHEMES WITH LICENSED ATTORNEYS AND GOVERNMENT OFFICES, GOVERNMENT OFFICIALS AND GOVERNMENT EMPLOYEES XXXX XXXX HAS BEEN IN WILLFUL VIOLATIONS WITH XXXX XXXX AND TAMPERING WITH WITNESSES, OBSTRUCTION OF JUSTICE AND VIOLATIONS REGARDING LAWFUL ORDERS IS RACKETEERING XXXX XXXX AND XXXX XXXX MISREPRESENTATION IS UNLAWFUL AFTER DISCOVERY OF EVIDENCE AND TAMPERING WITH EVIDENCE FOR GAIN AND BENEFIT IS UNLAWFUL ORGANIZATIONAL RACKETEERING UNDER FINANCIAL CRIMES AND THE CONSCIOUS AGGRAVATED MISCONDUCT, FRAUD AGGRAVATED IDENTITY THEFT CRIMES ON MY LAWFUL PROPERTY PROTECTIVE ORDERS/ INJUNCTIONS ORDERED XXXX XXXX XXXX STAY AWAY FROM PROPERTY AND NO LAWFUL POSSESSION OF PROPERTY PER INJUNCTIONS TO PROTECT PROPERTY LAWFULLY 1. THE BORROWER HAS NO AUTHORITY, POSSESSION OR LEGAL RIGHTS TO THE PROPERTY PER FINAL ORDER JUDGMENT XXXX.
2. THE BORROWER HAS COMMITTED AGGRAVATED IDENTITY THEFT, WITH GOVERNMENT EMPLOYEES, LICENSED ATTORNEYS AND EMPLOYEES OF XXXXXXXX XXXX TO LOANS THAT EXCEED OVER {$350000.00} 3. XXXXXXXX XXXX AND SUBSIDIARIES HAVE OPENED AND MAINTAINED LOANS AND FICTITIOUS PROPERTY LOANS AGAINST MY PROPERTY FICTITIOUSLY 4. XXXXXXXX XXXX AND SUBSIDIARIES HAVE BEEN FINED FOR TITLE THEFTS AND SUBSTANTIATED AGGRAVATED IDENTITY THEFT BANK PROPERTY CRIMES.
5. DUE TO THE MAGNITUDE OF GOVERNMENT CORRUPTION, LICENSED ATTORNEYS, BANKRUPTCY FRAUD SCHEMES, I REPORTED EACH PARTY TO CFPB.
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| 03/21/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
Older American, Servicemember |
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misrepresenatation and changing of XXXX trust loan terms after loan was laundered by XXXX and nationstar. this XXXX trust predatory loan violates multiple us federal consumer protection laws and including respa and tila. rushomore created along with XXXX a new loan for the XXXX trust to piggbank the creation of anew XXXX trust loan by XXXX that I have been complaining about to us cfpb since it happened it XXXX. I received notice about this from Transunion credit bureau about both loans being created by XXXX and rushmore loan mgt services in XXXX XXXX and their offices in XXXX.
the point here is that on their website the maturity date was changed from XXXX to XXXX and it is impossible that this loan will amortize to XXXX by XXXX which the rushmore rep told me it would after refusing to give me my amortization statement that would show it was full amortized and there was no balloon payment. both these companies have defrauded me for years.
the text below is the complaint I sent to them demanding documents and I contacted their v.p as well in writing about this in the past since they cut me off their online mortgage servicing site so I could not get any information while they were coordinating an alleged foreclosure strategy manufactured default in XXXX today XXXX/XXXX/XXXX I received notice from rushomre I did not make my XXXX payment but on their website they did and I have the cancelled check they XXXX both sides.
below is my complaint to them.
this inquiry about the maturity date for this loI am writing an. I was told by your representative several years ago that this loan was fully amortized to zero and would be fully paid off since it was a 25 year loan with no balloon payment. maturity date of XXXX not XXXX as it states on your website. by my calculations, this loan can not be paid off by XXXX at a payment rate of XXXX per nonth for seven more years through XXXX. I requested an amortization statement that would document his statement to me about this but he refused and told me I HAD TO WRITE A LETTER. SO THIS TIME I AM WRITING THIS INQUIRY IN ORDER TO REQUEST A FULL AMORTIZATION SCHEDULE SHOWING WHAT THE MORTGAGE BALANCE WILL BE AT THE XX/XX/XXXX.
YOUR REPRESENTATIVE TOLD ME THAT THERE WAS NO BALLOON PAYMENT ON THIS FULLY AMORTIZED TO XXXX BALANCE LOAN BUT THE MATURITY DATE WAS XXXX. XXXX PLUS XXXX EQUALS XXXX.
IN ADDITION, XXXX CREDIT BUREAU SENT ME A NOTICE THAT NOT ONLY XXXX XXXX BUT ALSO RUSHMORE REPORTED TO TRANSUNION THAT IT HAD CREATED A NEW XXXX TRUST LOAN ON MY HOME WITHOUT MY PERMISSION TO DO SO WITH NO TILA or RESPA notices as requird by the recent us supreme court in XXXX, XXXX legal decision that Truth in LENDING LAWS MUST BE COMPLIED WITH. SO THIS REQUEST IS FOR ALL LOAN DOCS FOR THIS NEW XXXX MATURITY XXXX MORTGAGE LOAN THAT I NEVER APPLIED FOR NOR APPROVED AND THAT RUSHOMRE SENT A NOTICE OF IT TO XXXX CREDIT BUREAU AND I HAVE THAT NOTICE AND THAT XXXX DIGIT ACCOUNT NUMBER WAS ASSIGNED BY RUSHOMRE TO THIS NEW XXXX TRUST 15 YEAR LOAN.
PLEASE ADVISE. SO UNDER THE PROVISIONS OF THE USCFPB AND THE US SUPREME COURT I AM GOING TO HAVE TO SEE ALL LOAN DOCS FOR THIS 15 YEAR LOAN INCLUDING ALL SETTLEMENT DOCUEMNTS ALL PROMISSORY NOTES AND ALL MODIFICATION DOCUEMENTS ON THIS LOAN THAT YOU RECEIVED FROM YOUR PREDECESSOR NATIONSTAR.
IN EFFECT, THERE IS A BALLOON PAYMENT ON THIS LOAN SINCE THE MATURITY DATE SEEMS TO HAVE BEEN CHANGED FROM XXXX TO XXXX BY SOMEONE.
MY HOUSE IS UNDERWATER FROM THE CRASH OF XXXX AND IT MAY BE VERY DIFFICULT TO REFINANCE ANY REMAINING BALANCE ON THIS MORTGAGE.
BUT I did n't apply for any XXXX trust loan or modification that would result in a maturity date of XXXX.
I also received a letter from XXXX XXXX that you had not received my payment fo XXXX, XXXX but on your website it says your did and I have both sides of the
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| 03/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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COMPLAIN AGAINST XXXX XXXX, XXXX * ON XX/XX/XXXX XXXX XXXXXXXX XXXX.ADRESS : XXXX XXXX XXXX, XXXX, TX XXXX FILE AN ASSIGNMENT OF MORTGAGE ON MY PROPERTY WITH A NEW NMLSR ID # XXXX. Purchaser of a loan have to get permission from beneficiaries to buy a loan, my loan was in a pool with many beneficiaries, I am also a beneficiary and originator of the security, and I was never asked for permission.
MY ORIGINAL NMLSR ID # IS XXXX. Once a mortgage note gets sold and converted into a security, is no longer a mortgage note, it gets converted into a different instrument under the law, and all of this was done without my signature.
* XXXX XXXX, XXXX is not the owner in due course, I am. Debt was charged off ; THEREFORE XXXX XXXX XXXX HAS NO CLAIM ON MY PROPERTY. AND XXXX XXXX, XXXX HAS COMITTED FRAUD. FABRICATING AND RECORDING A FRAUDELENT DEED UNDER ITS NAME.
PLEASE SEE ATTACCHEMENTS.
PREAMBLE : XXXXIN XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX LENDER PROVIDED ME SERVICES TO EXTEND CREDITS ON A PURCHASE OF MY PROPERTY.
* AT XXXX XXXX XXXX, XXXX NY, XXXX.
*ON OR ABOUT XX/XX/XXXX I ACQUIRE MY PROPERTY THE LOAN WAS AN AFTER ACQUIRE LOAN ( PERSONAL LOAN ) - NOT A SECURED LOAN- LOAN WAS APPROVED BEFORE I GOT THE PROPERTY. ( PLEASE SEE ATTACHED MORTGAGE AND NOTE ) AT THE TIME I DID NOT HAVE THE KNOWLEDGE THAT I HAVE COME TO BE AWARE NOW ; BUT FRAUD HAS NO STATUE OF LIMITATIONS.
XXXX NEVER HAD THE MONEY TO LEND OUT IT IS AN ILLEGITIMATELY FORM OF CONSIDERATION AND THEREFORE VOIDS THE CONTRACT TO REPAY. BANK NEVER HAD THE MONEY ON ITS PROPERTY, FOR IT TO BE GIVE IT OUT!
AN ENFORCEABLE MORTGAGE CONTRACT REQUIRES CONSIDERATION FROM EACH PARTY- EACH PARTY TO PUT AN EXCHANGE OF ONE FORM OF CONSIDERATION FOR ANOTHER ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX IT WAS MY CREDIT- NOT XXXX 'S XXXX OR MONEY WHAT MADE IT POSSIBLE TO OBTAIN MY HOUSE.
THAT MY MORTGAGE AND DEED OF TRUST ARE ONLY EVIDENCE OF THE LOAN. MY CREDIT WAS THE COLLATERAL, NOT MY HOME, THAT IS WHY THE CHECK WAS ISSUE TO THE SELLER NOT THE BANK.
I AM THE ORIGINATOR AND ORIGINAL HOLDER. I DELIVERED A BLANK ENDORSEMENT ... I DID NOT KNOW HOW TO PROPERLY ENDORSED THE NOTE TO THE U.S TREASURY.
THE TRUSTEE TRADED MY MORTGAGE INSTRUMENT ON THE MARKET WITHOUT PAYING ME AS A GENERATOR OF CREDIT- MAKING FRAUDULENT PROFITS ON MY PROPERTY/MORTGAGE INSTRUMENT. PROFITS SHOULD HAVE BEEN APPLIED TO THE BALANCE PAYMENTS.
XXXXON XXXX DUE TO THE FINANCIAL CRISIS I COULD NOT CONTINUE WITH PAYMENTS XXXX MORTGAGE CORPORATION FILE A CASE OF FORECLOSURE INDEX # XXXX ( SEE ATTACHED ) AFTER SIX MOTNH OF DEFAULT ITS CUSTOMARY BY BANKS TO APPLY FOR MORTGAGE INSURANCE BENEFITS.
XXXX XX/XX/XXXX MY DEBT WAS CHARGED OFF BY A XXXX XXXX BANKRUPTCY CASE NO : XXXX ( PLEASE SEE ATTACHMENT ) BANKRUPCY PROCEEDING IS AN EQUITY/MREM PROCEEDINGS XXXX XXXX HAD NO CLAIM OF DEBT-BANK HAS BURDEN OF PROOF THAT THE DEBT IS STILL OUTSTANDING!
WHEN THERE IS A CHARGED-OFF BANKS USULLY APPLIED AN INTERNAL CREDIT IN THE AMOUNT OF THE LOSS IN ORDER TO ZERO THE BALANCE AND CLOSE THE ACCOUNT. BANKS OPENED ANOTHER ACCOUNT TRANSFERRING THE AMOUNT OF CHARGED OFF ; THAT I DID NOT SIGN NOR WAS AWARE OF IT!
MY LOAN WAS SOLD SEVERAL TIMES TO OTHER INVESTORS, WHEN A MORTGAGE IS CONVERTED INTO SECURITIES IS NO LONGER A MORTGAGE NOTE ; IT BECAMES A DIFFERENT INSTRUMENT..
XXXX XX/XX/XXXX MY PROPERTY WAS SOLD BY XXXX INVESTORS, L.P TO ITSELF. IT WAS A FRAUDULENT PURCHASE BECAUSE THERE WAS NO DEBT. ( PLEASE SEE ATTACHED 1099-A BOX # 5 ) WHERE IT PROVES ONCE AGAIN I WAS NOT LIABLE FOR REPAYMENT. THE DEBT WAS CHARGED -OFF AND THE SO CALL LENDERS GOT PAID AGAIN AND AGAIN.
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XXXX XXXX XX/XX/XXXX Please attachmentS : *MORTGAGE *NOTE *BANKRUPTCY XXXX XXXX *OWNERS DEED *REFEREES DEED *1099-A *ASSIGMENT OF MORTGAGE *JUDGEMENT OF FORECLOSURE AND SALE
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| 06/15/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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Web |
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On XX/XX/XXXX, I became a 50 % owner of a property as a tenant in common. My co-owners were my parents owning the other 50 % as a married couple. When I was conveyed my interest, I knew a mortgage existed that was taken out by them in XXXX. There were XXXX years left on the balance until it was paid in full. In XXXX, my father passed away. In XXXX, my mother passed away. Her 50 % ownership required probate which I did complete. While meeting with the probate attorney, it was discovered that XXXX XXXXXXXX XXXX XXXX as successor to XXXX XXXXk, XXXX had granted my parents 2 different mortgages after I had been conveyed my ownership interest. Both mortgages encumbered the entire property - including my share- and both utilized a portion of my equity in their creation. Loan # 1 was for {$50000.00} and Loan # 2 was for {$80000.00}.
Loan # 1 paid off the balance of the XXXX loan, and Loan # 2 paid off Loan # 1 and remained an open loan against my property. I was the heir of my mother 's 50 % and I was made Admin of her Estate. So, I was a 50 % owner as a tenant in common by way of a Quit Claim Deed in XXXX of XXXX, and I was owner of the other 50 % by way of being the heir.
I hired a real estate attorney who commenced with filing a Quiet Title Action. XXXX XXXX XXXX XXXX countered with the argument that the heir should have to pay back the amount from Loan # 1 that satisfied the XXXX loan, and the Admin of the Estate should be responsible for repayment of Loan # 2. They agreed that I was an owner at the time of the loans that did not sign as a borrower or as a non-borrowing owner. I, in fact, hadn't signed anything agreeing to the encumbrance or use of my equity as I was not even aware the loans existed until a decade after the fact.
My Quiet Title Action was heard on XX/XX/XXXX with the final decree being that, " On XX/XX/XXXX, a Quit Claim Deed dated XXXX XXXX was recorded with the XXXX County Department of Real Estate. It is undisputed that, pursuant to the Quit Claim Deed, Plaintiff held a 50 % interest as a tenant in common with her parents who held a 50 % interest as tenants by entireties ''. The Judge further stated that, " ... the Court does not find that the lender can encumber the entire fee through either the XXXX or XXXX mortgages. At the time that these two loans were made, Plaintiff 's 50 % interest as a tenant in common was of record and should have been discovered through a diligent search. Plaintiff was not a party to the loan documents and was wholly unaware of the existence of either mortgage until after both of her parents passed. Under these circumstances, the mortgages recorded after payoff of the XXXX loan could only encumber the 50 % interest held by XXXX ' parents. '' XXXX XXXX, XXXX provided no proof of there having been title searches conducted ahead of either loan to me during document discovery or to the Judge at trial. They had, however, conducted a title search in XXXX for the purpose of foreclosure. That search did, in fact, pull what was the priority deed in the sequence of ownership at the time of both loans. Still, during the 7 years it took to get to trial, XXXX XXXX XXXX XXXXXXXX- in conjunction with the loan servicing company they hired- sent me over 50 letters threatening me with foreclosure when forclosure was never an option.
As well, because XXXX XXXXXXXX XXXX XXXX encumbered the entire property with a loan that I never signed or agreed to, they left me unable to borrow against or sell my property which is the right of a tenant in common. These loans were, to me, fraud as my equity was used to create loans for someone that was not me. Their actions constitute a taking. They left me an owner in name only unable, to this day, to borrow against the property that has been legally mine since XXXX.
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| 10/03/2022 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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I have been a victim of identity theft, and the parties that assumed my data, fraudulently used my property, fraudulently used my deed, and falsified all documents was granted over {$300000.00} dollars and used my same property as collateral to fraudulently file for another loan for property for {$200000.00} the fraudulent XXXX home loan.
The parties also fraudulently have been stealing mail and also falsified the same schemes to file for bankruptcy protection. The parties did not have any authority to do such and one party fled to XXXX using XXXX Banks for no less than three loans without my knowledge.
XXXX Banks never contacted me, XXXX XXXX, and they are refusing to comply with the guidelines that CFPB filed for injunctions to protect any victims of data breaches and identity theft.
The attorneys XXXX and XXXX denied and obstructed orders, when I never filed, never completed any loans or ever authorized any loans.
This is a direct contempt of orders CFPB filed XX/XX/2022 and attorney lied in response repeatedly and has denied any CFPB orders exist to protect victims of fraud, identity theft and property fraud loans.
In fact CFPB closed all cases, disregarding my proof and documents that have been forwarded.
Intimidation and harassment is prohibited.
XXXX XXXX XXXX XXXX XXXX consumer report Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/2022 Open Sent to Company XXXX XXXX XXXX XXXX reporting Incorrect information on your report experian consumer fraud division XX/XX/2022 Open Sent to company XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX FLORIDA XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX Other personal consumer report Incorrect information on your report XXXX BANK XX/XX/2022 Closed Marked as a duplicate complaint on XX/XX/2022 XXXX XXXX XXXX Other debt Took or threatened to take negative or legal action premier properties XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX I do not know Took or threatened to take negative or legal action XXXX XXXX XXXX XXXX XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX I do not know Took or threatened to take negative or legal action RUSHMORE LOAN MANAGEMENT SERVICES LLC XX/XX/2022 Closed Company responded XXXX XXXX XXXX I do not know Took or threatened to take negative or legal action XXXX XXXX XXXX XXXX XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX Other personal consumer report Improper use of your report XXXX XXXX XXXX XXXX XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX XXXX reporting Credit monitoring or identity theft protection services XXXX XXXX XXXX AND ALL OTHERS XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX Credit reporting Credit monitoring or identity theft protection services XXXX XXXX AND RUSHMORE COLLECTIONS AND THEY WILL NOT GIVE ME ANY INFORMATION OR ACCOUNT NUMBER OF FRAUDULENT ACCOUNT XX/XX/2022 Open Submitted XXXX the CFPB XXXX XXXX XXXX Other personal consumer report Problem with a company 's investigation into an existing issue XXXX AND XXXX XXXX FIRM XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX XXXX reporting Problem with fraud alerts or security freezes RUSHMORE COLLECTIONS AGENCY XXXX BEHALF OF XXXX XXXX XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX Credit reporting Problem with fraud alerts or security freezes XXXX XXXX XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX XXXX reporting Problem with fraud alerts XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX XXXX reporting Problem with fraud alerts or security freezes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX Other type of mortgage Trouble during payment process XXXX BANK XX/XX/2022 Open Sent to XXXX XXXX
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| 02/24/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX XXXX DENIED RESPONDED THAT THEIR BANK DID NOT REQUEST AN UNLAWFUL SEIZURE FOR MY PROPERTY PER FICTITIOUS LOAN SCHEMES.
I OBJECT TO XXXX XXXX DECEPTIVE RESPONSE BECAUSE ALL SUBSIDIARIES AND LAW FIRM IS REPRESENTATIVE OF INTENTIONAL CONTEMPT OF CFPB CONSENT ORDER, INJUNCTIONS AND REFUSES TO GRANT CIVIL PENALTY RELIEF AS MANDATED FOR MY PROPERTY TO BE USED FOR EQUITY SKIM WITHOUT MY KNOWLEDGE, MY AUTHORITY OR MY PERMISSION.
THIS CAN NOT BE CLOSED UNDER DECEPTIVE RESPONSES AND I REQUEST THAT THE CFPB UNDERSTAND THAT XXXX XXXX, THEIR SUBSIDIARIES AND ALL DEBT COLLECTORS PLUS LAW FIRMS ARE THREATENING TO SEIZE THE PROPERTIES OF VICTIMS AND ARE USING GOVERNMENT RESOURCES TO INFLUENCE HARM, FRAUD AND DECEPTION ON FICTITIOUS LOAN SCHEMES IN RACKETEERING SCHEMES, TO GAIN BENEFIT OF UNLAWFUL SEIZURES.
XXXX Open Submitted Status Submitted to the CFPB on XX/XX/XXXX We received your complaint. Thank you.
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.
YOUR COMPLAINT XXXX XXXX with XXXX XXXX XXXX Firm in XXXX, Rushmore Loans of California, and XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX of unknown locations ; have continued to ignore orders sanctions, consent orders, junction orders filed XX/XX/XXXX by CFPB Washington , DC granting civil penalty relief and consent decrees to victims of fictitious loan schemes, equity schemes, identity theft, financial loan schemes, and property fraud crimes against their properties. The XXXXXXXX XXXX have hired law firms, such as XXXX XXXX of XXXX and used subsidiaries Rushmore Loans of California, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX of unknown location in the US to file fraudulent law suits against victims of fraudulent misrepresentation of " foreclosures '' to manipulate the courts and gain speedy unlawful seizures to unlawfully seize victims homes. Victims are ignored and not granted civil penalty relief as ordered. XXXX XXXX and listed co conspirators are working together to seize homes of victims unlawfully and without monitoring or regulation.
What product or service is your complaint about?
PRODUCT OR SERVICE Mortgage Type of Mortgage Ficticious Loans TYPE Other type of mortgage What type of problem are you having?
Inactive modal Issue Struggling to pay mortgage Concerned about foreclosure?
No Have you already tried to fix this problem with the company?
No Missed payments?
No What happened?
XXXX XXXX with XXXX XXXX XXXXXXXX XXXX in XXXX, Rushmore Loans of California, and XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX of unknown locations ; have continued to ignore orders sanctions, consent orders, junction orders filed XX/XX/XXXX by CFPB Washington , DC granting civil penalty relief and consent decrees to victims of fictitious loan schemes, equity schemes, identity theft, financial loan schemes, and property fraud crimes against their properties. The XXXXXXXX XXXX have hired law firms, such as XXXX XXXX of XXXX and used subsidiaries Rushmore Loans of California, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX of unknown location in the US to file fraudulent law suits against victims of fraudulent misrepresentation of " foreclosures '' to manipulate the courts and gain speedy unlawful seizures to unlawfully seize victims homes. Victims are ignored and not granted civil penalty relief as ordered. XXXX XXXX and listed co conspirators are working together to seize homes of victims unlawfully and without monitoring or regulation.
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| 07/06/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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We were notified XX/XX/2016, that our current mortgage loan servicer, XXXX Mortgage XXXX was TRANSFERRING our loan to Rushmore Loan Management Services ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA. XXXX ) as of XXXX XXXX, 2016.
XX/XX/2016, I attempted to log onto the Rushmore website and create an account. This way I could send backup documentation directly to their loss mitigation portal, in regards to our transferred loan modification ( pending ) package. I was DENIED access to the site for some sort of maintenance reason. I then personally called Rushmore Loan Management Services and spoke DIRECTLY to our " Point of Contact '', XXXX XXXX XXXX. I explained to him that I was a newly transferred customer to Rushmore ( from XXXX Mortgage ) and was calling to make sure that he had received ALL my loan modification requested paperwork, which he CONFIRMED. He also had questions about some of the documents, so he told me that I would have to start the whole loan modification package/paperwork over, this time with Rushmore. I told him that I had already sent around XXXX separate loan mod packages previously to XXXX XXXX XXXX, and that he confirmed that Rushmore had, in fact, received the documents. He insisted on sending me out another Loan Modification package from Rushmore Loan Management Services LLC ... which I received via XXXX, on XXXX XXXX, 2016.
I complied with all the terms of that XXXX loan modification package and sent Rushmore Loan Management Services LLC ALL REQUIRED DOCUMENTATION via email on XXXX/XXXX/16 XXXX XXXX/XXXX/2016. ( ALL pages were confirmed as received to XXXX 's loss mitigation dept email address that they gave me @ XXXXXXXXXXXX, as well as email copies to XXXX XXXX XXXX and XXXX XXXX XXXX. ).
I also sent out a XXXX COPY of all the loan documents to the address listed on the Rushmore Loan Management Services packages - sent CERTIFIED MAIL, RETURN RECEIPT REQUESTED ( USPS Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX ). I received signed PROOF from USPS that Rushmore Loan Management Services, did in fact receive all documents and signed for them on XXXX XXXX, 2016. This would have been the THIRD TIME that Rushmore Loan Management Services has received our loan modification request, application and supporting documents.
As of today, I contacted Rushmore Loan Management Services LLC, to return a call from XXXX XXXX XXXX, our " point of contact '' at Rushmore. In his message, he only left his name and call back phone number with no message. I called XXXX at XXXX this afternoon on XXXX XXXX, 2016 to call and confirm that XXXX XXXX XXXX had in fact received our loan modification application and to ask if he needed anything further. The Customer Rep could not get a hold of our Loan Point of Contact, XXXX XXXX XXXX so I spoke directly to XXXX XXXX, his direct supervisor. I had just found out during that phone call that the XXXX sale of XXXX XXXX, 2016 had not yet been delayed, even after I personally sent them no less that two separate emails asking XXXX XXXX XXXX to temporarily postpone the sale, as I had a PENDING AND ACTIVE LOAN MODIFICATION APPLICATION BEING REVIEWED BY RUSHMORE LOAN MANAGEMENT SERVICES LLC AS LATE AS XXXX/XXXX/16. RUSHMORE REFUSED TO STOP THE PENDING FORECLOSURE SALE, EVEN AFTER I TOLD XXXX XXXX AT XXXX THAT IT WAS AN ILLEGAL FORECLOSURE, AND THEY WERE VIOLATING OUR CALIFORNIA HOMEOWNER BILL OF RIGHTS. XXXX XXXX noted to me that he did not have the " AUTHORITY " to postpone the sale tomorrow, even though it was violating our rights, XXXX that he would simply " Notate my file ''. He stated that only the INVESTOR could postpone the sale. XXXX XXXX XXXX, Rushmore Loan Management Services LLC XXXX XXXX XXXX XXXX have conspired to ILLEGALLY FORECLOSE ON MY HOME TOMORROW!!!!!!!!
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| 03/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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To Whom It May Concern : This letter is in response to Rushmore Loan Management Services correspondence submitted through the Consumer Financial Protection Bureau ( CFPB ) website portal on XX/XX/XXXX, regarding the mortgage loan account referenced above. A copy of this correspondence is also included as part of this faxed document set.
The documents that Rushmore Loan Management Services attached to the CFPB response show in full detail that the PMI Payment made by Rushmore Loan Management Services on XX/XX/XXXX for PMI due XX/XX/XXXX is in fact a duplicate payment.
The documentation provided by Rushmore Loan Management Services that was attached to the CFPB response shows : XXXX XXXX XXXX 's Loan History document reflecting the following PMI payments made : o XX/XX/XXXX for due date XX/XX/XXXX o XX/XX/XXXX for due date XX/XX/XXXX o XX/XX/XXXX for due date XX/XX/XXXX o XX/XX/XXXX for due date XX/XX/XXXX o XX/XX/XXXX for due date XX/XX/XXXX o XX/XX/XXXX for due date XX/XX/XXXX o XX/XX/XXXX for due date XX/XX/XXXX o XX/XX/XXXX for due date XX/XX/XXXX Rushmore Loan Management Services Loan History document reflects the loan activity since Rushmore Loan Management Services took over as servicer of the loan. Rushmore Loan Management Services Loan History reflects the following PMI payments made : o XX/XX/XXXX for due date XX/XX/XXXX o XX/XX/XXXX for due date XX/XX/XXXX o XX/XX/XXXX for due date XX/XX/XXXX Please help me understand how a payment by XXXX XXXX XXXX on XX/XX/XXXX for due date XX/XX/XXXX and a payment by Rushmore Loan Management Services on XX/XX/XXXX for due date XX/XX/XXXX is not a duplicate payment! These were both paid and appropriately noted for the EXACT SAME due date.
Furthermore, the response letter provided to CFPB by Rushmore Loan Management Services states XXXX XXXX Companys payment on XX/XX/XXXX was for the XX/XX/XXXX premium. This is in fact INCORRECT! The XXXX XXXX XXXX Loan History report, as provided by Rushmore Loan Management Services, clearly reflects a payment on XX/XX/XXXX for due date XX/XX/XXXX as well as a payment on XX/XX/XXXX for due date of XX/XX/XXXX.
In addition, this loan originated XX/XX/XXXX, meaning that at the time of the original complaint ( XX/XX/XXXX ) to CFPB, this mortgage had been in effect for 10 months, while at the same time there has been a combined ( between the two mortgage companies ) XXXX payments for PMI. How does one make XXXX payments when only XXXX payments are due without there being a duplication in payments?
Once again, the documentation that was originally faxed to Rushmore Loan Management Services during the initial inquiry regarding this matter, the documentation attached to the original complaint to CFPB, the returned documentation that was received from Rushmore Loan Management Services addressing the CFPB complaint, as well as the documentation included in this document fax set, ALL prove that a duplicate payment has been made!
It is ridiculous that I have to spend my personal time and effort in repeated attempts to recoup a payment that was obviously made in error by Rushmore Loan Management Services. Rushmore Loan Management Services needs to make an immediate reevaluation regarding their stance, argument and invalid evidence in order to make the appropriate correction to my escrow account. Rushmore Loan Management Services attempt at not refunding the overpayment will not be accepted, nor tolerated.
My desire is that this will be the final piece of documentation ( provided by me three times & Rushmore Loan Management Services once ) needed in order for Rushmore Loan Management Services to make the appropriate correction to my mortgage escrow account by refunding the overpayment of {$300.00} to my escrow account.
|
| 09/10/2022 |
Yes |
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- Trouble during payment process
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Web |
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I AM IN NEED OF HELP, BECAUSE THE SERVICER OF MY LOAN CONTINUE TO TAKE MY MONEY AND TRYING TO PUT MY HOME IN FORECLOSURE. I AM NOT BEHIND ON MY MORTGAGE PAYMENTS AND I HAVE ALWAYS PAY MY MONTHLY PAYMENTS ON TIME. PLEASE LOOK AT MY DOCUMENTS AND MY PAYMENTS HISTORY AND BANK STATEMENTS AND ALL THE LETTERS RUSHMORE LOAN MGMT HAVE BEEN SENDING ME, AND DECEIVING ME ABOUT MY LOAN THAT WAS TRANFER TO THEM ON XXXX XXXX, XXXX FROM XXXX XXXX XXXX XXXX. TO UNDERSTAND THAT THEY HAVE BEEN DECEIVING AND FALSIFYING INFORMATION ABOUT MY LOAN. THEY NOW HAVE BLOCK ME OUT OF MY ACCOUNT TO KEEP ME FROM MAKING MY MONTHLY PAYMENTS ON-LINE ( SOMETHING I HAVE ALWAYS DONE, MADE PAYMENTS ON LINE ) TODAY IS XX/XX/XXXX AND I HAVE NOT RECEIVED MY MONTHLY MORTGAGE STATEMENT IN THE MAIL FOR MORTGAGE PAYMENT FOR XXXX XXXX. RUSHMORE RESPRESENTIVE XXXX XXXX THE FIRM NAME IS XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX PHONE : XXXX. XXXX XXXX FINALLY RESPOND TO ME ON XX/XX/XXXX @ AROUND XXXX XXXX. i ASKED FOR HIS STATE BAR NUMBER AND HE TOLD ME NO, AND I ASK HIM TO GIVE ME INFORMATION ON WHERE TO SERVE RUSHMORE CIVIL COMPLAINT DOCUMENTS AND HE SAID HE WILL NOT GIVE THAT INFORMATION TO ME, I TOLD HIM I AM RESENTING MY SELF IN THIS CIVIL CASE I FILE AGAINST RUSHMORE LOAN MGMT SERVICES LLC AND XXXX XXXX XXXX XXXX, AS LEGAL TRUST CASE # XXXX. I AMEND THIS CASE ON XX/XX/XXXX TO ADD XXXXXXXX XXXX XXXXXXXX XXXX XXXX. I SEND 2 LETTERS TO ATTEMPT TO SETTLE THIS DISPUTE, ONE ON XX/XX/XXXX, AND NOT SURE OF DATE ON OTHER LETTER. I ASKED THIS ORGANIZATION THAT SERVICES THIS LOAN TO PAY NON-NEGOTIABLE AMOUNT OF XXXX FOR BREACH OF CONTRACT, MENTAL AUGUISH, EMOTIONAL DISTRESS, MONEY PAY TO BANTRUPTCY TRUSTEE AND MORTGAGE PAY-OFF AMOUNT. I STATED IN THE LETTER IF I FILE A COURT CASE, I WOULD BE REQUESTING 3-TIMES THIS AMOUNT. 1. NEED ADRESS AND LOCATION TO SERVE CIVIL SUMMON AND COMPLAINTOF COURT DOCUMENTS FOR THIS CIVIL CASE FROM ME THE PLAINTIFF IN THIS CASE. 2. NEED RUSHMORE LEGAL INFORMATION DIRECT CONTACT PHONE NUMBER AND 3. NEED RUSHMORE AND THEIR LEGAL TEAM TO DIRECT ALL DOCUMENTS AND CORRESPONDENCE TO ME THE HOME OWNER OF THE PROPERTY ( NO-ONE ELSE ) I AM RESPRESENTING MYSELF IN THIS CASE. 4. NEED RUSHMORE TO ALLOW ME TO LOGIN INTO MY ON LINE ACCOUNT, THAT THEY HVE ME BLOCKED OUT OF SINCE XX/XX/XXXX AND CONTINUE TO KEEP ME OUT OF MY ACCOUNT ON-LINE, XXXX XXXX SAID IT WAS BECAUSE OF THE LAWSUITE THAT I FILED AGAINST RUSHMORE, BUT NO ONE HAVE SENT ME ANY INFORMATION ABOUT WHATS GOING ON WITH MY ACCOUNT AND XXXX ALSO SAID THEY HAVE NOT BEEN REALLY BEEN SERVED, BUT I SAID AND YOU ARE ABLE TO KEEP ME OUT OF MY ACCOUNT, WHEN YOU HAVE NOT SEND ME NO INFORMATION ABOUT MY ACCOUNT. THAT WHY I AM ASKING CPCB TO HELP ME I NEED MY MONTHLY MORTGAGE STATEMENTS MAILED TO ME EVERY MONTH. 5. I BEEN OUT OF BANKRUPTCY SINCE XX/XX/XXXX XXXX XXXX, AND THEY WAS PAID IN FULL FOR ARREAR PAYMENTS, BEFORE I DISMISSED MY CASE FOR NOT BEEN ABLE TO KEEP PAYING. 6. BANKRUPTCY LAWERS XXXX XXXX XXXX AND XXXX XXXX, AND XXXX XXXX XXXX NEITHER OF THEM RESENTS ME. 7. XXXX XXXX WAS THE ATTORNEY I USED TO FILE MY BANKRUPTCY CASE, HE DO NOT RESENT ME IN MY CASE. RUSHMORE ATTORNEY FOR XXXX ON XX/XX/XXXX WAS XXXX XXXX XXXX AND XXXX XXXX, XXXX ADDRESS : XXXX XXXX XXXX. XXXX. XXXX XXXX, XXXX, GA XXXX PHONE : XXXX. AND CONTACT PERSON FOR RUSHMORE IN BANKRUPTCY DEPT WAS XXXX @ XXXX. XXXX XXXX SAID TO XXXX IN XXXX THAT MY LOAN WAS 6 MONTHS PAST DUE ( THAT WAS NOT TRUE, BUT IT IS ON PAPERWORK ) 8. RUSHMORE HAVE BEEN INTENTIONALLY DECEIVING ME ABOUT MY LOAN FROM THE BEGINNING OF RECEIVING THIS LOAN. I HAVE PROOF OF DOCUMENTS AND BANK STATEMENTS AND MORTGAGE STATEMENTS FROM XX/XX/XXXX - XX/XX/XXXX ( EXCEPT FOR THE INTENTIONALLY MISSING STATEMENTS
|
| 05/14/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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|
Web |
Older American |
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I have been victimized, XXXX by a toxic mortgage loan and now by a toxic foreclosure process in which the courts seem complicit. I feel like a poster child for XXXX XXXX XXXX A FIGHTING CHANCE. XXXX XXXX confiscated the remainder of an insurance payout after stonewalling my requests for payments for work done in accordance with the insurance adjusters estimates. Not only did they compromise my contractor, an independent adjuster whose funds were released only after he threatened to place a lien on my property, but they also precluded me from the right to appeal for funds to complete work on my property by demanding repetitive forms, letters, notarizations and an endless bureaucracy of paper work. They chose to release only the amount sufficient to pay the adjuster 's fee so that he would not place a lien, then they confiscated the remaining funds. My understanding was that they would apply them to my mortgage for approximately XXXX payments. Instead the chose to apply the money to the back-end principal, foreclosing on my property immediately upon a thirty-day default in XXXX before I even realized I was in arrears. I had no way of making my property whole out of personal funds and realized I was a victim of " foreclosuregate. '' I sought Legal Aid when Debt Collector/Foreclosure XXXX law firm XXXX XXXX filed the foreclosure in the name of XXXX XXXX Bank XXXX I was told that because of Sequester no funds were available. I was advised as to how to fight the foreclosure by filing an Answer. I followed the Agency 's instructions meticulously, and filed the Answer. When my foreclosure was scheduled for a hearing I again applied to Legal Aid for help, only to be told that they then could not help because I had already filed arguments on my own and that neither Legal Aid nor any other lawyer would want to follow on the foundation I had laid -- '' catch XXXX! '' Foreclosure XXXX, Debt Collection firm, XXXX XXXX XXXX pursued the foreclosure on behalf of XXXX XXXX until XX/XX/XXXX, when XXXX XXXX sold my mortgage to XXXX Bank XXXX as of. At the hearing of XX/XX/XXXX, before XXXX Courthouse, XXXX County PA, Debt Collector XXXX XXXX XXXX XXXX XXXX continued their representation, but then listing the Plaintiff as XXXX Bank XXXX XXXX Bank XXXX. as Trustee for XXXX XXXX. The judge rejected my request for an XXXX XXXX ) because they did not want to inconvenience their " roving robo-testifier '' who had already booked a flight from XXXX, TX, XXXX XXXX XXXX, Vice President of Legal Documentation for Rushmore Loan Management Services. It is understandable that XXXX XXXX was a bit confused as to documentation, after all his complany had owned my loan for barely six months at the time of his testimony. He answered Foreclosure Mill 's lawyer XXXX XXXX by attesting to how he travels all over the country in his VP of Legal Documentation to testify. The judge expressed sympathy for his schedule. I challenged XXXX XXXX testimony that Rushmore had placed my Homeowner 's Insurance, for instance. I pointed out that Rushmore had phoned my XXXX XXXX agent to make sure that Rushmore was on my policy, XXXX that I have been maintaining and continue to do so for more than thirty years. In a later filing of a motion to reassess arears, the XXXX of XXXX in their foreclosure action, the Debt Collectors alleged that they in fact held and paid for the insurance on my property and listed it on my obligations to them -- forced, " double '' placement? During the continued hearing on XX/XX/XXXX, I was allowed to present " my side '' according to XXXX XXXX. He did not allow me to read the testimony I had prepared, but received the Exhibits I had prepared ( Continued under separate cover -- length exceeded here )
|
| 01/01/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
XXXX sold my loan to RUSHMORE LOAN MANAGEMENT on XX/XX/XXXX while I was a few months past due.
1 ) When I e-mailed the RUSHMORE specialist appointed to me, detailing my financial and physical hardship, I did not get a reply so I resent the email. The response to this second email said 'CALL ME '. He has refused to note anything in writing, only over the phone.
2 ) When I asked about payment arrangements I was told that 2 to 4 months was the longest they would give homeowners to get caught up [ also listed on their website ]. I replied that I 'd not be able to satisfy that past due and keep current with that short of a payback period - I would need at least 1 year. The specialist said I could right now give my financial details over the phone and the 'partners ' would decide if they wanted to extend me the privilege. I asked if there was a form to fill out and he said no '. I replied that I was uncomfortable giving that information over the phone.
3 ) The specialist suggested a Refi - I told him that I would not qualify for a refi, and that I was satisfied with the terms of my re-fi from XXXX XX/XX/XXXX, that I was trying to rectify my financial situation but I needed more time. Rushmore sent me a refinance application via XXXX 4 ) On XX/XX/XXXX Rushmore mailed me an 'Foreclosure Alternatives Program Deed-In-Lieu of Foreclosure with a 90 day deadline. Stating that I 'may be eligible ' for cash amounts during 30 days, 60 day, and 90 days with the amount decreasing at the XXXX intervals.
XX/XX/XXXX, I received a DEBT VALIDATION NOTICE from XXXX XXXX XXXX.
XX/XX/XXXX I faxed a DISPUTE to XXXX XXXX XXXX XXXX XXXX XXXX - 'Please be advised that I, consumer, dispute the validity of the stated {$880000.00} debt or a portion thereof ... Please provide a line item detail [ including the names of all parties, entities that charged fees for services i.e., inspections, maintenance, attorney fees, escrow amounts, etc. and whom received 'corporate advances ' validating the above-stated debt total dating back to XXXX, when XXXX acquired the debt from XXXX XXXX, to present to me via the address of the property listed above. ' XX/XX/XXXX I received via US Mail, XXXX XXXX XXXX response to my dispute ; # 1 '' Please be advised that XXXX is the foreclosure trustee and not the lender or servicer of your loan. Any information regarding the servicing of your loan, including requests for payment accounting and/or history, should be directed to RUSHMORE LOAN MANAGEMENT. '' Attached were copies of the following documents ; # 2 XX/XX/XXXX XXXX AM XXXX XXXX XXXX filed SUBSTITION OF TRUSTEE ...
# 3 XX/XX/XXXX original XXXX note [ NOT INCLUDING XXXX XXXX ... (?? ) # 4 XX/XX/XXXX Filing Recorded County of XXXX XXXX CORPORATE ASSIGNMENT DEED OF TRUST from XXXX XXXX XXXX to XXXX PASS-THROUGH TRUST XXXX, XXXX XXXX AS TRUSTEE ...
# 5 XX/XX/XXXX Filing County of XXXX XXXX ASSIGNMENT OF DEED OF TRUST from XXXX PASS-THROUGH TRUST XXXX, XXXX AS TRUSTEE, ITS SUCCESSORS AND ASSIGNS, whose address is C/O XXXX ...
Am I not entitled to the requested information and protections according to FDCPA 1692?
FDCPA 1692 G : Validating debts Bill collectors are required to validate debts before continuing collection efforts according to section G of the FDCPA. SECTION 1692G ( a ) Validation | Proof is required if debt is disputed SECTION 1692G ( b ) Cease Collections + Verify Debt| Requires that 1 ) Should the consumer dispute the debt or requests identification of the original creditor in writing 2 ) The Collector must cease collection efforts 3 ) until he verifies the debt and mails a response.
- XXXX XXXX - I have requested a full accounting.
- XXXX -I have requested a full accounting.
Thank you
|
| 09/14/2016 |
Yes |
|
- Loan modification,collection,foreclosure
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|
Web |
|
|
On or about XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, WA, posted a Notice of Default ( NOD ) on our door.
We requested a mediation from the new " loan servicer '' ( XXXX " transferred '' or " sold '' the loan to XXXX Mortgage ). After several delays, we finally met with them XXXX ( over a year later ). They would not do a thorough analysis of our financial ability to cover the $ XXXX monthly mortgage, stating abruptly that they only went by our form XXXX tax statement for income. They refused to acknowledge that a home business has greater cash flow than the tax doc will show when a large percentage of the property/home/mortgage interest is written off. Another " meeting '' was scheduled for XXXX, but XXXX 's representative did not even call in to the meeting. After another 6 months, in XXXX, XXXX XXXX, started the foreclosure process again.
It is our belief, in reading FDCPA rules, Truth in Lending Act Rules, et al., that XXXX acted in bad faith, not only stretching out the process in order to be able to foreclose on our sole domicile, but in refusing to analyze our actual finances that would have, without a doubt, shown our ability to resume payments.
We filed suit in XXXX of XXXX to block a foreclosure, and were granted a XXXX by Judge Plese of the XXXX XXXX, WA, court system by showing " just cause. '' The suit was filed against XXXX XXXX Loans ( XXXX ), which was " merged '' with XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, as well as others involved, which now includes Rushmore.
XXXX attorneys remanded our case to the federal court in XXXX. Judge XXXX XXXX XXXX was assigned our case. He delayed the case from XXXX to XXXX, and after nearly 9 months, dismissed the case without good cause shown, denied our appeals, and finally denied our XXXX ( b ) motion with about XXXX words without apparently even reviewing it. We have appealed this to the XXXX XXXX XXXX XXXX XXXX XXXX, but Rushmore Loan Management Services and XXXX XXXX conspired to deprive us of our sole and only home, posting a notice on our door on or about XXXX XXXX, with a foreclosure date of XXXX XXXX, XXXX.
I have attached files showing date discrepancies on the date XXXX took over our loan, the final XXXX stating they took over the loan on XXXX XXXX, XXXX, and posting a DOS on our door on XXXX XXXX, a clear violation of the 20 day rule on our requesting a mediation.
Also attached are XXXX documents supporting our allegations of " bad assignments '' that were noted in our XXXX ( b ) motion to the Fed Court, " XXXX, in its individual capacity and without identifying its principal, executed a false/forged assignment of deed attempting to transfer interest in the XXXX ( Plaintiff ) loan to XXXX XXXX XXXXXXXX. ( Exhibit XXXX XXXX attached hereto and incorporated by reference ) on XXXX XXXX, XXXX. '' And again, " Defendant XXXX claims to be an equitable assignee by assignment of deed of trust ( Plaintiff 's Exhibit XXXX attached hereto and incorporated by reference ). The instrument relies solely upon the previous assignment instrument which has been shown to be rendered as void by operation of law. Thus, XXXX 's claim of equitable beneficial ownership of Plaintiff 's loan obligation is rendered void by operation of same laws. '' This is the proverbial tip of the iceberg. There are forged documents within our " loan process '' and other irregularities. XXXX has provided conflicting dates and undated allonges. If the XXXX XXXX XXXX XXXX reviews the forged instruments, irregularities, illegal actions, and bad assignments, starting with XXXX, XXXX, XXXX, and now Rushmore, it is our belief that these entities will be found to have committed multiple accounts of fraud and will be fined accordingly, or worse.
|
| 12/22/2021 |
Yes |
|
- Trouble during payment process
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Web |
Older American |
|
As of XXXX, XXXX, Rushmore Loan Management Service LLC ( RLMS ) made unauthorized payment to DC XXXX XXXX.
On XX/XX/XXXX, I forwarded via text and email, the letter I received from the tax authority deferring my payments to RLMS. They acknowledged receipt and did not forward payment in XXXX of XXXX, and XX/XX/XXXX, when bi-annual Property Tax payment come due.
However, in XXXX of XXXX, they did not adhere to the XXXX and paid the tax. After I was made aware of the error, I phoned DC XXXX XXXX to seek instructions as to how to retrieve RLMSs unauthorized payment, they gave them to me, and stressed I could not file for the refund myself, it had to done by RLMS. Therefore, I forwarded it to RLMS every way available, phone conversation ( s ), email, text, and through their internal database, to give the instructions as to how to have those unauthorized taxes paid, returned to them.
Apparently, they had chosen not to follow instructions for months. RLMS finally posted the refund XX/XX/XXXX, XXXX ( XXXX ) months later, from XXXX for {$2400.00} and recorded an Escrow overage, in RLMSs procession of {$1400.00}, totaling {$3900.00}.
Every time I called them to try and resolve this problem, they seemed to understand the situation, and I was told it was being researched and processed. However, I receive ( d ) " robo '' calls, since XX/XX/XXXX, and to this day, at a minimum of once a day, to as much as XXXX ( XXXX ) time a day, harassing me about a simple matter they had been instructed on how to resolve in XX/XX/XXXX.
During the last conversation I had with their representative in their XXXX XXXX XXXX XXXX, ( which should be recorded, as well as all the other calls ) I told her of my fear that RLMS would take the actions, since it has taken RLMS so long to resolve their problem, and make it mine.
She informed me that would never happen because this was not an issue of a late or non-payment of mortgage due, and could not be reported as such by RLMS. But RLMS did just that, XXXX ( XXXX ) times. In XXXX, XXXX and in XXXX, where by this time they have received {$3900.00}, and posted a late payment in my credit history with the Credit Reporting Agencies.
A late mortgage loan payment report is an aggregate of the moral qualities which belongs to and distinguish an individuals person. The moral predisposition or habit or ethical qualities, which believes to be attached to a person, on the strength of common opinion and report concerning me.
Although character and reputation are not synonymous, reputation, is what I am reputed to be, an estimate of what society has and renders unworthy of belief. In this instance, whether I will pay my bills ( Mortgage ) on time.
This was done with knowledge and forethought, especially after the first falsified report to the Credit Reporting Agencies was made.
RMLS has placed my mortgage loan account in the rears as a way of justifying RLMSs claims of owing non-mortgage fee payments, and falsifying a post for a 3rd time with Credit Reporting Agencies.
As per a letter, to XXXX XXXX, dated XX/XX/XXXX re : XXXX XXXX XXXX, the total net amount due is {$110000.00}. I paid {$1100.00} on XX/XX/XXXX and {$1100.00} on XX/XX/XXXX, yet I can't close on my refi because RLMS is saying I owe XXXX 's mortgage.
I have been trying to refinance all of XXXX. My current rate with RLMS is 4.375 %. I locked in in XXXX 2.65 % ( XXXX Mortgage ) and lost that because of RLMS. Ive applied and locked in with another refi company ( XXXX ) and RLMS is blocking that effort, by misrepresenting my indebtedness to them.
I will pay, under duress, whatever outstanding fees claimed due by RLMS, so as to not lose my locked in refinance interest rate, before it expires.
|
| 11/02/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
XXXX XXXX, XXXX To whom it may concern : I am writing to you with great concern about the manner in which, Rushmore Loan Management Services, handled my situation, recently. Hopefully, you can rectify the problem, since I believe this company 's practices are not up to par.
I have lived in my home since XXXX XXXX, XXXX ; at this stage in my life, it was never my intention to loss my home. Unfortunately, I developed XXXX, and had to decide between paying for medical treatment or saving my home.
Prior to letting my house payment default, I 've made numerous attempts to have the house modified ; participating and attending XXXX. I was rejected continuously for either, making too much money, or not enough ; I 'm self-employed.
My only option was to seek help from a HUD approved Housing Counseling Agency. XXXX XXXX from H.O. P.E ( Housing Options and Planning Enterprises. INC ) explained all my options regarding foreclosure, short sale, etc. I chose doing a short sale.
On XXXX XXXX, XXXX, the exclusive rights to sell was given to XXXX XXXX, XXXX ; the house was listed on XXXX XXXX.
On XXXX XXXX, XXXX ; I attended, mediation with Judge XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Attorney for Rushmore, and via landline, XXXX XXXX XXXX, Servicer for Rushmore. I made my intentions clear ; I would do a short sale.
The house was made available for showings, and the bank had the house appraised on two different occasions. On XXXX XXXX, XXXX ; an offer was submitted to Rushmore for approval.
In XXXX XXXX, I received a letter dated XXXX XXXX, XXXX ; notifying me the ownership of the mortgage loan, had been sold.
I received a letter dated XXXX XXXX, XXXX, from XXXX XXXX, for me to contact her to discuss the options available to me to either save my house or consider other alternatives.
After contacting XXXX XXXX ( authorized XXXX party from XXXX XXXX XXXX ), to negotiate the short sale. She contacted XXXX XXXX XXXX, at Rushmore 's Loss Mitigation, the next day ; XXXX XXXX assured XXXX XXXX, the short sale was approved. She said, she would notify Rushmore 's attorneys, ( see emails attached ).
This was before the XXXX of XXXX ; however, on this day, Rushmore now claims, the short sale was approved, and they auctioned XXXX XXXX XXXX. To add insult to injury ; the same bank bought the house. Therefore, this house has become an REO ( real estate owned. How is that possible? Rushmore failed to notify the attorney, that a qualified, prospective contract was available in XXXX XXXX.
I am extremely concerned with the undermining handling of this situation. If Rushmore did not want to do a short sale, they should never have agreed to it ; during mediation. I did n't default on my home due to negligence ; I fought the battle, jumping through hoops for modifications, so I could maintain my home and get medical treatments. Every attempt, was in vain.
Yesterday, I called Rushmore ; when I questioned how it was possible to approve a contract and auction a house, at the same time, on the same day ; especially after XXXX XXXX, assured she would contact the Rushmore 's attorneys ; the Servicer became annoyed with me. XXXX XXXX, during all this, has avoided all calls, and not returned any calls pertaining to this. She has been XXXX, since before I was notified with the foreclosure, finalized, court order.
I would appreciate assistance in this situation, a lot of work went into that short sale. I am not the only one that was affected. There are agencies, that were involved in getting a qualified Buyer for the short sale, and seeing all requirements were met. The only participant that failed to do their job was the representatives of Rushmore, and the Law offices of XXXX XXXX.
|
| 06/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
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My servicer Rushmore loan Management Services have been given me verbally through the representatives, emails and documentation in the mail that is conflicting and making it false and misleading information to me as a homeowner. The company never answers the phone, won't allow you to make a payment online, purposely put in the wrong amount of your mortgage so it returns to the bank and puts money in suspense when it's enough to cover a mortgage payment just to make you behind. I have uploaded documentation in regards to their misleading and confusing verbiage in regards to my mortgage. I have told them numerous times I feel they are sabotaging my mortgage due to covid-19 purposely to throw me into foreclosure. I got behind in XXXX but made two payments in XXXX and the representative put the wrong amount on purpose. I've had to call their company four times a month just to make sure my mortgage is correct and that it matches what I see on my online mortgage account. Representatives have told me they would call me back never do so. The company also gave me a single point of contact and the phone number is invalid can't even reach anyone. They are doing this on purpose and my daughter-in-law is an underwriter for XXXX XXXX and services loans the same as Rushmore and she told me that they do this on purpose to throw houses into foreclosure especially during state of emergencies. I feel they are trying to take my home they already sent me an acceleration of my loan in XXXX I do not have that document to present to you but they do. I am begging you to please find this Servicing Company for giving false and misleading information, putting individuals on a forbearance that they don't understand and my home is owned by a private lender which does not have to do anything in regards to President Trump 's Care Act for mortgages. They even stated that themselves when I spoke to a representative. I am not behind on my mortgage I have from the first to the last day of the month to pay that mortgage. I have been a couple of days late for instance maze mortgage was paid on XX/XX/XXXX you will see that on the documentation I presented. XXXX 's payment will be paid on XX/XX/XXXX I told them this ask them to document everything that I stated. What upsets me the most you'll see on one of the documents is it states that my home is vacant and that's why I wasn't given a forbearance. How could that be I call them every month in regards to my intentions I paid them every month and they drove by and took pictures in XXXX well there was a stay-at-home order and no one was really allowed out and charge me for it. You'll see that documentation as well uploaded. Please being the Consumer Financial Protection Bureau and my daughter-in-law working for XXXX XXXX XXXX at one point they are doing the same thing principal at XXXX XXXX XXXX. They are going to steal a lot of homes especially from individuals that do not know about their mortgages or the mortgage industry as I do. I beg of you please find them I know I am not the only one they are stressing out during covid-19 and I'm over the age of 65 and already scared to death I'm going to die from that. Rushmore loan management servicing is one of the worst servicing companies I have ever dealt with they also had my interest rate raising in XXXX of XXXX when my note says XXXX of XXXX and I had to bring it to their attention. As a matter of fact I should be being paid to service my own loan hey. Please do something. Respectfully XXXX XXXX XXXX XXXX XXXX XXXX please call me if you need to I will try to look for the certified letter of acceleration of loan in XX/XX/XXXX after a state of emergency was announced XX/XX/XXXX. Thank you again
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| 06/28/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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My home is in foreclosure and Rushmore Loan Management has not been willing to give me a chance to fix this problem. We have requested a review for an affordable payment but they have not been willing to accommodate us, and instead tell us we need to reinstate the late payments that are due on our loan. Our financial situation has stabilized and we can afford a fair payment if Rushmore would work with us and give us the chance to be reviewed for all available internal and government programs. I have owned this property since XX/XX/XXXX and it provides shelter for myself and my wife. The problem is that first XXXX XXXX and now Rushmore have refused to give us the option of a reasonable and affordable mortgage payment. We were struggling financially when the recession hit us hard, and in a bad place. We were delinquent on our loan and applied for and received a loan modification, that was basically a repayment plan in XX/XX/XXXX. This was not affordable and we knew that it would be hard to abide by the terms of that agreement, but we were told there were not any other options. We made this payment as agreed for a few months but we simply were driven down financially and emotionally, while the housing market continued to plunge. We began trying to resolve this issue and dealt with XXXX XXXX XXXX and then XXXX. We tried to get reviewed for a reasonable modification with both that would offer some type of payment relief but could not make any headway. XXXX XXXX XXXX made unreasonable excuse that our loan is not XXXX XXXX or XXXX XXXX compliant and therefore their Loss Mitigation department denied our application for Loan Modification. The loan was then transferred to Rushmore Loan Management. We have requested a review for retention options but have not made any progress with Rushmore. Although Rushmore did have various people assigned to our account, they did not seem interested in working with us to try and help us find a solution to our problem. We had issues when they postdated dates in letters. While speaking over the phone they communicate one date, when letter arrives it shows different date that ultimately leads to issue that it is too late to resolve anything! Account manager never answers phone when we make calls and barely responds to voicemails that causes us to call main number. The last excuse we received was that there were no option because the investor on our loan was NOT participating in HAMP. However, we know there are other federal, state and internal programs available to help people in our situation. Since things seemed hopeless, we listed the home to try and do a short sale. However, Rushmore insisted on an unreasonable price that is far above what the home is worth in its present condition. The facts are my wife has worked as an accountant for over 20 years and makes a solid living. I am working in construction, and unlike during the recession, there is lots of repair work for me to do so between us we can afford a fair payment. We put 20 % down on this property and also did significant construction work on the property and we dont want to lose our home. As stated, our issue is that the modified payment that was offered in the past is simply not affordable, and does not fit in with the threshold and ratios that have been established for government loan modifications. Our interest rate is 5.5 % which is extremely high, and Rushmore has added thousands upon thousands of dollars in late fees, inspection fees, Attorney fees and junk fees and have given us a very large delinquent figure. We feel there are programs available that would help us address our issues but Rushmore is not looking at these programs.
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| 04/02/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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Rushmore Loan Management Services ' Loss Draft Department has repeatedly and unnecessarily delayed disbursing insurance funds to repair my house in the wake of Hurricane Florence damages. It took three months for Rushmore to make the initial disbursement of any funds from the insurance company to cover repairs I had covered out of pocket in the four months since the storm. I am currently waiting for Rushmore to disburse the final insurance funds to our contractor for my roof repair, and I see them delaying again in a similar manner to the initial disbursement. I contacted Rushmore on XX/XX/2019 to conduct a final repair inspection, which should happen within 3-5 business days according to their procedure. It is now XX/XX/XXXX and their inspector still has not contacted us. We need help speeding Rushmore up to pay our roofing contractor.
During this three-month period it took to get the initial insurance disbursement I had several phone communications with Rushmore where they made commitments to pay a portion of the money then failed to keep them. In the first phone conversation after sending in my paperwork, the Loss Draft Department told me they had a note on my account to endorse the insurance check and send it back to me. I said that would work great, I can manage the repairs myself. They never sent the check or told me that they changed their mind. I called back a few weeks later to ask where the check was and they said they could not send the check back. When I asked how I could get money to cover the repairs that had already happened they asked that I send in receipts for which they would reimburse me from the insurance funds. I sent in receipts and again did not get any insurance funds from Rushmore or notification that they changed their mind.
The next phone conversation happened about two weeks later when I had completed all the repairs with the exception of the roof replacement. Rushmore agreed on the phone to come inspect the repairs and then they would disburse that amount from the insurance funds. Their inspector came out and agreed that 30 % of the repairs were complete and filed the report back to Rushmore. Rushmore again denied making a disbursement from the insurance funds for the repairs. The Rushmore agent I spoke to on the phone claimed they tried to call me at my number which she read the first 7 digits correctly, then paused, then switched the last two digits. I recited my phone number to Rushmore correctly on each of my phone conversations with them.
After a few more phone conversations a supervisor at Rushmore told me that she could send a check for 30 % of the non-roofing repairs which would be roughly 9 % of the total claim. I had to explain that it was 30 % of the total repairs that are complete, not 30 % of 30 % ( aka 9 % ) of the repairs. Eventually, Rushmore agreed and over two weeks later finally sent a check for the non-roofing portion of the insurance funds to cover those repairs.
Background information : Our home was struck by a tree in the hurricane resulting in roof, porch, and interior damages. It took one month to get the insurance claim check, so when I scheduled a reputable local roofing contractor I was already 6-8 months back on the waiting list. I performed repairs to shore up the house and avoid mold damage by tarping my roof and removing wetted drywall and insulation before I began the conversation with my mortgage company. I later completed all the repairs myself with the exception of the roof replacement. The roofing contractor finished work on XX/XX/2019. We have remained current on all of our mortgage payments since the loan was originated, even through the additional repair expenses.
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| 07/13/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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My complaint is in regards to an issue I have had with my mortgage company paying my property taxes in full. My mortgage was with Rushmore Loan Management Services. In XXXX they sent a check from my escrow account to my town for my property taxes. In XXXX, my town sent the check to me with a letter stating it was issued for the incorrect amount. I contacted Rushmore at that time and forwarded the check and bill to them as instructed. I continued to follow up with Rushmore every three weeks to check the status of the situation. I was told in XXXX that the money had finally been redeposited back to my escrow account and a request was opened to have the escrow department send a replacement check for the correct amount. In XXXX I received another bill for my tax payment but it was now from the county in which I live. I was already beginning to accumulate interest charges for this payment being late. At the same time, I received a letter in the mail that my mortgage had been sold to XXXX XXXX XXXX. Of course I called Rushmore to request that this problem with the property tax payment be taken care of prior to the transfer of my mortgage. Once again a problem order was opened and I was told it was scheduled to be completed by XX/XX/XXXX, which was prior to the transfer of the mortgage to XXXX. I called Rushmore to check on this at the beginning of XXXX. I was told they did not resend the payment because of the transfer. I was then told XXXX would take care of it including any fees incurred. I was actually told that legally the bank has to take responsibility for the fees. I was extremely upset at this point and skeptical that this would be taken care of by the new mortgage company. I immediately called XXXX and was reassured that they would take care of the payment and cover the fees as I was told by Rushmore. They opened a problem on it and I was told it would be completed by XX/XX/XXXX. I was on vacation until XXXX XXXX. When I returned from vacation I had a letter from my county stating that a check had been received for the correct amount for the property taxes but it was returned for a stop payment. his check was issued by Rushmore. I got charged a XXXX dollar fee for the returned check so the fees kept compiling. I called XXXX to inform them of this and was told they contacted my town and were told the taxes for my property were paid in full. I attempted to explain that they must have contacted the town during the window of time between the check being received and it being returned for a stop payment. I then emailed a very detailed accounting of the history of the issue with my property taxes and attached all correspondance from my town and county to the tax department at XXXX. I called to follow up on the phone calls and email XXXX days later ( XXXX XXXX ) and was told they could n't see any information on the problem but they would submit a request to be sure it was researched. I received a letter from my County on Monday XXXX XXXX stating if the taxes are not paid in full by XXXX XXXX an ad would be placed in the local newspaper telling everyone I have n't paid my property taxes and I would be charged for the cost of this ad. I immediately called XXXX and was told to call back the next day before XXXX central time to speak with the escrow department. I called at XXXX Eastern time on XXXX XXXX. I was rudely told I could not speak to anyone in that department. I was told it could not be flagged as urgent as everyone thinks their problem is urgent and she refused to let me speak to a supervisor. I hung up with telling her I would be contacting my attorney. My attorney advised me to register a complaint with your organization.
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| 07/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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My mortgage is with Rushmore Loan Management in CA. In XXXX of XXXX, they OFFERED me a forebearance. I called them and asked for the details of such and they explained to me that in most cases, the arrears could be tacked on to the back of the loan. I have heard that from 2 other CSR 's since, one as recently as two weeks ago. In XXXX XXXX I applied for another 3 month extension, which, by law, I was entitled to after a new law was passed by Congress. I never received a reply from them. I XXXX, XXXX, I received a letter saying, " Pay up or else. '' When I called and said that I had been told that the arrears could be put on the back of the loan, she told me that she had no idea what I was talking about. I immediately asked for a loan modification and I received a package asking for pertinent documents, which I returned immediately. I was told that I would receive a response within 30 days. On XX/XX/XXXX, 3 MONTHS later, I received another letter saying they had received all of my docs and again, I would get a response within 30 days. To this day, I have never received a response. I have received numerous packages over the months, asking to start the whole process all over again. They will sometimes call and when I answer, they hang up. Then I get to call them and wait forever for someone to answer. For the last 15 months, I have constantly heard that pages from my bank statements are missing, even though I have received emails from Rushmore that they were received. I always send in docs twice because of their problem on their end. It's ALWAYS something, missing pages, expired docs. I can't tell you how many times I have started the whole process over and over again. I have received some form letters from a " XXXX XXXX, '' who is my " relationship manager. '' I have left her numerous messages for the last 15 months to no avail. When I searched the company directory, she was not there. I couldn't even dial her extension, because I got a message that it didn't exist. Last week, I was told by another clueless CSR that they were just form letters signed by a made-up name!!! Last week, I was told by a CSR who said that my loan was in foreclosure and he could not talk to me. I have never ONCE been able to get around these CSR 's to speak to a supervisor or someone in charge, including this XXXX XXXX. Last week, I received a letter from a lawyer in XXXX XXXX, XXXX that foreclosure proceedings have been initiated. I have not received ONE letter from Rushmore about this. I immediately called Rushmore and demanded that XXXX XXXX call me back, which she finally did after 15 months of my constant messages to her. Astonishingly, she told me that she nor Rushmore had received anything from me since XXXX of XXXX!!!!! Based on that MININFORMATION, she initiated foreclosure proceedings against me. I told her that I have sent many, many documents and docs to them to no avail. I am a XXXX XXXX XXXX XXXX widow who takes all of these letters and packages seriously. If I lose my home, I would have nowhere to go. I would be XXXX. I have XXXX XXXX and XXXX who depend on me. It would kill them and me to lose them. Why would I ignore all of these letters and requests for docs from them?? I would also like to mention that I requested mortgage assistance due to Covid twice and never got a response. Now I have been told that it's " too late. '' I have been trifled with, led along and lied to for 15 months. I can make no sense from most 'CSR 's. They are not well-trained. I have not received the same information from any of them twice. I am scared to death. I am NOT a loan number. I am a responsible human being. I NEED HELP NOW!!!!!!
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| 02/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX SSN : XXXX Loan # XXXX Date XX/XX/XXXX Complaint Credit Reporting for XX/XX/XXXX : To whom is may concern : This letter is being sent to you in response to your intent to collect a debt. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collections Practices Act, 15 USC 1692 SEC. 809 ( b ) that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : Confirmation of POSITIVE CONTACT ( Tracking numbers, voicemail etc. ) to inform the above name of discontinuation of acceptance of funds via cashier check from XXXX XXXX XXXX XXXX.
Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgement if applicable Detail why you accepted payment XXXX confirmation XXXX Detail why payment on XXXX was NOT accepted even though made via the same method confirmation # XXXX At this time I will also inform you that if your offices have reported invalidated information to any of the three major Credit Bureaus ( XXXX, XXXX, or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletions request shall be sent to me immediately.
I would also like to request in writing that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to or with and third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX CC : Federal Trade Commission XXXX XXXX XXXX, XXXX Washington, DC XXXX CC : XXXX XXXX, Florida Attorney General The XXXX, XXXX XXXX XXXX, FL XXXX
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| 03/29/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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My mortgage company Rushmore has been continually changing the rules and guidelines as I have tried to negotiate and work with them to modify my home loan. As a result, I am in danger of foreclosure and have a sale date set for XX/XX/XXXX I have been involved in negotiations with Rushmore for several months in an attempt to modify as well as assume this loan that was drafted in my now deceased mother 's name XXXX XXXX XXXX XXXX. My name is XXXX XXXX, I am her daughter and the legal heir. Their agents have been difficult to work with and have changed guidelines and rules and repeatedly moved the goalposts as I continue to jump through hoops to try and resolve this matter. Between me and my husband we can definitely afford a fair mortgage payment, but need Rushmore to work with us to address delinquent payments from the time of my mother 's passing as well as properly putting the loan into my name. I have complied with every request for information, then I am told it is not enough and that they need more. When I send in more their agents tell me it is too late, it is less than 37 days before a sale date so they ca n't even look at this information. It seems disingenuous and wrong that their agents are handling the matter this way.
In XX/XX/XXXX, my mother acquired her property signing a HORRIBLE adjustable rate home loan originated with XXXX XXXX Bank. My mother 's mortgage has been transferred several times and was with XXXX in XX/XX/XXXX at the time of her passing. I inherited her home and subsequently incurred a substantial amount of unexpected out-of-pocket funeral and burial expenses. In XX/XX/XXXX, due to the struggling economy, I was laid off from my job. The aforementioned events compounded together caused me to fall behind on the mortgage payments. I contacted XXXX agents advising of my struggles. It was extremely difficult to actually speak with any agent. Next, I was advised that my loan had been transferred to XXXX, which is a division of XXXX as I understand it. I reached out to XXXX 's agents, but again had difficulty connecting with an agent. On the rare occasion I could get an agent on the line, they seemed extremely unwilling to work with me. XXXX 's agents advised me that the only option to resolve my mortgage crisis is to tender a lump sum payment to reinstate my mortgage loan. This request was and still is unaffordable. I continued to dig in and fight to get a review opened only to find that the loan had been transferred to Rushmore in XX/XX/2016.
I have been able to speak with agent XXXX XXXX and had hopes that a comprehensive review of my current and correct financial information would be conducted. However, Rushmore continues to question my legal paperwork sent from my lawyer showing that I am the rightful heir through inheritance. Their agents continue to question the fact that my brothers already filed quit claim deeds in XX/XX/XXXX so that the title is held free and clear in my name. My lawyer has reached out to Rushmore on many occasions and provided everything that they have asked for. After their agents verified everything was received, we were then told that Rushmore would not look at the paperwork because the sale date was scheduled within 37 days.
I know that Rushmore has the ability to work with me, I know that there are government and internal programs available for homeowners in my situation. We CAN afford a fair and reasonable mortgage payment and need Rushmore to review us for modification, forbearance plan, restructured loan or even some type of repayment plan. However, despite months of significant effort, we continued to be denied access by their agents.
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| 12/01/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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We been working with XXXX on short sale since XXXX of this year. Had 2 sale contracts with cash offer for purchase of our property. XXXX gave us verbal approvals and promises, But instead of officially in writing approving and closing short sale they send us letter and transferred loan to servicing to Rushmore Loan Servicing as of XXXX XXXX.
My realistate agent has contacted Rushmore right away in order to process short sale transactions ASAP. Rushmore has send BPO agent to confirm value of the house. They do have a copy of appraisal that was done by licensed appraiser ordered from XXXX earlier this year ( with value {$830000.00} ) We have found out that Rushmore has send documents for property to go to forclosure sale on XX/XX/XXXX
When we finally got hold of representative at Rushmore after leaving messages for couple weeks, they informed us that BPO value came in at XXXX. And they are not willing to sale it to buyer we have because Home worth more then XXXX lisensed appraisar appraised it at ( {$830000.00} ) They dont want to listen to our realtor explaining that Home has severe water damage and mold and need repairs for around {$200000.00}. Also that its been on a marker for several years at {$700000.00} + range and hasent sold. My realtor been asking Rushmore to Re-order new BPO, is explanating that the one thy got with high value over million, very incorrect. So two weeks ago realtor got a called from agent stating she been hired by Rushmore to do a BPO for our house. And last week when our realtor contacted this person back she said she appraised it at high {$500000.00} range considering repairs for almost {$200000.00} that need to be done. She also said that Rushmore was pressuring her and asking to raise up the BPO price to much higher then what she came up with. And she refused to do it. ( We have contact information for this agent and in writing info. She communicated/send to us as evidence ) My realtor got hold Rushmore this Monday, but they denied to have any knowledge ordering new BPO or a value of this new BPO. ( We have it in e-mail corespondents from Rushmore ) Also, Rushmore and there representatives refuse to even try to approve short sale or send us a counter offer with sales price they are willing to accept. We have forclosure date of XXXX XXXX.
My Husband is XXXX XXXX XXXX VETERAN and recovering after XXXX XXXX XXXX in last 4 years. He is also has XXXX as pard of his XXXX. This forclosure and eviction situation and unwillingness of Lender to accommodate and help with short sale, causing him extreme stress and anxiety in addition to what he is dealing with XXXX.
We BELIEVE that XXXX XXXX XXXX in COLLUSION with XXXX and determend for unknown to us reasons to foreclose on our home Insead of assisting us with short sale so we can eliminate, resolve and pay off all other debt agains this property and give us a chance of clean slate and new beginning.
We found out throughout research that Rushmore owned by XXXX. Rushmore has posted on there Company site that they under umbrella of Parent company Well we researched that that company is XXXX XXXX XXXX XXXX that is registered in XXXX in county of New York as an Foreign LLC. And its registerd under XXXX of XXXX XXXX XXXX.
PLEASE HELP! We are getting ready to send this information and ask for help and investigation to the President Office at White a House. My Husband didnt serve this GREAT country for 25 years and became XX/XX/XXXXto be trited like this, to get evicted with his family and to get Foren companies like XXXX, Rushmore and XXXX colluded instead of helping and abiding by American Laws that protect XXXX veterans.
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| 01/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Date : XX/XX/XXXX Mortgage Loan Servicer : Rushmore Loan Management Services XXXX XXXX XXXX XXXX, CA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX.
Property Address : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Ref : Unethical, Deceptive and Unfair Mortgage Loan Lending Practices Mortgage Loan Number : [ XXXX ] I am writing to request investigation on the following unfair mortgage lending practices described below with regard to the mortgage loan on my property at XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX. I purchased my property on XX/XX/XXXX nearly 14 years ago at a cost of {$100000.00}. Unfortunately, the loan was transferred to Rushmore Mortgage loans several years ago. Since then the principal owed continues to increase despite payments made. Since then I have paid over {$93000.00} as mortgage payment and due to the balloon payment strategy implemented by Rushmore Mortgage Loans, the principal amount currently owed still stands at over {$90000.00}.
Unethical, Deceptive and Unfair Lending Practices 1. Rushmore has repeatedly imposed excessive unjustifiable fees and interest rate charges on my mortgage loan thereby taking advantage of me as unsophisticated elderly borrower. This has made the terms of my mortgage loan with Rushmore difficult or impossible to payoff the principal amount on the loan. For instance, the outstanding principal payment on the loan which was {$86000.00} in XX/XX/XXXX has increased and has now exceeded {$90000.00}. Rushmore Mortgage loan has failed to make certain disclosures that could justify the needless increase of the principal on my loan amount. While my original loan of {$100000.00} had interest rate of 5 percent, I have been charged over {$11.00} per day as interest payment to my mortgage loan which is higher interest rate than the original interest rate I was promised, this is in violation of the TILA ( Truth in Lending Act ). In addition, all accrued interest and other fees including attorney fees are being added to my principal. Rushmore has also added late fee that is greater than 4 % of the past due payment. Rushmore has fraudulently and deceptively created balloon payment strategy in violation of HOEPA ( Home Ownership and Equity Protection Act ). As a result, the terms and benefits of my mortgage loan were grossly misrepresented to me. As a result of these unethical actions by Rushmore, I am currently facing foreclosure. For example, my total payment of {$33000.00} made in XX/XX/XXXX has the following breakdowns : a. Principal Payment -- -- -- -- {$4300.00} b. Interest Payment -- -- -- -- - {$14000.00} c. Escrow Payment -- -- -- -- -- - {$4700.00} d. Fees -- -- -- -- -- -- -- -- -- -- -- -- -- -- {$490.00} e. Recoverable Advances -- -- {$9700.00} TOTAL MORTGAGE PAYMENT ( Year=XX/XX/XXXX ) = {$33000.00} 2. Rushmore Mortgage Loan has repeatedly imposed excessive points and fees during the life of my loan by failing to disclose the true costs and risk associated with my mortgage loan.
3. Rushmore Mortgage loan has attached my mortgage loan with an expensive hazard home insurance policy even though my home already had hazard home owner insurance coverage policy with XXXX XXXX. These charges have increased my monthly payment by a large amount. I therefore believe that I am entitled to a refund of excess funds in my escrow account and I have not received them.
4. Rushmore was deceptively working with me on loan modification options while proceeding with foreclosure without proper notification. This is in violation of Federal law that restricts dual tracking.
If you need to contact me, I can be reached at XXXX Sincerely, XXXX XXXX XXXX
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| 06/22/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I had opened a flood insurance claim on XX/XX/19 that was investigated and damages were paid by my flood insurance company to my mortgage servicer at the time ( Rushmore Loan Management ). The check was sent to Rushmore, and issued with my name on the check as a joint payee, but apparently the bank didn't need my signature to deposit the check which I find strange. Moving forward, I was in the process of refinancing my mortgage with Rushmore prior to the flood happening, closed on the refinance with a new company, and paid the previous loan through Rushmore off in full. Rushmore was still handling the flood claim as they were my lender at the time the insurance claim was initiated on XX/XX/XXXX. I have called both customer service and the loss draft dept. at Rushmore at least 50 times in the last 3+ months to find out where this insurance money is and why it hasn't been distributed to me as the property owner. I had already paid for all of the damages caused by the flood out of pocket due to the negligence throughout this entire process. Every time I contact Rushmore, I get a different person and a different answer. On several occasions I was told my mortgage and my insurance claim is no longer their problem or in their interest. Rushmore representatives also denied ever receiving or depositing my insurance check until I confronted them with a copy of the check I obtained from the insurance company that clearly showed their " for deposit only RLM '' stamp on the back of it. Prior to that I was also given a runaround that the check was mailed to my new mortgage lender, however after contacting them several times, they knew nothing about the claim or the check. After endless attempts and threats to hire an attorney to resolve this, customer service FINALLY acknowledged yes they did indeed deposit my check and would be distributing the funds on XX/XX/19. That was 30 days ago to date. I have called over and over again, and every time I am given a different answer as to when or if at all, a check was mailed. I asked for tracking or to speak with someone who would know, but apparently not a soul at Rushmore knows who handles the outgoing payments or who takes care of the mail. When I called on XX/XX/19 to check the status as I hadn't received a check, I was told it was probably lost and that I would have to wait until Monday to have one reissued. I was then told I would receive a call around XXXX XXXX. by the same agent I was speaking to. Monday rolls around, I waited until XXXX XXXX., surprise no phone call. I call Rushmore and they say OK we will issue you a new check and elevate the status to put a rush on it. You should have it by the end of the week. 7 days go by, no check. I call on Monday XX/XX/19. I get transferred multiple times and no one knows anything about a check. Big surprise. I finally ask to speak to a manager as I am sick of dealing with this. I get put on hold for 15 min. Someone picks up who I assume was a manager and says yes a check was issued on XX/XX/XXXX. But the last person told me it was issued on XX/XX/XXXX I say? He says you should have it by Friday. Frustrated yet again, I wait another week. As of today it is XX/XX/XXXX and I still have no check. They verify my mailing address every time I call. From California to Wisconsin takes 3 days on average for first class mail. I am done hearing excuses. I don't believe anyone is, or has ever issued a check. I believe that Rushmore is holding the escrow money that it owes to me in hopes that I just give up and stop pursuing it, as my loan is paid in full and they can no longer profit from my monthly payment.
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| 09/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Rushmore loan management servicer received my mortgage loan as it transferred from XXXX during CARES ACT forebearance/deferral. There were no late fees charged or bad credit reporting until recent months and it's affecting my credit score.
Rushmore has not honored loan terms as previous upon transfer and will only allow me to speak to loss mitigation department that repetitively takes over phone conversation upon my calling and threatens foreclosure and offers me deed in lieu to take my home.
They will not accept payment since loan transferred upon my multiple efforts to do so by phone or online. They only offer my full balance owed to be paid in lump sum or threaten the foreclosure or taking my home through deed in lieu since loan was transferred while under CARES ACT.
After more than 10 phone calls to Rushmore I was given information by one phone representative to complete a package of papers and attach documents if unable to pay one time lump sum balance or prevent further offers for deed in lieu. I submitted a completed package they refer to an application for loan modification although I've communicated that I would like to resume payment as prior to CARES ACT forebearance/deferral. Once receiving my " application '' I received notice that they received it. Weeks following Rushmore sent me notice that it was incomplete due to missing documentation such as divorce decree that does not apply. They sent 3 letters delaying my complete application before finally agreeing and confirming it is as it was complete tge first time, nothing omitted in reference to my complete application.
Earlier this year Rushmore did not send payment as terms before loan transfer to my home owners insurance company that has covered me since 2007 when purchasing home. They claim they sent three faxes to homeowners insurance to get address to send payment but never followed up to ensure correct FAX ir phobe number. The neglected to call and my policy was dropped. My loan was transferred in past since purchasing home in 2007 and this has never happened. I requested the faxes they claim to have sent to homeowners insurance company with confirmation. They did send me faxes they claim sent but there is no confirmation of them being sent.
I was unemployed last year due to covid. I received unemployment through CARES ACT. I was under CARES ACT mortgage forebearance/deferral under CARES ACT with previous servicer. I applied for HAF assistance and have an application number. Rushmore is refusing to receive payment from me as terms with previous servicer, neglected to pay my homeowners insurance by escrow as previous terms and servicer, they are now reporting my debt to credit agencies and adding late fees illegally. Rushmore will not communicate with me when I call to get information. Their staff get angry and emotional and threaten me with fear-enducing ideas and language to defeat me regarding taking my home and ruining my credit through their threats of foreclosure and deed in lieu. Rushmore does not give me adequate information or provide me with means to recover from crisis related to loss of employment last year, covid, CARES ACT policy and government agency.
I am a healthcare worker unable to always answer phone calls while working with patients. I've called several times after XXXX to communicate with Rushmore and receive emotional outbursts from their loss mitigation department phone staff who do not provide information in-line with ethical, legal processes or guidelines outlined under CARES ACT. Every opportunity has been used to delay or defeat the consumer.
Sincerely
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| 11/14/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I Need CFPB Help after I inherited a home plus on I am on Joint Tittle!
CFPB rules can help you keep a mortgaged home that you inherit.
Treasury Code : CFR 240.15 - Checks issued to deceased payees.
Rushmore Loan Management services are ignoring and refusing the rules set by CFPB Note : The CFPB interpretive rule and corresponding guidance on how to implement the rule imposes certain duties on mortgage servicers in situations where the original borrower dies. Mortgage servicers must, among other things : promptly identify and communicate with surviving family members and others who have a legal interest in the home, and promptly provide information about how to continue to pay the mortgage, take over the mortgage loan, or XXXX if appropriate ) qualify for available loss mitigation options such as a mortgage modification.
The servicer must also promptly evaluate whether to postpone or stop a pending foreclosure to provide the heir with a reasonable amount of time to add his or her name to the mortgage and, if needed, apply for a mortgage modification.
RUSHMORE IS IGNORING ALL THESE RULES AND MAKING THERE OWN RULES!!!
My mother XXXX XXXX XXXX XXXX passed away XX/XX/XXXX in XXXX County and owned a home with Mortgage ( Rushmore Loan Management Services ) she was the sole Mortgager on the loan at the time of her death. XXXX had a Living Trust when she died and named my Dad ( XXXX XXXX XXXX ) as the Successor Trustee ( Also Under Calif Law this home was community property ) XXXX XXXX XXXX Received the home located XXXX XXXX XXXX XXXX, Ca XXXX. XXXX County. We also been paying on this home for more than 8 years. Prior to my dads death I have found many documents and letters sent to Rushmore and they refused to talk to his and allow him to modify loan at all.
In XX/XX/XXXX XXXX XXXX XXXX added the home to his living Trust and then in XXXX added me as Joint Tenant and we each placed our individual 1/2 into our own trust. When my dad died XX/XX/XXXX I am the Successor trustee and my dad named me to receive the home in his trust. So now I am The Sole owner with all right and privileges and responsibilities that go with owning a home which I recently sold XX/XX/XXXX. The major Problem is When Rushmore Loan sent me the Refund check from escrow account that I helped pay as I was making mortgage payments. The check came in XXXX XXXX XXXX name ( XXXX ) to my address that I provided and they also have all my information, Phone Number ETC AND I have sent them every single legal document possible BUT Rushmore refuses to talk to me about any account details, will not re-issue check despite the fact XXXX XXXX XXXX has been died for more than 8 years and it's illegal for them according to Treasury Code 31 CFR 240.15 - Checks issued to deceased payees. and they have know she is deceased for a long time. So its illegal for Rushmore to sent a refund check to deceased person and it's there responsibility to make sure any refunds get done in the proper and legal way meaning to the trust of my dad as trustee but Rushmore is ignoring me perhaps they will listen to CFPB?
I Sent check back 2 Times by Cert Mail along with all legal documents But they returned it to me with Deceased XXXX XXXX XXXX Name on it AGAIN! and then sent me Cert letter saying that I'm not authorized so they can't talk to me without even looking at my documents ( Very frustrating ) I have included some documents and have sent everything to Rushmore already. I have documents to show me as joint tenant if needed Please help me!
XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX
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| 11/11/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
Servicemember |
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XX/XX/XXXX I was leaving the Army and looking to buy a house with my then fianc and our teenaged children. As first time home buyers we were qualified for a XXXX loan. We found a home in our price range and I carefully chose XXXX Bank because they were least likely to sell our mortgage. One year later, they sold our mortgage XXXX, which was taken over XXXX XX/XX/XXXX.
This was the worst possible outcome. After carefully avoiding XXXX during the mortgage buying process, here we were. The first thing they did was raise our mortgage from {$1700.00} per month to {$2500.00} per month citing a deficiency in the escrow account. We struggled to keep up, sold family heirlooms, cashed out our annuities, anything to keep from losing the house. Four months later, they lowered the payments to {$2100.00} per month, but we were getting fewer hours due to the weather and it was still too much for us to pay. We were able to keep it up for a year, but XX/XX/XXXX we were laid-off. My husband and I are both XXXX. The financial crisis may have taken a bit longer to get to us than the rest of the workforce, but it hit us with a vengeance. Our friends were getting help with their loans from the government, and they recommended we try to do the same.
We tried for a year to get a loan mod, but were told that we did not qualify because we were still making payments and in order to qualify we would have to be behind on payments by three months. What they did n't tell us is that penalties would continue to accrue.
We stopped making payments and applied for the loan mod again. XXXX asked us to fax over XXXX pages costing us XXXX dollars, but at least we would have our application in and we would finally get help. A month passed, and XXXX contacted us to send the exact same paperwork again, they had allowed the paperwork to expire and if we wanted to mod we had no choice but to resend everything. This was to be a monthly theme where we would spend over XXXX dollars to send them paperwork and they would ignore it until it was expired. All we could do was continue to send the same paperwork to XXXX every month and hope that one day they would actually review it.
Finally XX/XX/XXXX XXXX let us know that our mortgage would be reduced by only XXXX dollars a month. It turned out that all of the payments that we missed plus all of the interest and penalties, fees and so forth was added to the mortgage. They did n't even lower the interest rate. Six months later XXXX cashed out our P & I insurance and the loan went back XXXX who then sold it to Rushmore Loan Management XX/XX/XXXX. Once again I began negotiating to keep the house. Rushmore told us that we would have to come up with a down payment of at least {$8000.00} in order to get a loan modification. We started the paperwork all over again and this time we were successful. They gave us a six month trial payment of {$2100.00} per month.
When the new paperwork came in, we were not able to hire a lawyer to look it over carefully, but we read it the best we could. It was n't until we had already signed it and sent it back that we realized that not only had they not reduced our loan payments, but they had tacked another ten years onto the mortgage. Our {$210000.00} home would end up costing us almost XXXX XXXX dollars by the time it was paid off, and we would never be able to pay it off during our lifetime, since we are almost XXXX. Then Rushmore raised our mortgage to {$2200.00} per month, citing a deficiency in the escrow account. They are likely to push us into foreclosure so they can also cash out on our P & I insurance.
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| 10/02/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I had my mortgage sold to XXXX XXXX last year and I have had nothing but problems and increased payments, troubles. Last year they purchased my loan at which time I was to get my over escrow amount paid to me ( it was a new build so my taxes were estimated at a flat {$5000.00} while we waited to get the assessors report ). When they took over the loan they did an escrow amount, then said that I owed another {$280.00} in escrow each month as they did n't know what my taxes should be. After 4 months of going back and forth and them withholding my money ( and incorrectly raising my PMI which is a set amount for the life of the loan by the way ), they finally cut me checks in two installments. It became very obvious they wanted to hold on to this money as long as they possible could for FCF purposes. WORST CUSTOMER SERVICE OF ALL TIME-When it was done I was willing to pay the cost to refi to not have to deal with them again but they made a great point that they could end up buying my mortgage right back from them ... Great system we have.
Fast forward to today and I suddenly got an increase in my escrow payments of {$150.00} due to what they called an " out of cycle escrow review ''. They sent the escrow review and had paid my taxes within 3 months of each other so it showed a big shortage of course. Then the month immediately following their payments for my taxes ( almost back to back knowing they would cause a shortage ) they happen to run a escrow analysis?? I called and my escrow payments of {$390.00} x 12= {$4700.00}. My mortgage insurance is $ XXXXx12 {$770.00}, taxes {$3000.00}, and insurance is {$920.00} which totals : {$4700.00}. So if paid correctly I should have a shortage of {$.00} ... Why am I having to pay an extra {$150.00} each month? So they can accrue money from me to give back in a years time and use it as FCF. This would add up quickly with thousands of customers.. They said it 's federal law for me to have {$720.00} in my escrow at all times? I have two other properties with escrows and never have had this come up before. I have never had so many escrow reviews in 18 years of paying mortgages.. I can only think they are spending the time to do these at specific times to get us to overpay our escrow, take our money for FCF investments and then pay it back in 10-12 months.
So I proceeded to ask for my PMI payoff amount. They refuse to give me an individual to work with but rather have me call into the XXXX number each time and essentially start from scratch. They proceed to tell me my LTV is 81.8 % right now but say they can not give me an actual number I need to hit. I do n't understand why this is? They tell me to write and mail a letter in and they I would be responsible for the appraisal in case my value went down. That upsets me further as they are over {$400.00}, but I understand they need to make sure the property value is not declining for the LTV.
To my question : They proceed to tell me that my property must be to 75 % LTV if it 's less than 5 years, and then after 5 years it goes to 80 % LTV. This is no where on my PMI Disclosure statement from the first company. How can this change? I read through and through on the CFPB PMI rules and see this no where. Is this accurate, or is this company once again trying to get me to pay {$64.00} a month for no reason?
How can this industry be so bad at working under the same rules. How can I be so furious with a company to want to pay thousands of $ 's to not use them only to have the chance I will end up back as one of their customers. Someone help me please.
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| 03/01/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Rushmore violate The California Homeowner Bill of Rights ( HBOR ) in many ways. I submit the complete package loan modification on XX/XX/XXXX, my representative XXXX called Rushmore on XX/XX/XXXX talk to XXXX her ID # XXXX she said Rushmore receive nothing except the loan modification submitted back on XX/XX/XXXX and it closed on XX/XX/XXXX. She said it's no sale date set for the property. XXXX called back on XX/XX/XXXX talk to XXXX, XXXX said that some documents up load today and there is no sale date schedule. We call back later on XX/XX/XXXX talk to XXXX XXXX, he said he read the note that some documents come in.
We call back on XX/XX/XXXX talked to XXXX ID # XXXX she said the Rushmore received the loan modification package on XX/XX/XXXX, we request the reinstatement quote and payoff information and she suggested to call back next week on Wednesday XX/XX/XXXX to check for account status with the reinstatement quote or payoff information.
We call back on XX/XX/XXXX talk to XXXX ID # XXXX he said that the file on the review status, we call back talk to XXXX ID # XXXX he read the note that the loan modification complete, suggested to call back next week for the account status and no sale date.
We call back on XX/XX/XXXX talked to XXXX XXXX she said that Rushmore need some missing documents : XX/XX/XXXX paystubs, 2 recent rent deposit, 6 month of business and explanation, proof of fund for down payment, the new single point of contact ( SPOC ) is XXXX XXXX and his manager is XXXX XXXX. We called back talk to XXXX ID # XXXX, she advised that borrower need to submit all missing documents during 15 days from XX/XX/XXXX.
On Saturday XX/XX/XXXX Rushmore posted the Notice of Trustee Sale on my door. They set the sale date on XX/XX/XXXX. We call back on XX/XX/XXXX talked to XXXX, he said that Rushmore will not review my loan modification, Rushmore will not send any letter for the missing documents and he read the reinstatement quote issued on XX/XX/XXXX valid to XX/XX/XXXX is {$200000.00}. He said that Rushmore do not waive the late fee, the new SPOC is XXXX XXXX, his phone number is XXXX, XXXX said that my last payment is on XX/XX/XXXX, Rushmore did not receive any payment from me from XX/XX/XXXX. That is not true, here are attached payments until it overdrawn when Rushmore increase payment from {$2900.00} to {$11000.00}.
Moreover XXXX XXXX refuse to talk to my representative XXXX, even he did not know what he's talking about " he said that my last payment is XX/XX/XXXX, Rushmore did not receive any payment from me from XX/XX/XXXX ''. Rushmore recorded the conversation, please review it for yourself. I am extremely disappointed and I do not know how to deal with Rushmore, they do not want to help the borrowers. I really need a new SPOC, I can not work with XXXX XXXX. Rushmore misleading the borrower and I did submit the loan modification complete package but Rushmore ignore it and rush to foreclosure on my property.
Reinstatement Errors : Your company failed to provide an accurate mortgage Reinstatement that I requested on XX/XX/XXXX XXXX said that the reinsatemetn quote issued on XX/XX/XXXX vaid to XX/XX/XXXX is {$200000.00} when we received the email from the previous SPOC XXXX XXXX " This is confirmation of the following : I will waive {$16000.00} in late fees, if the reinstatement in the amount of XXXX received by XXXX.Please be advise that the reinstatement already includes late charges being waived. " how can the amount increase {$16000.00} ( XXXX XXXX XXXX XXXX XXXX XXXX dollars XXXX XXXX cents ) for the same month.
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| 02/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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XX/XX/XXXX Rushmore Loan Management Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear To Whom It May Concern : RE : Account NO # XXXX This letter serves as a general complaint against Rushmore Loan Management Services. My name is XXXX XXXX and I am the owner of XXXX XXXX XXXX in XXXX, New York. The said Servicer has been managing my mortgage account for several years. At the beginning of the Pandemic Federal and State Laws were in effect for all financial institutions to assist struggling homeowners impacted by Covid-19. Any arrear payments were to be placed to the back of the loan and the consumers were not required to pay the lump sum once the forbearance ends. As of XX/XX/XXXX, the lump sum payment due is {$3900.00}. I am citing the Servicer for the following reasons : A. Refusing to Obey Federal and State Laws Regarding Covid-19, B. Trying to Collect of Lump Sum Payment, C. Returning Payment of {$330.00} At the end of XX/XX/XXXX, my forbearance involuntarily ended. A Loss Mitigation Application was accompanied during that period but was damaged by water upon receiving the application. Subsequently, a lump sum payment became aggressively pursued by the Servicer. I have been in contact with the Servicer on several occasions in regards to putting the payments to the rear of the loan and pursing monthly payments. In addition I had advised the Servicer in XXXX and XX/XX/XXXX of the damaged Loss Mitigation Application they forwarded. In turn, I was advised by the Servicer on each occasion of the resources available to me from them and in my state of New York. RLMSs policy is that even if I am in a workout program with the institution they will continue to pursue Foreclosure.
Recently, on XX/XX/XXXX I spoke to a representative who advised me to submit the long-awaited Loss Mitigation Application along with supporting documents. They advised me that a Letter of Intent had been forwarded to me and the reasons for my returned monthly payment. In turn, I advised I just got home from the hospital still dealing with the effects of Covid-19 and will supply all the information requested by XX/XX/XXXX. The Representative advised me of all the resources available to me and my circumstances. However, they stated my account will be notated I am seeking to put arrear payments to the back of the loan.
To this date, I have not received any contact from the Servicer as they aggressively pursue Foreclosure of my property. Unfortunately, I work long hours but have been trying to get in touch with the Servicer during break periods. I am forced to endure long wait times that I can not afford while working and I get off work at XXXX pm. I have provided everything the Servicer requested but still have been unsuccessful putting arrear payments to the back of the loan. Former XXXX XXXX XXXX was very clear all arrear payments were to be put on the back of the loan and this regulation had been abided by all other financial institutions I have encountered. XXXX XXXX XXXX has provided the XXXX Mortgage Assistance Relief Fund and although I have applied for this program is on a first come first serve basis. In addition, I should not require a XXXX party agency to assist with channeling documents and corresponding with RLMS on my behalf. I am quite capable and the Servicer should be able to effectively handle consumers who choose non-representation. I retain all correspondences and RMLS persons/dates contacted in support of my complaint. I do not send a payment history report just a direct response letter.
Sincerely, XXXX XXXX
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| 08/14/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Older American |
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XX/XX/XXXX we, XXXX XXXX and I, XXXX XXXX, loaned XXXX XXXX dollars to XXXX XXXX and took back a second deed of trust on his house at XXXX XXXX XXXX in XXXX Nevada as security. He made a couple of payments and then stopped paying his payments to us. We tried to work with him but he refused to pay any further and filed for bankruptcy. After several years of fighting in court with lawyer fees and lost time and interest, we were finally given a deed after the foreclosure sale on the second deed on XXXX XXXX, XXXX. We immediately contacted XXXX XXXX XXXX to get a payoff figure so we could sell the house to recoup our retirement moneys. One of the bankers told us that the figure should be about {$200000.00} dollars, but he could n't handle our situation, and referred us to other bankers who did n't help. The bank would not talk with us and just kept dragging it out month after month until finally one of them told us that Rushmore Loan Management owned the note. They apparently bought it from XXXX as a Non Performing Loan for a fraction of the out standing balance, even though we were willing to pay off the whole balance due, well before XXXX sold it. We finally made contact with RLM, XXXX XXXX XXXX, ( and XXXX XXXX XXXX, who never got back to me as promised ), and made an offer based on what we had heard for XXXX about the amount of the balance owed. RLM now wanted us to send certification of funds with our offer. This ties up our moneys as they would wait for weeks each time to " hear from the investors '' about our offers. It has now been almost a year and a half they are still adding fees and interest and having us up our offer, they now say that the payoff is around {$290000.00}. This seems unfair. We feel like they are taking advantage of us because we are both seniors and not up on the most recent banking tactics and strategies.
So we discovered how banks sell the XXXX to private investors who make huge profits at the foreclosure sales. We discovered that XXXX had actually sold the note to another bank while going through other questionable corporations. One of the private LLCs was actually wholly own by the XXXX XXXX XXXX. Then we discovered that RLM was actually the Attorney for XXXX. It all starts to look fishy and banks seem to be colluding get these homes. In this process we discovered that after we notified WFB that we wanted to pay off the XXXX Loan on XXXX XXXX XXXX XXXX, they quickly sold the note to XXXX XXXX XXXX on XXXX XXXX, XXXX. Why the rush to sell this note when we were trying to pay it off. Then we discovered that GCAT had sold the same note to XXXX XXXX. on XXXX XXXX, XXXX, over a month before they actually owned it. They tried to hide this problem by recording the deeds out of order, but the Execution Dates are clear on both deeds. XXXX is apparently owned by XXXX XXXX XXXX. There have been lawsuits with these banks for not having the loan documents handled correctly. So, what are a couple of XXXX citizens supposed to do against the power of the big banks, especially when there are shady practices going on with these documents?
We do n't mind the banks making a rightful and legal profit. But this seems to be an illegal practice to squeeze out an excessive and unfair profit by not dealing in good faith and adding interest and fees continuously, long after we had tried to pay off the original note, on XXXX XXXX, XXXX.
This time I have named names and I will enclose the documents I mentioned above. I hope this what you need to help us correct this situation. Thank you for caring about XXXX.
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| 05/25/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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The property was originally purchased in XX/XX/XXXX and the loan modified in XX/XX/XXXX following a failed attempt to market and sell the property. The property was then rented until XX/XX/XXXX. A market analysis was conducted in XX/XX/XXXX by a realtor to determine value of the property and degree of market recovery in the area. It was determined that home values had not returned to XX/XX/XXXX levels and that the maket would bear a price of only {$55000.00}, compared to the mortgage balance of nearly {$85000.00}. The analysis of the property also revealed that investment would be necessary to re-list the home for rent and that no amount of investment would yield a home value that would meet or exceed the mortgage balance. The investment needed was not a financial fesibility. Carrying the mortgage without rental income was also an impossibility. Given this, we communicated with Rushmore Loan Management, the mortgage servicer, to determine options and were advised that a short sale was an option that seemed logical given the value of the home compared to the mortgage balance. We were not advised at that time that Rushmore did not have authority to give final approval of a short sale. Based on the information provided by Rushmore, we proceeded with the short sale process. As part of that process, various documentation was provided to Rushmore, pricing was approved by Rushmore, an appraisal was ordered by Rushmore ( showing a value of {$49000.00} - 51,000 ), a price reduction was advised and approved by Rushmore. At no point was I or my realtor advised that Rushmore could not provide final approval of the sale contract. An offer was received and approved by Rushmore. Based on this, another appraisal was conducted by the buyer that showed a value of {$55000.00}, slightly higher but still significantly less than the mortgage balance. Rushmore approved the offer. At this point, following approval of the purchase offer, Rushmore advised that the offer and short sale must received final approval from the " investor '' and that decision notice would likely be received within 24 hours. Two weeks later on XX/XX/XXXX, after numerous unanswered follow up calls to Rushmore, my realtor made contact with Rushmore and was advised that the " investor '' denied the offer and would not consider anything less than the full loan balance or a deed in lieu of foreclosure. I realize that this is within the bank 's right to decide. My issue is that I was I never properly advised of the short sale process, who truly held authority to approve or disapprove the sale, and the mitigation options that were truly available to me. I was led to believe that Rushmore could, would and did approve a short sale given the property 's value compared to the mortgage balance. I should have been advised, from the beginning, that Rushmore could not approve a short sale and that approval or disapproval was the determination of XXXX XXXX XXXX, the mortgage owner. Now we have spent significant time pursuing a non-option and the overall situation is more dire - further behind on payments, further damage to credit. This situation could have been mitigated with correct and proper information from the beginning, if this processes included involvement of the bank from the beginning, not the end. We have fought, for years, to do the right, responsible thing and maintain this property. Now, because information was withheld, we have lost choice and control over what happens with our property and face significant, detrimental financial impact.
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| 07/06/2021 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Sent from my XXXX Begin forwarded message : From : XXXX XXXX XXXX Date : XX/XX/XXXX at XXXX XXXX EDT To : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX Subject : Third complaints to FTC and FCPB against Rushmore, XXXX XXXX XXXX XXXX and Attorney seeking to illegally sell on sheriffs sales based on the judgment obtained for XXXX XXXX, not Rushmore and XXXX XXXX XXXX XXXX Dear OIG/Ombudsman , Rushmore XXXX XXXX XXXX XXXX and their Attorney are engaged in serious Bad faith business practice knowing that once the disputed sheriffs sale happens on XX/XX/XXXX, I might not have the opportunity to expose the fraudulent act they are practicing. I dont have any mortgage with XXXX XXXX XXXX XXXX Rushmore client. The attorney on XXXX obtained a judgment on behalf of XXXX XXXX for the about {$25000.00} HELOC I owed to XXXX XXXX XXXX from XXXX through XXXX when my bankruptcy was active. XXXX XXXX XXXX sold the HELOC loan to XXXX XXXX and serviced by XXXX XXXX. XXXX XXXX attorney filed a foreclosure action and obtained default judgment of the principal, interest, fees, insurance charges, penalties totaling about {$43000.00}. I filed appeal to request a new trial but the attorney proceeded to sell the property in sheriffs sales. Suddenly, Rushmore LMS communicated with me and claimed to represent XXXX XXXX XXXX and began to classify the judgment amount as mortgage. Rushmore put together similar charges already part of the judgment amount as amount owed. Rushmore continue to create accounts and charges legal fees etc and currently demands a payoff amount of over {$63000.00} and reinstatement quotes of about {$4300.00}. Meanwhile the reinstatement copy attached was the previous stated showing {$34000.00} due on XX/XX/XXXX and I paid XXXX towards the judgment amount but it was rejected. For about 2 months ago, I have been requesting for a statement of the said amount. No statement has been requested. Their reason is that the attorney assured them that the last date to sell the property ordered by the court is on XX/XX/XXXX. Until now, I am making this complaint no statement has been received. However, I have offered the amount of {$43000.00} to pay the judgment amount but the referred to it as reinstatement. I have been waiting to receive the account statements demonstrating how Rushmore LMS got about {$63000.00} or reinstatement amount requested. Believe me, I have never experienced the types of business practice like I am currently facing. The attached proof of cashiers purchased to confirm willingness to pay as soon as I receive the detailed statements showing how you determined a total amount of {$63000.00} you are demanding. Otherwise, I will file a lawsuit bad faith and unfair business practice that has caused me to seek medical attention for the psychological and emotional pains I am currently facing. I intend to seek damages for the suffering and punitive. I look forward to hear from you before the sheriffs sales date scheduled for XX/XX/XXXX not for XXXX XXXX but XXXX XXXX XXXX unknown to me. Rushmore sent letter attached here promising to address my concerns meanwhile sheriffs date is set for XX/XX/XXXX. Reinstatement amount as at XXXX was {$34000.00} ; in XXXX the reinstatement amount demanded is {$43000.00}. How and why almost {$10000.00} difference? No statements provided.
I will appreciate if you the ombudsman can help stopped Rushmore, XXXX XXXX XXXX XXXX and the attorney representing all the entities for the serious bad business practices.
Yours Sincerely XXXX XXXX
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| 07/06/2021 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Sent from my XXXX Begin forwarded message : From : XXXX XXXX XXXX Date : XX/XX/XXXX at XXXX XXXX EDT To : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX Subject : Third complaints to FTC and FCPB against Rushmore, XXXX XXXX XXXX XXXX and Attorney seeking to illegally sell on sheriffs sales based on the judgment obtained for XXXX XXXX, not Rushmore and XXXX XXXX XXXX XXXX Dear OIG/Ombudsman , Rushmore , XXXX XXXX XXXX and their Attorney are engaged in serious Bad faith business practice knowing that once the disputed sheriffs sale happens on XX/XX/XXXX, I might not have the opportunity to expose the fraudulent act they are practicing. I dont have any mortgage with XXXX XXXX XXXX XXXX Rushmore client. The attorney on XXXX obtained a judgment on behalf of XXXX XXXX for the about {$25000.00} HELOC I owed to XXXX XXXX XXXX from XXXX through XXXX when my bankruptcy was active. XXXX XXXX XXXX sold the HELOC loan to XXXX XXXX and serviced by XXXX XXXX. XXXX XXXX attorney filed a foreclosure action and obtained default judgment of the principal, interest, fees, insurance charges, penalties totaling about {$43000.00}. I filed appeal to request a new trial but the attorney proceeded to sell the property in sheriffs sales. Suddenly, Rushmore LMS communicated with me and claimed to represent XXXX XXXX XXXX and began to classify the judgment amount as mortgage. Rushmore put together similar charges already part of the judgment amount as amount owed. Rushmore continue to create accounts and charges legal fees etc and currently demands a payoff amount of over {$63000.00} and reinstatement quotes of about {$4300.00}. Meanwhile the reinstatement copy attached was the previous stated showing {$34000.00} due on XX/XX/XXXX and I paid XXXX towards the judgment amount but it was rejected. For about 2 months ago, I have been requesting for a statement of the said amount. No statement has been requested. Their reason is that the attorney assured them that the last date to sell the property ordered by the court is on XX/XX/XXXX. Until now, I am making this complaint no statement has been received. However, I have offered the amount of {$43000.00} to pay the judgment amount but the referred to it as reinstatement. I have been waiting to receive the account statements demonstrating how Rushmore LMS got about {$63000.00} or reinstatement amount requested. Believe me, I have never experienced the types of business practice like I am currently facing. The attached proof of cashiers purchased to confirm willingness to pay as soon as I receive the detailed statements showing how you determined a total amount of {$63000.00} you are demanding. Otherwise, I will file a lawsuit bad faith and unfair business practice that has caused me to seek medical attention for the psychological and emotional pains I am currently facing. I intend to seek damages for the suffering and punitive. I look forward to hear from you before the sheriffs sales date scheduled for XX/XX/XXXX not for XXXX XXXX but XXXX XXXX XXXX unknown to me. Rushmore sent letter attached here promising to address my concerns meanwhile sheriffs date is set for XX/XX/XXXX. Reinstatement amount as at XXXX was {$34000.00} ; in XXXX the reinstatement amount demanded is {$43000.00}. How and why almost {$10000.00} difference? No statements provided.
I will appreciate if you the ombudsman can help stopped Rushmore, XXXX XXXX XXXX XXXX and the attorney representing all the entities for the serious bad business practices.
Yours Sincerely XXXX XXXX
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| 09/28/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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We wanted to file a complaint against this Loan servicing company Rushmore loan and the Bank which is XXXX. We were trying to ask for a modification on one of our rental properties, they had us re do the paperwork so many times i cant begin to tell you, i have a file almost 5 inches thick on this modification.. We had asked the courts magistrate to help assist us with this modification, and the banks attorney was involved and like another one we have, paper came up not sent timely, which it was, emails sent back and forth, so much paperwork and not just updateing income, re had to redo the banks RMA at least 4 times or more. Each time stating the same info over and over again. They sent a modification to us, it was XXXX over what our rent was from our tenant. Rent was XXXX a month. So they said they would modify for XXXX we could not afford it, so we put the home on the market to sell, short sale, i sent all documents into them at rushmore out in california , to short sale, i also had someone come in to verify the home price and condition, i disagreed with the bpo from another realtor and the apprasal they had done. Also they wanted downpayment money from us as well, it was not very reasonable under our circumstances and income. We were going to try to appeal it but the bank stated to me verbally, the loan servicer that is that we should not waste our time, this is a rental and they will not give us any better modification then what they just did. This is not XXXX or XXXX backed loan. We just modificed a rental home with XXXX loan serviceing which i will add was great to us, did a great job, no headache, no hassles, etc ... and we also modified our home as well, we had some snags there. So we have some experience with this, plus i am a XXXX, for the last 20 years. Well guess what happened as soon as i went to up the rent, tenant said he is not paying more money, and then the tenant stopped paying his rent to us, we had to evict him, he was in the home for over 2 months no rent and we had the property on the market and he the tenant declined XXXX showings on the home. So this put us into even more frustration. Tenant moved out, no rent, we have a family member staying at the home now until we sell it. We have been so upset and frustrated over this modification deal from XXXX, that i have not spoken to the bank for about 60 days due to this loss and headache with the tenant. We did not even try to appeal this, we would have loved to but they have discouraged us in every way. Now the home has been up for sale and now the tenant is out, we can show the home. We just reduced the home, Rushomore loans says they will work with us on a short sale, but i do not think they ever wanted to offer us a modification and the one they offered us was just disappointing to say the least, this all ended bad for us, we lost a tenant and income as well and the servicer and bank do not care, all they want is the home back. We feel they have not been fair from the get go, and now stressed out they will go after us in foreclosure, and not give us fair time to short sale the home, we lost 60 days on the market due to a tenant whom would not let us in to show. This was a bad deal from the start and We have tried to ask the bank to work with us. There is absolutely no communicaiton now. We will call them shortly to give them an update. We need to reduce home now that we can show and sell, it. Any chance you can help assist us with them giving us some time to sell the home. Thanks XXXX and XXXX XXXX
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| 08/04/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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XXXX XXXX XXXX XXXX, based on the letter ( attached ), stating that they are the trustee for the Trust that owns the mortgage and note on my property. I have taken the initiative to request answers under a microscope. I have discovered ( referencing my property XXXX XXXX XXXX, XXXX, PA XXXX ) that there was not ever a loan because the money advanced by investors was subject to a set of documents supporting a bond in which I was not the payor and where I never signed. I was subjected to a set of documents that failed to disclose the real party or the real terms of the entire transaction aka- a black letter requirement of the truth in lending laws. The real purpose of this transaction was an investment scheme wherein the intermediaries took everything-the money & properties. Without my consent, I was converted from a borrower to a securities issuer and your investors were converted from being a part owner in a valid REMIC pool to being the alleged buyer of the security issued by my signature. The right of rescission and damages arouse not only from TILA but from the SEC rules and regulations. Moreover, while researching I just realized that I actually entered into an undisclosed investment contract, NOT a loan. XXXX XXXX XXXX XXXX and all banks affiliated securitization was and is an investment contract. I pray that the Pennsylvania Office of Attorney General request you ( XXXX XXXX XXXX XXXX, Rushmore Loan Mgt., and XXXX XXXX XXXX XXXX ) to produce a real copy of the XXXX form which was filed with the IRS , and the XXXX including the XXXX. These documents will prove that I am the creator. The profits made from the investment mortgage note, belongs to me. The Lender only lent their name to the mortgage loan transaction. The lender NEVER lent me the funds. It was an undisclosed third party who in fact provided the funds for me. Simply, I was tricked into thinking I was the borrower of a loan, when in fact I was a seller of a mortgage note into an investment Trust. The Investment trust never had a right to the mortgage Note.
RUSHMORE, Please Note My Request For Detailed Information : I am requesting from Rushmore | " VP '' XXXX XXXX to forward copies ( via CFPB portal ) of the originators Power of Attorney and the chain of ALL mortgage assignments recorded and for the sake of XXXX XXXX with Rushmore unrecorded assignments. Secondly, I am requesting copies of the Power of Attorney on file representing ALL mortgage assignments from the original originator. Thirdly, I am requesting information of who originated my mortgage? Fourth, please help me understand based on the letter attached from XXXX XXXX, why isnt XXXX XXXX XXXX, XXXX affiliated with XXXX XXXX in any way but authorized to make decisions and take actions of foreclosure? In conclusion, please supply a properly dated trail of assignments to show that the originators legal right to collect and foreclose on my property has been passed from one organization to the next, to the current mortgage servicer who you state IS XXXX XXXX XXXX, XXXX.? I look forward to RUSHMORE response ( via CFPB portal ) without delay.
Lastly, why did XXXX XXXX XXXX XXXX transferred and recorded a mortgage assignment using Rushmore Loan Servicing Loan Number? ( See Attachments ) In addition, XXXX XXXX XXXX XXXX did not utilize a Power of Attorney when conducting a real estate transaction. The XXXX XXXX XXXX XXXX XXXX indenture expired.
Rushmore states that I surrendered property in Bankruptcy, Please note my case was dismissed.
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| 04/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXX Phone : XXXX City : Kansas XXXX XXXX : Missouri Zip Code : XXXX Country : XXXX What XXXX I've had my home mortgage loan with Rushmore for XXXX years, and I have property Insurance thru Rushmore. I recently completed roof damage claim where I made a separate personal loan to pay off the contractors. The claims adjustor kept me informed of the 3 different insurance payments he would have to disburse to Rushmore, then Rushmore was to disburse those same payments to me ; totaling {$10000.00}. Rushmore has been slow in forwarding these payments to me. Each time I'd contact Rushmore Loan Draft dept. I would get some non-factual response. Twice I had called the claims adjuster back to review what should be disbursed to me and the Adjuster replied he doesn't know why Rushmore is holding the money. I stated they keep making excuses. Now todate, I've received {$8700.00} albeit delayed. The last outstanding {$1800.00}, Rushmore agreed they received it on XXXX, but claim the check or accompanying info did not indicate what it was for, so they placed it in a hold account. There is a logged call I placed to Rushmore on XXXX inquiring about the same {$1800.00} and was told Rushmore received it but it will have to be reviewed for XXXX to 5 days. I called on XX/XX/XXXX 3 times and got XXXX different explanations, XXXX being Rushmore reviewed the account, and find the {$8700.00} already disbursed completes all payments. They dismissed my pleas with them. I again confirmed with the Adjuster who stated he disbursed the {$1800.00} to Rushmore on XX/XX/XXXX and that it should have been forwarded to me. I called Rushmore Loss Draft dept back, and kept them on the phone because ( they claim they are unable to contact me due to a cease/desist order I signed some 5 years ago to stop 3rd party calls caused by rushmore. I confirmed with their customer service that that should not prevent the Loss Draft dept from contacting Me regarding a banking transaction pertaining to me. I had them remove the cease/desist order. ). After I implored that they request a manager expedite this transaction immediately, they refused using again multiple excuses. 1. We still don't have the needed info about the {$1800.00} from the Adjuster. I said I will hold while you contact him for the info, XXXX XXXX comes back and say he did send the email, but it will take 3 days for the email dept to forward the info to the Loss Draft dept, then the will have to review everything again for XXXX days. They claim I should receive the {$1800.00} by XX/XX/XXXX. I strongly feel they were trying to deceive me based on my age of XXXX XXXX XXXX. If I was not sharp and persistent enough to fight past their misinformation and untruths, they would have left my {$1800.00} in their hold account, after clearly telling me the {$8700.00} was the complete disbursement to me. I hope you find evidence that will protect others, and redeem us all in some monetary way as my funds were clearly held up needlessly.
XXXX XXXX, Independent Claims XXXX, XXXX, XXXX XXXX, Rushmore 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Rushmore Loss Draft Reps : XXXX, I was placed on hold, disconnected with no call back.
XXXX, stated they reviewed the acct and the {$8700.00} I received is everything I get.
XXXX, who I kept on the line, relaying my info to a supv/mngr I hope. Stated there was no way to disburse the funds today, not even using getting a Fax of the info needed.
Thank You, XXXX XXXX
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| 12/18/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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In XX/XX/XXXX, my mtg was sold or taken over by Rushmore Loans. This XXXX is also my first time being late on a mtg payment since XX/XX/XXXX. I called Rushmore when I knew that I would be behind like this to inform and to find out my options. In XXXX, just 30 days later, I received the notice of intent to foreclose. During this phone call to Rushmore, I spoke with what seemed like the rudest more stoic person that i could ever speak to. There were several issues that I had to address with the hardship that led to my missing a mtg payment. In 5 years I havent been one month late with my mortgage. I fell into personal and medical hardship ironically right before my mtg was sold to Rushmore. My first payment was due XX/XX/XXXX and this was the first late payment as I stated in years. I called to discuss as well as to inform that letters of intent to foreclose was being sent to my physically abusive ex-husband that he signed a quit claim deed, filed with the county in XX/XX/XXXX ; which was done YEARS BEFORE Rushmore acquired my mortgage. In discussing this issue with Rushmore, I became extremely emotional as I had to relive years of abuse in my explanation to Rushmore ; that I even got abused to get that quit claim deed signed. How about this female at Rushmore told me to stop crying, that Rushmore has every right to send him notifications of their intent to foreclose and stop crying long enough to give her the banking information to get payment. I felt like I was being abused all over again and that I was pressured and strong armed into making a payment plan that I subsequently could not keep. Rushmore told me if I wanted his name off that I had to resubmit my request in writing and send in proof ; other than that they would continue to send him notifications. I was notified in writing the terms that my loan had before Rushmore obtained it would be honored and I tried to ask what that meant because a lot of terms were not kept. I'm not sure what the answer was from Rushmore. Also, I filed for Ch XXXX bankruptcy in XX/XX/XXXX. This property which is my primary residence was included in that filing. I dont believe that Rushmore honored that discharge as well as all of their conversation is about collecting a debt. I did receive a modification packet. However ; according to Rushmore ; I am not allowed to ask any questions about my options or even this option, I just have to fill out the packet and send it back. There is a point of contact listed on this packet, same contact I was given two months ago. Seven phone calls and five voicemail messages later, my point of contact has yet to call me. How do I complete this paperwork and I have questions if Rushmore REFUSES to answer them? Feels like another strongarm tactic. Meanwhile, the foreclosure process continues for my home. I hope I was careful not to disclose any of my personal information in this description as I noticed when I read the comments from Rushmore on the XX/XX/XXXX complaints, this company has the most displayed the condescending and none caring tone and attitude that lacks any empathy or understanding. I have a strong fear of retaliation due to my complaint about their non-ethical actionsafter all ... they have the power to take my home. Rushmore either wants their money or your home. There is no room for hardship with this company and rules dont apply to them. These are people 's homes ... not a car, or furniture ... its my home. Yes I have little ones and want to keep my home.
|
| 05/20/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
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Web |
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the mortgage company will not work with me to do a modification on my mortgage. well they said they would 4 years ago but .... they never sent paperwork for me to fill out and return. i always received a letter stating i did n't qualify or they could n't do a modification at this time. this started after i was released from chapter XXXX bankruptcy due to hardship. all my tries at loan modification was done over the phone. i kept on trying to work with these people, even when my mortgage had been turned over 2 times to different agencies. while trying to deal with the second company they sent my XXXX XXXX payment back to me. when i called to ask why they said it was in error and to resubmit. i did and it was returned again. i called them and they told me that there was a problem and for me to not send a payment till they find out what it was. i did not have any arrearages at this time. when XXXX XXXX came around i was dealing with another mortgage company. i explained to them the problem and had it been solved, they of course was not aware of it. so i had to faxed them everything i had on the dispute. i called to find out how they wanted to go forward. i did say i would continue to pay the XXXX payment i had been paying up until XXXX XXXX they said no and would look into the dispute paperwork and get back to me. i tried to stay on top of this and the arrears were growing. i lost my job of XXXX years in XXXX XXXX the mortgage company sent me paperwork with act XXXX on it. i called the number for the commission of economic opportunity and got with their mortgage assistance program. i was enrolled in a program through my county that helps people remain in their homes. i worked with the case worker i was assigned to and during this time i got another job. the first hearing about the modification was XXXX XXXX which was basically a meet and greet and to go over the paperwork. the next hearing was XXXX XXXX to tell me what i needed for modification. the next hearing was XXXX XXXX and by this time i received my letter of awards for XXXX. we added that to the money i had coming in and we had to resubmit our paperwork. the next hearing was XXXX XXXX and was told again that there was n't enough money coming in. my question to the mortgage representative was how much money did i need. i know no one can give me an exact amount but a rough estimate would give me an idea to work toward. so the next hearing was XXXX XXXX and i was told that i still didn ' ; t have enough money coming in and the mortgage rep said that we were done and that he would recommend me being removed from the program. the rep appeared to be in a hurry but the mediator that was there asked for a 60 day extension. the rep agreed o that. so we left and i started working on how to get more money coming in. the rep did send a letter for the 60 day extension. so the case worker and i worked on my new packet. then there was a letter i received about a judgement hearing. i took it to my case worker to take care of. then a week later a received another letter stating i now had a judgement against me from the mortgage company. to find out later was that the 60 day extension was rescinded, but no one was notified. now the mortgage company says they will not review this last packet and they say its because i had too many reviews already. so now the sheriffs sale is set for XXXX XXXX XXXX i want to save my home. i have less than 90 days to do so. please help me or recommend someone who can.
|
| 09/12/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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History : I reside in a property that I bought as a single woman in XXXX. I married in XXXX and added my spouse to the deed in order to benefit from a lower interest rate in a refinance. This individual abandoned the family/property in XXXX. I have been solely responsible for the upkeep of the property. I have painstakingly paid the mortgage myself since XXXX, on time by the end of every Single month. I have received the property in a divorce settlement, even though it was not considered communal property because I owned it before the marriage. The issue at hand is that the individual who abandoned the home is on the mortgage note and I need to remove his name ASAP.
Enclosed in the document sections please find a letter from Rushmore mortgage company indicating that my identity and ownership in the property have been confirmed and they made necessary adjustments to their servicing system to reflect me as a confirmed successor in interest. I have reviewed the new rulings of XX/XX/XXXX. Now that I have been approved as successor, I have presented to Rushmore again in an ongoing request since XX/XX/XXXX, to be substituted as obligor on the mortgage and have a document prepared for the individual on the mortgage to be released from liability.
I have yet to receive an answer. I call into the mortgage company on a regular basis. I have sent in my request over and over, by mail and through fax. The last written request i faxed on XX/XX/XXXX. I have called in since and have been told to wait thirty days for a written response which I never received. When i called today, I was told theres no record of those documents.
From my understanding, there was an also an interpretive ruling ( XXXX XXXX ) issued to clarify where a successor in interest who has previously acquired title to a dwelling agrees to be added as an obligor or substituted for the existing obligor on a consumer credit transaction secured by that dwelling, the creditors written acknowledgment of the successor as obligor is not subject to the bureaus ability to repay rule ( ATR RULE ) 1026. 43, because such a transaction does not constitute an assumption as defined by regulation Z. 1026. 20 ( b ) Unfortunately, every time I contact Rushmore by phone, I received different information or different directions. I have asked to speak to supervisor is on this issue and I have consistently been denied. They sometimes referred to re-financing. I explain to them that I simply want to be substituted as obligor, and I am told by some of their staff that they have never even heard of that! I have also been told that the individual on the mortgage needs to make this request. I explain that as a confirmed successor in interest that I have the right to be treated as borrower and that I will have the individual sign a quick claim deed the same day he signs a release of liability that they provide, with a notary. They have yet to send these documents. I have explained to them that I understand that these rulings are new and maybe unfamiliar to them. However in the interest of Home retention, I am reaching out to you to help clarify this for Rushmore. This is my principal residence with XXXX children! I pay the mortgage every month in a timely manner. I understand my consumer rights according to these rulings and I just try to have faith that someone at Rushmore will be trained in these rulings and help me. Time is of the essence for my family. Please help
|
| 02/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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Starting in XX/XX/XXXX, we have been working with Rushmore Loan Management Services regarding a loan modification for a property located at XXXX XXXX XXXX XXXX, XXXX XXXX. We have never been able to reach our point of contact XXXX XXXX. Every time you call, it's a different person with a different answer, and the letters they send never follow what the person on the phone tells you to do. Since XXXX, we have spoken with XXXX at least XXXX to XXXX times a month to resolve and provide all the requested information. The last letter we received, dated XX/XX/XXXX, was our denial, but it made no sense. They put in a laundry list of things.
Employment History Their letter states that my employment history '' " is not sufficient in length to qualify '' The application asks, are you employed? Title? Are you self-employed but does not ask for work history. As the proprietor of my own business, I have been employed for over XXXX years. Certainly, half a century should prove sufficient a period of employment.
XXXX XXXX The apparent contradictory assertions confounded me with respect to my credit history. There is a suggestion that I have excessive obligations in relation to income, as well as an indication that Rushmore was unable to verify my credit history. Your letter is silent as to how XXXX with an alleged inability to verify one 's credit history could then also cite said credit history as being riddled with excessive obligations in relation to income. Additionally, it is clear that if any decision was based upon an obligation to income ratio that the decision was based upon inaccurate data.
Furthermore, it is unclear how excessive obligations were determined as I carry credit card balances below {$500.00}, have no monthly car note, and am only responsible for minor day-to-day bills ( power, water, phone, food, etc. ).
XXXX XXXX XXXX : On multiple occasions, Rushmore was contacted to arrange to make payments on my mortgage as a showing of good faith that I would be able to make the desired level of payment on a regular basis. Rushmore, unequivocally, denied such an arrangement and in predatory and usurious fashion would apparently only accept a payment that would cover all the fixed payments. It would seem illogical that a person seeking a loan modification would be in a financial position to do so. My good faith efforts were rejected.
Prior Modification History : On multiple occasions, Rushmore was contacted in hopes of reaching a realistic solution. XXXX such solution, XXXX relief, was denied because I was under review for a loan modification. In this instance, it appears that Rushmore was duplicitous when communicating about this matter. The letter indicates that the maximum allowable modifications have been exceeded. If this is true, it is unclear why this was not communicated to me at the very beginning of this process in XXXX of XXXX. Instead, time after time, for months, I was asked to provide additional materials. Such a circumstance reeks of incompetence or outright duplicity, which certainly violates applicable debt collection regulations.
Then the letter has a part for Other : The letter vaguely asserts that XXXX XXXX Mortgage XXXX XXXX does not offer a loan modification on the terms requested but fails to detail what terms would be acceptable. Also, I called XXXX XXXX XXXX on XX/XX/XXXX, and they stated they no longer own the loan that it had been sold to Rushmore.
|
| 02/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
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Currently facing a foreclosure sale date of : XX/XX/XXXX XX/XX/XXXX : Submitted a completed loan modification packet to Rushmore Loan Management Services XX/XX/XXXX : Received response from Rushmore indicating the denial of my modification request, due to the following 3 reasons : 1. Monthly Income amount of {$2000.00} is not sufficient to sustain any payments under any available loan modification program.
( RESPONSE : income NOT correct, should be $ XXXX+, see appeal letter attached ) 2. Excessive obligations found on credit report ( RESPONSE : also incorrect, only obligation is 1st Mortgage and HELOC, no other obligations exist due to previously discharged BK case - period. Rushmore previously advised that credit report would NOT be pulled to determine eligibility for loan mod, and yet, here it is cited as a reason to deny my mod request ) 3. Good Faith Down Payment Amount is not sufficient ( RESPONSE : I was specifically told that this item had no bearing whatsoever on whether the loan mod request would be approved and/or denied. Any yet, here it is cited as a reason for denial. - see appeal letter attached for more detail. ) The letter states I have 30 days to respond with an appeal request. My appeal request was completed and mailed to Rushmore on XX/XX/XXXX and received by Rushmore on XX/XX/XXXX and signed for by : XXXX ( according to XXXX delivery records, see attached ) The appeal letter, which was sent via registered XXXX overnight delivery to Rushmore should immediately invoke an additional 30 day review/appeal period by Rushmore 's underwriting department to reconsider the loan modification. Additionally, any pending sale date should be postponed for a minimum of 30 days ( which is equal to the review/appeal period for underwriting ), to allow such review/consideration to take place. By law, the current foreclosure sale date ( XX/XX/XXXX ) can not proceed and any attempt to do so would violate the Homeowner Bill of Rights, No Dual-Tracking provision which states : " a lender or servicer can not record a Notice of Default or Notice of Sale, or conduct a Trustee 's Sale, while the application or appeal is pending ''.
Additionally, the Single Point of Contact that has been assigned to this account has purposely and repeatedly not returned phone calls and/or messages inquiring about the appeal status of this request. I am confident that this is intentional and done with the intent to extinguish any possibility I might have to save my home and allow Rushmore to move forward with the sale on XX/XX/XXXX, citing a lack of a " completed '' appeal packet as justification, is my guess, even though I've asked my SPOC to return my phone calls, in order to validate receipt of appeal documents and the forwarding to underwriting for reconsideration, I've received no such phone call back. This type of intentional lack of follow-through has been a chronic problem with Rushmore 's SPOC XXXX XXXX. Despite my repeated requests to reassign a new single point of contact, Rushmore has blatantly ignored these requests and when I inquire about them, Rushmore pretends to not know what I am talking about. This further violates the Homeowner Bill of Rights provision which states that a lender/servicer shall provide a single point of contact to communicate/coordinate receipt of all documents associated with available foreclosure prevention alternatives and notify borrower of any missing documents.
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| 09/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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During the period of the COVID-19 pandemic, XXXX XXXX XXXX XXXX, I lost a significant portion of my regular income and was unable to maintain regular mortgage payments to Rushmore Loan Management Services ( RLMS ) the servicer of the mortgage on my home. After the forbearance period expired, I was denied multiple loan modification requests and was notified on XX/XX/XXXX that my account had been referred to XXXX, XXXX XXXX XXXX XXXX for foreclosure proceedings on XX/XX/XXXX. At this junction, I had no other choice but to reach out to family and friends for assistance and I was lucky enough to receive the needed funds.
On XX/XX/XXXX, to prevent foreclosure actions on my home, the full payment of {$25000.00}, the re-instatement amount quoted by Rushmore Loan Management services was paid via wire transaction even though the past due amount was actually {$16000.00} for XXXX missed payments. Once the account had been reinstated back to current, I reached out to XXXX for an explanation of the costs and fees included in the reinstatement quote.
The following items were added to my bill.
Late Charges - {$210.00} Foreclosure Fees & Costs- {$3500.00} Corporate Advances- {$340.00} Escrow Advances- {$4900.00} Miscellaneous Fees- {$30.00} Corporate Advances- {$340.00} I called the XXXX office on XX/XX/XXXX, I emailed them on XX/XX/XXXX and I also mailed a letter via first class mail on XX/XX/XXXX. As of today XX/XX/XXXX, I am yet to receive any correspondence back detailing the itemization of all the charges imposed on my account. I received one letter on XX/XX/XXXX about the corporate advances charges which was very vague and did not specify what was included in the additional and separate Foreclosure Costs that posted on XX/XX/XXXX or the {$90.00} charge that posted on XX/XX/XXXX for appraisal/XXXX which I never authorized.
Foreclosure Fees & Costs- {$3500.00} I have since conducted an investigation of the so called Foreclosure activities charged and have found them to be nonexistent. On XX/XX/XXXX, I called their attorneys office, they were unable to provide any detail of any foreclosure related activity that occurred on my account. I requested an itemized bill be generated to show what/if any work had been done on my file. XXXX and XXXX, employees at XXXX XXXX XXXX XXXX XXXX XXXX were unable to provide any, confirming my suspicions. I also visited the XXXX XXXX courthouse and XXXX County department of Land Records in an attempt to obtain any foreclosure filings against my home but there was and is no record of any foreclosure activity or filings on my property pertaining to this default. I am therefore confused as to why a refund has still not yet been issued for the unsubstantiated amount of {$3500.00} that was charged as foreclosure fees & costs.
Escrow Advances- {$4900.00} I have also asked for an explanation of the {$4900.00} charged to my account as escrow advances. Rushmore loan management services claims this was for tax remittances paid on my behalf in XXXX however per my investigations, XXXX County department of Finance records reports that the total amount of taxes paid in XXXX was {$4200.00}, a variance of {$640.00}.
Miscellaneous Fees- {$30.00}, Late Charges- {$210.00} The miscellaneous fees have no itemization, so I have no idea what was lumped in there and the late charges do not align with the data in the most recent statement of {$140.00}, a variance of {$70.00}.
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| 05/10/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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( this is a follow up to the complaint XXXX. I applied for a loan modification with the lender at their suggestion and they suggested that I look into foreclosure as a solution. After all the wrongdoings from XXXX XXXX, the person who will be most hurt is myself ) I applied for a construction to permanent loan with XXXX XXXX XX/XX/XXXX. With the builders contract, they required me to borrow more money than the original contract to ensure the home 's completion. During the course of construction, the builder stole approximately the same amount of money which was over {$100000.00}, did n't complete the home, but XXXX XXXX closed the loan and made it a home mortgage loan ( not a construction loan ). The home was never completed and the builder sued for {$250000.00}. After two years of trials and arbitration, the builder lost but did not pay the award or legal fees. Home is still not completed.
Before the suit started, I applied for a loan modification and was denied it because I had been paying my mortgage. When I could no longer pay for the legal fees and mortgage, I fell behind with my mortgage payments and was able to get into a loan modification program. It took over 2 years and near the end of the process with XXXX XXXX ( I thought ), I paid over {$10000.00} in fees for the modification and after the last payment the loan was transferred to XXXX and then onto XXXX XXXX. I continued to work with XXXX XXXX on the modification for another year or so. On XXXX XXXX, XXXX they approved the modification, and gave me 4 hours to sign the documentation and return it to them. XXXX. I did not check my email that day ( the notification for the modification was emailed ) because I spent the day in the hospital with my parents. The same day the loan was also sold to XXXX XXXX, effectively cancelling the modification.
After some time, XXXX XXXX accepted the original terms of the loan modification. It is a 40 yr loan with over {$300000.00} ( estimated ) in penalties added to the loan for time I was attempting to modify the loan.
Last year the same loan was transferred to Rushmore with the same conditions, although for many weeks it was unclear where I should send my mortgage payments, and I feared might again fall behind in the payments.
It is just very unfortunate that due to the predatory practices of XXXX, an unscrupulous builder that stole from the construction draws ( mainly from lies and asking me to make payments for materials and to contractors with the promise of repayment from the loan ), XXXX XXXX continuing to issue the draws to the builder, and XXXX unwilling to help keep the loan from going underwater, I am now in a situation where I have a home I can not sell and a loan I will probably not be able to payoff in my lifetime. Added to this burden was the legal fees owed to save the house.
I have included with this explanation, many of the documents used during the trial and arbitration. Note, the builder lost the original lawsuit, the arbitration case, a XXXX lawsuit, and an appeal. To date, he has not paid any part of the judgement.
1 ) lawsuit from builder ( XXXX pp ) 2 ) summary of costs lost during the construction of the home ( XXXX pp, {$70000.00} ) 3 ) summary from home inspection and cost to complete ( XXXX pp, {$120000.00} ) 4 ) summary of out-of-pocket legal fees ( XXXX pp, {$13000.00} ) 5 ) summary of legal fees for attorney ( XXXX pp, {$62000.00} )
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| 11/27/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Settlement process and costs
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Web |
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My complaint is against : ( XXXX ) XXXX whose principal office is located at XXXX, XXXX, XXXX, Minnesota XXXX ; and ( XXXX ) Rushmore Loan Management Services, LLC whose principal office is located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, CA XXXX.
On XX/XX/XXXX, I purchased a a residential home at XXXX XXXX XXXX XXXX, XXXX, Texas ( " Residence '' ) and signed a " Home Equity Adjustable Rate Note '' with XXXX XXXX Mortgage Corporation ( " XXXX XXXX '' ) to fund the sale. XXXX should have placed us in a conventional loan but put us in a home equity loan to illegally get higher fees. Additionally, XXXX refused to provide an accounting after we discovered its fraud. I made several inquiries about the accounting irregularities on this account but never received the full accounting from XXXX, which filed for bankruptcy protection on XX/XX/XXXX.
After filing bankruptcy, XXXX XXXX sold my note to XXXX XXXX, which also failed to provide any accounting whatsoever, and it declared bankruptcy in late XX/XX/XXXX. After XXXX XXXX filed for bankruptcy protection, I received several letters from different lender/servicers claiming to be the successors-in-interest to XXXX XXXX, including XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX Bank XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX, and XXXX XXXX XXXX, XXXX.
At this point, I was unsure which lender was the legal successor-in-interest and demanded that these companies provide me with ( XXXX ) an adequate RESPA accounting ; and ( XXXX ) proof that it was the legal successor-in-interest to the Note. No company provided either the accounting or proof of legal succession, so I had no idea who to pay. When investigating the legal succession, I discovered that my note was run through the MERS transfer transaction system and that my note was illegal assigned between XXXX XXXX and XXXX XXXX.
I filed suit against the alleged legal successor to XXXX XXXX XXXX, XXXX, called " XXXX, not in its individual capacity, but solely as trustee for XXXX XXXX, XXXX XXXX '' ( " XXXX XXXX '' ) and settled this case for {$300000.00} even though it provided no proof that it was the legal successor to XXXX XXXX and/or any of the alleged predecessors in title, nor any accounting.
I attempted to fund the settlement agreement by refinancing the home but discovered banking underwriters would not refinance the note despite my excellent credit, good income, and good equity in the home. The reason the underwriters would not refinance the note was because XXXX originated the note as an illegal home equity loan, rather than a conventional loan. The underwriters explained that since I did not own the home, the home equity loan was illegal and therefore potentially void. As such, a successor home equity loan would also be potentially void as well. Thus, no underwriter would refinance the loan.
Despite not being able to refinance the note, I was able to raise the money in cash and placed the full amount in escrow to fund the settlement. I gave XXXX XXXX proof of funds, but it refused to take my money and instead foreclosed on the property which was worth about {$650000.00} - {$700000.00}. I was forced to move out of my home and now seeking assistance from the CFBP to recover the home.
I am filing this separate complaint against the servicer, Rushmore Loan Management Services, LLC ( and XXXX XXXX ) since they signed and breached the settlement agreement.
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| 11/21/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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A modification package was sent and received to Rushmore Loan Management, and on XX/XX/2015 the package was confirmed as received by Rushmore employees in the bankruptcy department. The file was flagged as bankruptcy at the time of receipt. The file should have begun the review process at that time .While in bankruptcy any sale date proceedings are placed on hold due to the automatic stay. Regardless of the bk dismissal, at the time the documents were received, the file was still flagged as in bankruptcy with no sale date/foreclosure suspended. On XX/XX/2015 employee XXXX XXXX confirmed the modification file was in, and that the sale date was previously XX/XX/2015. He stated that as of now there is no sale date. He stated as of XXXX -17-2015 the file was removed from the bk department. He stated that on XX/XX/2015 the account was documented that the file can not be reviewed as it is less than 37 days before the sale date. It is very apparent that Rushmore is refusing to review the file and making excuses to avoid a proper review. At the time of receipt there was no sale date as it was suspended. Nothing was done in those two days to even try to assist XXXX XXXX XXXX. Employee XXXX XXXX then returned the call to our office and stated that the file IS in review and that the notes were incorrect as in California there is 7 days to review the file as long as all documents are in. The reason for this complaint is that Rushmore Loan Management has only had this file since XXXX 2015, yet have done everything possible to avoid assisting XXXX XXXX. Rushmore refuses to consider the file in a timely manner therefore negating any opportunity for XXXX XXXX XXXX to save his home. holding onto a file knowing the account is in foreclosure only proves that Rushmore is more interesting in foreclosing on homes and fire selling them at auction to make a profit. It appears that Rushmores lack of participation in a meaningful modification review of the file indicates a preference to profit directly from the homeowners hardship. It appears the problems that XXXX XXXX has encountered with this company are due to discrimination based on his race, ethnicity, language, and national origin. There is no tangible reason why Rushmore is refusing to do a proper review of the file. There are negative notes on the account as well as contradicting information. Please pull XXXX calls from XX/XX/2015 if needed. Please also refer to Handbook XXXX Chapter V Protections Against Unnecessary Foreclosure states the following:XXXX Suspension of Referral to Foreclosure-A servicer may not refer any loan to foreclosure or conduct a scheduled foreclosure sale ( except as provided under Section XXXX ) unless and until the servicer has resolved the Escalated Case in accordance with Section XXXX. XXXX Suspension of Scheduled Foreclosure Sale-When a servicer receives an Escalated Case from a Requestor after a foreclosure sale date has been scheduled and the Escalated Case is received no later than midnight of the seventh business day prior to the foreclosure sale date ( Deadline ), the servicer must suspend the sale as necessary to resolve the Escalated Case. Servicers are not required to suspend a foreclosure sale when an Escalated XXXX is received after the Deadline. At this time we are demanding that the next sale date of XX/XX/2015 be postponed as per foreclosing attorney XXXX there is a set sale date.
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| 04/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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In XX/XX/XXXX when Covid hit and California was shut down, my wife and I lost our jobs because Covid shut our industry down. I immediately called our mortgage loan servicer Rushmore Loan Management and applied for deferment/forbearance. We were accepted for a few months of deferment and then forbearance through XX/XX/XXXX. We are very grateful for this assistance. During this time, we had a baby, my wife almost XXXX, she was in the hospital for quite some time and our Industry stayed shut down due to Covid.
In XX/XX/XXXX we applied for a forbearance extension and as of last week ( XXXX ) we were DENIED. I asked if we could appeal the decision and was told NO. We were told very clearly by multiple people at Rushmore that we had ONLY 2 OPTIONS : 1-PAYOFF IN FULL or 2-SELL OUR HOME. I asked very nicely if there were any loan modifications or payment plans we could workout and the answer was always NO.
Furthermore, they mentioned refinancing and we'd be happy to do it but it would be very tough because our earnings are low due to Covid and our industry is still shut down. Also, I told them it will be impossible to refinance if you report us as delinquent. I asked, " What can I do to keep you from reporting us as delinquent? '' and they said only to PAY IN FULL. I offered to add people and cosigners on to the loan and they said NO. I offered to pay the mortgage payments starting now but they said I would still be delinquent unless PAID IN FULL. I offered to work out a payment plan while I try to refinance and they said they would still report me as delinquent unless I PAID IN FULL.
Rushmore told me they will REPORT US AS DELINQUENT IN MAY UNLESS WE PAY IN FULL. I therefore need assistance asap before they do this. I may be able to refinance if I make 3 payments and add a cosigner etc. but I won't be able to refinance if they report us as delinquent.
I feel this is highly unethical as they are basically HOLDING US HOSTAGE for the FULL PAYMENT OF ALL FORBEARANCE. Additionally, throughout the entire forbearance process, both in writing and on the phone, they repeatedly laid out all the options we will have including deferment, forbearance, loan modifications, payment plans etc. and this week just abruptly told us our only option is to SELL YOUR HOME OR PAY IN FULL.
The mortgage servicer RUSHMORE LOAN MANAGEMENT says it can't do anything because this is an investor decision and the investor is XXXX XXXX XXXX XXXX XXXX. Rushmore would not let us contact them and we were told they do not have a customer advocate team.
WE NEED HELP! We want to stay in our home and pay our mortgage. We are willing to get started paying it asap with savings, loans, retirement, etc. We will have jobs once our industry opens up. I don't understand why we can't have a payment plan to catch up or why we can't add the forbearance payments to our loan or why we can't get any assistance or understanding at all. We have lived in our home for over 21 years and have well over 50 % equity but do not want to sell, especially during a pandemic with an infant while my wife is high risk.
We consumers feel unfairly taken hostage. Can you offer some protection or assistance?
Is there anything you can do to protect others who may also abruptly find themselves in this awful situation?
Thanks for any help, assistance or advice, Desperate homeowners and family affected by Covid
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| 03/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Due to real estate market crash in XXXX and unemployment, I worked out a loan modification with XXXX XXXX ( Loan Number ... ... XXXX ), which it took about 4 years because XXXX XXXX Attorneys sold my home twice without authorization and therefore, the sales had to be rescinded. In the meantime, XXXX XXXX could not accept any type of payment and/or negotiate a modification. Because of this, I was forced to file for Chapter XXXX Bankruptcy in XXXX and at about the same time, XXXX XXXX was finally able to put together a modification package that in no way I did agree with because the market value of my home was in the low 100s and XXXX XXXX was asking that I pay Mortgage amount $ XXXX+ {$93000.00} (??? ) = {>= $1,000,000} at a time when they knew it would had been impossible for them to sell my home for that amount, which it was over 3 times the market value. I had no other way to save my home and applying for another mortgage was not an option due to unemployment. Therefore, unless I was willing to be homeless, I had no other alternative but to accept XXXX XXXX modification, which I did in XXXX. According to Modification documents, the interest rate to be applied was contained in Section 3C of the Modification and NO INTEREST would be accrued/added on the {$93000.00} amount that it was deferred although I never agreed in having that amount added to the Principal as it was accrued during the time XXXX XXXX could not accept payments and/or negotiate a modification due to its Attorneys wrong doing. The attorneys should have been liable for that amount. No me. To my surprise, as I was putting together documents to file Income Tax in XXXX, I realized that I was being charged interest in the {$93000.00} Deferred amount since XXXX and continue to be charged ( copy of Statements attached ), which it was confirmed by XXXX XXXX, Executive Resolution Specialist, as per letter dated XX/XX/XXXX attached. To make things worse, I just received Letter signed by XXXX XXXX, XXXX Senior Vice President, stating that my Original Mortgage Note had been sold/transferred to another Server : Rushmore Loan Management Services , LLC. My original loan was not confirmed under Bankruptcy under chapter XXXX that I filed prior to Modification and therefore, I am not liable to pay that amount. Besides, the original note is for amount higher that I did owe at time of Modification, however, I contacted Rushmore Loan Management Services , LLC to request clarification on this and could not get a response.
I feel that XXXX XXXX used the Modification Mechanism to take advantage of People who like myself, did not have any other choice in order to save their homes. If the Modification really demanded interest in the deferred amount, the Modification material was totally deceiving in its content and I feel victimized by XXXX XXXX actions. According to a new policy statement, the Consumer Financial Protection Bureau ( CFPB ) will cite conduct as abusive only when the harm to consumers outweighs the benefit. In this particular case, XXXX XXXX has applied abusive misconduct by manipulating me into accepting a Modification that it is not only deceiving in its terms, but unfair in the way it has oversold the property to me and continues to charge compound interest over the life of the loan. It is easy to conclude then that the harm outweighs the benefit in my particular case.
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| 02/05/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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My current mortgage lender Rushmore Loan Services is trying to auction off my home. The servicing was transferred from XXXX to their company and I tried to engage with them to discuss various homeowner assistance programs. I could not get anyone to speak with me, I could not get a returned call, I could not get any information. There was no assigned account manager and there was no review of my current financial information conducted. Instead, we received a letter in XX/XX/XXXX stating that Rushmore would offer us a modification, but we needed to make a down payment of $ XXXX towards the arrearages. I was shocked at the amount, but at least we saw that Rushmore seemed to be willing to try and work this out. I immediately began calling them to see if they would consider a more manageable amount or actually conduct a review of our financial information. However, we once again were frozen outabsolutely no contact, no information, no returned calls, then we came home to see a foreclosure sale sign on the door. I believe that Rushmore is not following the rules or guidelines for homeowner assistance programs and is denying us access to any option for fixing this problem.
I have worked in restaurant management for 35 years and am currently an XXXX XXXX managing a group of restaurants and also responsible for developing new concepts. When the recession hit in XX/XX/XXXX/XX/XX/XXXX, the restaurant industry was one of the first victims, as fewer people would dine out. I soon found myself out of work for the first time in my life, and it would take me two years to find a job. My wife was able to find work, but she was underemployed and not making muchwe literally just had enough for food and utilities for over a year. Once I regained employment and was able to earn a good living again I began trying to contact my lender at the time XXXX, to discuss homeowner assistance programs. However, XXXX wanted nothing to do methey would not return calls, they would not assign a point of contact, they would not conduct a review. Our finances continued to improve as my wife found work as a para-professional.
We continued to try and resolve this matter and prevent our home from being auctioned. The loan was transferred to Rushmore and as explained we tried but could not make any headway. We then received a letter in XX/XX/XXXX telling us that we would be modified with a monthly payment of {$2600.00} but we needed to make a $ XXXX down payment. We could not afford the down payment but wanted to at least start a conversation or negotiation, but again when we called Rushmore no one picked up, no returned phone calls, no assigned account manager. Instead of actually working with a homeowner Rushmore set a foreclosure sale date.
We have the necessary income to afford a fair and reasonable payment. We want to do whatever we can to make this right, but getting a last minute letter with a demand for $ XXXX in order to receive a modification is not something we can afford at this time. We want Rushmore to review our current and correct financial information and come up with a plan that makes sense for both sides. I realize the delinquent amount, but there are various ways the loan could be restructured or modified so that this could work. I am making a nice living as an Area Director as well as my wifes employment -- -we can make a mortgage payment.
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| 02/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We decided to prepay our XX/XX/XXXX county property taxes in XX/XX/XXXX, in anticipation of the changing tax laws for XX/XX/XXXX. We called Rushmore to confirm, and following their instructions, submitted receipts for the prepaid taxes shortly thereafter through their online messaging system. We were advised that once Rushmore 's tax department researched and confirmed the proper payment of property taxes, they would then issue a reimbursement check directly to us for the overage from our escrow account that resulted from Rushmore no longer needing to pay the county on our behalf. After not hearing back for several weeks, I called to confirm that the research had been completed and reimbursement check would be en route. I was informed that the research had been completed, and that our prepayment was verified. It was also confirmed then and on numerous occasions since then, that Rushmore 's scheduled disbursement to the county for our XX/XX/XXXX property taxes had been canceled, as the prepayment had been ( correctly ) confirmed by their tax department. However, no reimbursement check would be issued to us, as the borrower, until there was a " reanalysis '' of our escrow account. Clearly this made no sense, since the research had already been done and Rushmore 's previously scheduled disbursement to our county had accordingly been canceled as a result of that research. However, after talking to several more representatives over the next several weeks in repeatedly unsuccessful attempts to get it resolved, I eventually sent a secure message to Rushmore 's Department of Consumer Affairs ( per the telephone representatives ' instructions ) requesting in writing, as they required, that a new escrow account " analysis '' be completed. Last week, I received a letter in the mail in response to my message ( again several weeks later ), saying that my request had been denied and that our escrow account would not be re-analyzed until its regularly scheduled review date in XX/XX/XXXX of each year. So Rushmore has unilaterally determined that it would like to hold on to {$2800.00} of our money, that we paid in XX/XX/XXXX, until approximately XX/XX/XXXX ( following the scheduled re-analysis ). This is almost a full year, and of course comes without any intention of paying interest on their unlawful withholding of our money for that period. They continue to hold this position ( per their " policy '' and their " processes '' ) even though they very well know that the money does not belong to them, as evidenced by their agreement over multiple phone conversations that the money had been prepaid, they had seen appropriate evidence of such payment, and accordingly canceled their own scheduled disbursement to the county that Rushmore would have otherwise paid on our behalf in XX/XX/XXXX, BUT FOR the fact that they knew we had already paid it, as researched and confirmed by their tax department back in XX/XX/XXXX. They are knowingly and intentionally holding on to almost {$3000.00} of money that does not belong to them, for a period of almost a full year, and even though they acknowledge and do not dispute this fact, they have continuously refused ( over the past 2+ months of unsuccessful phone calls and secure messages through their website ) to rightfully reimburse me. I am hoping the CFPB can help get this resolved. Thank you.
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| 08/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
( XXXX ) XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX Subject : Complaint - Rushmore Mortgage Services, LLC Dear Madam/Sir ; I was directed to your office by the Delaware Department of Justice for XXXX County where I live and work. I am a United States Citizen. I contacted them seeking assistance with deling with a Mortgage Service Company by the name of Rushmore Mortgage Service Company, LLC.
The object/purpose of the complaint is to COMPELL RUSHMORE TO REVERSE COURSE, in blocking me from making the normal and regular Mortgage payment requesting the adjusted amount, reached by a Escrow Analysis, which I contest. I have been, bouncing back and forth, from one department to another.
The only pseudo-real explanation I received was initially by a customer service gentlman, who no longer answers my calls, as accounts are identified and routed by the number of incoming call. The explanation was : You insurance went up!
When reaching their ( Rushmore ) insurance department, the person asserted to have received a new bill from the insurance, which led me to contact my insurance agent. The Insurance Agent denied such assertion categorically, further explaining that the premium was paid in full till XX/XX/XXXX, back in XX/XX/XXXX at settlement.
It would have taken considerable insistence to finally get, in late XX/XX/XXXX, a letter back dated to XX/XX/XXXX, with a document titled Escrow Analysis. Going through the Settlement Disclosures, I located the clause relative to the escrow account. ( attached file :
XXXX ) The clause reads : In the future, your property costs may change and, as a result, your escrow payment may change. .
As it is clearly indicated, the change in payment can be caused by change in costs, which costs include only HOAs, Taxes and Insurance None of which has changed and certainly not the already fully paid insurance premium.
Confronted with this evidence, the person in charge of insurance part of the escrow, provides a bogus argument that her department is not the one generating the Mortgage Statement, and has no explanation to the change. Meanwhile, my mortgage is defaulting for 2nd month, unable to make payment, and a late fee charge was added to the bill.
Because of their stuberness I can conclude that this is not an error but a crafted default, likely to be reported to credit agencies, which can be then used as a ground for factually causing an insurnce premium increase. This is destabilizing to me and causing me a great deal of undue stress.
In view of this, I am asking you to use the authority vested in you/office, to intervene and compel Rushmore to retract the increase in my mortgage, and not report any default, and perhaps pursue the matter as a fraud, as it is normal to suspect that the same illegitimate process is used on millions of Americans.
Please feel free to contact me at XXXX XXXX XXXX XXXX XXXX XXXX or via email at XXXX.
Thank you for your assistance.
XXXX XXXX XXXX Attachments - PDF Files : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 01/04/2021 |
Yes |
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- Trouble during payment process
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Web |
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XXXX insurance Claim # XXXX Rushmore Loan Management Services LLC - Loan # XXXX Phone # XXXX On XX/XX/XXXX I suffered a damage to my roof. I called my insurance company to report the damage and the came over to get an estimate for the repairs. The insurance company sent a check of {$980.00} ( With mortgage company as additional insured named on the check. The estimate for repairs was over {$6000.00}. This was due to the fact that I had unknowingly been slapped with a higher deductible.
As the usual practice, I called my mortgage company for directions on how to proceed with the check. I was told that due to the small amount, I should just sent the check in for them to endorse and send it to me. I sent the check to them. After over 3 months, i called them inquiring about the check and they told me that they had sent it back to me for endorsement. Ultimately the check got lost somewhere during the back and forth and was never received.
I personally paid for the XX/XX/XXXXto prevent water from coming into the home and that cost me {$1900.00}. I couldnt find anymore money to fix the roof at that time. In XXXX of XXXX, I pulled my own permit from the city and I informed the mortgage company that a family member was going to assist repair the roof because I couldnt afford any of the contractors.
The job was completed and I sent all paperwork and receipts to the insurance company.
The insurance company came to do their inspections and approved all payments due They sent me 3 checks {$980.00} - roof ( original check that went missing through mortgage company {$1900.00} -XX/XX/XXXX {$2500.00} -XX/XX/XXXX + depreciation Since they still had Mortgage company name on the check, I signed mailed all 3 checks to Mortgage company. Prior to mailing, I called again for specific instructions and address. I explained to the loss draft representative that, I could not afford a contractor so a family member did the job and I had a paid receipt and roof inspected by insurance company. He told me all I needed to send them were 1. the check ( endorsed ) 2. Paid receipt 3. Insurance estimate I did exactly that. After 3 weeks and not hearing anything, I called the mortgage company to inquire about the checks. they told me they had to inspect the property before payment.
Someone called to schedule the inspection and that was also completed After about 10 days I called again and I was told they had not received the inspection. I insisted speaking to a supervisor, the Rep put me on a long hold and then finally came to tell me that they had found the inspection report So I asked when I get my checks. Then she started giving me excuses. I was getting very frustrated because this is exactly what they did the first time and then lost the check.
The lady told me they needed to verify from the person who did the job that its paid in full before they release the check.
She took the phone number from me and called. she came back to tell me the number was disconnected. That was not true so I insisted I did a 3 way call. I did that and she verified there was nothing else owed.
Then she said yet still they will not send the check until I go through the packet and guidelines This mortgage company wants to take the money I need your assistance to collect this money. Money that I have paid to fix the roof and money the insurance has fully paid
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| 12/07/2022 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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My husband is a Veteran and we entered a XXXX related forbearance program with our mortgage company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX we began the loan modification process with XXXX XXXX. Many delays were experienced with the company given excuse being that they were very backlogged. In XX/XX/XXXX an offer was presented and accepted for a VA XXXX XXXX. On XX/XX/XXXX my husband and I signed all the loan modification documents with the notary provided by XXXX XXXX XXXX XXXX documented receiving the documents the next day. The loan modification started XX/XX/XXXX with the new APR and payment amount. Because the account had not been updated via the online portal, I had to call by telephone to pay the mortgage payment. I called XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to make my payment. I inquired each phone call when the account would be updated so that I would not need to call. The same excuse " backlogged '' was given. In XXXX a letter was sent informing the mortgage had been sold to Rushmore Loan Services, and payments after XX/XX/XXXX should be made to them. The letter stated all current loan terms will transfer. We began receiving letters of serious delinquency and that we must contact them to address the past due balance. I contacted XXXX XXXX and Rushmore on XX/XX/XXXX and asked why I was receiving these letters. XXXX provided my signed loan modification documents to send to Rushmore, claiming there is no reason they should be showing out of date information. I immediately sent those documents to Rushmore. Subsequently I mailed my XX/XX/XXXX payment to RushmorXXXX with the documents explaining why I was paying a different amount. Rushmore cashed the check with no issue. I did the same for XX/XX/XXXX and the check was returned because they were unable to accept payments on the account. Between XXXX and through today the actions being taken by Rushmore to remedy this situation have been : XXXX ) They attempted to do another VA XXXX XXXX that was denied because it has now been too long and the amount past due shows to high. XXXX ) They have attempted to get original documents from XXXX XXXX and understand why this is not complete. The information collected by them has been that XXXX XXXX did not have the documents notarized and turned into the State/County (? ) within the 60 day time period required. The documents were received XX/XX/XXXX and XXXX sold the account XX/XX/XXXX. XXXX ) Rushmore is again trying a new loan modification to try and resolve the issue, but I have received no update in regards to that. Additionally unless it is the same APR and payment, I do not understand why we would accept that. Our forbearance officially ended XX/XX/XXXX which means that Rushmore Loan Services is now reporting to the credit bureaus as if we are past due on payments. Additionally, Rushmore will not accept any regular mortgage payments on our account, only payments to the past due balance. As of XX/XX/XXXX there has been absolutely no resolve to this issue. There is no reason our mortgage loan or credit reporting should be suffering as a result of Freedom Mortgage 's negligence. I feel very helpless between these XXXX companies, neither wanting to take the responsibility to correct the problem and we are left with our credit deteriorating as a result. We welcome and appreciate any help we can receive.
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| 10/05/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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The reason I am filing this complaint is due to a number of factors. First and foremost, my loan was originally with XXXX Mortgage. When my loan was XXXX, I submitted a complete XXXX XXXX XXXX for consideration of a workout option due to a hardship I encountered. There was a reduction of income and was placed on XXXX for a period of time. All information was submitted to chase and acknowledged as a complete file. On XX/XX/XXXX I was notified that my request for workout was denied due to inability to verify income received although proof of income, bank statements, and tax returns were provided. It also stated within the attached denial letter, that I had a right to appeal the denial and had until XXXX to submit the appeal. I submitted the appeal to XXXX on XX/XX/XXXX. Shortly thereafter, I was notified that my loan transferred to Rushmore Loan Management Services on XXXX. Rushmore Loan Management Services took over XXXX days to fully board my loan to there system and advised that they would receive all information from the prior servicer within a XXXX days. I called Rushmore back on XXXX to only be told that they have not received any documentation from Rushmore concerning a modification review or appeal documents from XXXX. OnXX/XX/XXXX, I submitted all information to Rushmore including but not limited to ; XXXX. XXXX XXXX XXXX. XXXX XXXX from XXXX along with XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Bank XXXX XXXX. XXXX XXXX XXXX. Proof of XXXX XXXX Bills XXXX. XXXX XXXX XXXX. Rushmore Modification Application via fax to XXXX. I called Rushmore back on XX/XX/XXXX and was advised by XXXX that they did receive our fax and was currently being processed and to call back in few days. On XX/XX/XXXX, I received XXXX modification packages from Rushmore requesting to complete for all XXXX XXXX XXXX. I called Rushmore back and spoke with XXXX. She advised me that those package was system generated and to disregard as they have received the modification package and appeal however to call back because the file was in process of being assigned. I called Rushmore back onXX/XX/XXXX and spoke with XXXX again which advised that the file was assigned to a XXXX XXXX. She attempted to transfer me to him however ; was only able to get his voice-mail.I also retrieved his e-mail and e-mailed him all documents to be sure there were no issues. XXXX responds stating that they did not receive the package within XXXX days of foreclosure sale and that they would not consider. I advised him that I have a right to appeal as stated in the appeal letter but he said that is not true. He also stated he did not receive the fax until XXXX however that was their " XXXX XXXX '' and not receive date. He stated my file never went to underwriting with previous servicer which is not true due to the fact that a XXXX XXXX was attached to the denial letter. I am requesting for my appeal to be considered along with proof of documentation that was required for additional consideration of the appeal and right to keep my home. I am requesting that my rights to XXXX is acknowledged and given proper consideration to keep my home.
Attached, please find all documentation that has been provided to Rushmore Loan Management Services including all correspondences from XXXX concerning the acknowledgement of a modification review, denial, and right to appeal.
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| 11/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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This is a fairly long story but please bear with me. Our mortgage was sold probably 6 times in the last 10 years. XXXX we were with XXXX XXXX XXXX ( XXXX ) we entered into mediation early XXXX. One week after our mediation agreement with XXXX, our loan was sold to Rushmore Loan Mgmt. Wow, that's not shady. Prior to the mediation the property had a home inspection. I can provide all documents needed later. The first letter we received from Rushmore was not a Welcome to our company it was a you're in default and packets of applications for assistance. They wouldn't talk to us when we called because it was " newly sold to them and we have to wait for an acct number, '' or something like that. About 2 weeks later we received another delinquent notice. XXXX finally got someone to talk to her at Rushmore and they told her to call XXXX. SIGH! XXXX called XXXX to find out why Rushmore didn't have the information about loan mediation agreement and was told " we have nothing to do with it, we don't own your loan anymore. Call Rushmore. '' SIGH!
XXXX called Rushmore again and was told they see the paperwork. We are struggling financially but we have lived in this house since XXXX. Raised 2 boys and some pets and a loving caring community. We ended up entering a " trial '' modification agreement, advised by a Rushmore customer service agent, with payments due in XXXX, XXXX and XXXX and then in XXXX our loan will be modified permanently and our credit record cleaned up from all of this. We are finally at our complaint.
Rushmore Loan Mgmt has sent us 2 letters now stating they sent someone out to inspect the property have deemed the house vacant. I want to laugh it's just so stupid. I can provide pics of my house and tell me what you think makes it look vacant. Rushmore contacted my homeowners company, XXXX XXXX, who then contacted me about insurance for my vacant property. Today we received a letter from the county asking for vacancy fees. I sent XXXX XXXX pics of the house after talking to the rep and telling him THIS HOUSE IS NOT VACANT and has NEVER BEEN VACANT! Not only are there decorations WE HAVE A DOG! The dog would have barked if someone came to our house. Does it need a little power washing? Yes but so do all of the houses in this area, we are all under a bunch of huge trees. Half the neighborhood needs their front steps repaired! Big deal! We haven't decided what we want to do with them, either patch or build a porch. Then we lost our jobs and the recession hit and we couldn't afford anything! Just 2 middle aged adults busting our XXXX trying to make ends meet, just to be railroaded by this practice of selling loans over and over again. Today, we received a letter from the county asking to pay a vacant property fee. What the XXXX is going on?! This is our home, stop harassing us. We are doing the best we can and this house looks fine! It's landscaped and has parkland behind it. This has been such a nightmare not only emotionally but mentally and physically. Just brutal. We know this scam is going to be, come XXXX when it's time to modify the loan permanently, " oh, we aren't going to modify it because your steps have wholes in it. Someone needs to help with this. Rushmore is telling everyone our house is vacant and again IT'S NOT AND NEVER HAS BEEN.
XXXX and XXXX XXXX
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| 04/05/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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I am the owner in due course of the referenced property. There is an issue with my Mortgage Insurance or aka the default insurance, my property had Mortgage insurance coverage, ( please see attached proof of mortgage insurance ) and as a direct result of the deed of trust agreement this is my FORECLOSURE PROTECTION POLICY. I now invoke my rights, and I am demanding, that XXXX XXXX XXXX XXXX provides me with evidence, that they fulfilled their obligation to file a claim with reference to my FORECLOSURE PROTECTION POLICY aka, Mortgage Insurance, and that it was denied. It is my understanding that the mortgage insurance was required of me, as a way to protect the lender in case of any default. The Lenders Mortgage Insurance ( LMI ) or Mortgage Guaranty Insurance, also known as Private mortgage insurance ( PMI ) in the US, protects against lender or investor loss by reason of borrower default ( credit failure ) accompanied by insufficient recoverable value in the property securing the insured loan. Lender can not cash in by endorsing my note ( see attached endorsement ), foreclose, file a claim for the insurance benefits, get a write off, and sell the fake debtThis is Fraud, after fraud, after fraud, after fraud!!!
XXXX XXXX XXXX XXXX is well known for fraudulent actions. United States v. XXXX XXXX ( Please see attached page from XXXX XXXX page XXXX. ) Which refers to mortgage insurance misconduct.
7 C.F.R. 1901.503 & 508 the SINGLE-FAMILY HOUSING HOME LOAN GUARANTEE PROGRAM. My home is part of the Federally Regulated Program! My FHA XXXX XXXX. ( Note that the Loan already has a security Guarantee by Government backing CODE 18 US SUBSECTION 8 - JUNE 25, 1948 JUDICIARY ACT CH.645,62 STAT. 685- '' IT WILL REPRESENT A MORTGAGE IN ALL HOME, AND OTHER PROPERTY OF ALL PEOPLE OF THE NATION '' by endorsement " PAID TO THE ORDER OF THE UNITED STATES OF AMERICA WITHOUT RECOURSE '' ). Please see attached HUD. MY NOTE WAS ENDORSED BY XXXX PLEASE SEE ATTACHED PROOF. AS PROOF THAT LENDER GOT PAID. I did have the knowledge then, that I was the creator and endorser of the note but fraud has no statute of limitation.
The alleged DEBT was transferred to Rushmore Loan Management Services, a debt collector without standing. There was no debt for them to acquired. My mortgage was covered by mortgage insurance. This debt collector has defamed me, caused me cruel mental anguished, by publicly announcing the sale of my property. ( see attached ). Debt Collector Rushmore has engaged in a pattern of unfair and deceptive practices. I have sent a QWR to debt collector Rushmore asking for Validation of Debt dated XX/XX/XXXX which the alleged new owner has not fulfilled. I believed with the FOIA or QWR we can find out for these debt collectors who alleged to be the new lender have standing to foreclose.
My property was protected by mortgage insurance, government backing, and by endorsement.
Which governmental agencies is going to be able to stop this fraud, after fraud, after fraud on Home owners!
I am requesting your intervention with a conscientious investigation on this matter. It can not be possible that all this fraud goes on right under the supervision of all these prestigious governmental agencies ; Which were created to protect the consumer!
Cordially, XXXX XXXX XXXX
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| 05/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I submitted a complaint to the CFPB regarding my loan with Rushmore Loan Management Services. Rushmore replied with a packet of documents, and when I reviewed these documents I saw that the dates on the first page detailing my loan payment status for each month, the dates were incorrect. However all the dates did verify that I was never delinquent, and they asked in their packet of documents for verification of where I received the information that said I was ever reported delinquent by them. I called Rushmore, and the representative on the phone stated they would correct those documents immediately, and walked me through how to submit screenshots of my XXXX credit report showing the delinquent report from Rushmore. He apologized that I had been through so much stress trying to get them to correct this for several months, all while my credit plummeted even further each month. I submitted the proof of my XXXX credit report, and still I have not been able to receive any update from Rushmore. I called again a few days ago, and the representative on the phone seemed confused and kept putting me on hold while they tried to confer with someone in the background about my case. Then after too many times of putting me on hold, the connection was lost and Rushmore didnt bother calling me back even though it was their own error. I have contacted my senators office who has sent a letter to Rushmore requesting an investigation into this credit reporting error and that they correct the mistake with the 3 major credit reporting bureaus. Please please please ask them to correct the packet I was provided, so that it reflects the correct dates. Then ask them to contact the 3 major credit reporting bureaus to let them know I was never delinquent. I was always in good standing or in COVID related forebearance. Its really wrong that even after the CFPB report, countless phone calls by me, submissions on their own website, and their own customer service representatives being able to see that I was never delinquent, Rushmore still refuses to correct this mistake. Probably because this would mean admitting fault on their part for the damage its done to my credit in the months since. But I dont care about blame, I just want them to fix the mistake so that I can move on with my life and my credit can go back to normal. I live on my own, and I am only XXXX, I dont deserve any of this. If they do not correct the mistake with the credit bureaus, I wont ever be able to get a credit card, get a car, or pass a background check for any government work. I have worked in XXXX XXXX for the past 4 or 5 years, first with XXXX and now in the private sector. My current job with XXXX XXXX needed me to get a credit card for expenses while traveling that they would then reimburse once a month. Ive had to use a debit card and most of my savings trying to stay afloat until my credit report can be repaired. Please please please speak to Rushmore and ask them to finally fix my case and report to the 3 major credit bureaus that I was never delinquent on my loan. I never would have accepted the COVID related forbearance if I thought it would result in this delinquency reporting and damage to my credit score. Its been months of me trying to resolve this on my own with Rushmore, so far to no avail.
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| 06/16/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : RUSHMORE LOAN MGMT SERVI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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| 02/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XXXX XXXX XXXX, XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Cell : XXXX XXXX XX/XX/XXXX Rushmore Loan Management Services Department of Consumer Affairs XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX : SECOND WRITTEN REQUEST Pursuant to CFPB Mortgage Loan Servicing Rules To Whom It May Concern : My name is XXXX XXXX, and I live at XXXX XXXX XXXX, XXXX XXXX XXXX, New York XXXX. I currently reside in this single-family home and intend to stay here. My Loan # is XXXX.
In XX/XX/XXXX, my loan was transferred from XXXX XXXX XXXX XXXX to Rushmore Loan Management Services. I made my XX/XX/XXXX and XX/XX/XXXX payments of {$2600.00} to Rushmore Loan Management Services. On XX/XX/XXXX, I received my Annual Escrow Account Disclosure Agreement and Change of Payment Notice. It stated that my monthly mortgage payment was going to increase by {$570.00} per month as of XX/XX/XXXX because of Rushmores Escrow cushion policy, which is egregiously excessive. On XX/XX/XXXX, I spoke with the customer representative XXXX about the increase in my mortgage payment. His Employee # was XXXX. I am requesting that my loan payment be reduced as it relates to my escrow analysis to remove the cushion. Please note that this increase is excessive. My property taxes have only increased by {$120.00} per month for the XXXX Property Tax Year as a Town of XXXX resident.
Since XXXX XXXX transferred my loan, Rushmore is increasing by {$570.00} per month which is excessive!!! And especially with COVID-19 it is unreasonable to have such a substantial cushion. On XX/XX/XXXX, I received a response to my request that effective XX/XX/XXXX, my payment would be {$2800.00}.
Now as of XX/XX/XXXX, our new monthly payment amount is {$3100.00} which is the same issue again! On XX/XX/XXXX, I spoke with the customer representative XXXX about the increase in my mortgage payment. His Employee # is XXXX. I would like the escrow shortage similarly spread over 60 months and the escrow cushion removed.
In addition, my principal payments are not being calculated and/or applied correctly. I would like that reviewed, as well and a copy of the modification documents from XXXX XXXX from XX/XX/XXXX. I believe that we have been making timely substantial payments, but still owe over $ XXXX.
I am submitting this as a WRITTEN REQUEST because of the COVID-19 quarantine. Also, note that I am a NY homeowner and I will submit another complaint regarding Rushmore Loan Services regarding your servicing practices. Once my loan was transferred from XXXX XXXX to Rushmore Loan Management Services I have been inconvenienced regarding payment options ( i.e., bi-weekly automatic payments to align with my bi-weekly payroll ) as, well as this excessive increase. I would further note that I am currently unemployed, yet still making my monthly mortgage payments. I am also going to file this complaint with New York State Attorney General XXXX XXXX, the Consumer Finance Protection Bureau and the NYS Department of Financial Services.
Please respond at your earliest convenience. I can be reached by phone at XXXX or by email at XXXX.
Sincerely, XXXX XXXX XXXX, XXXX.
XXXX XXXX cc : Consumer Finance Protection Bureau New York State Department of Financial Services Honorable New York State Attorney General XXXX XXXX
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| 11/27/2018 |
Yes |
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- Trouble during payment process
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Web |
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I have been going back and forth for since the middle of XXXX with my past lender and my new lender. Rushmore Loan Management Loan services was my past lender and they transferred my Loan to XXXX XXXX. I made a big mistake. XXXX was supposed to take over my loan on XX/XX/XXXX. I did not receive anything right away from them. No notification from their end on where my new payments were going to go and whom to make them out to or my new loan #. As a result, I started to get a little nervous because I did not want my XXXX payment to be late ( I did not know that I would have 60-days as a result of my loan being transferred to get my payment in ). As a result, I do what I normally do. I send in a partial payment in early and another partial payment before the 15-day grace period ends. So, I sent Rushmore Loan Management Services {$420.00} on XX/XX/2018. I knew that Rushmore is responsible to transfer all payments over to the new lender, so I knew at least {$420.00} would be sent to XXXX from Rushmore Loan Management and when I heard from XXXX I would send the rest to them. Well, I waited and I did not receive a notice from XXXX. I got nervous again, so I sent another payment to my old lender to cover my XXXX 's payment. I did that through my online bill payment. My bank took the money out of my account on XX/XX/XXXX and paid it on the XXXX. I have proof of payment. In any case, I knew that any money sent to Rushmore that had to with my mortgage payment would have to be transferred to XXXX. Eventually, I got notice from XXXX that they would be taking care of my loan. Not thinking anything of it, since my mortgage payment that I sent to Rushmore should be sent to XXXX as a result of the transfer. However, this was not the case. I started getting phone calls from XXXX stating that they had not received all of my mortgage payment for XXXX and that I still owe them {$1300.00}. I called them and explained that I paid {$420.00} on the XXXX to Rushmore Loan Servicing and that I paid another {$1400.00} to Rushmore Loan Servicing on XX/XX/XXXX due to not having any contact with XXXX about the loan transfer. They said they never received that payment with the transfer. They have the {$420.00} from XXXX, XXXX in a suspense account. Low and behold I then call Rushmore Loan Management Servicing to find out what's going on. Customer service has been atrocious from both sites. Today, XX/XX/2018, I had the pleasure of speaking with XXXX, ID # XXXX, from Rushmore Loan Services. She was rude and condescending on the phone. She tried to talk down to me after I told her I have been going through this situation for over a month now. When asked to talk to a supervisor, she said that the supervisors weren't at work yet.
Too make a long story short. Its going into XXXX and Neither institution seems to know where the portion of my loan payment has gone for the Month of XXXX. My bank said it went out and it was cashed. Rushmore accepted the money because it was never returned to my account. Rushmore is telling me that is not the case. I am sending a fax over today with the proof of payment from my bank. XXXX tells me I have until the XXXX to get my loan payment for XXXX or negative effects will occur. I am frustrated with both institutions. I filed a complaint already
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| 01/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Instead of processing the borrower 's Short Sale Application in " Good Faith '' Rushmore Loan Management, LLC failed to conduct a full and complete Short Sale review as evidenced by XXXX XXXX failure to obtain a Fair Market Value of the home to complete this process. XXXX also failed to send notice of its purported determination in writing.
Further, XXXX only vaguely verbally denied the short sale with no denial letter in writing on XX/XX/XXXX. Yet XXXX also claimed it was actually denied on XX/XX/XXXX even thought 3 account representative 's Representatives at XXXX confirmed everything was complete and the Short Sale review was presumed in review 3 times on or after XX/XX/XXXX.
XXXX XXXX XXXX department is not sure why the Short Sale was denied. XXXX was willing to read the very short purported denial letter over the phone which is essentially " declined ' being stated. The purported denial letter should have clearly stated the reasons why this file was declined for a short sale review. For example, XXXX is required to disclose the actual reason ( s ) was denied, so if it was because the application was submitted 32 days before the foreclosure sale, and the investor required 37 days or more to process the short sale, then XXXX should have clearly been stated on the letter.
Again, XXXX representative thought it was in review until XX/XX/XXXX whereby XXXX then claims it was actually denied on XX/XX/XXXX and XXXX representatives do not know why it was purportedly denied and XXXX also failed to send it in writing promptly after it was purportedly denied.
Borrower believes that XXXX is either willingly or through neglect needlessly steering the borrower towards a foreclosure sale - frustrating the borrower who is trying to avoid a foreclosure sale on his credit report via Short Sale contract to purchase.
XXXX " steers '' distressed homeowners facing a foreclosure sale by failing to employ adequate personnel who process the short sale and then quietly fail to return the borrower 's calls or emails about the Short Sale Process by the name " Single Point of Contact '' ( XXXX ). The borrower is lead to believe everything is in good standing because there are no updates to contradict, account reps are XXXX state they think it is being reviewed, can see all the documents with no further documents being requested, etc..
These XXXX who are assigned to the file, do not respond to the borrower 's inquiries and also fail at internally notating XXXX 's file with the actual status of the Short Sale application so that other loss mitigation personnel within XXXX can not assist the borrower.
Then when it is closer to the sale, XXXX provides the borrower with a verbal denial that contradicts what XXXX has been saying the last month before a foreclosure sale, with little time to spare before the sale date actually occurs.
This results the property being driven towards a foreclosure sale instead of completing the Short Sale Review in " Good Faith ''.
Please see attached Notice of Error letter that was submitted to XXXX today with the loan 's number, property address and exact names of XXXX personnel. The attached Notice of Error provides the dates dates and details of the phone calls and emails made to XXXX to no avail.
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| 09/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with fraud alerts or security freezes
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Web |
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XXXX XXXX has assisted with the facilitation of over XXXX of loans to a fraudster that used my property, my information, my data and my valuations to incur identity theft, without my knowledge.
I have called XXXX XXXX and they have obstructed justice by arguing with me, by challenging on my claims and placing me on hold to disconnect my call.
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have all entitled fraud scheme loans out on my property to the excess of XXXX due to breach of security, breaches of authority and are violating the rights of victims.
The XXXX XXXX and XXXX have hired third parties and attorneys to pursue, harass and intimidate victims of verified breach, identity theft and financial crimes plus " collect '', " foreclose '', " seize '' homes that were used in the fraud schemes, against the rights of victims as of today 's date.
Attorneys motion to dismiss the claims of identity theft victims of XXXXXXXX XXXX and this is violation and contempt of orders filed for injunctions and the protections of victims of XXXX XXXX as of XX/XX/2022.
XXXX XXXX Florida denies that the XXXX XXXX XXXX XXXX orders the enforcement and this is racketeering and obstructions of the justices set aside for victims of verified fictitious loans that I reported for years from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
The order states no collections from any parties can be validated and that victims are to be protected.
XXXX XXXX XXXX XXXX OF XXXX XXXX WITH ATTORNEYS XXXX AND XXXX HAVE OBSTRUCTED THE ORDER OF INJUNCTIONS PROTECTING VICTIMS OF FRAUD AND IDENTITY THEFT XXXX XXXX XXXX XXXX FLORIDA AND RUSHMORE COLLECTIONS CONTINUE TO BE IN CONTEMPT OF THIS ORDER AND HAVE FILED MOTIONS TO TAKE MY PROPERTY THAT WAS USED IN DEED TITLE IDENTITY THEFT.
Customer services representative in the fraud departments will not issue any reference number and are not empathetic, while telling you that the XXXX XXXX can not assist with any support, protection, restitution or any known compliance with filed orders XX/XX/2022.
The entire court systems in XXXX XXXX has maliciously foreclosed on homes under fraudulent circumstances and we have property fraud issues with our public officials that side with corporations and not the victims of fraudulent banks.
XXXX Florida judges encourage victims to be represented by attorneys so that the attorneys can stipulate agreements that obstruct justice and this is financial fraud racketeering, per violations and contempt of VICTIMS RIGHTS plus the courts refuse to forward victims pleadings to the state attorneys offices for criminal review.
XXXX XXXX Today, the Consumer Financial Protection Bureau ( CFPB ) took action against XXXXXXXX XXXX for illegally accessing its customers credit reports and opening checking and savings accounts, credit cards, and lines of credit without customers permission. XXXXXXXX XXXX pressured and incentivized its employees to sell multiple products and services to its customers, including imposing sales goals as part of their employees job requirements. In response, XXXXXXXX XXXX employees unlawfully accessed customers credit reports and sensitive personal data to apply for and open unauthorized accounts. XXXX XXXX must make harmed customers whole and pay a {$37.00} XXXX penalty.
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| 07/05/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My mortgage was transferred last XXXX to a new Rushmore Loan company. I can't call them a management service because they're inept in both areas and appear to have no idea what they're doing, other than trying to get me and 100s of others to not be able to make their payment. There are 1000s of similar complaints online. As soon as the loan was transferred I asked for Auto Pay and sent their authorization form, which I've now sent 3 times. I travel a lot of want my mortgage to be paid. I have bi-weekly payments which is apparently a new concept for them as well. It's now almost A YEAR and I still do not Auto Pay! I'm going to be out of the country for over 6 months and in a mild panic. I've contacted another ( real ) loan co but will have to pay refi fees and higher interest rate. They sent a letter following my multiple concerns, phone calls and letters, which was full of incorrect and false statements and only shows the level of incompetence. I feel they are doing everything in their power to get me to miss a payment so they can add late payment fees, and ruin my credit, so I'll be stuck with them. I've had this mortgage for over 20 years, never missed a payment and auto pay was set up in a single transaction. It's taken multiple calls, emails, and internal messages EVERY month since last year and they still can't tell me if I do or do not have Auto Pay ( AP ). I've been assured multiple times but when I check my account online I find it's not paid. In XXXX I received a letter that AP would start XX/XX/XXXX. It didn't, of course. I had to check my account to find out. I then called to find out why and was ASSURED that the online account was not accurate and the AP was set. I was told I didn't need to make any payments ( which I already had in a panic ). Apparently they withdrew that payment ( for the entire month ) because I was told the AP had gone thru and didn't want to make double payments. The payment never went thru and was apparently cancelled on their end. I'm very busy ( which is why I do AP ) and don't have time to keep checking my account. For some reason I trusted the information was going to be true this time. This week I got a call telling me that AP would be making a withdrawal on XX/XX/XXXX, which was an odd call. He also confirmed that an AP was paid in XXXX. He then asked to check and then told me NO, had not been paid in XXXX! and I would need to make a manual payment for the full month. But told me definitely the payment WOULD be made on XX/XX/XXXX. As of today, XX/XX/XXXX, my bank account has no pending withdrawal for RLMS. Not surprised. This has happened each of the dozens of times I've been absolutely, definitely, assured. Another example of their fraud ( or ineptness ) they tried to say payments were rejected by my bank ( my bank and bank acct denies ) and then required certified payments and tried to attach fees. One such day. XX/XX/18 my account balance was over {$3000.00}, another on XX/XX/18 ( a " reversal '' ) my account balance was over {$2000.00}. My payments are apprx {$380.00} each but they claim the payment was returned! Bank denies, account disproves, I deny. False and fraudulent or just grossly incompetent and should not be allowed to manage anything resembling a mortgage or financial.
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| 04/10/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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We have been mistreated and misled by the representatives at Rushmore. We can not understand the poor treatment we have received during the servicing of our mortgage loan.
Let me give a little background : I 'm a XXXX years. I XXXX in XX/XX/XXXX and we have lived in this community for 26 years. I had an accident at work, badly injuring my XXXX in XX/XX/XXXX. I rely on my XXXX for work ... this accident caused me to fall behind due to the recovery time and the job loss. Plus, my XXXX never completely healed, forcing me to work only in a XXXX. I am trying to go to school to learn a new profession to add to my existing job and maybe replace it.
Once our construction loan converted to a home loan it was held by XXXX XXXX. When I got hurt and fell behind, we tried to catch up but then the loan was transferred to Rushmore. When that happened, it seems the fixed rate loan I signed up for became an interest-only adjustable rate loan. Our payment shot up from $ XXXX to $ XXXX within XXXX months!! Is that even legal?
Once we reached out to Rushmore to try and get some help to get back on track with the mortgage, we were constantly being treated unfairly. In fact, a supervisor named XXXX XXXX had the nerve to say to me as I was trying to get a completed modification application submitted that I should " start saving money '' since he had to respond to his investors who were business men and I was just another file. I had n't even officially applied and he was indicating that my application would be denied and that I should start saving for what was coming. It was very negative and the exact opposite of helpful to someone looking to save their home and fix the problem that we could n't avoid.
I was constantly submitting documents trying to complete the application for a modification of my loan, many of them submitted multiple times due to the complete incompetence of the Rushmore staff. I was never given a single person to deal with. I just repeatedly submitted documents to a department. And of course, my application was eventually denied as the supervisor had predicted.
Rushmore 's entire operation acts like a group of bullies and thugs, not businessmen. I want Rushmore to take a hard look at the servicing history of our loan and give us some reasonable options to save our home and get back on track with our mortgage. I believe our loan qualifies for help and Rushmore should provide us with a loan review for a loan modification or restructure. Rushmore had turned our life upside down with deceptive, unethical and probably illegal activities and have proven that their organization is nothing other than a greedy company interested in profits without care for the wellbeing of Rushmore clients.
I am very kind, but also tough and resourceful. Rushmore has left me no choice but to engage elected officials and regulatory agencies to help me against their tactics. Again, I built this home with my XXXX hands, so it is very important to me not to lose this home due to an unavoidable and unfortunate accident. I will do whatever I need to do to save my home. I am not asking for a handout, just to be given a fair chance with reasonable options to save my home.
Thank you for any assistance you can provide.
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| 02/05/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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I am a minority, single, elderly woman in Bankruptcy Chapter XXXX and I was working with XXXX to modify the mortgage. Rushmore hired a company to break in and change my locks! When I finally got into my home, I discovered the company they hired stole my personal belongs that I had packed in XXXX boxes! They have a sale schedule on the XXXX of XXXX. This is illegal! I have sent them my authorization letter for them to speak with my attorney to get into my house and my attorney sent them an authorization letter and Demand. They are refusing to speak with my attorney and will not take his calls. They said they have to wait XXXX 48hrs. This is my house and they have caused me emotional stress and harm mentally! They also have advertised to sell all my possessions in the sale!
They also have fraudulent deeds recorded on my property and saying they were executed by me and my exhusband. I am the only XXXX on the deed to my house! There was also a transferr or deed by MERS? XXXX either sold, owns, or is the servicer of the mortgage to XXXX XXXX XXXX / Rushmore address. I send a Qualified Written Request letter to all companies to find out who the real lender is. I am also challenging all the security deeds as they said that I and my ex-husband XXXX XXXX executed them and that XXXX is out Attorney in Fact. The attorney for the Servicer who notified for regarding the Sale set for XXXX XXXX, 2017 id XXXX XXXX, XXXX at XXXX XXXX, XXXX, XXXX XXXX XXXX, Ga. The Notice of the Sale and security Deed is XXXX ( XXXX XXXX XXXX. as Nominee for XXXX Mortgage Corporation, transferred to XXXX Investors. I spoke with Rushmore 's representative and I told them that I was presently in Bankruptcy Chapter XXXX but wanted to do a modification and asked them to send me the paperwork. The representative said that would not be a problem and that they would work with me on modifying the mortgage. I also told her I wanted to make sure of the real owner the mortgage as XXXX send me another letter saying they are still the servicer. Then I received another letter that XXXX was and another that Rushmore was. This IS very confusing and unethical! I never received the paperwork for the modification and then received a notice of from their attorney, XXXX XXXX, XXXX. I replied to the attorney in XXXX and let him know I am in Bankruptcy as all their correspondence said they were a debt collector attempting to collect a debt. The next correspondence I received was a Foreclosure Sale set for XXXX XXXX in 3 weeks. I called the representation and explained again that I had never received the paperwork for the modification. She then told me it was too late to do a modification and that it was set for sale. I explained again that I am still in bankruptcy and she argued with me and said my bankruptcy was dismissed which it is not! I told her they could contact my attorney and he would tell them I am still in Bankruptcy. She said there was nothing she could do. I am still in Bankruptcy and it is active. My attorney 's name is XXXX XXXX paperwork and case number attached. The representative said I have 3 weeks to get my furniture and personal items out of my house or I would lose even my personal belongings! GA XXXX XXXX
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| 02/09/2022 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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I paid my mortgage on XX/XX/XXXX for the month of XXXX. My standard payment is {$1100.00} and I paid {$1600.00}. Almost every month since the start of my loan Ive made over/extra payments. Around XX/XX/XXXX, I called Rushmores XXXX number and spoke with a qualified representative. I discussed with the representative that I was going to send in an {$1800.00} extra payment on my mortgage and that I wanted that entire amount to go to my principal. The representative assured me since I made my XXXX payment and my account was current that all of my payment would go toward my principal and nothing else. During our phone conversation, I asked the Rushmore representative several times if I needed to call back in to have my extra payment allocated to my principal only. The representative assured me that I did not need to call back and my money would be applied to my principal ONLY. This was the professional answer that I received from your Rushmore loan customer representative.
I made my additional payment of {$1800.00} on XX/XX/XXXX and it cleared on XX/XX/2022. Once I checked my Rushmore account, {$430.00} went to interest and {$310.00} went to my escrow including my XXXX when I was assured from a Rushmore loan professional that all of my additional payment would go on my principal ONLY. I have paid these same fees twice in XXXX month ( interest, escrow including XXXX ). That was not the information I was given from your professional customer service call center representative.
Since XX/XX/XXXX I have made countless phone calls to Rushmore Loan Management, Ive sent countless messages through the app and countless emails requesting to Rushmore requesting that either my money be refunded or that it would be applied the way I was informed by your paid customer service representative.
Rushmore had me pay twice of all my fees in the same month, full monthly interest XXXX XXXX times in XXXX, escrow XXXX XXXX times in XXXX, full XXXX XXXX XXXX times in XXXX. Rushmore put as little as possible of my extra payment on my principal so my interest payments can stay as high as possible and for the lender to make as much as possible. I also made my typical XXXX payment and as expected, I was charged the same amount of escrow, interest and PMI at my same rate. Thus far for XXXX and XXXX, Rushmore has taken XXXX escrow payments, XXXX PMI payments and XXXX interest payments. Rushmore took it upon themselves for me to make XXXX interest payments between my XX/XX/XXXX mortgage payment until my XX/XX/XXXX mortgage payment. Each interest payment was {$430.00} or above, where those figures came from, I do not know. Nothing was prorated.
Rushmore needs to be liable and honor what information I was given from their paid Customer service employee. I was told and reassured from Rushmores customer service representative that my extra {$1800.00} payment would be applied to nothing but my principal. I have tried to mediate the situation and have Rushmore write the wrong. This was done through a series of stressful phone calls, emails, Rushmore account sent messages and a certified demand letter. Rushmore is refusing to apply my payment fairly and how I was told my extra payment would be applied.
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| 08/11/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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|
Web |
Older American |
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Rushmore Managment Loan Servicer We are accusing Rushmore Loan Management Servicer the with mortgage abuse, predatory lending tactics, and fraud, being untrue about their status, confused wants to know true identity who XXXX are? want true understanding and discloser concerning the servicer whether Loan Servicer stands as a loan servicer, debt collector, servicer, or owner of loan, Rushmore claim all the above : How can the servicer be a debt collector, servicer, and possible owner of loan? We are not delinquent on the loan? why we need a debt collector to collect payments, if loan was sold? why is debt collector collecting funds? Secondly, complaining because XXXX fabricates information concerning loan, in order to Pack the loan. claims loan is FHA loan, not true, in XXXX we paid loan off in full, before acquiring Home equity Loan. Afterward, It was flipped switched to XXXX XXXX, now flipped to Rushmore who claims they pay homeowner taxes, not true we pay the taxes, Servicer claims were delinquent on insurance and taxes, not true. Insurance payments are collected with note we pays double for home owner insurance. This is a Home Equity Loan, not a mortgage Loan, taken out only one mortgage in my lifetime forty-five years ago an FHA Mortgage that mortgage paid off and close.
Fourthly, servicer claims 30-day delinquent exist on loan within twelve months of history, not true. Nor has any 60-day delinquent in the most recent 24 months of history of the account. Finally, pays tax to County Tax Commissioner, not the servicer, taxes have never been delinquent or lapse in insurance coverage. Insurance is included with loan payment. Another reason for complaining is the company continue raising and doubling insurance. We do not need expensive escrow account on this loan, not a mortgage, XXXX XXXX XXXX. We want Home Owner insurance released from Rushmore Management Loan Servicer, its too expensive, they fabricate all the above. In order, to stop us from controlling the insurance.
Next complaint, Predatory trickery loan was unaware of High Price /High-cost Daily Simple Interest on loan and over half of monthly payments goes toward interest very little toward principal. One can not pay off this type loan only have one life. Sum up. We were given a bad loan A Negative Amortization loan. seeking help to get the Daily Simply dropped pays nine extra dollars a day on the loan. Servicer is untruly concerning payments submitted to creditor deny and delays dates received to creditor.
Again, How can this company be a mortgager, a loan server and a debt collector, our loan is not in default? We want the servicer to stop clamming we are in default, drop Daily simple interest, We are paying enough with 7.6 interest loan. Two banks and one mortgage servicer whole interest on this {$42000.00} loan had it since XXXX paying nothing under {$500.00} a month, banks claimed only {$16000.00} has been collected for payment on loan We pay home owner tax, was paying insurance assuming the reason why Rushmore wants to control the home owner insurance is to continue packing the loan Predatory Lending Mortgage Servicing abuse : Insurance Packing Negative Amortization Loan # XXXX XXXX XXXX
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| 05/02/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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This is in reference to CFPB case Number : XXXX ; We sent a QWR to Rushmore Loan company. The QWR response from Rushmore was within the time confinements, but was a INCOMPLETE response. This QWR was a request for information from Rushmore LLC, since WE HAVE NOT RECEIVED ANY CORRESPONDENCE FROM THEM FOR 1 YEAR after being transferred to their service!!! NO NOTIFICATION FROM THIS " SERVICER '' FOR A YEAR?? WHO COULD AND SHOULD HAVE CONFIDENCE IN THIS COMPANY?? As per the QWR documents Rushmore sent earlier this month -- -- still not included with their response were ANY copies of ANY documents that are/were required throughout the year. It was as if they just " discovered '' us, when I sent the information and documentation request by QWR!! Insufficient documentation : 1. Limited documentation of the date and service transfers from previous servers. 2. NO documentation of the " forced placed insurance '' policy, i.e., policy copy, dates of coverage, amount charged to our account. 3. Indications that Rushmore did not have " add-ons '' to our loan " during the time Rushmore has been servicing our loan '' ... what about the previous servers? 4. NO documents to establish the CHAIN between the original lender and the current owner of the Note and Mortgage. 5. Payment History -- THE QWR Account History was the FIRST documentation to us from Rushmore in an ENTIRE YEAR! Payment histories were enclosed for previous XXXX ( XXXX ) and scattered documents ( no payment history ) from XXXX, other previous servicers were not included. Again this does NOT SHOW THE CHAIN between the ORIGINATING lender and teh current owner of our Note and Mortgage. 6. Annual Escow Analysis Statement was not sent by Rushmore, but a copy of XXXX 's Annual Escow Analysis completed LAST YEAR. None from Rushmore. Questions not responded to : 1.What is electronic XXXX number assigned to this account. 2. Proof of true sale of the note from Lender to investors. 3. XXXX XXXX Report in order to see the audit trail of the alleged transfer in ownership and transfer in security interest. 3..A complete AUDIT HISTORY from loan origination ( XXXX/XXXX/2002 ) showing dates payments were applied and to what internal accounts ( principal, interest, suspense, escrow, etc ). 4. A complete and itemized escrow for this account, from the date of the original note ( XXXX/XXXX/2002 ) to the date of the QWR. 5. A complete and itemized statement from the date of origination of the loan to the date of the QWR, showing ALL forced-placed insurance, the name of the insurance co. and the relation of the INSURANCE company to the servicer at the time or a related company, and the amount of commissions the servicers of my loan have received. 7. What does this acronym stand for " XXXX '' Investors? Are they associated with ANY pervious owners of my note ( e.g., XXXX ; XXXX ), as being owned by these banks? Does XXXX have connections or business assocations with any previous servicers? 8. NO copies of loan modification attached, when XXXX and Rushmore were BOTH sent final loan modification papers right about the time that WE WERE TRANSFERRED TO RUSHMORE!!! Rushmore 's lack of communication and documentation is atrocious!
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| 04/17/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
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I have owned my home in New Jersey for 15 years and live there with my mother, aunt and live in girlfriend along with XXXX children. I have an FHA mortgage loan that is being serviced by Rushmore Loan Management and I am filing a complaint about the way they have handled my loan. I have been trying for months to get them to review me for homeowner assistance programs that are offered by HUD but have been unable to make any progress. I am transferred from one department to another, documents are lost and misplaced and I am given a boatload of different excuses. This has gotten serious, because now Rushmore has scheduled a foreclosure sale date. I am in a much better place financially and deserve the chance to be considered for these government programs but feel that Rushmore is blocking me from consideration.
My trouble began in XX/XX/XXXX/XX/XX/XXXX when my now ex-wife and I were going through a divorce. As the divorce became contentious and expensive mortgage payments were missed. We were able to work out an agreement with HUD and Rushmore to get the loan restructured at that time. However, the new payment was based on the income of myself and my ex-wife and the payment only decreased {$100.00}. This new payment was not sustainable as at that time my ex-wife had moved out and was no longer contributing. I continued making the modified payment as long as I could until it was impossible and began trying to reach out to Rushmore to see if we could be considered for a more affordable alternative.
I was trying to resolve the matter with Rushmore in XX/XX/XXXX when I defaulted but was unable to gain access to my account because my ex had added a password that I was not aware of. As a result I could not get information from their agents or access our payment history online. Once I finally got their agents to engage I was told I needed the finalized divorce decree to proceed. The divorce was still in process so that took me some time. However, once this was all straightened out I have been going back and forth with Rushmore and their agents for months without any type of tangible progress. My financial situation has improved significantly -- I am working as a XXXX XXXX while going to school full time -- my mother lives here and contributes her SSI and my Aunt lives here and pays rent and also my live in girlfriend pays rent as well. There are 4 adults and XXXX kids in our home and all of the adults are helping out with the expenses. We have sufficient income to afford a reasonable payment. The problem is that Rushmore has denied us access to government and internal programs that we should qualify for. There are government backed homeowner assistance programs for HUD loans such as modification, partial claim, special forbearance as well as repayment plans that we should be considered for. I have spent the last several months trying to get Rushmore to conduct such a review of our current financial information, but have been denied access by their agents.
Now Rushmore has scheduled a foreclosure sale date in XXXX even though I have the means to resolve this matter. Please investigate Rushmore and their unethical business practices.
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| 06/21/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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My name is XXXX XXXX Property address is XXXX XXXX XXXX, XXXX, CA XXXX My loan # XXXX XXXX XXXX My mortgage servicer is Rushmore loan management services , LLC Point of contact at Rushmore is XXXX XXXX XXXX ( XXXX ) XXXX last year I lost my job and got legally separated with my wife that's another income that I lost but now I have a good job and I work XXXX too, so I applied with KEEP YOUR HOME CALIFORNIA ( its a government help program ) and I got approved with them to reduce my principal and that was on Tuesday, XX/XX/XXXX with one condition that I have to apply for a loan modification ( APPROVAL LETTER IS ATTACHED ) with my mortgage servicer witch is RUSHMORE LOAN MANAGEMENT SERVICES , LLC so I downloaded the the application online and I found out that loan modification will not be accepted if i have a sale date within 37 days ( Put IN MIND I'M IN FORECLOSURE ) so I called my Mortgage Servicer on XX/XX/XXXX at XXXXXXXX XXXX ( XXXX ) XXXX ( I Attached My Phone Bill For Record ) and spoke with XXXX XXXX who handle my loan in the lost mitigation Department and I asked him clearly, Do I Have A Sale Date? and his response was NO NO, send me the application to work on the modification for my loan ( the conversation is recorded because he asked for my permission to record any call to him.
I submitted the application with all the documents required according to their application on XX/XX/XXXX at XXXXXXXX XXXX ( I attached the Fax Communication Log ) then called on XX/XX/XXXX at XXXXXXXX XXXX XXXXo follow up and I was told that they need proof of rental payment which the have it in the bank statement because its a direct deposit and I told him that, and he said he will submitted himself.
Then I called him on Tuesday XX/XX/XXXX around XXXX XXXX again to follow up with him due to the KEEP YOUR HOME CALIFORNIA letter expiration date on XX/XX/XXXX then his response was " sorry XXXX XXXX your modification was submitted within the 37 day of sheriff sale date, I asked him for help and he declined it, I asked him to speak with higher department they may make a dissension he also declined it then I had to call a lawyer today Wednesday, XX/XX/XXXX and he told me It's illegal to declined your loan modification it's not even submitted to the underwriter also my lawyer said that he can stop the sale and MAYBE get my mortgage servicer to work with me on my loan modification but no guaranteed and also my lawyer not sure that if they would work with me it will be done before my KEEP YOUR HOME CALIFORNIA EXPIRATION DATE WHICH XX/XX/XXXX, beside my lawyer asked for a lot of money which I don't have Then I had no choice but to call you for help and I would like to get modification done before XX/XX/XXXX because I CAN'T AFFORD TO LOSE THIS BIG HELP From KYHC.
This is what I call home for me and my kids, and I'll do anything within my power to keep my home I worked so hard to get it and I put a lot of money in it, I can't lose it.
Your prompt attention to this matter is very argent I would be very much appreciated for your help and if you have any more questions please don't hesitate to call my cell any time ( XXXX ) XXXX
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| 01/30/2019 |
Yes |
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- Struggling to pay mortgage
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Web |
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Im writing today to express my sincere disappointment in Rushmore Loan Management Services regarding the Deed In Lieu of Foreclosure process. I worked with a representative who was helpful and courteous, so my complaint is not with her.
To begin, I filed Chapter XXXX bankruptcy in XX/XX/XXXX which was Discharged in XX/XX/XXXX. Since that time the mortgage on the property in question was sold by XXXX XXXX XXXX to XXXX XXXX XXXX XXXX, then from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX and finally to Rushmore Loan Management Services. Not only did I receive collections phone calls ( after bankruptcy ) from every one of these financial institutions, but I went through agony over the last 6 years in my attempts to fully remove the propertys title from my name.
My major complaint with Rushmore however, stems from the Deed in Lieu which proceeded as follows.
I first received an offer on XX/XX/XXXX regarding the Deed in Lieu process. The letter stated the offer was valid for 60 days. The verbiage of the offer letter states verbatim : The best part of the program is that Rushmore Loan Management Services LLC will give you a one-time payment to assist you with relocation expenses in the amount of {$2500.00} which will be paid to you at the time the deed-in-lieu process is complete.
I have provided a copy of this document for your review.
As I corresponded with my representative, I was also advised I needed to complete a XXXX to receive the incentive. I was provided a copy and returned it as requested. I have also provided copies of my email correspondence to show where I was advised of the necessity of this document as well as the confirmation that it was received.
After having my attorney review the documents, I met with a notary on XX/XX/XXXX and signed the Deed in Lieu, which was sent out to the third-party servicer by the notary the next day via XXXX. The Satisfaction of Mortgage was recorded with the county on XX/XX/XXXX. I have also provided a copy of this document for your review.
I followed up with my representative several time over the next few weeks in an effort to get copies of the signed documents and to find out about receiving the incentive I was offered. Today, much to my surprise and dismay, I was advised that I would not be receiving the incentive as it had been denied by the investor.
Nowhere, in the documents I was provided did it state ( or did I see ) that the incentive was subject to approval after signing of the documents, and that it could be denied. To the contrary, over the course of the entire process, I was led to believe that I would be receiving the incentive upon completion. I firmly believe that I was misled to coax me into signing the Deed in Lieu documents. I was offered an incentive only so Rushmore could get me to turn over the property. As requested, and agreed, I followed through with the process which was fully completed within the 60-day time frame. I held up my end of the agreement, but once Rushmore got what they wanted from me, they refused to follow through on their end. If there ever was a practice that truly defined unfair and deceptive, this is it.
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| 01/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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On XX/XX/XXXX, we paid off our mortgage to Rushmore Loan Management Services for the amount of {$190000.00}.
After a month, we had not received the Release of Mortgage/Lien on the property. We call XXXX on numerous occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). Each phone call was a lengthy process of being passed from one customer service rep to another and many times even advancing to supervisors. Each time, we were told it was under review and being sent.
On XX/XX/XXXX, we received a notice of transmittal of release of mortgage along with the copy of the release and that the original was sent to our local county recording clerk. This submittal to our clerk would release the lien on our property, thus allowing us to make financial steps and decisions with estate planning, equity, etc.
After calling our county clerk recorder, they stated they never received the release and we provided them with our copy, but they stated that they must have the " original '' on file.
We contacted XXXX on XX/XX/XXXX and they stated that we had to request " in writing '' for them to resubmit this document of release of mortgage to our county recorder.
We contacted our attorney and he submitted this written request on XX/XX/XXXX on our behalf. On XX/XX/XXXX, we contacted XXXX and they agreed that they had received the written request and would act accordingly.
On XX/XX/XXXX, we contacted XXXX again, because our county clerk still had not received the original document.
On XX/XX/XXXX we received a letter from XXXX dated XX/XX/XXXX that they received our written request. On XX/XX/XXXX we received a letter dated XX/XX/XXXX stating they they were enclosing a copy for us of our Release of Mortgage. They did not state that they would send it to our county clerk even though we gave all contact information to them in our attorney 's letter. They just sent us another copy. So, our written request was essentially denied and the lien release was not sent to our county clerk recorder.
On XX/XX/XXXX, we contacted XXXX again and again moved up the chain of representatives to a supervisor and we were told, it was sent on XX/XX/XXXX.
On XX/XX/XXXX we called again and then another manager representative told us it was NOT sent and that their " loan vendor '' was being contact to get another copy sent. During this conversation with the supervising manager, he did state that XXXX did violate the Kentucky Resident 30 day policy on releasing mortgages.
So, as of today, XX/XX/XXXX, we are over 4 months in waiting for our mortgage lien to be released from XXXX. Numerous attempts have been made by us. We never failed to pay our monthly installments. And, now that we have paid off the debt, we can not get the mortgage company to release the lien.
As stated, we are in a financial limbo. XXXX has violated their 30 day policy with us. We can not get answers. We can not get the release sent.
We are asking help from the CFPB to contact Rushmore Loan Management Services to expedite the release of our mortgage that was done over 4 months ago in XXXX of XXXX.
Thank you.
|
| 01/19/2022 |
Yes |
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- Trouble during payment process
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Web |
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To whom it may concern : My name is XXXX XXXX and I am stressed. My mortgage was previously serviced by XXXX XXXX
Upon loss of income due to not being able to work during Covid 19 I kept the dialogue open with XXXX XXXX to inform them of my current financial situation and I was placed on a forbearance plan. As I started working again, I immediately contacted XXXX XXXX to tell them I would like to resume making payments on my Mortgage.
XXXX then reviewed and decided that I qualified for a Covid Relief Loan Modification and offered to bring down my interest rate from 5 % to 3.125 % ; and my principal loan balance would remain at {$200000.00}. I accepted these terms and agreed to begin making payments on XX/XX/2022.
I called XXXX XXXX today XX/XX/2022, to inquire about getting my declaration page for the forced placed insurance and asked where to send my new homeowners insurance information because I was paying forced placed insurance at a premium. It is then that XXXX stated that they did not have any information regarding my loan because the mortgage has been serviced released. They stated that my mortgage was transferred over to Rushmore Mortgage and was sold. I was never notified of any such transfer, and I was not notified prior to any change. I was not provided any notice or any information or correspondence from XXXX or Rushmore. I never even heard of this servicer. XXXX provided me with Rushmores phone number and stated that I needed to call them because XXXX no longer has any information regarding my mortgage loan.
I immediately contacted Rushmore, and they were rude to me, and did not have any information on file for me after I pressed, they transferred me over several times, and stated that they could see that my loan was transferred, but they dont have any additional information. I asked them whether my Principal Loan balance would remain at {$200000.00} and interest rate at 3.125 % as agreed to by XXXX, they stated that it should be the same. I asked them where and how to make my payments and they stated that they could not provide me with any information, so I needed to contact XXXX XXXX. I explained to them that XXXX XXXX stated that I needed to contact Rushmore and provided me with their contact information because XXXX did not have any information, they stated that they would have someone from their management team call me back, but they did not even have my phone number, they did not have the most basic information regarding me or my mortgage loan, but instead provided me with general boiler plate responses.
I am beyond frustrated and right when I thought that I was getting my life back together during this pandemic XXXX and Rushmore are operating like loan sharks, refusing to allow me to pay my loan, under the terms already agreed to, and refusing to provide me with additional information, such as where to make the payments to.
I am sick and frustrated by this gross misconduct. Please assist.
If you have any questions or need any additional information, please do not hesitate to contact me at ( XXXX ) XXXX or by email at XXXX.
Thank you, XXXX XXXX
|
| 12/20/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American |
|
My Refinance of my mortgage was first " financed '' by XXXX XXXX XXXX XXXX, I agreed to the terms of the FHA refi, and signed papers, all went well/smoothly ... I agreed to the {$410.00}. per month mortgage payments, etc.
My loan was " sold '' to Rushmore Loan Management Services LLC -- and there have been multiple problems since then.
My Escrow account was " evidently '' short, so they raised my Escrow and Mortgage payments by {$50.00}. per month.. -- In phone calls to RUSHMORE I found out they had a " XXXX XXXX '' insurance policy added on to my Escrow account. I DON'T HAVE AND HAVE NEVER HAD A XXXX XXXX POLICY. They evidently removed that ... and my Escrow and payments did NOT go down ... They then " added '' on Flood Insurance.. without contacting me at all. [ They had all the paperwork from the original XXXX XXXX, which included the paperwork to prove that I DO NOT LIVE IN A FLOOD ZONE, and Flood Ins. is optional not mandatory for me. ] Information and documentation on the " Flood Insurance not mandatory '' for my area was AGAIN provided to them. I don't know yet if they have removed that and lowered the 2019 payment from well over {$500.00}. back the the only {$50.00}. over my initial agreed upon payment amount of {$410.00}.
MOST RECENTLY ; I had to change my bank account due to someone " getting into '' my home computer.. for security reasons. Having to change this, after 20+ years caused some issues for me, in differentiating between my " member number '' and " account number '' with my Credit Union .... causing a RUSHMORE automatic PAYMENT to be returned/rejected due to the wrong account information ... one month. The next month my ONLY INCOME of XXXX did not go into my checking account, due to erroneous account information.. month two ... causing the Rushmore automatic payment to be rejected/unpaid. All information has been corrected. I have spoken to RUSHMORE " CUSTOMER SERVICE '' on a few occasions ... it is frustrating to do so.
THEY ARE PRIMARILY AND FOREMOSTLY operating and acting as a " COLLECTION AGENCY '' ... very impersonal and inflexible, and we all know how frustrating it is to deal with a FOREIGN company when trying to solve a customer service issue. I have explained completely and fully the account errors in changing my bank account. I'm a XXXX year old XXXX woman who lives alone and on a very limited income.. I am XXXX XXXX. I have NEVER had any account in arrears, not a mortgage, or any debt, no utility has ever, ever been turned off for lack of payment. I have always paid all of my bills on time and as due ... I resent being treated and spoken to as if I am irresponsible and a credit risk ... My honest explanation for what had happened, once in a lifetime BEING IGNORED COMPLETELY by the Company.
XXXX foreign customer service rep. told me that my payments would be " CERTIFIED FUNDS ONLY '' -- putting a physical hardship on me, XXXX .... and I told her that was not going to happen ... these two payment snafus were a one time, special circumstance and NOT done by someone with a poor, unreliable credit history/payment history.
Thank you.
|
| 03/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Hi my name is XXXX XXXX. I own a duplex in XXXX CA that is currently rented out .I have owned the property since XXXX. Due to extreme covid hardship for myself and tenants I have been unable to maintain my mortgage. I have continually contacted my new ( AQUIRED LOAN XX/XX/XXXX, PREVIOUSLY HAD XXXX XXXX XXXX SINCE ORIGINATION ) mortgage company Rushmore Loan Mngt services, llc for assistance. Which they have denied me since XX/XX/XXXX. Rushmore loan services have routinely denied me help and have tricked me into thinking they were working with me but rather they were aggressively starting foreclosure. I strongly feel They are discriminating against me because I am XXXX single woman and not educated about my rights.
Recently on XX/XX/XXXX I again contacted Rushmore for loan assistance where I spoke with XXXX. I advised of my covid hardship and asked for assistance, she denied me any immediate assistance. I told her that due to the state moratorium my tenants were not paying rent and that their was nothing I could do to enforce them to pay at this time but that it should be expiring and my tenants said they will start paying in XXXX and I would follow up, she said ok. She never mentioned that my account was going to be immediately referred into foreclosure pending our conversation. She tricked me into thinking that the bank would work with me but all along they were planing to foreclose. They say things like complete a package but when I explain my hardship and my finances they say oh you don't qualify. For almost a year they denied me options. I also advised Rushmore numerous times on the phone it was my intent to keep my home. As soon as i got off the phone withRushmore I contacted HUD for help. I spoke with XXXX XXXX at XXXX who was assisting me with options. ON XX/XX/XXXX Rushmore Filled a NOD. On my conversation on XX/XX/XXXX i was never advised that a foreclosure was immenit. I was tricked into thinking they were working with me but 3 weeks later a Nod was filed. I never received a call or letter from Rushmore after my call with XXXX on XX/XX/XXXX advising me their going foreclose and i would have additional fees. On XX/XX/XXXX I actually found out about the foreclosure from a solicitation call that my home had a NOD. When I called Rushmore for explanation I spoke with XXXX XXXX who told me go online for a deferment. Again I was tricked into thinking help was available but when I went online request deferment I was unable to apply. I feel like I have no options to save my home even though I have had an extreme covid hardship. This company does not want to help me and want to destroy me because I don't have the resources to protect myself. My tenants are struggling and if I loose this house they will have no where to go. Also when I asked why was I not notified about their intent to foreclose they said they sent it XX/XX/XXXX. Almost a year prior however no one ever mentioned that to me on any of my calls over a year. Also they continue to humiliate me by mailing nod to my family members address even though I don't reside their or ever provided their addresses.
|
| 12/15/2016 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
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I have over accrued on my escrow account due to my property being a new build and the taxes not being assessed. My tax statement came in XXXX and the company servicing my loan XXXX sent me an overage check in XXXX. They said they could n't change the escrow until the review in XXXX so it would continue to over accrue and they would then fix the payment and send me another reimbursement check in XXXX. I called then to follow up and my load had been sold that month to Rushmore LM. At that time Rushmore said they just purchased many loans and I would have to wait a few weeks for the escrow analysis to conducted. I called back and they said they were finishing them up. I then received a statement dated XX/XX/2016 with the correct amounts for my taxes, insurance and PMI, with an overage due to me of {$3900.00}. I called to ask for my check and they said it was in process for another two weeks. Then a week later I received another escrow analysis dated XX/XX/XXXX with the old incorrect taxes and my PMI had somehow doubled from {$64.00} to {$120.00} per month, this statement had an overage of {$800.00}. The payment then went back to {$2400.00}, from the previous escrow analysis which had my payment at {$2100.00}. I called and they said they would review and get back to me. No call back. I called again a week later and they said that it would have to go through a escrow analysis. During this call the automated system stated my payment to be {$2100.00}, however the representative stated a higher {$2500.00} which I have a recording of the call for your review. He connected me to the tax department at Rushmore who I then confirmed my tax amount once again. He also confirmed my MI had doubled to $ XXXX/mnth which I felt was illegal as this was defined in my closing note and not to change ( just like my % rate would n't change ). He said he would look into this and he would call me back XX/XX/2016 ( XXXX was his name ). No call. I called back on XX/XX/2016 and they said they would be looking into this and process this for evaluation. I asked to speak to a manager and he was on the other line but would call me back when he hung up ( XXXX ). No call back. I then received a check for the lesser amount of {$800.00} on XX/XX/XXXX for an overage per the second escrow analysis. I called on XX/XX/XXXX and spoke to a XXXX manager. She said that she agreed there was an issue and would look into it and call me within 48 hours. No call. At this time I called my loan originator and asked what I could do and if he could look into it. I sent him all paperwork and he spoke to his XXXX rep and they evaluated it. They agreed the increase in my PMI was illegal, holding my money was also illegal. They suggested I then file a claim with CFPB as holding my mortgage payments as a form of recourse was a bad idea and the only other option was an expensive refinance at my expense. So here I am with a loan management company that refuses to call back, wo n't pay me the money owed, has illegally doubled my MI, and has also continued to give me contradicting stories on what my actual payment should be.
|
| 02/26/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
|
|
XX/XX/XXXX Mortgage Bill raised from : {$920.00} to {$960.00} XX/XX/XXXX @ XXXX called Rushmore to inquire as to why they raised the mortgage payment.
1. After being connected to a person allegedly named XXXX, I was placed on hold for an extremely long time. This person, calling themselves XXXX claimed to have computer problems.
But first was asked an endless line of questions, to verify my identity.
They couldnt access because of computer problems, so I was transferred to another person.
After a long time on hold trying to get rid of me ).
( XXXX - XXXX ) 2. The second person, allegedly named XXXX, had limited access to my mortgage information. But first asked a barrage of questions, again to verify my identity.
They lied to me as to why the mortgage payment was raised ; saying taxes went up.
The millage rate totals are XXXX for the year XXXX as well as XXXX.
Ive been notified by insurance companies that the mortgage servicer ( Rushmore Loan Management Services ) has not paid for insurance policies.
( XXXX - XXXX : 3. So I get transferred to a third person in the insurance department. This person went by the alleged name XXXX. She tried to quickly get rid of me too.
I explained the changes in insurance policies, and it appeared that that they ( Rushmore ) had received all the paperwork from the insurance companies. But she couldnt give me an answer. She had Limited authority and capabilities.
I kept getting placed on hold, while she stopped to ask someone ( her superior, that should of handled the call ), at every step of the way.
I explained each insurance policy number, start date, & end date.
But it is apparent that there isnt anyone there intelligent enough to comprehend a simple time line.
My mortgage payment should of gone down instead of up.
XXXX XXXX XXXX - XXXX Policy # : XXXX Policy Period : XX/XX/XXXX to XX/XX/XXXX Total Annual Premium : $ XXXX XXXX XXXX Policy Number : XXXX Policy Effective Date : XX/XX/XXXX to XX/XX/XXXX 12-Month Premium : $ XXXX XXXX XXXX XXXX XXXX - XXXX Policy Number : xxxxxxxx Policy Start Date : XX/XX/XXXX - XX/XX/XXXX Policy Amount : $ XXXX Payment Terms : Mortgage - Pay in full XXXX XXXX - XXXX Property ( xxxxxxxxxx ) BillingAccount ( xxxxxxxxxx ) Policy Number xxxxxxxxxxx Total length of call was 47 minutes & 37 seconds.
Since my call to Rushmore Loan Management Services ; I have received 2 letters ( by anonymous people ) on XX/XX/XXXX ( dated XX/XX/XXXX ) XX/XX/XXXX ( dated XX/XX/XXXX ) Threatening to buy hazard insurance on the property because according to their records there is no insurance since XX/XX/XXXX.
They want declaration pages with an effective date of XX/XX/XXXX.
Despite all the above has been provide to them. Theyre just displaying either gross incompetence or malicious intent or a combination of both.
Their ( Rushmore ) response to the phone call I made to them, on XX/XX/XXXX ; after navigating their hellacious phone menu, and time on hold.
1. Was to increase my mortgage payment, without merit.
2. Threaten to charge me for hazard insurance on the property
|
| 11/07/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Complaint # 3 to try and have the subject property 's account ledger corrected and updated to show misapplied payment from XX/XX/XXXX that has been consistently forcing the account into default.
The CFPB has closed the case again without the company actually responding to the allegations and need for enforcement of their obligation to appropriately apply funds received to the accounts they are servicing and correcting a mistake when a mistake is found. Rushmore 's inability to provide a single point of contact that actually works on the files, has directly impacted this borrower and property owner.
Actual Summary of Events : Mortgage Reinstatement under borrower account XXXX XXXX was made on XX/XX/XXXX by property purchaser XXXX XXXX through an escrow that was opened and processed as a short sale transaction with the knowledge and participation of Rushmore.
Rushmore stated in their XX/XX/XXXX response : Account was due for a XX/XX/XXXX payment when escrow closed and no additional payments were received from XXXX XXXX after she reinstated the loan until XX/XX/XXXX. Rushmore 's original response further states that because the account was in default with no workout plan, meaning 90 days or more past due with no intention of resolving the matter, it rejected the additional payments made by XXXX XXXX.
This 3rd complaint will be the final attempt for a mutual resolution.
Account Reinstated : XX/XX/XXXX Next Payment Due Date : XX/XX/XXXX - 1st Payment Made : XX/XX/XXXX* - 1st Written Correspondence from XXXX XXXX to Rushmore regarding Rushmore 's claim of missing payments, proof of payments made and request for available payment assistance options : XX/XX/XXXX - 1st Written Response from Rushmore regarding misapplied funds and system correction : XX/XX/XXXX*. *Please note, after Rushmore issued their administrative error notification dated XX/XX/XXXX, it stopped accepting payments on the account. At this time, the account was less than 30 days past due because Rushmore cashed a payment on XX/XX/XXXX.
2nd Payment Made : XX/XX/XXXX ( Cashier 's Check Cashed by Rushmore XX/XX/XXXX ) 3rd Payment Made : XX/XX/XXXX ( Cashier 's Check Uncashed by Rushmore ) XX/XX/XXXX 4th Payment Made : XX/XX/XXXX ( Cashier 's Check Uncashed by Rushmore ) 5th Payment Made : XX/XX/XXXX ( Cashier 's Check Uncashed by Rushmore ) 4th Payment Made : XX/XX/XXXX ( Cashier 's Check Uncashed by Rushmore ) Attached to this complaint are the copies of the cashier 's checks, wires and letters from XXXX XXXX.
Please note, after 2 complaints filed and multiple documents and proof of payments shared, Rushmore still does not accept the mistake of not properly updating their administrative error in their processing of payments made to this account. XXXX XXXX is asking for the foreclosure sale date to be suspended a that a payments be corrected in the system. As a result, XXXX XXXX should be given the opportunity to resolve the account with Rushmore within 90 days of the agreement to suspend the foreclosure and/or re-initiate the proper foreclosure proceedings.
|
| 03/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have attempted vigorously to settle my foreclosure with Rushmore bank for several years after my loss of employment, due to a permanent XXXX. Ive hired real estate brokers and attorneys to settle all the debt associated with the property through loss mitigation. However, Rushmore has acted in a disingenuous and deceptive manner by not truly evaluating a fair and reasonable offer to settle the debt through a short sale. They have violated loss mitigation procedural safeguards for me as a homeowner by consistently not evaluating the proper settlement of the property. In exchange, I have made every attempt and given numerous documents to validate the current condition and value of the home. This complaint is served as an appeal to the erroneously and fictitious property values that Rushmore is utilizing to reject my short sale.
In the year XXXX, XXXX XXXX, a portfolio resolution specialist, arbitrarily suggested the property was worth low $ XXXX without ever inspecting the property. When he was told the home was a rehab, he than suggested I sign over my home in a Deed in XXXX and they would do the construction on the home. He never considered the other encumbrances that would remain after a Deed in XXXX. I rejected the Deed in XXXX. After begging Rushmore to do an inspection to assess a more accurate value, they hired a real estate agent that is untrained and unlicensed to efficiently evaluate the property. In XXXX the agent stated the home was worth XXXX ( although much less than XXXX XXXX made up number ) but it still had serious errors. The agent reflected a renovation cost of about $ XXXX. A licensed HUD inspector report stated a complete construction cost for the renovation at $ XXXX, more than double the estimated cost from this broker opinion who was neither a construction professional nor experienced in renovation estimates. The as is value of $ XXXX didnt include accurate repair costs, which would have placed the property at a valuation of around $ XXXX.
The application was resubmitted in XX/XX/XXXX and most recently in XXXX. All with the same outcome, Rushmores lack of proper evaluation and never using a trained expert to resolve our dispute. Rushmore believes this property value has increased over XXXX in less than 3 years. They are using drive-by inspections that are gross inflations of the value of the property that rely on market fluctuations. This does not represent the current condition and damage to my house. Even their own internal inspection done once in XXXX negated their initial arbitrary number by over $ XXXX. They have stated the property was worth $ XXXX in XXXX, $ XXXX in XXXX and $ XXXX in XXXX, none of which were licensed appraisal reports.
I recently hired a certified licensed appraiser to conduct an accurate valuation and submitted it to Rushmore who said their investor will not consider any expert evaluation only the opinions of unlicensed untrained real estate agents.
The costs on this property continue to rise and the condition continues to deteriorate. I am entitled to a fair resolution.
|
| 11/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
After my income dropped as a result of XXXX I tried to obtain assistance. Unfortunately, I was unable to secure any type of assistance on my own. I began working with XXXX to assist me with my modification. Their accounting department reviewed all of my documents prior to me submitting them to Rushmore and I was assured that based on my income I was well within the guidelines to secure a modification.
Unfortunately, Rushmore has a way of dragging the modification process out by requesting additional documents along the way. By continuously requesting more updated documents they are really just dragging the process out!!! For my first request finally in XXXX 2021 I received a reply from Rushmore. According to their findings somehow my income was only generating {$640.00}??? I was simply floored at how the discrepancies from what was submitted to what they reported. Ultimately my request was denied.
Once again I resubmitted my modification request package. Again more of the same back and fourth, back and fourth. I did notice when I began reporting what was happening to CFPB, Rushmore stated I finally have a completed package. Again the agency I was working with reviewed my updated documents and they confirmed my income can handle all of my expenses. Rushmore 's disagrees and my package is denied again. It feels like this company has never had any intentions of assisting me.
I was assigned a contact person that I've only spoken with 3 - 4 times throughout my 6 month + modification process. I called XXXX XXXX on XX/XX/XXXX regarding a letter explaining foreclosure options. He was not available, however on XX/XX/XXXX XXXX did call me back. He informed me that the letter was automatically generated and not to concern myself with it because I am still under review for a modification.
On XX/XX/XXXX I reached out again to XXXX to see if there were any updates on my modification application. I never received a return call. I reached back out to XXXX on XX/XX/XXXX and as usual he wasn't available so I left a message. I'd received an overnighted letter explaining Rushmore is the servicer on my loan however XXXX XXXX XXXX XXXX is the owner. I was well aware Rushmore doesn't own my loan. They paid the additional overnight fee for this information that is well known to be sent to me yet the only way I know my request for a modification was once again denied in writing is through the CFPB website. My submitted supporting documents clearly reflect I can assume my mortgage however they state my income as {$1600.00}??? According to the letter on the CFPB website I have 14 days from XX/XX/XXXX to appeal this. I haven't even received the letter via mail. It's like Rushmore is continuing their games!
I phoned Rushmore this morning to try and get an understanding of what exactly in my income didn't support my expenses. I spoke with a representative named XXXX. He couldn't explain what in my income didn't support my expenses, he got frustrated and disconnected the call.
At this point it is clear Rushmore isn't trying to help me!
|
| 09/13/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
Time is of the essence in this case because the setting of Connecticut law days is imminent and the servicer -- aware that I'm an owner of the subject property -- is refusing to offer any review that might lead to a loan modification insisting it can't ascertain if I'm truly a successor-in-interest. [ The property devised to the heirs after the XXXX of my mother XXXX XXXX in XXXX ].
Rushmore Loan Management will not allow the submission of a loan modification because it insists I'm not authorized as a successor-in-interest. I was, according to Rushmore single point-of-contact representatives, authorized for a time, but that authorization was withdrawn at about the time Rushmore -- through it's Attorney -- sought to establish law day in Connecticut Superior Court, whereby the ownership of the home would vest in the mortgagee.
Rushmore 's Attorney XXXX, affiliated with XXXX XXXX XXXX, XXXX, CT, is aware that I am a successor-in-interest but has refused to pass that information along to Rushmore. I have been a successor-in-interest and Defendant in Court cases concerning this mortgage for several years, a fact well known to XXXX XXXX.
Rushmore representatives in recent telephone conversations with me have explained alternately that more documents are necessary, and that the documents sent are in review, but that they can't speak with me except to say their decision on my successor-in-interest status is pending. [ Rushmore has copies of the deeds, a letter from the estate Executor, and a copy of my Connecticut driver 's license. Further, it has access to the XXXX file, in which my identity as owner of the subject property was long-ago established ].
I called Rushmore Friday XX/XX/XXXX and was told by loss mitigation representative, " XXXX, '' that she couldn't speak with me because I wasn't authorized but that she could give me the name of the Attorney handling the matter. After a brief pause, she told me that in fact she couldn't give me the name of the Attorney, nor could she inform me on the status of documents sent to Rushmore to substantiate that I'm an owner of the subject property because I'm unauthorized, but that I might perhaps be updated on the status of documents sent-in by emailing Rushmore.
It should be noted that XXXX, an earlier servicer on this mortgage had acknowledged a complete loss mitigation application signed by myself and the other two owners in XX/XX/XXXX [ Exhibit A ], but that during the apparent review of that application, servicing changed from XXXX to XXXX and ultimately to Rushmore, and the application was never acted upon.
Neither Rushmore nor XXXX reviewed the application on file at XXXX. Both said by telephone that they'd be conducting a review of their own with a new moss mitigation application to submitted for their review.
Rushmore, it would appear, is not interested in offering a loan modification, but is seeking -- through unclean hands -- the cash value of the home.
[ Rushmore Loan # XXXX XXXX XXXX. Property address : XXXX XXXX XXXX, XXXX, CT XXXX ].
|
| 01/27/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
Received mortgage modification packet from Rushmore Loan Management Services XXXX/XXXX/XXXX due to possible foreclosure. Returned packet XXXX/XXXX/XXXX. Was told at that time all proceedings would stop until further notice. Received a denial letter on the modification XXXX/XXXX/XXXX but to contact them for options. Contacted Rushmore XXXX/XXXX/XXXX to discuss options. Contacted a relator XXXX/XXXX/XXXX to place property up for sale. Recieved first payoff from XXXX dated XXXX/XXXX/XXXX good until XXXX/XXXX/XXXX or a daily per diem, house officially listed XXXX/XXXX/XXXX, received offer XXXX/XXXX/XXXX. Contacted Rushmore XXXX/XXXX/XXXX that property was sold. Was told at that time to stay in touch every 10 days on process and not to worry about anything. Closing was to be approx. XXXX XXXX or XXXX. Contacted Rushmore again, received second payoff dated XXXX XXXX, XXXX good through XXXX XXXX. Loan signed XXXX XXXX, XXXX, funds disbursed XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX Rushmore contacted my relator my email that amount sent was incorrect and to send more money. XXXX/XXXX/XXXX, I contacted Rushmore and at that time they stated the payoff statement sent was not correct, was n't caught by them nor the title company. Explained funds received had been disbursed, was told to bad, gave me an amount needed to be wired. Rushmore stated they would send the wire back and cancel the sale. Also on XXXX/XXXX/XXXX Rushmore contact XXXX XXXX wanted more funds, gave them a different amount to be wired. I tried to negotiate an amount with Rushmore stating the funds received had been used and Rushmore could n't of cared less, they stated to me I was the victim but they were not willing to negotiate for any amount. Emails began between Rushmore and XXXX, XXXX/XXXX/XXXX with different amounts being requested each time. At this point Rushmore was not returning any calls nor willing to take responsibility for there error. They then added additional costs that were not represented on any payoff statements. Forced placed insurance for {$500.00} which the property had insurance on it and they had copy on file and a foreclosure fee {$420.00} to which was never disclosed. XXXX sent an additional {$8800.00} to Rushmore XXXX/XXXX/XXXX by wire, then asking for confirmation of loan closed and lien released and to date have not received such confirmation. As for the force place insurance, contacted that department XXXX/XXXX/XXXX, was told error made, would refund {$500.00} directly to me and would call me with confirmation. Again nothing, call Rushmore XXXX/XXXX/XXXX was told refund sent to the loan which at this time was told : oh, sorry loan closed, we will send it to you in the mail in about a week. I now owe XXXX money due to Rushmore 's errors and bait and switch of amounts to be paid. I 've lost wages at my employment.
I do n't have the funds to pay the title company as I had other obligations that were paid from proceeds. At this point, I know Rushmore needs to accept responsibility and refund myself or the title company or both.
|
| 02/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
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My home loan was sold to Rushmore Loan Managment Services in XX/XX/XXXX with my first payment due XX/XX/XXXX. My previous mortgage company allowed me to make bi-weekly payments, which they would hold and then apply to my payment that was due the first of each month. They also applied any additional money I sent them over my payment amount to my principal. I was not aware that Rushmore didnt allow bi-weekly payments, so my first 3 months of payments were occasionally applied incorrectly. In XX/XX/XXXX, I noticed on my online mortgage account that they were showing I was a half month behind on my payments. I called Rushmore and they found 1 payment that had been applied 100 % to principal. They advised me they would reverse it and apply it to my payment amount and that I would then be caught up. I called two weeks later as I saw on my account that I was still showing behind and now I was a month behind as opposed to the half month it showed two weeks prior. Rushmore advised they would email the Cash Management department and have them review all of the payments I had made and they would call me in two days. I never received a call back so called again and went through the same conversation again. They again told me they would email the Cash Management department along with the Customer Service Manager and get back to me in two days. They still did not call me back so I called again and asked to talk to the Customer Service Manager. I went through everything with him again and he asked me to fax him my bank statements showing proof of all of my payments. I tried to fax him 10 times and the fax number he gave me didnt work. He also gave me his direct phone number and that also did not work. I mailed my bank statements with a written request for an account review, which they show they received on XX/XX/XXXX. They sent me their response on XX/XX/XXXX stating their records are correct and I am one month behind. I called them again and went through the same conversation again and asked for proof of what they did with every payment I have sent them. They told me to submit my request through their online message center and fax them my back records again and they would review the account again. I dont know what to do at this point as I have already provided them all of the proof of my payments many times since XX/XX/XXXX and they arent correcting anything. On top of all of the payment issues, they also did not pay my homeowners insurance automatically as they should have so I had to get them on the phone along with me and my insurance company so they could send them the check. Rushmore was typing up the check while we were on the phone and said the check would go out the next day. A few weeks later, I received a letter from my insurance company stating they cancelled my insurance as the premium was never paid. I called Rushmore and they admitted they never mailed the check. I had to get on the phone again with Rushmore and my insurance company so a rush payment could be sent which they finally did send this time.
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| 05/17/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My name is XXXX XXXX XXXX. I had a mortgage with XXXX XXXX XXXX XXXX ( " XXXX '' ), which was transferred to Rushmore Loan Management Services ( " Rushmore '' ) in XX/XX/XXXX. XXXX Loan # XXXX. Rushmore Loan # XXXX. Property address is XXXX XXXX XXXX, XXXX XXXX, NJ XXXX.
In late XX/XX/XXXX I fell behind on my mortgage, but knew that I would be able to catch it up in early XX/XX/XXXX. On XX/XX/XXXX, I had the funds on hand and XXXX stated that amount to reinstate, including XX/XX/XXXX 's payment, would be {$8600.00}. I sent {$9000.00} on XX/XX/XXXX, which was received XX/XX/XXXX. On XX/XX/XXXX, the check was returned, stating it was insufficient to reinstate, and the amount was now {$12000.00}. My mortgage payment per month is only {$810.00}, so this increase doesn't make any sense.
I later learned that XXXX had put homeowner 's insurance on my property, even though I was paying it directly and had provided them with proof that it was current and active.
By XX/XX/XXXX, I was able to get XXXX to accept payments, but these were listed on the account as " Unapplied '', and I was still charged late fees and penalties. Not including the " unapplied '' that should be subtracted, the past due figure on this statement was {$2400.00}.
Just after this ( XX/XX/XXXX ), the account was transferred from XXXX to Rushmore. Rushmore sent me a letter about how much total was owed on the loan, but did not have an address for where to send payments. This balance statement included a listing for " Other Charges '' for {$3600.00}, and Rushmore were never able to explain where this figure came from. They stated that the amount to reinstate the loan was now {$6500.00}. An actual billing statement was not sent until XX/XX/XXXX.
Because I had the money and didn't want to deal with it anymore, I paid Rushmore the {$6500.00} they requested on XX/XX/XXXX.
When I received the first normal monthly billing statement from Rushmore on XX/XX/XXXX, I saw that they had begun escrowing my real estate tax and that was why the number was higher. I called the local tax collector, who stated that Rushmore had already paid the first two quarters of XX/XX/XXXX taxes, which is why the arrears had increased so much.
I fell behind again on payments due to the fact that I had put other bills on hold to pay XXXX and Rushmore more than they were owed. So I again sent a check to fully reinstate on XX/XX/XXXX. This check was returned to me, with the reason marked " OTHER, CONTACT CUSTOMER SERVICE ''. I did so, and they don't know why it was returned.
In the last year and a half, I have paid XXXX {$14000.00} and Rushmore {$12000.00} for a total of {$27000.00}. This is for a mortgage that started at {$810.00} per month, and is now {$890.00}. Even disregarding how many times they have screwed up when I tried to do the right thing, and assuming the higher payment amount, I should have only paid about {$15000.00} in that time. And even with paying almost double what I should have, they say that I am behind and are threatening foreclosure.
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| 06/24/2019 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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Rushmore Loan Management, XXXX, XXXX, XXXX XXXX all violated my rights by ignoring my requests to validate the debt. I have repeatedly stated that the amount Due is incorrect. By Law I am supposed to receive an explanation of the debt of the payments received when they were applied and where they were applied. I requested it from all of the servicers and from the Law Firm XXXX XXXX XXXX XXXXXXXX. They foreclosed on my home sold it without ever validating the debt and EVERY SERVICER is guilty of Dual Tracking.
Rushmore states they did not receive a completed modification packet more than 37 days before the sale so the modification was denied. They received the first packet in XXXX and the second on XX/XX/XXXX. The sale was XX/XX/XXXX that is more than the 37 days allowed by Law.
I repeatedly requested a payoff, according to my Mortgage documents I have up until 5 days before the sale to pay off the mortgage. Rushmore and their Attorneys ignored this repeated request and mailed the payoff XX/XX/XXXX with a letter stating the payoff was good until XX/XX/XXXX. THEY MAKE NO MENTION OF THIS IN THEIR RESPONSE.
Along with all their other inaccuracies they have repeatedly stated that I filed bankruptcy and no longer owed this debt THAT IS UNTRUE I never had ANY DEBT discharged in Bankruptcy they should review their records for names and addresses on those papers.
Rushmore also states that I only made one payment on the trial modifications this is also inaccurate along with the dates they state in their letter ( which is all PROOF of how they have tried to defend what they have done with one inaccuracy after another ) had they provided the debt verification I had requested numerous times they would see that the second payments were made but they were placed in a suspense account causing the modification to be considered in default.
Rushmore also states that I provide no proof of the inaccuracies in payments when I supplied the only debt validation I have received which was a print out from XXXX showing that they received the payments and placed them in suspense took payments then made general ledger adjustments to debit the payments. Had Rushmore bothered to review any of the information they would see how many times they broke the law.
I HAVE AGAIN ENCLOSED A COPY OF THE RECORDS RECEIVED FROM XXXX REGARDING PAYMENTS AND CHARGES. How this can be perceived as no proof of payments not being applied is inconceivable. Even the Justice department could see the BLATANT misapplication of payments.
The Justice department has requested and reviewed more information than Rushmore has to investigate what occured with XXXX XXXX XXXX XXXX and Rushmore. They have questioned the suspense payments and the overpayments yet Rushmore denies them.
Rushmore is currently seeking to evict me with the proof I have of all the laws they have broken that they choose to ignore the eviction would only add more damages to a lawsuit should they not correct the mistakes they have made along with XXXX XXXX XXXX XXXX
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| 08/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX RESPONSE TO COMPLAINT XXXX XXXX on Behalf of XXXX XXXX XXXX I am attaching for you evidence of the Trustee issuing a car loan to Mrs. XXXX in XX/XX/XXXX.
When we were at the dealership it was requested the official deed to the house be provided. If you need the sales person 's name or the manager I will be happy to find out for you. I do know the manager has moved on.
So with the attached now will Rushmore Loan Management Services , LLC finally admit there is an error. Additionally, Mrs. XXXX XXXX credit report has been over XXXX with numerous bureaus for quite some time. Please keep in mind the previous letter that I submitted regarding XXXX XXXX admitting false reporting of a non existent loan number in XX/XX/XXXX. As well as your company accepting the power of attorney in XX/XX/XXXX.
It appears to me that your company doesn't know what the banks are doing as I am sure my elderly Mother is not the only victim of her immovable property being stolen. Now factor in all the findings that I sent to you and your company through CFPB of all others identifying errors. Such as XXXX XXXX XXXX, NA-Licensing Act Violation, False Credit Reporting, etc., PA Insurance Commissioner finding a PA Banking and Securities error, the fact the Judge does not have the power to assign false mortgages let alone an active mortgage as this is the role of a bank or credit union, and all have violated a Power of Attorney, a legally binding contract abusing the elderly.
Is Rushmore Loan Management Services , LLC a victim of a crime also? Is your company concerned about being knowingly or unknowingly being part of a conspiracy to steal not only Mrs. XXXX property but surely others? Do you need me to cite US Constitutional Rights?
With all of this said will someone assist me to get Mrs. XXXX XXXX property/home of 41 plus years back to her as she is a victim of a crime as many of the violations were stated by numerous attorneys. I ask you and all involved to remember your oath as a United States Citizen and banking oaths, etc. to make every effort to make Mrs. XXXX whole and to do it in a timely fashion as she is already well into her golden years at the age of XXXX.
Please feel free to reach out to me so that the matter can be resolved. As it is truly as simple as giving the current illegal homeowner their money back with 45 day notice to vacate Mrs. XXXX XXXX property and of course monetary damages for any changes and losses to Mrs. XXXX XXXX property as well as mental anguish, elder abuse a federal offense, and much more. Let 's resolve this matter once and for all. I am willing to negotiate and it might be much simpler to negotiate with me than numerous others as you and US Bank are aware of a Federal Trade Commission Act violation per Sec. 5.
This portion of this notice was emailed to Ms. XXXX XXXX of Rushmore Loan Management Services LLC on XX/XX/XXXX.
Thank you for your kind attention.
Sincerely, Thank you for your kind attention.
Sincerely, XXXX XXXX XXXX, POA XXXX XXXX XXXX XXXX
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| 02/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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On this date being XX/XX/XXXX, This letter serves as a complaint against Rushmore Loan Management Services for my property located at XXXX XXXX XXXX XXXX, New York zip code is XXXX. The complaint stems from the following : 1. Failure to Acknowledge all Documents had been Received by the Servicer 2. Failure to Appropriately Contact The Borrower for Property Inspection The Servicer forwarded a letter dated XX/XX/XXXX requesting additional documents. On XX/XX/XXXX I finalized the completion of my Loss Mitigation Application this would include providing any/all required documents and/or statements to the Servicer. According to RESPA 12 CFR 1024.41 ( b ) The Servicer must notify the borrower in less than 5 days excluding legal public holidays and Sundays that they have received the application and state whether it is complete or incomplete.
If no foreclosure sale is scheduled as of the date the Servicer receives a complete loss mitigation application, the application is considered received more than 90 days before the foreclosure sale according to RESPA 12 CFR 1024.41 ( b ) ( 3 ) On 2/25/20 I was contacted by a third party realtor who stated my mortgage company wanted them to conduct a " broker 's opinion ''. They never mentioned the Servicer 's name and considering I have received several contacts from various realtors/private investors interested in my property. I responded by disallowing the realtor access since I thought it could have been a fraud scheme. However, I was contacted by the Servicer to correspond with the realtor to take pictures of the interior of the property.
The problem is I am working out of town on business until XX/XX/XXXX, if I had received proper notification that the Servicer selected my property for an inspection I could have made other arrangements. The Servicer did not provide proper written notification regarding a timeframe in which they were seeking to have the inspection conducted.
In conclusion, In a letter dated XX/XX/XXXX, the Servicer stated the home loan is 75 days and {$740.00} in default. However, the Servicer has failed to provide any foreclosure alternatives such as Short Term Forbearance Plan and/or Repayment Plan.
I have displayed my abilities to pay the mortgage on a monthly basis. I have continued to make payments of {$350.00} although payments have decreased to {$330.00} effective XX/XX/XXXX.
I will be out of town until XX/XX/XXXX and to accelerate the inspection process the Servicer may exercise their discretion by utilizing a drive-by and property comparison analysis to support their property assessment. In addition, the Servicer has easy access to the city and/or county property records. The fact remains that I am requesting mortgage assistance for a debt that I dispute. I do not wish to have any additional inspection fees or charges allocated to my account. The Servicer has not adhered t
o RESPA laws as they pertain. The Servicer is willing to put me on an ongoing roller coaster ride and foreclosure for a small delinquent amount.
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| 09/18/2018 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Based on my discovery, XXXX XXXX, XXXX has accepted and executed an unlawful mortgage assignment from Rushmore Loan Management Services. These deceptive, fraudulent, unlawful assignments are without merit due to my understanding that XXXX XXXX XXXX XXXX ( being represented by XXXX XXXX XXXX, XXXX ) were the CURRENT unauthorized servicer 's for XXXX XXXX XXXX XXXX who in fact conducted an assignment using Rushmore without proper POA that went unrecorded and the notaries were executed fraudulently ( See Attachments ). Ref. Page1 : XXXX XXXX XXXX XXXX & Rushmore Loan Management Services, LLC conducted, organized, and transferred an unrecorded assignment with Rushmore not having POA to do so. Rushmore was not authorized to do so until XX/XX/XXXX. The original lender closed its doors XX/XX/XXXX and never authorized MERS, XXXX XXXX XXXX XXXX nor Rushmore to accept, hold nor transfer an assignment. In fact the assignment that was transferred is the first note and all of these assignments recorded and unrecorded are based off of the second note which is FRAUD. XXXX XXXX misrepresented both XXXX XXXX XXXX XXXX & Rushmore. The original lender NEVER demanded payment for the second note. The second note never was assigned it was in fact the first note that was unlawfully transferred by ALL parties. Ref Page2 : The assignment transfers were unlawfully notarized and the loan number was used for Rushmore & XXXX XXXX XXXX XXXX. XXXX XXXX unlawfully notarized documents on the behalf of Rushmore Loan Services, LLC who is no were to be found. Page3 : Rushmore unlawfully transferred its servicing rights to SLS however, Rushmore without the proper authorization transferred ownership to XXXX. From my understanding XXXX XXXX XXXX XXXX was the current owner of the fraudulent note that was transferred from MERS as grantor on my deed. Page4 : XXXX XXXX XXXX XXXX confirms ownership that was fraudulently transferred by XXXX and authorized XXXX to be its servicer. REF Page6 : XXXX XXXX XXXX XXXX and Rushmore confirms that the relationship of mortgage assignments were fraudulently conducted due to Rushmore was executing mortgage assignments BEFORE they had XXXX to do so ( See attachment Page # 1 ). I never surrendered my property. REF Page7 : Rushmore Loan Management Services, LLC unlawfully executed an unrecorded assignment informing me that XXXX XXXX, XXXX is the current owner. Confusingly, from my discovery XXXX XXXX XXXX XXXX was the owner, XXXX was the servicer and XXXX and XXXX, XXXX represented XXXX. However, due to unfair, unlawful business practices by ALL parties I am left with a " clouded deed '' with no clear understanding of how to stop these unlawful unrecorded transactions that were never authorized by the original lender. Ref Page 8 : Rushmore Loan Services, LLC deliberately mailed this document to a residence where I do not live. Rushmore tried to forward this document so I could not follow the trail of unlawful assignments. Rushmore and all affiliates are well aware of my current address.
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| 01/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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So we need help and so does a lot of other people. In XXXX our mortgage was bought out by a company named Rushmore Loan Servicing LLC. We have had nothing but issues with them ever since. It started in XXXX when I tried to make a payment. They refused payment and said that they couldnt process it yet due to them switching the service over. Tried again in XXXX and I got the same answer. I had had XXXX in XX/XX/XXXX so at that point ( XXXX ) we had started using the money for other bills because I was out of work. So this snowballed for a few months. Got put into foreclosure. Stopped that by filing bankruptcy. We were approved for a loan modification ( our payment was {$1200.00} the load mod went to {$2200.00} ) Was put on a six month trial period, which we did. We were told that after the trial period was over and we made all those payments they would adjust the loan and we would be caught up. Well that was a lie. The payment they wanted us to sign for was more than what the trial period payment was. The trial period ended XX/XX/XXXX. We made regular payments ( not the full amount but more than what our original loan payment was ) from XXXX in XXXX we started perusing to sell our house. Our realtor looked over the last statement we had and nothing added up so she called them and was informed that our house was in foreclosure and the only reason the auction went through was because the foreclosure attorney couldnt make it. We had no idea. We didnt get any paperwork with that information. We told them we didnt get any paperwork and they said that they sent it to us. They didnt. So in XXXX we applied for another loan modification sent in all the required paperwork. We would call to see what that status was of that and was told so many different things. That we were all set, we needed more paperwork etc ... we did everything and sent everything they asked but it kept changing. We had another foreclosure date set for XX/XX/XXXX and was told that our loan modification was denied a week before the foreclosure. So from XXXX they were deciding on that? You can call them 10 times and ask the same exact question and get 10 different answers. They never call back when messages are left. My realtor has called and left messages with no return phone call. We have left messages with no return calls. We filed bankruptcy again to stop Mondays ( XXXX of XXXX ) foreclosure just so we can get this house sold. But we are afraid that we will start losing offers because this company takes so long to respond if they decide to respond. Please reference Rushmore loan servicing sucks XXXX group. We arent the only ones having these issues. So so many people are going through or have gone through the same exact thing we are going through right now. Im so sorry this is so long. This isnt even everything and some of the time line may be a little off. Im at my witts end and am not sure where to go from here. We cant afford a lawyer and my husband hasnt worked since XXXX and hasnt gotten a pay check since XXXX.
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| 04/03/2018 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Older American |
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In XX/XX/XXXX, my mortgage was transferred from XXXX to Rushmore Loan Management Services. I paid my regular mortgage amount ( XXXX ) with no problem. In XX/XX/XXXX when I attempted to pay my mortgage I was told that was the incorrect amount, that my mortgage was XXXX. I disputed this amount and asked that this discrepancy be investigated. On XX/XX/XXXX, I paid the regular payment ( XXXX ) and was advised that the reason for the additional amount owed was because I had requested and received a loan modification from XXXX that INCREASED my interest rate from XXXX to XXXX! I assured them that I had not requested a loan modification, that no one requests a modification to INCREASE their interest rate, and that Rushmore must produce the paperwork because I had NOT signed any such modification agreement. Rushmore said they would continue to investigate. I began receiving past due calls from Rushmore and on XX/XX/XXXX, under threat of Rushmore beginning Foreclosure proceedings, I paid the additional {$77.00} with the request my additional funds be refunded to me when Rushmore got this straightened out.
Early XX/XX/XXXX I received an Audit letter from Rushmore dated XX/XX/XXXX acknowledging their error and saying my payment was correct at {$460.00}. They said the correction wouldn't take place until XX/XX/XXXX but if this created a hardship I should let them know. I let them know.
In XX/XX/XXXX I continued to get past due calls from Rushmore saying they had not received any payment in XX/XX/XXXX. I disputed this and provided them confirmation numbers for my payments and I requested the {$77.00} over payment be refunded to me. Because I am on a fixed income on XX/XX/XXXX, I paid my loan for the regular amount ( XXXX ) explaining to the Representative that I had a letter confirming this was correct. After she put me on hold to research this and check with her supervisor, she came back and took my XXXX payment.
The XX/XX/XXXX statement I have from Rushmore shows an amount due of XXXX showing the XXXX past due. The second page of the statement shows the two payments made in XX/XX/XXXX of XXXX and XXXX.
I just received a letter dated XX/XX/XXXX from Rushmore that is " Notice of Intent to Foreclose '' stating the my mortgage is in default due to non-payment of the XX/XX/XXXX payment and stating that my regular monthly payment is XXXX.
To cure this " default '' I must pay XXXX by certified check and that the total amount due is {$1000.00}. Failure to do so by XX/XX/XXXX will result in acceleration of the loan, foreclosure and sale of the property.
I consider this harassment at this point. I have not only paid the XX/XX/XXXX mortgage and the additional error amount which they show on their XX/XX/XXXX statement, but I have also paid the XX/XX/XXXX correct amount noting that to pay the additional error amount would create a hardship.
I continue to receive past due calls from Rushmore even though the letters and statements I have from them show my payments and correct amounts due.
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| 03/26/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Struggling to pay mortgage
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Web |
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I am a XXXX XXXX and I XXXX for the State of Oregon as a XXXX XXXX XXXX. I am not making too much money and I work very hard for every cent I have ever made since I started working. I am not making the same money I was making with my previous corporate job, but I love my XXXX XXXX with XXXX XXXX XXXX XXXX.
In the process of attempting to refinance my loan, I found out that a Home Equity Line of Credit was taken out in the amount of about {$50000.00}. The loan office asked me if I did, I said No. I told him I had applied for this back in XXXX XXXX when I refinanced with XXXX XXXX XXXXXXXX XXXX I was approved for {$55000.00} but I was later told that there is no such account. I told them I was approved, and I have the documents to prove it. I was simply dismissed.
I held on to these documents and I have over 175 pages of document for both the Refinance and the Home Equity line of Credit. I started to encounter issues with my mortgage last year and struggling to make payments because my mortgage keeps increasing. It started from {$1100.00} in XXXX and now is at {$1600.00} as of XXXX. I have inquired from all the loan servicing companies ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX RushMore ) to explain to me why a fixed rate loan payment keeps increasing and nothing made sense when they explained that it is because of taxes. And I told them that should not happen.
I have contacted all the loan servicing companies via phone and requested for the loan transfer documents. Last week, I went to the County Deed office and retrieved copies of all activities pertaining to the deed for this house. I have also contacted XXXX XXXX XXXX. Last week, I physically went there on to speak to an officer. I was there from XXXX XXXX because I was getting transferred from one place to the other. I was told that they see an account that was applied for in XXXX but not the Home Equity Line of Credit. I was also told by another person that accounts that are more than 7 years old, get purged/archived. No one in the " archived/historical accounts '' division could find this Home Equity Line of Credit. What is puzzling is that if accounts are purged every 7 days, why do they still see the Refinance account and not the HEL? These two accounts were created and approved the same day.
I have reported this to the Oregon Financial Division, and I am now reporting to your department. I am a minority and I suspect that XXXX XXXX XXXX has taken advantage of me as a woman and a minority and I hope something can be done and for someone to be held accountable for withholding {$55000.00} and then adding it back to my loan as if I took the money, when I did not!!! The account was established as a variable rate disclosable account which means I have been paying interest on this account when I did not benefit nor was ever able to utilize this line of credit.
I have documents from XXXX XXXX XXXXXXXX that speaks to the two accounts. How one exists ( existed ) and the other does not I can not fathom.
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| 09/06/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX ( RUSHMORE ) and their Trustee XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) have made repeated mistakes on my mortgage loan which it refuses to correct or investigate, issued The Reinstatement for amounts that more than what I own, eventually denied my loan modification application and continued foreclosure my property. The servicer continues to charge me late fees every month. XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX / RUSHMORE and XXXX are not respond to the Requests for Information. I am being denied an opportunity to save my home and avoid foreclosure through the Loan Modification program. RUSHMORE denied my loan modification is not based on my income or ability to pay with a balance that I do not agree with because it includes fees and charges I have tried to dispute and be faced with foreclosure against me and I may loss of my home. I 've been submited loan modification many times and RUSHMORE continued to denied it, am not able to compute mathematically, and whose balance includes fees and charges I am not being allowed to dispute or have explained to me by RUSHMORE and XXXX. XXXX XXXX XXXX XXXX XXXX/RUSHMORE denied my loan modification is not based on my income or ability to pay and be faced with foreclosure judgment and I may loss of my home. Their Single point of Contact ( SPOC ) is not working or they have many 300 files so they ca n't not have time to talk to customer nicely or respectfully for all the detail the borrower ask for. Today XXXX XXXX my SPOC told my representative XXXX that do not call him anymore and I am not a customer for service because I am in default, he complaint that my loan have late history, he can not keep talk to XXXX because he have to work on his other file. I request another SPOC because XXXX XXXX is so busy with his more than 300 files. On XX/XX/XXXX, we talk to XXXX XXXX, her extention is XXXX she told us that the Private investor is XXXX XXXX XXXX, XXXX from XX/XX/XXXX. but your respond XX/XX/XXXX you indicate XXXX XXXX XXXX XXXX XXXX is the current owner of the Note. I need to know how many investor, owner of the note?? XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX / Rushmore Loan Management Services , LLC can not continue give me the run around and continue lie to me. Take a look at all their fee and cost, the answer to all complaint just bla, bla, bla ... they do not answer direct questions, just throw all the number and want the borrower pay for their nonsense fee. Please breakdown for all your fee and cost, when you charge and why you charge, I need all invoices and bill and cancel checks you pay for these fee and cost. A lot of your nonsense fee need to void because you over charge and I do not have to pay for your attorney fee when I bring you to court or when I was in bankruptcy You violate the Senate Bill No. 900 in many ways. You charge a lot of fee and cost when I applied for the loan modification.
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| 09/10/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
Servicemember |
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I am continually having issues with my loan servicer, Rushmore Loan Mgmt Svs, but this issue is especially hard to swallow because it could have been prevented by them. They refuse to accept they made a mistake. I recd. a XXXX loan in XXXX of XXXX to pay the arrears balance and bring me current. When in the Mediation mtg., it was brought to Rushmore 's attention that I would most likely be approved for this loan and once I was notified, I would need an accurate figure to bring my acct. current. Once I was approved, XXXX notified Rushmore and Rushmore then quoted them the figure of just over {$27000.00}. The money was received as promised and to me like a XXXX mortgage. Not payable for 30 years or if I sold my home and " 0 % '' interest. The money arrived and credited to my acct. XX/XX/XXXX. My first payment being current was due XXXX XXXX, XXXX and every month thereafter. Not 2 weeks later I recd. a letter in the mail from Rushmore saying my escrow acct. was approx. {$2000.00} short and that my monthly mortgage payment would increase on XXXX XXXX, XXXX by approx. {$150.00} a month for a year or something. I have the exact figures but to tell you the truth, I was so angry that I pretty much just stopped breathing. I do n't remember much else that day. If I had a shortage in my escrow, why was n't that shortage or projected shortage included in the reinstatement figure they quoted XXXX. I had up to {$30000.00} I qualified for but I used the figure Rushmore quoted them and got the loan for just over {$27000.00}. They claim they do n't do escrow analysis 's on delinquent loans so as soon as I got current, they did the analysis and determined that would be the shortage. I know for a fact that my insurance and property taxes did not go up more than {$30.00} for the next year so where they came up with that {$2000.00} figure is beyond me and regardless, any shortage could and should have been included in the reinstatement figure, If I make a mortgage payment that includes escrow, they should have included that into their calculations. They refused to do another analysis after leading me on for 3 months and when XX/XX/XXXX came, I could not make the new mortgage payment with the increase. I pretty much lost it. I got a forensic review of my loan and found out its been securitized and I 've tried to talk to them about this but they refuse to do anything about it and continue to claim I 'm delinquent and wont reverse the additional monies they want each month. I ca n't even get into my acct. on line because they lock out all delinquent accts. I recently receive3d a letter of default at my house so now I 'm facing foreclosure and if I 'm forced out, that XXXX loan will become due and I have no way to pay that {$27000.00} off now. It 's just wrong that they can do this to people. I 'm sick of it and it needs to stop. How many complaints do you need to get on a company before they are shut down. I want to stay in my home and I want them to make this right.
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| 08/18/2021 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Subject : I am in dilemma My finance condition is completely reigned by the aggressive debt collector- Rushmore LMS and XXXX XXXX XXXX XXXX XXXX The collectors employed the attorney to continue to hinder every move to the financial predicament I am facing.
Recently, I had a buyer for the property located at XXXX XXXX XXXX XXXX that I obtained equity line of credit of about {$25000.00} from XXXX XXXX XXXX. The HELOC loan was fraudulently sold to XXXX XXXX in XXXX at the time, my chapter XXXX bankruptcy was active. In XXXX, XXXX XXXX was represented by a highly connected law firm XXXX XXXX XXXX as shown in exhibit A. The law firm easily obtained a judgment on pleading of {$42000.00} by default and ignored my bankruptcy protection and filed a writ to sell the property on sheriffs sale. Around XX/XX/XXXX, Rushmore LMS and XXXX XXXX XXXX began to call the HELOC loan, a mortgage and started creating escrow accounts, fees insurance charges, legal fees, interest and others charges added to the amount owed. Currently, Rushmore LMS demands for a payoff of about {$67000.00} and a reinstatement quotes of about {$34000.00} in XX/XX/XXXX and XX/XX/XXXX the amount was {$43000.00} and {$45000.00} both due on XX/XX/XXXX that is about {$10000.00} jump in two months. As shown on exhibit B, B2 and B3 respectively. Before XX/XX/XXXX I paid the reinstatement monthly amount due of {$11000.00} to Rushmore LMS but they rejected the payment for unknown reason. I requested for update statements since XX/XX/XXXX and no update quotes has been provided up to date because they simply want to delay settlement so that they can successfully sell my property on sheriffs sale that XXXX XXXX XXXX, the Attorney cleverly masterminded. The plan of the law firm is to enforce the judgment obtained on behalf of XXXX XXXX as in exhibit C which they currently fixed for sheriffs sale on XX/XX/XXXX. Rushmore LMS continue to aggressively multiply the balances by creating accounts and preventing my settlement offers from getting to the lender- XXXX XXXX XXXX according to Rushmore staffs, they said they are privileged to accept or reject any offer presented. The letter from Rushmore referencing the lender information was without phone and fax number to communicate with the lender as shown on exhibit D. I am completely oppressed and psychologically and emotionally drained as my financial world are being destroyed by Rushmore LMS. I cant understand how a balance of HELOC loan of about {$25000.00} in XXXX now reached a balance of {$67000.00} in XXXX. No explanation was so far given and the subject property insurance was paid by me in XXXX through XXXX.
At this time, I seriously requested for your assistance to resolve this problem before Rushmore and XXXX XXXX XXXX XXXX and the law firm completely destroy my finances and steal my property I currently spent about {$35000.00} and currently lived there as shown on exhibit E.
I hope will help!
XXXX XXXX XXXX XXXX
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| 07/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I have been impacted by Corona Virus, my company initially reduced my pay to part time in XXXX, at this time I contacted my mortgage servicer Rushmore Loan Management. I was told that we could file for a deferment the deferment had been approved via a letter dated XX/XX/XXXX to begin in XX/XX/XXXX. I was asked to call to accept or deny the deferrement, at the time we had the money in our account to make our XXXX payment so I asked the representative if she would suggest we make this payment and begin the deferment in XXXX. She said i could do that and I would just have to reject the deferment and refile the request in XXXX. Upon refiling for the deferment I was rejected by the company stating I had passed on the deferment and was non longer eligible. I called Rushmore on XX/XX/XXXX asking what this letter was about and they said I am not eligible for a deferment any longer. I had explained to the associate that this is what their previous associated instructed me to do, and she replied " nobody 's perfect ''. At this point I asked to speak with her manager. The manager said there seemed to be a glitch and I would need to reapply for the deferment through their Covid link on their website XX/XX/XXXX in order to get a future deferment. I did this on XX/XX/XXXX and did not hear back from Rushmore in the allotted two week time period for acceptance they say they will provide. I called on the XX/XX/XXXX asking what was going on with my account and the woman I spoke with replied that I had been approved and there was nothing left to do on my part, and that they would contact me about 70 days into the deferment to see if we would need to push this past the 90 days. I assumed all was ok until I received a letter dated XX/XX/XXXX as a notice of intention to foreclose. I called Rushmore immediately and asked them what was going on. They gentleman explained that the deferment had been approved but for some reason it was not processed, and that he would send a lengthy letter to the person handling my case to finalize the process. He told me to call back tomorrow and speak with someone to make sure it was done. I called yesterday XX/XX/21 and the person I spoke with did not seem to understand what was going on and could not direct me to the proper person to resolve this. He told me to give them another XXXX hours to finalize my deferment. He acknowledged that this was their error and he would have it taken care of. I am very nervous they are not handling this and I see that XXXX XXXX has many programs in place for people to defer their mortgages up to a year during the Corona Virus but this company does not know what they are doing. I asked for a point of contact he told me he could not gve me one and I would need to just keep calling back. Every time i call each person tells me something different, we have done everything according to their instruction and this has become a huge problem. We really need help ASAP!!
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| 07/19/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I have fallen behind in payments due to a loss of job and health issues. I contacted my mortgage company for assistance and was told that a modification would not work for me because I have a lower interest and modifying would only give me a higher mortgage payment. At this point I called Hud to apply for an attorney to get legal help yo file bankruptcy. During the call with the HUD counselor he advised that my mortgage company had other options to provide me with and that they can assist in other ways so that my monthly payment doesnt have to increase. The counselor calls XXXX with me on the phone and now this representative is saying something totally different. I was told to get a modification In as soon as possible. I sent the modification In and never heard back from anyone. I finally called XXXX weeks later for the status and was told I needed XXXX documents. I sent them in that day agai. XXXX weeks went by and I called to check the status and was told they closed my case because I failed to send in documents, but I have the emails and the date they were sent. So now the reason changes and they said we got them but one didnt have a signature. When I asked why I didnt get a call or letter I was told they called and couldnt leave a message due to my voicemail being full. That was a complete lie, I asked what a letter and they said they sent a letter out on the XXXX of XXXX letting me know my case was closed. They had XXXX weeks to contact me by phone or mail and their excuse was I should of followed up with them. I need to have things in writing when it comes to dealing with this company. Every representative within this company has given conflicting information to me, their is no consistency. They talk down to you they are rude and lack compassion. I literally get anxiety when I have to call. Well needless to say Im told my case is closed and I have a to start a whole new modification. This company puts on a great act but do nothing to help or reach out to you. They told my HuD counselor they would email him with info on who my investor was that never came. They still havent told me if my loan was FHA or not, I asked for info as to why my mortgage was increasing XXXX rep said it was my escrow another rep said it was my variable interest but I have yet to receive accurate answers. I have been told by the last rep that the company was selling XXXX as of XX/XX/XXXX, and that we would receive a letter, but during the last conversation with the manager advising me of the closed modification she stated that she knew nothing about XXXX selling the company and said her emails are full so its probably in there and she hasnt read it yet.. Her name was XXXX and I have this phone call recorded. This company is playing games with lives, lying, being unprofessional, pretending to help and lying about documents they received just to stop you from getting a modification and force you into foreclosure.
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| 07/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Mortgage was transferred from XXXX or XXXX to " Rushmore '' during covid deferral/forbearance. I've called and spoken to 7 or 8 representatives since over a year plus months trying to make a payment. The website provided was in process of being built and still comes to dead ends. As well, do phone attempts to speak to someone with information and facts. Early on during height of pandemic I was offered to do paperless signing of documents in virtual signing room offering terms less than ideal as interest rate and monthly payment would increase and myself the consumer not provided terms of loan exactly. Just documents to sign and increased costs to resume payments. They would not receive my payments online or by phone.
After 5th or 6th call I finally got through to a representative that seemed to be able to offer facts, a list of documents for me to prepare and FAX such as paystubs, bank statements and tax documents. Finally reaching someone from new company that was able to share plan and means for me to send or resume payment to satisfy mortgage returning a sense of stability as I never had trust or confidence in experience prior to that call.
I called today now having an extension for this person that seemed helpful with plan to update with document status and plans to FAX all listed this week, as well, contact insurance company to notify of new mortgage company Rushmore with phone number contact for direct communication. There was no option for extension and I again spoke to different representative that again like others was not receptive to listen to my reason for calling nor provide phone number to get in touch with person who gave me extension. Rather, was demanding and intrusive. Also vague, not providing anything but that the person 's name I mentioned did not work at company ; Began further demanding of personal identifiers then onto attempt to fearing me with time limits unrelated to my reason for calling. After I shared personal data I find uneccesary to provide as it did not apply to my reason for calling to update person at specific extension. She denied this person was with company and provided no other contact number.
The representatives and web links haven't gotten far and it's over a year now.
Tonight I found article about RPM whom may also be the investor for Rushmore mortgage loan. Same tactics seem to be in place as far as pressuring consumers to pay higher rates and sign on less favorable terms.
I have yet to have about any trust and confidence and am led to believe my options are minimal and grim at this point. I never signed contract or deal with this new company. I understood I could resume payments and exit deferral/forbearance.
It's my duty to report this in case it is unlawful and I'm sure I'm not the only consumer in this. One of the reps a few times back shared about others he spoke with in phone with similar and worse scenarios.
Thank you
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| 06/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Rushmore purchased my loan from XXXX XXXX a predatory lending company that was fined millions of dollars for forcing home owners into foreclosure in 2018. XXXX XXXX only had my loan for a few months because they also purchased my loan from XXXX. During the time XXXX had my loan they did not follow the Federal guidelines and denied that XXXX sent imperative documents such as a completed modification and information about my forbearance I had been placed on. I filed complaints against XXXX and XXXX and XXXX responded with all necessary documents to prove that they in fact did transfer the loan with all the documents and like magic they XXXX found it and said they would expedite the info to loss mitigation and that foreclosure proceedings would be placed on hold. with that being said I filed another complaint because I was suppose to be protected by the 60 day transfer, the forbearance and Covid relief, So I began filing complaints with CFPB, FTC, XXXX, Attorney General, I called Governor Bakers office, and found an attorney who was in the process of seeking homeowners to file a class action suit against XXXX and I joined, Between the complaints. class action and XXXX finding out about my sister social media platform which consist over a million followers they sold my loan to Rushmore. I was so relieved until I researched Rushmore and found that they were even worse than XXXX. I called and spoke to a guy in the loss mitigation department and explained that I havens received a welcome packet and he said to wait until after the! XXXX to give them some time. I was very pleased with the concern and help this gentle men offered and he assured me they would take care of me not to worry, Now it has been over 2 weeks from that date and I haven't received any paperwork, I called with a hud counselor and the rep told me that it was sent 45 days ago, how conflicting to the first person who told me to wait until after the XXXX XXXX the rep then goes on to ask me for a phone number and email and says we need an address for you to because we do not have one,,,, What you just said you sent a welcome packet out 45 days ago you don't even have a listed address. My loan was transferred on the XXXX and its 2 weeks later and I have no information at all. Now she claimed it would be mailed again but a simple email would of been easier. they are already playing games and trying to buy time to foreclose. I will not stand for these scams they play with homeowners in order to foreclose and take peoples property from them. There are guidelines and they need to follow them. This company scares me more than XXXX XXXX. I ; m going to contact the attorney and file complaints until they follow the proper guidelines, I will also seek an attorney, Im not letting theses scam artist steal my property. I want assistance and for my current situation before the transfer be honored like it is suppose to be,
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| 12/07/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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My husband and I have always paid our mortgage. Included with each payment is an amount to go towards escrow. This includes taxes and our homeowners insurance policy payments that each are paid once per year. The amount paid towards the insurance yearly is {$1300.00}, which comes from our monthly mortgage payment of {$1500.00}. Our servicer/mortgage company, Rushmore, was responsible and has been making the insurance payment for the last several years.
On XXXX XXXX, we received a notice from the insurance company, XXXX, that they would be cancelling our policy due to non-payment. I got on the phone right away with XXXX, speaking with XXXX, who then put me on a XXXX call with Rushmore, rep. XXXX ID XXXX. XXXX confirmed that Rushmore had sent the insurance payment on XXXX XXXX to a XXXX, XXXX address. XXXX stated their only address for payments was in XXXX, XXXX. He also wanted to know when they could expect the payment. XXXX said they would need to track down the XXXX XXXX payment, and then would send a new check.She said it would take a couple of days.
I called XXXX to confirm payment had been received on XXXX XXXX. No payment received and they did another XXXX call. The Rushmore rep. XXXX ID XXXX said that they still had n't found the first check, but that they would issue another XXXX and wanted to send it overnight to XXXX. I called again XXXX XXXX, but XXXX had n't received anything. Another XXXX call with Rushmore rep XXXX ID XXXX, produced the same scenario, he said they had n't found the old check, but that they would send another one right away, and needed an overnight address, which the rep from XXXX gave. I had another call on the XXXX, speaking to XXXX, and her supervisor XXXX ID XXXX, who assured another check would be sent, and still researching the old check. She again got the overnight address from XXXX. XXXX XXXX, XXXX and XXXX calls on those days produced the same results, with no check being received, but promises to send a check overnight, and asking for the overnight address. On the XXXX call, XXXX asked for me to send a no loss letter. I sent it the next day on XXXX XXXX. On XXXX XXXX call, they asked for another no loss letter, and I sent that XXXX XXXX. I called back XXXX XXXX, again no payment received, XXXX call with Rushmore, with a promise to send the payment overnight. As of today, XXXX, no payment has been received, and XXXX notified me that my insurance policy can no longer be reinstated. At this point if I want the same insurance coverage, my premium will go up from {$1300.00} to {$1400.00}. That may not seem like much, but we would n't be in this position of not having homeowner insurance or having to pay a slightly higher premium had it not been for the carelessness of our mortgage company and servicer, Rushmore Loan Mortgage Servicing. We have always paid on time, with the expectation that they would do the same for escrow items.
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| 11/18/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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I have been trying to obtain a modification from my old lender XXXX XXXX XXXX since XXXX XXXX when my loan defaulted because of past due property taxes. We believed that when he got our XXXX loan that the taxes was impounded. Once XXXX took over the loan and the 5 year statute passed for past due property taxes ; XXXX XXXX XXXX sent us a letter advising us that we was {$60000.00}. in debt for property taxes. Our payment went from {$3400.00} to {$10000.00}. We tried to ask XXXX to help us but they only tried to adjust the escrow which dropped the payments to about {$8500.00} which we still could not afford. We tried for three and a half years to get a modification with XXXX XXXX XXXX with no success. First they say we had too much income, then they said it was n't enough income. Lot 's of back and forth. Then in XXXX XXXX ; the sold the loan to US Bank, serviced by XXXX loan servicing. We have now been trying with no luck or success with them. They have denied the XXXX modification packets that was submitted in XXXX and the XXXX that was sent by our representative. We do n't know what to do and were afraid they will foreclose on our home. We tried to explain that we were part of the predatory lending from XXXX, but it appears that they do n't want to help us. Our loan is now XXXX years past due with lots of fees and costs. They are refusing to entertain any offers. They offered us a modification after they denied our request four times. Then started foreclosure proceedings on XXXX XXXX, XXXX ; right after they denied our appeal. One week after we resubmitted an appeal it was again denied and then on XXXX XXXX, XXXX they offered us a modification. The agreement was that we would have to come up with {$220000.00} in past due fees and costs. We would have a mortgage payment of {$8200.00}. We ca n't afford that. I believe they just offered us this so that we could show our inability to pay this agreed modification. No principal reduction, balance put to back of loan, no consideration for our income and expenses. I want someone to get involved because XXXX XXXX XXXX washed their hands of us and this new servicer ; is unwilling to help us. They only want to sell our house. We just want a fair offer. We asked for them if we could pay back {$100000.00} towards the default, provide us principal forgiveness in the amount of {$280000.00} ; to put the balance of our property taxes in the amount of {$24000.00} to the back of the loan and keep our payments roughly about {$5100.00}. They refused as well. We may have to file a lawsuit to stop them from selling our home. They are not following none of the guidelines that was set up in the us settlement lawsuit against the major banks. They are not trying to work with us at all. Can someone please help us with USBank and XXXX loan servicing. Time is of the essence and we are afraid that they will try to foreclose on us this month.
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| 04/27/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Struggling to pay mortgage
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Web |
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In XXXX, I obtained equity line of credit from XXXX XXXX XXXX. I was making payments until XXXX when I filed chapter XXXX bankruptcy in attempt to redeem a different property the XXXX XXXX XXXX staffs fraudulently sold. In XXXX, XXXX XXXX XXXX without notification transferred the equity line of credit with a balance of about {$25000.00} to XXXX XXXX and investor simultaneously obtained the mortgage. Still on bankruptcy, there was no monthly statement received to request for payments because of the active bankruptcy. In XXXX, my attempt to redeem the property that the XXXX XXXX XXXX staff sold. I requested for voluntary dismissal of the application. Shortly the investor/XXXX XXXX, XXXX, not in its individual capacity but solely as trustee for the XXXX Trust, Series 2016-CCT filed a foreclosure action and obtained a judgment on pleading in the amount of about {$43000.00} around XX/XX/XXXX. I communicated with XXXX XXXX to pay off the equity line amount. Suddenly, I began to receive communications from Rushmore Loan Management Service threateningly to foreclose. I offered {$3000.00} and {$40000.00} as full settlement but each offer was rejected. I applied to be considered for modification but the manager called XXXX and XXXX considered to be my contacts persons had interest to sell the property to themselves or some investors they know. I filed a complaint with the company and contacted housing counselor to help resolve the problem. The housing counselor XXXX XXXX XXXX contacted Rushmore LMS and forwarded offer for {$28000.00} because about {$12000.00} repairs has been completed in the home. I intend to take possession as soon as some other repairs are finalized. On XX/XX/XXXX, I called to request if the offer was accepted. The offer was denied and received a final postponement of sheriff sale dates to be on XX/XX/XXXX. Currently, Rushmore LMS demands for {$62000.00} as of XX/XX/XXXX. I forwarded a request for explanation of how the equity line of about {$25000.00} as at XXXX has gone that high from XXXX to 2021.No explanation was received. I want help to stop Rushmore LMS from creating accounts to increase the balances of the equity line of credit and advise the attorney representing Rushmore LMS from identifying the loan as executed mortgage dated XX/XX/XXXX. It was equity line of credit of {$25000.00} I obtained from XXXX XXXX XXXX on XX/XX/XXXX payments was made on the equity line of credit until XXXX at the time I filed XXXX XXXX XXXX Rushmore LMS and investorXXXXXXXX XXXX XXXX, not its should please accept the {$28000.00} recently offered on my behalf by housing counselor as full settlement or counteroffer. Otherwise, I demands for detailed explanations of all the charges appearing on the payoff statements that made up {$63000.00} requested as payoff as of XX/XX/XXXX, recognizing that insurance was paid by me prior to XXXX and XXXX was paid in full by me.
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| 06/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Older American |
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The mortgage is in my deceased Mothers trust ; XXXX XXXX Trust. I am one of 4 executors of the trust and have been living on the premises and making payments on the property since purchase.
Out loan was sold by XXXX XXXX XXXX to RUSHMORE LOAN MANAGEMENT SERVICES for a profit last summer ( XXXX ) and since then I have been : 1. Falsely accused of missing one whole month payment 2. Falsely charged interest and Fees 3. Subject to late Fees 4. Advised I may be subject to Foreclosure 5. Subject to increased unnecessary Stress due to not being able to contact the Mortgage Company to resolve the nightmare of their mistake.
I continued to make my monthly payments to XXXX XXXX XXXX until I received a new loan payment statement from RUSHMORE LOAN MANAGEMENT SERVICES and then started and continue to make my payments to RUSHMORE LOAN MANAGEMENT SERVICES Since I had not missed any payments In XX/XX/XXXX I noticed that a payment was missing on my RUSHMORE LOAN MANAGEMENT SERVICES statement.
Since I had not missed any payments I assumed that RUSHMORE LOAN MANAGEMENT and/or XXXX XXXX XXXX had an error in sending over my payments.
As the XXXX statement from RUSHMORE LOAN MANAGEMENT SERVICES showed the same error that I was missing a payment. I called XXXX XXXX XXXX and was told they had closed their mortgage dept. in XX/XX/XXXX. I dtried to find out who to contact and was sent in circles until I gave up.
This whole scenario is very stressful for me. I am a XXXX XXXX XXXX woman with health issues .which have been amplified due to their predatory actions and now worry about being foreclosed upon.
When I reached out to RUSHMORE LOAN MANAGEMENT SERVICES i never got to someone who could help They want me to prove that they are wrong.
I would like a forensic accountant to go through the paperwork and find the banks error. have gone through all of my statements and found every payment made.
RUSHMORE LOAN MANAGEMENT SERVICES has increased my payments a few times this past year whether or not interest rates have gone up or down. while they only increased once a year while with XXXX XXXX XXXX.
I am not the only victim in this process of selling my Mortgage from XXXX company to another for profit. I am sure there are millions of other home owners who have been victimized by XXXX XXXX XXXX or RUSHMORE LOAN MANAGEMENT SERVICES when selling their mortgages to another company for a profit. I would love to hear how they feel.
To me it feels like another shakedown happening like the shakedown in XXXX and XXXX.
I need the help of the CFPB to help me resolve this issue and find the missing payment, reverse the FALSE, MIS-LEADING and PREDICTORY FEES I am being charge.
In conclusion, I am asking for a complete forensic accounting to reverse the false interest and fees I have being charged and a call from whoever is responsible for this mess as I have proof of all payments.
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| 05/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I am trying to save my home by getting a loan modification so I can have payments that I can afford. Rushmore refuses to review my loan for a modification. I have sent in an appeal, and have still been denied. I have an appropriate amount of guaranteed income and I am just trying to save my home for me and my grandkids. Rushmore has told me that my income doesn't qualify but they are refusing to review my accurate information. I have yet to be able to speak with the person in charge of my file as they are always busy and will not call me back. Here is a detailed account of my interactions with Rushmore : XX/XX/XXXX, XXXX AM NOTE [ XXXX ] - Called Rushmore to f/u on Mod, rep said that the appeal was denied as of XXXX. Said the reason for denial was that the DTI was too high. Said account DTI was 38 % and the maximum is 38 %. Requested copy of denial via fax.
XX/XX/XXXX, XXXX PM NOTE [ n ] - Called Rushmore to f/u on Mod, rep said that it is still in review, and there is no update. Will f/u next week.
XX/XX/XXXX, XXXX PM NOTE [ n ] - Called Rushmore to f/u on appeal, rep said that it is still in review. Will f/u at the end of the week.
XX/XX/XXXX, XXXX AM NOTE [ n ] - Called Rushmore to confirm appeal was received, rep said that it was received the appeal on XX/XX/XXXX and is in review.
XX/XX/XXXX, XXXX PM NOTE [ XXXX ] - Called Rushmore to request a copy of the denial letter since we still haven't received it. Rep said she's not sure what happened since she can see my request from XXXX. She put in a new request for it to be faxed to us. Rep stated we can email XXXX with the appeal.
XX/XX/XXXX, XXXX PM NOTE [ n ] - Called Rushmore, mod is still pending review. Rep said there may have been a denial letter sent out since there is no new terms. Denial letter sen out XX/XX/XXXX. Income was insufficient, monthly is not enough to sustain a new payment. We can appeal the income within 14 days.
XX/XX/XXXX, XXXX PM NOTE [ XXXX ] - Called Rushmore to f/u on mod terms. Rep advised to call back tomorrow and hopefully they should be generated.
XX/XX/XXXX, XXXX AM NOTE [ XXXX ] - Called Rushmore to f/u on modification, rep said that it is still in review. Said it is close to wrapping up and advised to call back on Monday.
XX/XX/XXXX, XXXX AM NOTE [ XXXX ] - Called Rushmore to f/u on review, rep said that the file is in underwriting and should wrap up at the beginning of next month.
XX/XX/XXXX, XXXX AM NOTE [ XXXX ] - Called Rushmore to f/u on modification, rep said it is officially in review as of XXXX and we should have decision by the first week of XXXX.
XX/XX/XXXX, XXXX AM NOTE [ XXXX ] - Called Rushmore, The account is in review and will take up to 30 days.
XX/XX/XXXX, XXXX AM NOTE [ XXXX ] - Called Rushmore to f/u on RMA, rep said that the full packet has been received and has been pushed to underwriting. Will f/u in a few weeks.
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| 01/31/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Rushmore has intentionally obstructed the loss mitigation process for our home, has engaged in unethical and illegal foreclosure practices ( pay to play?? ) as well as denying access to mediation as required by New Jersey state law. My family has owned our home for 41 years and have attempted on multiple occasions to work out a loan modification or sale of the property. Instead of considering options and conducting a fair review Rushmore has blocked us at every turn, attempting to sell the house while still under federal bankruptcy protection and informing us that we can't be considered for any type of compromise or work-out solution unless we pay $ XXXX in cash upfront??? Rushmore along with foreclosure firm XXXX XXXX have engaged in unethical and illegal foreclosure practices and have my family facing a foreclosure sale date scheduled for XX/XX/XXXX. This was set up even though our home is still under bankruptcy protection but they have attempted to file a motion to remove stay so they can steal our property. My husband was a very successful XXXX who XXXX XXXX XXXX XXXX XXXX and we never had a problem with our mortgage until Hurricane Sandy. When we struggled financially we tried to work things out with Rushmore but my husband passed away last year and they refused to continue negotiating with us. I provided them with the legal paperwork showing I was the rightful heir and executor and that they should negotiate with me but no progress. We gave them a good faith payment of $ XXXX in hopes this would break the logjam, but we found ourselves back in the same situation -- no review of our current and correct financial circumstances and a rush to auction our property. We have some equity and have also been trying to sell the property but they won't give us time.
We took out this adjustable loan through XXXX in XXXX and then switched to XXXX. Hurricane Sandy destroyed our home and the government got involved and XXXX dropped our payments from {$8500.00} a month to {$5000.00}. In XXXX the loan transferred to Rushmore and they suddenly raised our payment to {$13000.00} a month. This corresponded with my husband 's health issues ( XXXX then XXXX ) which limited the amount of time he could XXXX XXXX -- this was exacerbated by a servicing transfer on our boat loan to XXXX XXXX. We had renewed the loan every 7 years but when XXXX took over they called the note in ( XXXX XXXX balance ) and we had to sell the boat. At that time the boat market was soft and we could not find a buyer to pay full price -- we found one who offered 75 % and XXXX XXXX said they would accept that but they wanted to use their own broker on the deal so they could double-dip. When that fell apart XXXX called the note and seized our assets and bank accounts. This began the problem with the mortgage and ultimately when my husband passed away Rushmore blocked everything.
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| 01/02/2021 |
Yes |
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- Struggling to pay mortgage
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Web |
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I have loans that were in forbearance with XXXX XXXX XXXX. At the end of forbearance I asked for an extension and State Farm informed me the loans were in the process of being transferred to Rushmore LMS and I have to talk to them. I have not had any luck with getting a live person on the phone at Rushmore. Once, I did get a person and he told me he see 's it is in forbearance. At that time I asked that his company not robo call me. I told him I need to find out if it is going to be extended and what are my repayment options. He said he would get back with me in a week ( around the beginning of XX/XX/XXXX ). I did not hear back. I did receive another robo call from them a little later than a week on ( XXXX at XXXX XXXX eastern ) I called right back at XXXX and was told the office is closed. According to the time on their paperwork they should be open until XXXX pacific. I received another call on XXXX @ XXXX eastern and when I answered no one said anything. I said hello several times and no one said anything. All the other times Rushmore would call it would be a robot telling me to call them. When I did call right back I would be told it was after hours or I could not get a person on the phone.
I was sent some documents and I filled them out and mailed them on XXXX XXXX, hoping to finally get a repayment plan since I was never informed if I was going to get an extension of my forbearance.
On XX/XX/XXXX I received a Notice of intent to foreclose ( dated XX/XX/XXXX ), stating I have to give them the entire balance by XX/XX/XXXX. I sent Rushmore an email with the documents I mailed to them. I told them they robo call me and never answer the phone, they never gave me a relationship manager or an after forbearance repayment plan. I also told them I was going to file a complaint with the Consumer Finance I received an email response on XX/XX/XXXX informing me they received my documents and they are under review and will let me know within the next 30 business days. Rushmore informed me XXXX XXXX XXXX XXXX is the current owner of the loan. All this is good but they told me I had to pay in full by XXXX. Thirty business days is to late to get a reply.
On XX/XX/XXXX, I got 2 more certified letters about foreclosure that was dated XXXX, XXXX, on 2 other properties that are in forbearance. Along with the forbearance letter I received home retention documents that were back dated to XX/XX/XXXX. One of the properties were less than 30 days late at the time of the foreclosure letter.
I have a friend who have had problems of their own with Rushmore. On time payment were being made when they were sent a letter stating they were 3 months behind. Rushmore was not applying the funds. My friend made payments current again and Rushmore refunded their funds as an escrow overage. Needless to say, they never admitted fault or corrected it on their credit.
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| 12/02/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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Quick overview : Rushmore Loan Management purchased my loan from XXXX XXXX XXXX in XXXX. My loan has never had an escrow account associated with it. Without consulting me or asking me to show proof of coverage, Rushmore Loan Management set up an escrow account in XX/XX/XXXX for Hazard insurance only. It was finally reflected on my XX/XX/XXXX statement and since then Ive spent hours on the phone, and on hold, trying to get through the bureaucracy to speak with a mid-level level mgmt. person. None of the customer service representatives seemed to be able to help. No one wanted to escalate my query. Finally, in late XX/XX/XXXX. .I found a mid-level manager who gave me the name of XXXX XXXX XXXX ( XXXX ) who is supposed to be a VP, in the collection department.
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These payments have not been entered properly to show the additional principal payments since XX/XX/XXXX, and my account is in disarray.
Despite repeated calls, and leaving voice messages, as of XX/XX/XXXX, I have not heard from XXXX XXXX.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Brief description of the issue : XX/XX/XXXX : -- - I changed insurance companies from XXXX XXXX to XXXX. My insurance agent XXXX XXXX, ( XXXX ) XXXX, had my car covered thru XXXX XXXX, and provided hazard insurance thru XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX sent the Declaration page of coverage to Rushmore. In XX/XX/XXXX.
On XX/XX/XXXX, I paid {$490.00} for the first installment. On XXXX paid them {$200.00} for the second installment of annual policy. On XX/XX/XXXX -I sent {$190.00} for the third installment.. ***See attached letter from Insurance Agent XXXX XXXX XXXX
XX/XX/XXXX -- -Rushmore Loan Mgmt XXXX sent {$1700.00} to XXXX XXXX XXXX XXXX XXXX for hazard insurance. An escrow account was created. They did not contact me ( U.S. mail, phone or electronic communication ) prior to, or request verification of a Declaration page.
XX/XX/XXXX -- -The error come to light on my XX/XX/XXXX statement. I made several calls to Rushmore Loan Mgmt. was not able to find anybody that would take responsibility. I was first transferred to the flood insurance department. There had been a one-month gap in my coverage in XXXX, which was paid for and covered by myself to Rushmore. So that eliminated that.
XX/XX/XXXX -- -I called XXXX XXXX XXXX my insurance agent and asked him to look into it. Weve been in discussion about this for several months. ***See attached letter from Insurance Agent XXXX XXXX XXXX
XX/XX/XXXX -- -On or around the end of XX/XX/XXXX finally got connected to a VP of collections named XXXX XXXX XXXX ( XXXX ) After several calls over several weeks, we both came to the agreement, that the escrow account was created in error by them. My last conversation with her was the early part of XX/XX/XXXX. She said she was going to correct all the postings on my principal curtailment
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| 03/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Rushmore loan management - my new loan servicer-is not following their own written policy with release of insurance proceeds. Rushmore has been in receipt of completed loss draft documents since XX/XX/2020. My prior servicer was set to disburse remaining insurance funds ( paid out of pocket ) the day my loan was transferred to Rushmore. Rushmore has been giving me the complete run around as to why they have not released my funds. I call every day to get status update and everyday is a new person and different story. Our supposed file manager XXXX has never once returned any messages. Rushmore has failed to honor my prior servicing agreements and disburse money being held. I had my HUD counlseor call last week to arrange a phone meeting to request information pertaining to their arbitrary and time stalling tactics. They stated on XX/XX/XXXX that my file had to be sent to the " special investor '' so they could. review my claim. They stated on XX/XX/XXXX that this special investor had up to 30 days to review documents. Nowhere is my original loan documents does it state anything about a special investor or special amounts of time, never mind my prior servicer marked as completed. I gave authorization for my HUD counselor speak to Rushmore regarding the stalling of disbursements and unfair tactics they are using and to request a meeting. It was scheduled for today XX/XX/XXXX at XXXX. On Friday XX/XX/XXXX my HUD Rep called to confirm todays meeting about disbursement and lo and behold they had no notes of meeting that was set up by HUD. On XX/XX/XXXX, my file claim status was updated and noted APROVED and FINAL DISBURSMENT however I was told today that the status was merely an approval that in fact my claim is correct and payment is due to me but that I should call back next week to see if check was mailed out.They are now stating it takes 10 days for disbursement. First it was 5 then 7-14 then 30 days now back to an additional 5. They are going round and round lying. On XX/XX/XXXX I sent in a prepaid XXXX XXXX envelope as I was told back then they would disburse my check upon receiving documentation. Rushmore is not following the set protocols outlined in the loss draft claim packet or their website. They continue causing me to endure extreme financial and emotional distress by these intentional delays. I am unable to pay my mortgage until they disburse my funds but yet they are sending me loss mitigation packages and applying late fees. Rushmore has caused my daughter to lose her spot at her college in fall due to this intentional delays and not releasing my funds. They are directly responsible for my daughter not being able to attend school in the fall. Rushmore is directly responsible for my mortgage being late. Rushmore is directly responsible for ALL OF MY LATE BILLS, They have also lied to a HUD counselor multiple times.
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| 06/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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This is a second complaint as after trying to modify my mortgage after a Covid forbearance my servicer of my mortgage, Rushmore Mortgage Servicer, has constantly been asking for the same documents over and over saying they did not receive them when I have proof they did. I resend documents AGAIN only to have the same thing happen again. This last one takes the cake! My modification has not been sent to the underwriters because they keep saying the package is incomplete. My last conversation with Rushmore they asked for a lease in which I sent to them. About 2 weeks later I called them to verify that my package was complete and they told me it was not and they did not receive the last 2 pages of lease. I told them thats IMPOSSIBLE as the lease I sent was 1 file. How could they get 6 pages and not the last 2 pages of the file. If a file is corrupted they would have no pages. The first person I spoke to was very adamant they did not receive and was of no help and insisted I resend. I did resend the lease 10 minutes later HOWEVER I decided to call Rushmore back. I spoke with a lady who was VERY helpful and actually looked into to see what may have happened. She then informed me that they indeed had received ALL 8 pages and that the person who probably entered the information neglected to select the last 2 pages. I asked her to note this on my file. She did. The reason I asked her to note this on my file was because my tenants had already received notice that I was in foreclosure. This is how these predatory companies steal your homes! They keep saying they do not have a complete package so they can not send it to underwriting. If you do not follow up in a timely manner they WILL FORECLOSE ON YOU! There are time limits in a foreclosure and if a Servicer can keep your package out of the underwriters hands who approve or disapprove a modification, you get foreclosed on. They told me several times my package was complete! The constant document misplacement along with Rushmore saying they never received docs that I had previously sent, has happened several times in the last 6-8 months! Had I not called in this last time, ( they told me on the phone the requested lease would complete my package so it could go to underwriting ), I would have been foreclosed on as according to the foreclosure paperwork sent to my tenants, I had only days left to respond. Now I have to call back in 2-3 days and MAKE SURE the underwriters are reviewing my package and that they have stopped the foreclosure while they review for modification. One last note. I sent a letter to Rushmore asking them to call me anytime if they needed documents or if changes were being made and also to keep me updated. In the last 6 months I have not received 1 call from this company. ONLY LETTERS, which tend to be delivered 10-14 days later than the date posted on the letter!
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| 06/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I XXXX XXXX Have Received a Loan from XXXX on XX/XX/2021 they have not even received the first payment yet and they automatically sold the loan to another company and my original rep will not even pick up the phone. After everyone set me up the loan was approved no one wanted to help. I was stuck and my service rep new I was stuck without a house. I had a pre approval for 3.99 % and Last Minute a week before closing escrow they told me I was not approved and charged an extra {$30000.00} and raised the interest to 4.89, They Knew I could not back out because I has already had paid a {$30000.00} contingency which is non refundable. I really wish they never gave me a preapproval. I could not sleep at night because of the way they set me up. I would talk to the Loan officer everyday so he knew me very well. The payment they showed doesnt match what they told me and emailed me on paper. I was also told that I would receive a check for all of the over payment I made and still havent. The house I purchased was for {>= $1,000,000} in reality with closing coast they charged me almost {$100000.00} For closing that is straight getting robbed I understand people need to make money but there was no honesty. I am a little bit old fashion and I trusted what the loan person told me but now im the one getting handed to from all ends. The money in escrow shows XXXX, but XXXX has can canceled and put a stop payment for XXXX and when I asked the Rushmore rep could not tell me, the question is where my money went and why is my loan much higher. I have paid for the whole year of full coverage insurance and still getting charge. In This loan Amount I has been charge twice for things that have already been paid I believe it is Rushmores fault for taking new loan they have no idea about. Rushmore rep told me to call XXXX and resolve it. In the loan the three months taxes were paid up front so the first three payments are supposed to the lower than XXXX in reality if everything was really paid up front which XXXX didnt, the first 3 months payment is XXXX. XXXX has to Put the XXXX back into escrow why are they stopping payments on what was paid and in the loan. Also XXXX which XXXX could not closes on time my reps XXXX XXXX and XXXX XXXX that they would reimburse seems like also the put on the loan. I want to see the trace of where all the money went. This Loan amount is the wrong amount they still charge me for the things I already paid for like appraisal, insurance, tax and other fees I want you guys to go over it and fix their mistakes. If Rushmore wants to take responsibility for the loan I need answers as soon as possible so I know if I need to take legal action this in not my first loan but first time dealing with two mickey mouse companies. I have already reported to the Consumer Finance Protection Bureau and ready to take a lot more steps.
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| 06/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I XXXX XXXX Have Received a Loan from XXXX on XX/XX/2021 they have not even received the first payment yet and they automatically sold the loan to another company and my original rep will not even pick up the phone. After everyone set me up the loan was approved no one wanted to help. I was stuck and my service rep new I was stuck without a house. I had a pre approval for 3.99 % and Last Minute a week before closing escrow they told me I was not approved and charged an extra {$30000.00} and raised the interest to 4.89, They Knew I could not back out because I has already had paid a {$30000.00} contingency which is non refundable. I really wish they never gave me a preapproval. I could not sleep at night because of the way they set me up. I would talk to the Loan officer everyday so he knew me very well. The payment they showed doesnt match what they told me and emailed me on paper. I was also told that I would receive a check for all of the over payment I made and still havent. The house I purchased was for {>= $1,000,000} in reality with closing coast they charged me almost {$100000.00} For closing that is straight getting robbed I understand people need to make money but there was no honesty. I am a little bit old fashion and I trusted what the loan person told me but now im the one getting handed to from all ends. The money in escrow shows XXXX, but XXXX has can canceled and put a stop payment for XXXX and when I asked the Rushmore rep could not tell me, the question is where my money went and why is my loan much higher. I have paid for the whole year of full coverage insurance and still getting charge. In This loan Amount I has been charge twice for things that have already been paid I believe it is Rushmores fault for taking new loan they have no idea about. Rushmore rep told me to call XXXX and resolve it. In the loan the three months taxes were paid up front so the first three payments are supposed to the lower than XXXX in reality if everything was really paid up front which XXXX didnt, the first 3 months payment is XXXX. XXXX has to Put the XXXX back into escrow why are they stopping payments on what was paid and in the loan. Also XXXX which XXXX could not closes on time my reps XXXX XXXX and XXXX XXXX that they would reimburse seems like also the put on the loan. I want to see the trace of where all the money went. This Loan amount is the wrong amount they still charge me for the things I already paid for like appraisal, insurance, tax and other fees I want you guys to go over it and fix their mistakes. If Rushmore wants to take responsibility for the loan I need answers as soon as possible so I know if I need to take legal action this in not my first loan but first time dealing with two mickey mouse companies. I have already reported to the Consumer Finance Protection Bureau and ready to take a lot more steps.
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| 01/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I was awarded mortgage assistance through my state due to the pandemic in XX/XX/2021. My award was transferred to my county for disbursement. On XX/XX/2021, I was contacted by Mr. XXXX XXXX who works for the Department of Human Services, XXXX County advising that he has been unable to get in touch with my mortgage servicer, Rushmore Loan Management, in reference to them signing a state required purchase order for the funds to be electronically sent to them. Mr. XXXX sent me a form, informing Rushmore that I authorized my state to perform this action on my behalf. On XX/XX/2021, XXXX XXXX advised that he still had not heard from Rushmore in reference to the payment. On XX/XX/2021, I spoke with a customer service manager who assured me the information was received, gave that person both Mr. XXXX 's fax number and my email address to forward the paperwork once complete. On XX/XX/2021 I spoke to another customer service representative who assured me that the form would be going out that day. On XX/XX/2021, Mr. XXXX reached out to me advising that the paperwork had still not been received on his end. On XX/XX/2021, Mr. XXXX and I both spoke to a representative named XXXX ' who informed us that both the paperwork and account were under review for possible denial? Again she took Mr. XXXX 's fax number and assured us someone would follow up. On XX/XX/2021, I spoke to another customer service representative who said there was no update and also no notes from our previous conversation with XXXX '. On XX/XX/2021, I called and was once again told there was no update. On XX/XX/2021 Mr. XXXX resent the paperwork via fax and email to XXXX. On XX/XX/2021 I called and spoke to 'XXXX XXXX who assured me someone would call me back by the end of the day. The callback I received was automated and no update was given. On XX/XX/2021, I called and spoke to XXXX XXXX who stated that my account was under review and I should have an answer by XX/XX/2021 BUT also advised that I call back on XX/XX/2021 for an update. The representative ended the call abruptly. On XX/XX/2021 I called and spoke to XXXX ' again who informed me that the incorrect department received my paperwork on XX/XX/2021 but assured me that the paperwork was in the correct department now. The case had been closed by the incorrect department on XX/XX/2021 and that processing would take another 3-5 business days. She informed me of my total amount due ( which by this point is almost double the amount of the award ) repeatedly but also denied that I was eligible for any additional assistance. She promised to call back on XXXX XXXX. This time I waited to see if I would receive a callback. No one reached out. I am afraid that Rushmore is deliberately holding off on this paperwork to foreclose on my home. I am a single parent and can not be homeless. I am not sure where to go from here.
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| 09/25/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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We have been set up to fail on this mortgage from the get go! I have been working with XXXX XXXX at Rushmore Loan Management to save my house and the only solutions I have gotten are loan mod trial payments that are increasing my payments instead of reducing them. A year ago I lost a $ XXXX job. I was out of work for 2 months with no income and only my wife 's {$55000.00} income. I asked for help and was told to do a short sale as Rushmore deemed I couldn't afford the house. I then got a job with a salary of {$55000.00} to match my wife 's. We get approved for a loan mod trial payment that is about the same amount as my current payment!!! ( The one that is already too high! ). Well they set up the mod trial payments to begin immediately a week after requiring me to come up with {$2000.00} down payment so immediately we are gon na run behind because they didn't calculate the extra month and give us enough time between payments. C'mon really???? That is just setting us up to fail! We did, we were never able to stay current because we started out delinquent on it. So I go get another job that pays more - {$60000.00} back at my old employer XXXX and I again petition for some relief on our payments and we get approved again. Again I had to come up with another {$2000.00} down payment and again was given only 7 days to make the 1st trial payment of get this {$2000.00}!!!!!! Again we started out delinquent on the trial plan - well now we just received the 10 day letter that the plan is being canceled because we fell behind! You started us behind and again we were set up to fail! OK we lost {$28000.00} income and now our mortgage payment gets raised another ball park $ XXXX. We are asking for a lower payment not a higher payment!!! Then I get told at least it will bring you current!! So we can default on the higher payment again. The idea is to fix it right the first time. I also was told if I can manage to pay it for 1 year on time we would be eligible for a refi. No one is gon na refi us with our credit like it is!
We offered to pay $ XXXX for the house and was told not enough. That is 25 % of our net monthly take home pay. It would be on time every month. My wife does XXXX XXXX at XXXX ( she is an XXXX ) and they offer numerous alternative mods where they balloon balances on the back end to hit an affordable payment. They also set payment structures temporarily for say 60 months at reduced payments to help people get back on their feet and save their house. We have been offered no interest rate reduction, no term extension, no payment reduction. No nothing except pay more and the payment goes up, up, and up. It is almost as if Rushmore wants us to fail so they foreclose on our home of 11 years.
We can pay and want to save our house. Please help us and please stop raising our payment so high it is un-affordable to us.
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| 03/13/2019 |
Yes |
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- Trouble during payment process
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Web |
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This loan was transferred on XX/XX/XXXX from previous lender XXXX. I received an escrow analysis dated XX/XX/XXXX, that stated the shortage amount was {$1700.00}. I started pulling documents since neither my hazard insurance or real estate insurance had gone up significantly. By doing this I learned that between my hazard insurance and real estate tax the difference from XX/XX/XXXX was a {$32.00} increase, which is significantly different than the shortage amount shows, that is {$1700.00} difference. So where did the money go? I called Rushmore since the numbers were not adding up, I finally spoke with a supervisor name XXXX, who determined when the loan was purchased from XXXX the PMI insurance was never removed and continued to be paid. XX/XX/XXXX I applied for the PMI to be removed from the loan. I received a letter from XXXX stating that as of XX/XX/XXXX the PMI insurance would be removed and the monthly payment would be lowered. XXXX, stated she had the documents stating the PMI insurance had been paid for 12 months, apparently XXXX adjusted the amount of the payment to reflect no longer having PMI, but did not ever stop paying it. When Rushmore purchased the loan PMI continued to be paid. XXXX did get the PMI removed from the account and since I have not been billed, however I have not been reimbursed for the 12 months worth of PMI taken from my escrow account. This problem was discovered in XX/XX/XXXX, initially XXXX communicated well, however I left multiple messages that were never returned and even tried to contact customer service supervisors and would be promised a call back which I never received. XXXX informed me that the incorrect payments made would have to be refunded and then would be applied to escrow if there was a overage I would be refunded. XX/XX/XXXX I called Rushmore back and spoke with supervisor XXXX XXXX, he said he would file a refund request with FHA to be reimbursed the amount of {$1400.00}. I received one follow up call with no additional information. I then received another escrow analysis that states I had a shortage of over {$1900.00}, and that my mortgage payment will go up in XX/XX/XXXX. I left XXXX several messages without reply. XX/XX/XXXX I called Rushmore once again, I spoke with supervisor named XXXX, who insisted he would look into this and return my call XX/XX/XXXX, I never received a call back. XX/XX/XXXX I called and spoke with a manager named XXXX, who promised to look into this situation and call back XX/XX/XXXX. She followed up with at least a phone call but no additional information. This is not a mistake of the customer but of the loan provider. Im demanding the money that was taken from my escrow account to be accounted for. I have gone months without contact or resolution to this problem. Please reply with written correspondence to resolve this issue.
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| 11/30/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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I am trying to fight through roadblocks put up by my mortgage lender XXXX XXXX XXXX. They took over my loan from XXXX and have consistently lost paperwork, changed account managers and failed to review my current financial information and give me access to the government and internal programs they have so that I can save my home. They recently claimed that they had reviewed my financial information but stated I was denied because my monthly income is only {$1400.00}. That is not even CLOSE to accurate. I receive pension as well as XXXX and it is over {$2000.00} per month. It seems that Rushmore is just making an excuse to foreclose as they have set a sale date for XXXX XXXX. I have lived here since XXXX and XXXX XXXX XXXXXXXX XXXX for just as long. Approximately one year ago I began having serious health issues and was forced to be hospitalized for XXXX XXXX XXXX. By the time I got out of the hospital I was behind on the mortgage, and unable to work. I have now been classified as permanently XXXX and I am on a fixed income. I have repeatedly tried to get Rushmore to engage in a fair and transparent negotiation so that I can resolve the matter of my delinquent payments but this has proven to be difficult. It is a constant runaround and paper chase and it seems that they are intentionally trying to stall so that they can foreclose on my home. I think it is wrong to mislead a US veteran who is now XXXX and try to force me out and not even give me chance to fix this situation.
I needed to take some cash out and was steered/duped into a predatory high interest rate ARM loan by XXXX. When I realized what was happening at the signing table I objected but they told me not to worry, I could always refinance into a fixed rate loan later. It wasnt long after that property values tanked because of the recession and the hope of refinancing was gone. As my payment adjusted up I struggled and tried to get XXXX to help me at that time. They did offer me a modification, but it was a temporary fix, and after a few months my payment became higher than it was BEFORE the loan modification. XXXX was difficult to deal with and it is not surprising that they were fined and sanctioned by the Department of Justice for unethical foreclosure practices. When XXXX went out of business they sold my loan to Rushmore for pennies on the dollar and I feel that Rushmore is obligated to work with me to put a plan together so that I can save my home ; I was duped by XXXX at origination and then put into a modification that they said would lower my payment but they told me it was permanent and six months later the payment was higher than it had originally been! I cant afford my payment, it is close to half of my monthly income and I am significantly underwater and need help because Rushmore is ignoring me and trying to auction off my home!
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| 02/10/2019 |
Yes |
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- Trouble during payment process
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Web |
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After recently purchasing a new home in XX/XX/XXXX, my mortgage was sold to another company sometime in XX/XX/XXXX. According to my closing documents, my first payment to the original lienholder was set for XX/XX/XXXX. I submitted the payment XX/XX/XXXX via Bill Pay at my banking institution. I'd set up for automatic bill pay for the next payment as well, due XX/XX/XXXX. This payment was drafted out of my account on XX/XX/XXXX.
On XX/XX/XXXX, I received notice from the new lienholder, RUSHMORE MORTGAGE of the change in Mortgage company 's. I never received a notice from the previous ( original ) Company, XXXX XXXX. However, the XXXX payment had already been drafted out of my account on XX/XX/XXXX.
I immediately called Rushmore to advise them and seek guidance. I was told " Not to worry, this happens all the time, you are given a grace period to resolve these issues ... '' Therefore, I did not attempt to cancel the payment with my bank. After XX/XX/XXXX, I recieved a call from Rushmore stating I was going to be marked as late for XX/XX/XXXX 's payment. I again told the representative that I'd made the payment to the prior company, XXXX and no funds had been returned to my account. The representative advised me they would launch a search into the missing payment.
I attempted to contact XXXX and was told they did not have my account and funds would be returned or forwarded to the new lienholder.
On or around XX/XX/XXXX, I received a call from the Debt Collection Department of Rushmore stating if I didn't make a payment for XX/XX/XXXX, my XXXX payment would not be accepted. I set up auto pay through XXXX 's website in XXXX, immediately after receiving the notice from them. I AGAIN told the representative what happened and that I didn't just have the funds to make payments I'd already made. She advised my to fax in my bank statements verifying payment made, I complied. She also stated if I submitted the XXXX payment it would go towards XXXX and once the investigation into XXXX was complete the funds would go towards XXXX 's payment, making the loan due XX/XX/XXXX and on time. I did as instructed.
On or around XX/XX/XXXX, I received another call from Rushmore stating I was still delinquent. I again faxed in my bank Statements from the XX/XX/XXXX and XX/XX/XXXX payments and the cashed Bill Pay checked I'd received from my bank. On XX/XX/XXXX, I received notification that a negative action was taken on my credit by Rushmore stating that I was more than 30 days late for a payment. I have not had a late payment on my credit in more than 200 payments. This negative was contradictory of what I was originally told by Rushmore and the grace period to " work these things out ''. When I made that original call, I had time to cancel the payment, however was advised not to. Please assist in any way possible.
|
| 06/06/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
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Web |
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In XX/XX/XXXX, my husband lost his job. At this time, we had a home mortgage with XXXX XXXX XXXX. We contacted them requesting a loan modification. XX/XX/XXXX, we received a letter informing us that our loan had been modified and the necessary paperwork needed to returned by XX/XX/XXXX for finalization. Our first payment would be due XX/XX/XXXX payable to XXXX. We signed the paperwork on XX/XX/XXXX, and returned it immediately. We were then sent a letter from Rushmore Loan Management dated XX/XX/XXXX, stating that our loan was transferred/sold to them and the date our loan was sold was XX/XX/XXXX. I believe this is where all the confusion started. In the meantime, we start getting letters from Rushmore stating that our loan is delinquent. A phone call was made to Rushmore explaining the loan modification. They claimed that they never received the paperwork from XXXX in regards to the modification. I faxed them the XXXX paperwork to show that we were approved by them for the loan modification. This was in XX/XX/XXXX. We made our first payment to Rushmore in XX/XX/XXXX. We continued to call Rushmore regarding the modification in which they said that all the paperwork was in Underwriting. This was in XX/XX/XXXX. I'm a little confused as to why we were told that the paperwork was in Underwriting and then told that they never received the paperwork. We continued to make our payments and still kept receiving letters and phone calls stating that our loan was delinquent and in danger of foreclosure. All our payments were considered partial payments and unapplied. On XX/XX/XXXX, we received a call from a Rushmore representative informing us that because they didn't have the original paperwork that XXXX should have sent them, she was emailing us the paperwork that I had faxed them in XX/XX/XXXX to us and we needed to resign it and send it back to her immediately, in which we did. On XX/XX/XXXX, we received a letter from Rushmore indicating that their records show payments received for each month the loan has been serviced by them and once the modification is approved, Rushmore will correct any negative credit reporting and wave any late fees assessed as necessary due to the delays.
XX/XX/XXXX, we received a letter from Rushmore letting us know that our modification was finally approved and all our payments were applied to the principal and interest. I don't know if all the fees and charges were reversed. My statements show a total of {$240.00} in fees and charges.
Because of all this mix up, our credit report is showing a 90 day late on XX/XX/XXXX and a 90 day late on XX/XX/XXXX. I've written a couple of letters and Rushmore comes back and says it's because the loan mod wasn't approved until XX/XX/XXXX. This is not our fault for all the paperwork problems. We tried very hard to get this remedied.
|
| 01/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
In XXXX of XXXX I signed a modification agreement with my previous servicer XXXX XXXX. I included the authorization to auto debit my account for the monthly payment. Due to work and a death in my family I was forced to travel extensively for the next 4 months.
In XXXX of XXXX I was notified that my house was up for foreclosure. I was not aware there was any missed payments since the modification agreement.
In early XXXX I learned that my mortgage servicer had been changed to Rushmore Loan management services. located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX My Loan # with Rushmore is XXXX.
On XX/XX/XXXX at XXXX we contacted Rushmore loan servicing. We informed them that we have a modification agreement in place with XXXX XXXX We were transferred to XXXX In " the authorized department ''. He stated if we do have a modification agreement, we should submit it because they do not have record of it. He also stated that if we indeed have the agreement, they will honor it.
On XXXX we received a copy of the modification agreement including the newly executed deed of trust, from XXXX XXXX
On XXXX we submitted a QWR and notice of error to Rushmore that include the deed and notarized modification agreement.
on XXXX we received a response that notified us that they did not have a copy of the modification agreement and were soliciting it from XXXX XXXX. ( They did have a copy we sent XXXX to them on the XXXX of XX/XX/XXXX ).
on XXXX we requested an update from Rushmore they informed us that they found a denial letter dated in XXXX of XXXX.
on XXXX we requested all evidence of denial.
on XXXX we were told we will receive a copy of the denial in the former answer To date XX/XX/XXXX we have not received the formal answer.
We do not agree that the Modification was denied.
On XX/XX/XXXX or XXXX of XXXX, XXXX XXXX spoke to XXXX XXXX, and they walked me through the signing process and explained how to get the agreement notarized. Why would they help me notarize a modification that had been previously denied. It would make absolutely no sense to do so.
Rushmore 's has not responded with in the 30 days as promised, They also are taking time that we do not have. They have a foreclosure scheduled for XX/XX/XXXX.
It behooves me to understand why they are counting on a document they claim denies the modification in XXXX of XXXX while XXXX acknowledged the modification by their help on XXXX XXXX and their recordation of the modification in their own servicing file. Rushmore should request the phone records of XXXX pertaining to this account. Once they have the accurate information they should honor the modification agreement put in place by XXXX XXXX
Rushmore needs to rescind the foreclosure sale and re-instate the modification as agreed to by XXXX XXXX
|
| 09/24/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
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I took out a home equity line of credit on my home approx. 8 years ago with XXXX XXXX. I paid it off about 7 years ago and never drew on it again. In XX/XX/XXXX XXXX XXXX advised me that I would not be able to draw after XX/XX/XXXX. I understood this communication to mean that my account was closed, since I had a XXXX balance and wasn't able to borrow anymore.
In XX/XX/XXXX I received a notice that my loan servicing was being sold to Rushmore. Since I didn't have anything to service and my account was scheduled to be cancelled in XX/XX/XXXXI took no action.
In XX/XX/XXXX, I scheduled the sale of my home for XX/XX/XXXX. On XX/XX/XXXX, my attorney sent a fax to Rushmore to request a pay-off letter. Approximately a week later my attorney called Rushmore, who told him I had to sign the fax request. I signed it and he resent it on XX/XX/XXXX
When we still did not receive the pay-off on XX/XX/XXXX, I called Rushmore and asked for the payoff. They were confused because I had a XXXX balance. I asked them to fax the pay-off to my attorney, and had to repeat the fax number 3 times because the Rushmore employee kept transposing the numbers.
On XX/XX/XXXX, I called Rushmore again. I got an employee who said this was the first communication they had received according to their system. I told them they need to do a better job of updating their system. I asked to speak to a supervisor, and spoke to XXXX. I begged him to get the payoff out to my attorney so that money would not be escrowed at closing. He told me I needed to pay {$70.00} to issue a release. I paid it via credit card that day.
On XX/XX/XXXX, my home sale closed, and we had no word from Rushmore. Due to the HELOC lien, in order to close we needed to leave $ XXXX in escrow ( for a XXXX balance loan ).
The following week, my attorney contacted Rushmore, and now they told him they faxed the pay-off to the wrong fax number ( fax number still transposed ) and they couldn't deal with him because they had to speak directly to the borrowers. My attorney then received a letter advising that the status of the loan is XXXX, which is not a pay-off letter. So I am still unable to get my money out of escrow.
On XX/XX/XXXX, I called Rushmore to see what was going on. I spoke to a supervisor named XXXX who told me that Rushmore has 30 days to issue the release according to XXXX XXXX, Illinois, so I can expect my release on XX/XX/XXXX ( which is not 30 days from my first request, or from the date I paid for the release. ) Due to XX/XX/XXXX sale of my XXXX balance loan which they had advised me they were closing, and Rushmore 's incompetence, I was required to pay a {$160.00} escrow fee as well as experience the escrow of over {$30000.00} despite not owing any money on this loan for many years.
|
| 02/18/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
In XXXX my husband was laid off after 33 years. in order to collect a pension he was precluded from getting a job per the company 's contract.I paid a lawyer for a loan mod because my income alone would not cover our mtg. We were given a mod.by the servicer XXXX The modification payment was more than {$3000.00} that was XXXX. I was doing fine with my self employment business and paying our mtg. up until XXXX. I fell behind on the mtg. because I lost my business due to the crisis. The landlord filed a judgement for failure to pay rent for my defunct business. during my modification XXXX had bought the servicing rights. XXXX, the mortgagor at the time agreed to allow us to sale our family home in writing. XXXX decided not to work with us any longer because there was a XXXX and an IRS lien on the property in which was being worked out but they would n't wait. XXXX XXXX XXXX filed a NOD. We hired an attorney to help with this NOD and the attorney advised us to file a bankruptcy. The attorney that helped us was a scam he took {$400000.00} from us and he ended up loosing his license and no longer can practice law thus putting us in jeopardy. while all this was going on the servicing rights were sold to Rushmore. Rushmore has given us written approval to sell the property our bankruptcy is now discharged, However, today XXXX XXXX XXXX My agent received an email saying the have decided to foreclose. According to SB XXXX no bank that took TARP money can duel track.Rushmore 's email to my agents states that they are going to start the foreclosure process while we are in an approved short sale. Rushmore has changed the amount they want 2 times in 4 mo. The buyer has agreed to pay what they want and instead of giving us a 30 day approval based on the new purchase price, which is a change of circumstance, they gave an 11 day approval. We are almost ready to close but because we asked for a normal approval for 30 days based on Rushmore changing the purchase price they refused to give us XXXX. we are currently approved by Rushmore until the XXXX of XXXX XXXX, however, XXXX of the liens still need to be cleared. We are asking you to step in and stop the duel tracking from Rushmore and allow us a normal 30 days to close. Rushmore has been given a conditional approval by the buyer 's lender which proves the buyer is approved to purchase. with the price increase Rushmore has imposed, the buyer must be given ample time to get the new approval from their lender. we need ample time to get that. 5 days should be enough time. The hud is attached that shows the XXXX purchase price. Rushmore increased the price so much in that they forced out the relocation money they were to pay the sellers from the TARP money they have received. They 're crooks.
Please help us
|
| 02/10/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I am attempting to negotiate a restructured or modified mortgage loan with my lender Rushmore Loan Management Services. Despite repeated calls to their loss mitigation department, it is impossible to get a human being on the phone to speak with me and no one returns my messages. I have not been assigned a designated point of contact, and they have moved forward with setting a sale date for my property. Rushmore recently sent out a denial letter, based apparently on documents I had sent in months earlier. They stated that I was denied for help due to lack of income, but the figures they were using were not current or correct. But it is impossible to speak with anyone about this so they just move forward with the foreclosure.
I bought this home in 2008 with a conventional first mortgage through XXXX XXXX and a 2nd mortgage through XXXX with a 10 % down payment. About a year after buying the home problems began as I went through a divorce which hit me hard in the pocketbook due to child support for XXXX kids and legal costs.. A year later I got injured on the job ( I worked as an XXXX ) and ended up having to file through workers compensation in order to collect XXXX. Due to this interruption of income and lack of any reserves I eventually could not keep up and missed some payments on the loan. I began trying to resolve this matter with the original servicers, XXXX and XXXX a few years ago, but it literally took over a year to make any progress with them. They offered me a forbearance agreement that gave me a XXXX5 month break from payments. But then I had to go into applying for a modification through HAMP and this was time consuming and difficult. Eventually I was offered a streamline modification, but instead of offering payment relief this actually RAISED my monthly payment. I appreciated the fact that I had been offered help and did my best to make that monthly payment, but after a few months I defaulted.
I am in the process of getting my XXXX reinstated in the state of California, and once I am able to go back to work full time doing this I will be back on my feet. To supplement my income I have rented out rooms in my home and have worked as a XXXX and also still receive my XXXX. I expect to be back working as an XXXX within the next year but am concerned that by that time Rushmore will have already foreclosed on my home. I want to save my home, and I expect for my loan servicer to communicate with me. I also have major concerns about the amount of late fees, Attorney fees , drive by inspection fees etc. It seems like Rushmore is charging me duplicate fees on the same day in many instances and I believe they may be taking advantage of me by piling all of this on so that they can write it off as a loss when they foreclose.
|
| 02/04/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
This is a declaration of notice of trespass upon private property and unalienable rights. These individuals have cause extraordinary inconveniences and emotional distress and financial difficulties. We have been threaten with cruel and unusual punishment by these individuals in their privacy capacity against i the living man. Our property has been wrongly label as a commercial property. These individuals have no standing too even bring such claims. We demand remedy immediately. The county record is self explanatory of our sole ownership and control of said property which is held in a private trust not within the us. We have given these tresspasser of law many chances in good faith to avoid ligation and provide remedy. In good faith we have provided communications over the last 3 years which we have been victims of fraudulent conduct and malicious intent. Thank you in advance for your time and energy we will assume you will obey the law and uphold your obligations and duties Name : XXXX XXXX On behalf of Company : Rushmore Loan Management Services LLC.
Fax Number : XXXX Date : XX/XX/2019 # of Pages : 8 ( including cover sheet ) FROM : Name : XXXX, XXXX XXXX.
Contact Address : XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX ] Subject : DEFAULT JUDGEMENT URGENT : STOLEN FORGED DOCUMENT Message : Please see the attached documents. A copy of this documentation has been sent via registered mail ( Tracking No. XXXX ) with return receipt requested. A copy was also sent to XXXX XXXXXXXX XXXX XXXX XXXX by registered mail XXXX XXXX No. XXXX ) with return receipt requested. This communication is being sent via fax as a courtesy to ensure prompt delivery.
A release of lien and a reconveyance to XXXX, XXXX XXXX as holder in due course is required by law for the property. Please forward this communication to XXXX XXXXXXXX XXXX XXXXXXXX as they are required to provide the form for reconveyance Provide the certificate or the equivalent of the release of fraudulent lien immediately by mail to XXXX XXXX XXXX XXXX, XXXX MA XXXX XXXX ] within 30 days. Failure to comply will result in criminal charges, complicity to fraud and liability for damages under state, federal, and international law.
CC : Consumer Financial Protection Bureau CC : ATTN : XXXX XXXX XXXX XXXX XXXX
Fax Number : XXXX Fax Number : XXXX Ref ID # XXXX File # XXXX THAT the REQUEST FOR DEBT VALIDATION was re sent via certified mail on XX/XX/2019 ( cert mail # XXXX, return receipt # XXXX ), and a NOTICE OF ADVERSE CLAIM was sent XX/XX/2019 ( cert mail # XXXX, return receipt # XXXX ). Finally, a NOTICE OF DEFAULT was sent XX/XX/2019 to Rushmore Loan Servicing LLC ( cert mail # XXXX, return receipt # XXXX ) and to XXXXXXXX XXXX XXXX XXXX ( cert mail # XXXX, return receipt # XXXX ).
|
| 05/20/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Rushmore Loan ( servicer ) and XXXX ( alleged Investor ) claiming to somehow have a vested interest in my property located at XXXX XXXX XXXX, XXXX NY XXXX. Have entered and illegal sale date on my property for XX/XX/2018.
Under The Federal Housing Act, all loans are covered by mortgage insurance. My property was insured, the insurance premiums were paid, and yet I have been defrauded. There has been an active engagement in constructive fraud by the mortgage insurance company and the financial institution against myself as a consumer.
I am requesting information : *On how mortgage insurance paid out?
*When the claim was made?
*and who got the monies?
The consumer protection laws are there to assist individuals such as myself when are harmed as a result of unscrupulous activities.
The mortgage on my loan was not on my home, the mortgage was on the loan. The lien was on the home! I believe based on the aforementioned laws that the financial institutions have been duly compensated, in fact our agreement was that the home was not a collateral for a loan i.e. I use the loan to acquired a home, and until I acquired the home, the home was not mine for me collateralize, meaning that I could never place something I do not have the ownership as collateral. The mortgage-back security agreement permitted and /or allowed financial institutions to trade my property on the market in lieu of payment for the loan, because the stock market investments are construed as a risk, I agree to allow my home to be used as collateral in place should the financial institution did not receive the benefits of such transaction on the market. I forwarded my interest that was due to me as a result of my being a trust interest holder and an investor on that mortgage-backed security, so that those receipts would be applied to the balance of the account, this did not happened.
I also have been giving information that the financial institution has received tax credits and other benefits as a result of charging off the account, yet those credits and or adjustments have not been applied to the account as is cognizable under Gen. accounting procedure. The failure on the part of the financial institution and or the securitization trustee to keep accurate accounting has resulted in in my being harmed, and I hereby protest such actions and interactions as a result of it being a violation my due process rights.
The financial institution was asked to give a complete comprehensive accounting. Staments as proof there was some exchange form of value proving this financial institution are the owners of due cause, and their proof of tax registration certificate. I am by law entitled to a complete comprehensive accounting, and all of the others requested documents.
|
| 09/03/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have owned my home for several years and fell behind on my mortgage due to a reduction in my monthly income. My home is underwater as many people 's homes are in this market, the only option I have to save my home is through the making home affordable program. I have applied for several modifications with my mortgage servicer and have received several denials. The denials are based off a negative NPV, which is a very vague decision. I make monthly income and could very much afford a payment for my home. The investor on my loan seems to fluctuate my value based off of the internet, they have never seen the inside of my home but value it at the top of the market, like a remodeled home instead of the true value. This fluctuation in my homes ' value is the major reason why the decision on my modification is always no. My loan was also recently acquired by an investor and was service released to Rushmore to foreclose. My only option left today to avoid foreclosure is to short sale. I was told by my servicer that if I would find them a good offer that they would work with me and not foreclose. I listed my home with a realtor and have received several offers for my home, an as-is offer at fair market value was accepted by me to submit for short sale approval. This offer was denied by my investor and the buyers increase was also later denied- we are within XXXX of the investors net today and they refuse to do an interior appraisal which would help close this gap in value. The buyers have decided to conduct an inspection of my home with their contractor and termite company, these reports will be submitted to Rushmore for consideration of a value dispute- the only problem is this investor does not entertain value disputes per my servicer. My home needs repair and this is why the offer is at this amount. This is not a low ball offer as it is within XXXX of the remodeled home that sold directly across the street. How can they not entertain pertinent information like this?! Given the situation that I find myself in I would be in a better place if I can have Rushmore work with me on a short sale, they promised they would and I have spent the last month preparing and helping with selling my home when Rushmore would rather foreclose. I fear that I will be kicked out on the street by my servicer, all of my attempts to work with them are futile and to make matters worse I often feel antagonized by the person assigned to my file. I am going through a rough patch in my life, I would appreciate being treated like a human being, I have held my end of the agreement to short sale, part of working with someone is to have the information I send in considered not hastily disregarded as insufficient-within 5 minutes of sending it. Sincerely
|
| 05/09/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I received a call from the home retention coordinator for Rushmore Loan Management Co. on XXXX/XXXX/2016. She called to inform me that Rushmore had declined to accept the offer for a short sale on my property which is scheduled for foreclosure on XXXX/XXXX/2016. This was the second offer on the property that she declined. She said the XXXX offer was too low and gave my realtor, the figure that the 'investors ' would accept. A XXXX offer for the amount that she stated was acceptable was then submitted, and after reviewing the XXXX offer, the home retention coordinator contacted me via phone to inform me that the offer was rejected and the company would proceed with the foreclosure ( which is scheduled in 9 days ). She then offered, for the second time a deed in lieu, which she advised me to accept. This was the second time she had offered me the option of a deed in lieu. The time the offer was made was on XXXX XXXX via a letter sent to my home which was delivered by XXXX. The original offer for the deed in lieu included a {$3500.00} relocation clause. At that time, I told her that I had a short sale buyer for the house. The home retention coordinator proceeded to order an appraisal. In the meantime, my realtor submitted the sales contract to the home retention coordinator. She declined the initial offer stating that the appraisal came in above the short sale offer. After speaking with the home retention coordinator about the original offer, the realtor went back to the buyer and informed them that the offer was not accepted and the buyer resubmitted an offer for the appraisal amount that XXXX XXXX requested. When the home retention coordinator phoned me today ( XXXX/XXXX/2016 ) to state that the second offer had been rejected, I asked her why and she said because " the investor just does n't want to accept the offer. '' She then offered me the option of the deed in lieu for the second time, but this time, the offer was reduced by {$500.00}. When I asked her why the original offer was reduced -- especially after I made a good faith effort to sell the house, she said because I had run out of time and since the foreclosure was in 9 days, {$500.00} dollars of the initial DIL offer had been taken off the table. This conversation upset me and I told her as much and she proceeded to speak to me in a patronizing and belittling tone and said that I could either accept the offer or the house would go into foreclosure and that she would not talk to me about the matter any further. I felt that the home retention coordinator was threatening me and bullying me into taking a deal that might not be in my best interest and treating me as though I had no recourse except to accept her unprofessional treatment and tone towards me.
|
| 04/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I received a payoff statement from Rushmore LMS dated XX/XX/2021 in the amount of {$90000.00}, which was good through XX/XX/2021, with a charge of {$13.00} every day thereafter. I closed on XX/XX/2021 and the buyer closed and paid off the loan on XX/XX/2021 using the payoff statement that was provided by Rushmore dated XX/XX/2021.
On XX/XX/2021, the loan was credited by Rushmore as paid in full. Late in the afternoon on Friday, XX/XX/2021, I received a call from the Title company stating Rushmore returned the payoff without explanation. ( Mind you this is 10 days after Rushmore received the payoff. ) I contacted Rushmore and was told the funds were returned because it was {$760.00} short. Rushmore said the shortage was for a foreclosure attorney. They also said it was added 7 days after I received the payoff statement dated XX/XX/2021. The house was never in foreclosure. When I called to ask for the payoff amount the Customer Service Rep stated the property was not in foreclosure so she can request the payoff. No one informed me of extra money being due before, or after closing. ( Until 10 days after and I was informed by the Title company not Rushmore ) Late in the afternoon on XX/XX/2021 I sent the title company an extra {$810.00} to resubmit the payment. Of course, since we were informed late in the day, on a Friday, they were not able to resubmit the payoff until Monday XX/XX/2021. I sent extra just in case they were going to charge me extra interest for the weekend. The payment sent was now for {$91000.00}.
On XX/XX/2021 I contacted Rushmore to ensure the payment was received and the settlement was finalized. I was informed of a new payoff amount of {$92000.00}. Now they wanted {$360.00}. XXXX more. No one could tell me why. My case was escalated and I was to receive a call back by a manager. By the end of the day, XX/XX/2021, I hadn't received a call back so I called and was told I was on the call back list and maybe they meant they would call back within XXXX hours. I called back on Friday XX/XX/2021 and was told I was still on the call back list. I called back on the XXXX and XXXX and was still told the same thing. On XX/XX/2021 I wired the extra {$360.00}, this cost me {$25.00} to wire. I never received a call from a manager and they marked the loan as paid in full. On XX/XX/2021 I received at letter dated XX/XX/2021 ( which is the date I was supposed to receive a call back XXXX, stating Rushmore is selling the loan to another mortgage agency.
I also noticed I was charged late fees of {$140.00}. The loan was in forbearance therefore no late fees should have been charged.
I want the total of {$1300.00} returned to me. This included the {$810.00}, {$360.00}, {$25.00} wire fee and {$140.00} fees.
|
| 02/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
We fell behind on our mortgage due to XXXX hitting my family. During this time neither myself nor my husband could work due to the illness and it's exposure. I called our mortgage company about receiving assistance through the Care Act. I was told by the agent that I was able to apply over the phone. So that's what we did. She took my information and said I was approved. Everything was explained to me about the assistance, how we could pay off, what we owe etc. I even have the agent 's name and ID number. So being told I could do this, I made the first {$500.00} payment on XX/XX/XXXX. Then a couple weeks later on XX/XX/XXXX, I called to make the second {$500.00} payment. Both payments were taken out of our bank account. So I'm thinking everything is fine with our repayment plan until I get a letter this other day stating that we have to pay {$2200.00} by XX/XX/XXXX or theyre going to start the foreclosure process. We've lived in this house for over 20 years. Also, they've not kept any records of my communications with them setting up this repayment plan yet I have one of the agents name and their agent number. They havent even wondered how I got that. Since theyre claiming to have no record of me communicating with them previously it looks like we were ignoring this situation when we weren't. Now because I was given misinformation on how to receive help, it could potentially lead to us losing our home. We didn't just up and decide to not pay the mortgage because we didn't feel like it. A potentially fatal virus made it's way into our home. This kept us out of work for a long time. That's why we fell so far behind. So when I called them for help I truly believed I received it. They happily took my {$1000.00} dollars, yet deny any communication in regards to helping me save my home. Now Ive been told we have to fill out this 26 page application to just start a process that I was specifically told had already begun. I now call them daily to verify that my communications with them the day before have been recorded. I don't trust them. The only thing I trust is I need to come up with over {$22000.00} dollars by XXXX XXXX because that's on paper. I have 26 pages of information they want filled out immediately and faxed to them even though I'm in the middle of a state of emergency due to a snowstorm. The lady asked when I could do it. I don't know! When it's safe to leave the house! I feel decieved and scammed. We're looking into tapping into my husband 's retirement account while I fill out this 26 page application. When it comes to falling behind due to a potentially fatal virus we own that but when it comes to turning for help to a company we trusted who would but lied to us that's Rushmore 's responsibility.
|
| 09/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
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This is a complaint for making false statements in regards to my complaint through CFPB ( A FEDRAL AGENCY ).
1. You claim the picture that was sent to you on this complaint was not visible which is false. It is so false that the USPS read it so clearly they gave me another proof of delivery showing that they delivered my correspondence ( payments ) to your XXXX XXXX XXXX not XXXX as you falsely claim ( see proof of delivery ). So you are either claiming me and or USPS ( a FEDRAL AGENCY ) making false claims or YOU are making false claims which is a federal offence.
2. You claim the correspondence ( payments with 2 checks ) I sent to you XX/XX/2021 ( XXXX ) was magically received on ( according to you and Rushmore Loan Management ) on XXXX XXXX ( with no evidence ). Again another false claim since the proof of delivery proves that this correspondence was delivered on XX/XX/2021 at XXXX XXXX. at your XXXX XXXX XXXX signed by whoever you have there. So you are either claiming me and or USPS ( A FEDERAL AGENCY ) making false claims or you and or Rushmore Loan Mgt. are making false claims which is a federal offence.
3. You claim to have received only one check # XXXX and not two checks through this correspondence? Again this is a false claim since picture taken at Post Office in day of ( XX/XX/2021 ) correspondence being mailed ( XXXX ) to Rushmore Loan Management clearly shows 2 checks # XXXX and # XXXX with full amount payments.
4. Regarding your claim that XXXX XXXX ( who supposedly signed for this correspondence ) does not work at your lock box, lets just say since you have made so many false claims lets assume this is another false claim of someone signing a wrong name or you making another false claim they do not work there frankly it does not matter since all evidence proves that this correspondence was delivered to Rushmore Loan Management at XXXX XXXX XXXX at XXXX XXXX on XX/XX/2021 and signed by someone at this address through USPS with proof of delivery.
5. Since you have lost my check and or someone stole my check from your address I have put a stop check on check number # XXXX for the amount of {$280.00}. XXXX therefor you RUSHMORE LOAN MANAGEMENT must pay this amount of {$15.00} to cover this stop payment.
6. Also you sent a letter claiming you ( Rushmore Loan Management ) would not be adding any late fees since I had proof that I had sent you payment on time and to your address signed by someone there yet you continue to send me statements with late fees ( XXXX and XX/XX/2021 ). You must correct this immediately and send me correct statements with no late fees and you better have not given any false information to credit bureaus.
I will await for this amount as soon as possible.
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| 08/01/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Our mortgage was sold to Rushmore Loan Management effective XX/XX/2018. We were notified of this well in advance to pay Rushmore on the effective date. We set them up as a new bill on Bill Payer through our bank and made our first payment on the due date of XX/XX/18. With no problem of making the first payment, we scheduled our XXXX and XXXX payments in the same manner. Our XXXX payment was made through Bill Payer on XX/XX/18 and our XXXX payment was made on XX/XX/18. At the end of XXXX, after we had already made XXXX 's payment, we received a statement from Rushmore showing that we owed 2 months of payments ( XXXX & XXXXy ). I called Rushmore as soon as I received the statement and gave them all of the information for both XXXX and XXXX 's payments to include the confirmation numbers that Bill Payer provides. My husband and I have talked to Rushmore no less than 1 time every week to try to resolve this issue but have had no such luck. We have 3 way called them with our bank and Bill Payer several times and none of the representatives we have talked to have been able to do anything other than take a payment over the phone. Bill payer has faxed them over proof of payments, my bank has faxed them over proof of payment but again to no avail. We call 2 days after the faxes are sent and the representative tells us that they never received the paperwork. When we call, we are told that the information needs to go to the Texas office and then when we call back to follow up, they tell us that it should've been sent to the California office. Since all of this has been happening, I put together a packet of proofs of payments, copies of their statements, copies of the notes where we have talked to each representative as well as our bank statements for XXXX, XXXX and XXXX. I was smart enough to mail this packet via certified mail so I know they received it 2 weeks ago. They still can't find our payments! We have asked multiple times to speak to a supervisor or manager and are told that none are available. I finally was able to get put into a managers voicemail but after 3 weeks I have yet to get a return phone call. We have also received foreclosure paperwork ( more how to avoid foreclosure ) and tried to get in contact with the person listed on that paperwork also. Again, I called and left a voicemail and after 2 weeks have yet to receive a return phone call. I don't know what else to do and I refuse to continue to give them money when they lose it. We have placed our XXXX payment into a separate account to secure the funds so when this matter is resolved we can make any and all necessary payments.
Please help since the mortgage company does not want to.
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| 10/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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My name is XXXX XXXX and this is my second complaint against my loan servicer, Rushmore Loan Management. In the complaint I filed a few months ago, I described how Rushmore was violating my California Home Owner Bill of Rights, or HOBOR, and they still are. My rights have been violated in a number of ways, including Rushmore engaging in dual tracking while I attempt to have my loan modified, no communication with my single point of contact, XXXX XXXX, and a faulty and illegal loan modification appeal process that I am currently engaged in with Rushmore. Additionally, Rushmore managers have recently lied to me, telling me that a Rushmore manager by the name of " XXXX XXXX '' had spoken to me on XXXX, telling me that I had filed an " invalid '' appeal. I had no such contact with this person, this is a lie. Rushmore made this episode up to strengthen their attempt to sell my property on XXXX, even though by law, the sale date should have been automatically postponed due to the fact that I filed a valid appeal on XXXX, after my recent loan modification proposal was declined by Rushmore. I reached out to Rushmore the week of the XXXX in an attempt to speak to XXXX or another manager concerning my appeal and why the company was not postponing the scheduled XXXX sale. To date, there has been no communication with XXXX, the only other communication with management was with the manager who lied to me about XXXX speaking with me about the appeal filed. The only reason the property was not sold on XXXX, is because I reached out to Rushmore 's attorney XXXX XXXX , who interceded on my behalf and postponed the sale. And the fact that there is a new sale date of XXXX is illegal because I am supposedly in an appeal status with Rushmore and no new sale date should be set unless my appeal is turned down. Rushmore setting a new sale date gives the appearance of management already having decided to decline my appeal, without fairly reviewing new facts that I have presented them with. What Rushmore is doing by setting the new date so soon is grossly unfair and illegal. As mentioned in my first complaint, I would greatly appreciate having the opportunity to speak with a CFPB investigator about this matter. Simply forwarding my complaint to Rushmore and allowing them to deny the facts that I have presented here is not good enough. This is an out of control company that has trampled upon the rights of countless homeowners across the country and it needs to be held accountable for its actions. Please, have an investigator reach out to me about this matter as soon possible. Thank you very much for your time and consideration in this matter.
Sincerely, XXXX XXXX
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| 05/25/2022 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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I would like to file a complaint against Rushmore LLC. I believe Rushmore LLC did not follow our government instruction/regulations on VA loan modification for the following reason.
Rushmore is my VA lender of XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I am solo on this loan.
1 ) Rushmore LLC illegally modified my VA loan with XXXX XXXX XXXX XXXX. She was not on my VA existing Mortgage loan.
I am solo on this VA loan and This VA loan is only for Veteran and XXXX XXXX. XXXX XXXX XXXX XXXX is not an XXXX XXXX and she is not a veteran. We are not married.
3 ) this is my solo VA loan. It is mine. it is not hers. How in the world Rushmore is allowed to modify my solo VA loan with XXXX XXXX XXXX XXXX?
4 ) Rushmore cancelled my property/house insurance without my permission. Accident is unforeseen event.
That is why we are required to have house insurance in order to get loan approved. When I asked them, they ignored me.
XXXX ) On XX/XX/2022 I was informed XXXX XXXX XXXX closed on a mortgage. My VA loan would be paid off on that same day. I also was informed that XXXX had provided all of the payoff information that XXXX XXXX XXXX needed. There was no required my present in person at closing office. Therefore, I did not show up.
5 ) However, On XXXX XXXX XXXX I was informed that my VA loan on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have not paid off as promised. about a week prior to closing date, The closing title agent, XXXX XXXX called me. He introduced himself that he is a title agent. Then he briefed to me that all he needed from me was my Quit claim Deed. So I did the Quit claim Deed then my divorce attorney sent it as demanded on the closing date XX/XX/2022.
So how in the world my VA mortgage loan is not paid off and I am still responsible for it????
In Summary, due to Rushmore did not provide customers service at the minim answer the client emails. they ignored my emails and voicemails as a result they indirectly put me into deeper financial hardship. For instance, I had no choice and hired a mortgage lawyer to get the answers from Rushmore LLC. I hired XXXX XXXX XXXX because he introduced himself as he is owner of 2 law firms. One locates in NY and one locates in XXXX XXXX, FL. He promised that his company would find out the answers. but It costed me {$2000.00} per month.
See!!!! if Rushmore services properly worked with me as adverted on their website. I would not have to pay XXXX XXXX XXXX {$2000.00} per month to get the answers. Due to my VA loan was not paid off as promised, I could not get approval for any loan. I did not meet debt radio. I ended up in deeper financial harder ship. Lawyer feed added into my plate.
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| 06/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Rushmore Loan Management Services LLC reported me more than 30 days delinquent when I was in COVID related forbearance several months ago. I have tried for months to resolve this with them. I submitted copies of the credit report, as they keep saying they need that to do further review. Finally a customer service representative did a full review of everything in my file, and sent the letter showing my forbearance to the credit dispute division. Then I received an electronic copy of a letter in my Rushmore login on XX/XX/XXXX saying a correction was sent to the credit reporting bureaus and to allow 30-45 days for correction to go through on my credit report. I got an alert on XX/XX/XXXX from one of the credit reports I monitor, saying there was a change to my credit sector. I logged in, and it said on XX/XX/XXXX my account with Rushmore was updated to current. However the 30 days delinquent mark is still there in the report. It needs to be removed, as it was clearly a mistake and Rushmore has admitted this. But my thinking is they did not make it clear to the credit bureaus that they made a mistake, they would rather just imply that I paid up and am now current instead of admitting that they falsely reported me delinquent and made me suffer all these months to convince them to correct it. Rushmore Loan Management Services needs to contact the credit reporting bureaus and tell them to REMOVE COMPLETELY the 30 days delinquent mark on my credit report, because it never happened. It was a mistake on their part, I was in forbearance at the time, and needs to be deleted off my credit reporting record in order for my score to improve to what it was before they made this horrible mistake. Its not fair or right to tell the credit reporting bureaus that I paid off the 30 days delinquent and am now current, instead of telling them the truth which I was never delinquent at all. That 30 days delinquent charge is still on my credit report for anyone to see, and it will prevent me from getting a car loan, a credit card, etc for the long term foreseeable future until they do what is right and tell the credit bureaus the truth. Attached is the proof of my payment history with Rushmore, including the letter of forbearance for the period in question on my credit report. Plus copies of the negative report still on my credit as of this week, and the new verbiage which states I am now paid as agreed, instead of stating the truth which is that I was never delinquent at all. This negative mark needs to be deleted entirely off my credit repertoire, which the credit bureaus will never do unless Rushmore is upfront and direct with them that they made a mistake.
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| 11/04/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My property was a victim of extreme flooding during Hurricane Harvey in XXXX. After spending weeks going through flood claims with the NFIP / FEMA and my mortgage company, Rushmore Loan Management Services, I finally received a check from the NFIP that was endorsed to both Rushmore and myself. After endorsing the settlement check and sending it in, Rushmore took 3 weeks to put my funds into a special escrow account. The ability to receive funds is dictated by the terms of Rushmore and their Loss Draft Department guidelines, none of which are favorable to the homeowner. The settlement was above the {$40000.00} threshold which Rushmore instructed had " special '' procedures.
The process of getting funding from Rushmore has been nothing short of impossible. First, Rushmore mandates a contractor must be hired, costing the end consumer potentially thousands more and lots of headaches. Upon finding and selecting a contractor, Rushmore puts the contractor on all checks payable until the release of lien is received. This has become a problem because my contractor has been scamming me as a homeowner. Upon the contractor electing to walk away, I am required to pay his amount stipulated in exchange for a release of lien. Rushmore will not send any further money from my insurance settlement until the first release of lien is received, even if the consumer / homeowner is forced to be out thousands extra to avoid going to court with the scam XXXXtractor.
Rushmore is prohibiting the homeowner from getting the necessary work done with the funds received from the insurance the homeowner paid. The rigid processes that Rushmore has put in place has put a financial strain on me as a consumer and I 'm sure thousands of others like me. Their Loss Draft Department consistently provides inconsistent information and is never prompt in their responses. Paperwork takes week to be processed and receiving any funding takes even longer.
Rushmore has put me in a major bind between losing thousands with a fraudulent contractor to simply gain access to the remainder of my funds in a timely manner or spend years fighting the fraudulent contractor in court, prohibiting me from getting the necessary funding to complete the rebuild of my home. This is a major strain on the homeowner / consumer and forces me to have to choose between the lesser of negative outcomes even if it costs me funding for no reason other than Rushmore 's loss draft processes.
Rushmore protects the contractors before their own clients. There is no protection or benefit for the customer.
I am in completely good standing with Rushmore and have never missed or been late on a payment.
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| 06/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Older American |
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Beginning in mid XX/XX/XXXX I attempted to contact Rushmore Loan Management Services several times about extending the XX/XX/XXXX option I have on my mortgage. My original mortgage & note from XXXX XXXX XXXX was acquired and the servicing rights went to Rushmore. I have the option to extend that XX/XX/XXXX another 5 years at current rates.
During XXXX I called Rushmore seven times and no one understood the option I have. Four of my calls were transferred to either their Loss Mitigation team and all of the calls were " dropped '' before anyone picked up. All in I spent well over five hours on calls or on hold with no service being executed.
During XXXX I made several more attempts. On most of these calls I was unable to speak to anyone that any idea of how to help. On three of the XXXX calls I asked and even demanded at times that I be allowed to speak to a supervisor or someone at the SVP level. On two of the calls I was told by the " off shore '' employees that they had no access to supervisor or upper level management personnel names and if they did they were not permitted to give that information out.
The later part of XXXX I spoke to an employee who promised me they would pass my information to the department that handled modification extensions and that I would hear back within 72 hours. Nothing!!. No call, no email etc.
On XX/XX/XXXX I received an Early Notice of Loan Maturity / Early Notice of Balloon Payment Due 180 day letter as required by regulation. The letter instructs to call the Home Retention Department at XXXX for possible option if one can not pay the balloon when due ( XX/XX/XXXX ). I called the number and was told Rushmore does not have a Home Retention Department. I was transferred and again the call was dropped after being on hold for a long time.
I called back on XX/XX/XXXX and reached XXXX, employee # XXXX. I fully explained for the 15th time why I was calling and what was needed. XXXX promised she would deliver my information to another department and that I would hear back within 72 hours. The 72 hours was up at XXXX EST on XX/XX/XXXX. Again, I have heard nothing.
At this time I am asking that Rushmore reduce my mortgage obligation to zero within the next 10 business days and send me confirmation that I owe nothing. They have caused undue anguish and severely impacted my ability to conduct proper financial planning.
Additionally, during one of the first calls in XXXX Rushmore referred me to XXXX XXXX to refinance. I thought Id take a look at that option too given the current market yields. XXXX XXXX personnel never followed up either after the first email I received from them.
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| 09/27/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I have been dealing with this for three years. I have paid three different companies to help me with my mortgage. I do n't remember the name of the first agency but the owner was charged with fraud and has been doing federal time. The second company was XXXX XXXX, and the third is XXXX XXXX. My mortgage has been sold three times. It was with XXXX, sold to XXXX XXXX, sold to a XXXX XXXX XXXX, then sold and currently with Rushmore. In XXXX 2017. The representative from Rushmore supposedly told my rep from XXXX XXXX, XXXX that they were not going to consider me for a modification because I had used up all my appeals and the investors where not going to consider me for a modification because they did not like my income ( I work a full time job and I have a small business that is from my family on XXXX XXXX. ) They did not like that my XXXX XXXX did not pay every month on time. I have provided my income, bank statements, tax information, and leases over and over and over again and explanations of how I got behind. Nothing was ever good enough. They told my rep in XX/XX/XXXX that they had a sale date of XXXX XXXX, 2017, that they canceled. My representative calls me every to weeks and tells me that I am still in active foreclosure but have no sale date. The bank has never filed foreclosure paperwork. I have gotten on line and done a search. I have never gotten any certified letters of foreclosures and there is nothing in the courts. She called me today and left the same message. The only time that I have any attempted resolution was with XXXX XXXX. Who told me that XXXX XXXX offered me a modification. Of which that time I was only six months behind, from trying to get assistance. Their idea of modification was that I pay two payments a month for three months. If I could n't make the regular payment I still do n't understand where they think I could get the money for two payments a month. I want to save my home, I have just asked for a payment that is more manageable. I am in the process of selling a property to help with the back payment. NOONE WILL HELP ME. I was told by the representative with XXXX XXXX that they could go to court and force Rushmore to assist me. I have been told that I qualified for the HARP program, but am now told I do n't. I have asked XXXX at XXXX for copies of very communications they have had with the mortgage company and you will see from the attached information. She sent me back everything that I supplied to her, nothing of the communications between her and the mortgage company. PLEASE HELP ME. I DO N'T WANT TO LOOSE MY HOME. I just need assistance with the payment and getting caught up.
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| 09/05/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Dear CFPB, This complaint is regarding Rushmore Loan Management Services, LLC. This is in regards to my mortgage being incorrectly placed in default for false reporting and misapplication of payments on behalf of Rushmore Loan Management Services, LLC.
I have made so many attempts to fix this issue by phone and in writing. But, when I have tried to correct Rushmore 's errors it has caused more severe and additional issues such as incorrect reporting to credit bureaus.
I now believe I 'm being targeted by this company. I believe this company is trying to steal my house and fraudulently file default mortgage insurance. I believe I have been targeted due to numerous false reporting regarding my loan to a Bankruptcy Trustee and Bankruptcy court and the credit bureaus.
I received a letter from Rushmore dated XXXX/XXXX/XXXX. Rushmore is stating that I 'm contractually due for my XXXX payment. They have also assessed my mortgage loan with incorrect late charges for both XXXX XXXX and XXXX XXXX. I have provided CFPB with all proof of payment and have provided proof of payment for every month from XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. They still are stating that I did n't pay a payment. XXXX, I spoke with XXXX which states is a Supervisor with Rushmore Bankruptcy department. During the conversation with XXXX, he stated that I did n't make a payment in XXXX XXXX. Rushmore is now trying to collect on a date that was prior to them receiving the servicing of the mortgage loan.
I called XXXX XXXX XXXX and spoke with there customer service in Bankruptcy and they confirmed for me during the phone call that I was current and reported as current at time of transfer of the loan.
I 'm providing you Rushmore 's letter dated XXXX/XXXX/XXXX which states I 'm due for XXXX. I 'm also providing you with Rushmore 's payment history for XXXX XXXX and XXXX XXXX assessing me falsely with late charges. I 'm providing proof of payment and the CERTIFIED and SIGNED mail from Rushmore. Rushmore received payment prior to the XXXX due date. But, they still assessed me with late charges and noted me as late. They have also reported me as late to credit bureaus, 60 DAYS LATE.
I 'm requesting for Rushmore to take my loan out of default. I 'm also requesting the remove their false late charges of my mortgage loan. I 'm also requesting they report correctly to the credit bureaus. Please also stop the fraud and targeting me. I believe they have placed me in default to fraudulently collect on mortgage default insurance.
Please report this to an appropriate agency for investigation of these fraudulent practices.
Thanks, XXXX XXXX
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| 10/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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I called to set my account Rushmore on XXXX, since XXXX when I called Rushmore and talk costumers service representative mess up and took out from my bank account {$120000.00}. On XXXX i agree to pay {$1200.00} to my monthly payment. Every month I would call Rushmore and let them know on the phone and do my payment give me verification code Since then my account tell me my payment when throw even thought it would not show out my end and I would call and confirm with them later on they started locked because of the error from the call center to do payment on online. Ive been calling the call center from Rushmore to try sort out the issue. I was getting harassed by that customer service representative because I kept correcting them saying Im not a mess or Mr. just please call me by my name, on XXXX I spoke with Rushmore rep they confirm my account number and routing number with my bank on the three-way call, the rep got mad and stared yelling at me and my banks because the account wasnt right plus Rushmore rep keep saying that I was paying with credit and not check when my bank confirmed that it was checking account. When I spoke with the rep from Rushmore got mad and hung up that Same day I called back and spoke with the Supervisor named XXXX on XXXX letting them know they know that I didnt see the payment out of my bank account but when I could call they would say it payed and gave me confirmation. Supervisor from Rushmore told me to fax my bank transactions to fax them over. I fax over the information XX/XX/21. I called Rushmore on XX/XX/21 spoke with XXXX told me to call XX/XX/21 so it can be post to my account. The issue never got fix since then when I call I get put on hold and transfer to someone else.Ive been trying to die my payment with checks next call center from Rushmore told me theyre no longer taking online payments that I will have to do checks. I sent them a check and they sent it back to me got rejected twice. Later on I got a letter in the mail saying that they are only requesting cashier checks.Since Ive been with Rushmore Ive only had problems doing payments nothings been sort it out and like Credit got damaged.I called and spoke with customer service Rushmore spoke with the representative saying that they need to speak with me didnt even have Nots nor didnt even know why they wanted to speak with me they told me to call back. I did and they still didnt have Nots nor good communication to tell me what whats updates going on. Rushmore has been giving me the run around and just putting me on hold whenever I call.Ive been trying to pay everything months but they are making difficult.
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| 06/20/2021 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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Rushmore 's online payment system misleads customers when entering bank account information. They request a nickname for the account, so when people enter more than one account it's possible to tell them apart. But then when your payment is processed, they transmit the transaction to your bank with the account nickname they requested as the account HOLDER 'S name.
In my case, I have an account with XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX. I intended to set up automatic payments through the credit union once we get our days off back at my station. In the meantime, I entered my XXXX information to make payments. I nicknamed it " XXXX '', so later I could distinguish it from the other account on their site.
When Rushmore submitted my payments, the transmission began with " XXXX '' when it should have begun with my name. So, the bank returned the transaction. The first time this happened, they pretended they didn't know what went wrong. I know they were lying and just wouldn't tell me because the second time it happened, they did know and told me they could see clearly what was wrong.
Both times, I set up an additional payment to keep my mortgage paid. After the second time, I finally knew what the problem was, so I nicknamed my bank account with my name to prevent this in the future.
I spent hours on the phone with Rushmore trying to communicate that I wanted to ensure that I suffered no negative effects as a result of their website 's problem. Their collections department and supervisors responded on a per-sentence basis with non-sequiturs, insulted me, and condescended to me. I finally gave up without even being informed of what consequences I would face for THEIR mistake.
Now my account is restricted to certified funds only. This means I'll have to call into work once a month, travel to the bank, pay the fees for a cashier 's check, pay the postage for certified mail sent priority, and wait to see if they are honest about receiving my payments and apply them correctly to my account. Going by nearly every review this company has online, they're likely to cash the check and claim they never received it.
We're not legally entitled to pay online. A company can choose to offer that or not. I understand this. But this company deliberately sabotaged my payments to make it harder to pay, and will not cost me hundreds of dollars a month in addition to my mortgage payments, to punish me for their failures. This shouldn't be allowed. Even just having to call in once a month could get me fired from the XXXX XXXX. They could cost my family everything we have, and we've done nothing wrong at all.
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| 07/07/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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On XX/XX/XXXX I purchased my home in XXXX, CT for $ XXXX. I took out a loan with XXXX for $ XXXX. InXX/XX/XXXXour family began to experience financial hardship. We have a daughter with XXXX XXXX XXXX XXXX. She has been hospitalized in the XXXX XXXX and XXXX XXXX over 6 times by the age of XXXX. I contacted XXXX about a loan modification. On XX/XX/XXXX XXXX denied my request and in XX/XX/XXXX my loan was sold to XXXX XXXX XXXX. For two years, with the help of Attorney XXXX XXXX, I tried to get a loan modification with XXXX XXXX. They kept prolonging the process because of missing documents, etc. They were a very disorganized company. In XX/XX/XXXX the loan was sold to XXXX and I had to go through the loan modification process all over again. In early XXXX I hired XXXX XXXX XXXX XXXX, Attorney XXXX XXXX, to help me with the loan modification process and to try and keep out house out of foreclosure. Then on XX/XX/XXXX the loan was sold again to Rushmore Loan Servicing. I worked with Rushmore for a year to try and get a loan modification. In XX/XX/XXXX, I had a scheduled court date with Attorney XXXX XXXX. He was a no show and later that week I found out through social media that XXXX XXXX XXXX was no longer able to practice law. His paralegal kept sending me email notifications that XXXX XXXX would do right by me and my family. The night before the court date, I received a text from Attorney XXXX that he would be at the mediation. On that court date in XX/XX/XXXX, where I had no representation, Rushmore came back with a loan modification offer which was higher than what I was originally paying. Without representation I feared the house would go into foreclosure, so I went to family for assistance with the loan mod payments and accepted Rushmore 's loan modification offer. At the beginning of XX/XX/XXXX we listed the house for sale. There has been minimal activity with no offers. We are now in a situation where we need to do a short sale because there is a second line of credit on the house with XXXX. XXXX made an error and recorded the lien twice on the house with the town of XXXX and I have asked them to rectify this. There is no resolution with that as of filing this complaint. Rushmore provided me a pay off amount of {$310000.00} onXX/XX/XXXX and then changed the payoff amount to {$310000.00} on XX/XX/XXXX. We have made two mortgage payments of {$2300.00} and we made a payment of {$4700.00} in XXXX so I do n't understand the justification for the {$2000.00} increase within a three week period. As you can see from all of these facts, the whole situation is a complete mess and I am in need of help.
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| 07/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Right before Covid, XXXX XXXX sold our loan to Rushmore lending the date of the transfer was XX/XX/XXXX. Shortly after this the Covid crisis began and NJ as a hard hit state and was closed down. We are self employed and run a small family business. the effects of the shut downs have been crippling. Rushmore XXXX seemed to be great with their forbearance program and was easy to work withIt was our belief that we were in the deferred payment option. And it is clear that a portion of our forbearance was in fact put on the end of our loan. However my complaint comes from the sale of my mortgage loan from Rushmore XXXX to XXXX XXXX. During the month of XX/XX/XXXX I was in touch with Rushmore XXXX that we continued to be in forbearance. Notifications came to say that Rushmore XXXX was selling the loan but would continue to service it. So in the sale of my loan somehow my deferred payment option was only for the first portion of forebeafance. So XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were put on the back end of my loan but XX/XX/XXXX forward are not. It is clear to me that there was an understanding with the Rushmore XXXX initially. However when XXXX XXXX took over the loan it started the following problems. I am now in receipt of an intent to foreclose for the months of XXXX XXXX XXXX. I dont understand why those payments are now trying to be collected as a full payment and not on the back end of the loan like the others and why we have an intent to foreclose for the forbearance amount in full with no other options.. I obviously stated to Rushmore in the beginning that we were expecting to have a deferred payment option which was done for a short portion of time. At the time of the transfer/sale of my loan it was still in forebeafance. So while my biggest problems arise with XXXX XXXX had my forebearance deferred payment option been properly handled by Rushmore Lending I would have started on the right track with the new company and not been automatically pushed into a foreclosure track with no other options presented to me. We are still not sure why we were not offered any options to avoid the intent foreclose with XXXX XXXX but that clearly is another complaint with their company. The sale of my loan from Rushmore to XXXX has been a horrible experience. I would have expected to start with a new company with the same understanding of what was previously understood with my account deferred payment option. Rushmore XXXX should have finalized these arrangements prior to sale. There is no explanation forthcoming from XXXX XXXX as to why these terms were not honored nor have they offered any other options.
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| 09/01/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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My home loan was transferred to Rushmore Loan Management Services, LLC on XX/XX/2018 from XXXX XXXX XXXX. XXXX XXXX XXXX stopped collecting from me on XX/XX/2018. Rushmore date to start collecting from me was on XX/XX/2018.
I am filing a complaint against Rushmore Loan Management Services, LLC because Rushmore gave me a Rushmore Pre-Welcome Letter dated XX/XX/2018. And then in XX/XX/2018 I received a Rushmore Welcome Letter dated XX/XX/2018 with a Substitute Form XXXX to fill out in which I knew the original XXXX Form was already filled out in the loan file.
The Rushmore Pre-Welcome Letter means that Rushmore started collecting for my loan on its computer system two months in advance of XX/XX/2018. With this Pre-Welcome Letter dated XX/XX/2018 Rushmore gave me a computer generated interim payment coupon listing Rushmore loan #, due date XX/XX/2018, payment amount {$550.00} with my name and address and Rushmore address for sending in the payment. I cross out Rushmore loan # the due date XX/XX/2018 and put my prior XXXX XXXX XXXX loan # with due date of XX/XX/18. I also cross out the scan information at the bottom of the coupon leaving the amount at the end of the scan {$550.00}.
A recoverable Advances Account was already established in Rushmore loan # by Rushmore collecting from XX/XX/2018 due date on Rushmore computer system for no payment and XX/XX/2018 due date for no payment on Rushmore computer system. And Rushmore knew XX/XX/2018 and XX/XX/2018 was being collected by XXXX XXXX XXXX for the time before XX/XX/2018 is the time that XXXX XXXX XXXX collect from me.
My loan # with XXXX XXXX XXXX has an escrow account in it. XXXX XXXX XXXX verified on letter dated XX/XX/18 to me that XX/XX/18 payment was paid on XX/XX/2018 before service release and XX/XX/2018 was paid on XX/XX/2018 before service release. Rushmore received XX/XX/2018 payment directly from me in which Rushmore received it by certified mail on XX/XX/18 but Rushmore listed it as being received on XX/XX/2018. I have the certified note from the computer.
My payments is broken down into principal, interest, and escrow each month in Rushmore loan #. But I can not see the escrow account balance each month but I see a recoverable advances balance that was established by Rushmore collecting before XX/XX/2018. And I have not received the Escrow statement that Rushmore is to give me within 45 days of established Rushmore loan #. And also the courtesy period by law in my loan which is 15 days after the first of the month is not observed on these mortgage statements that I have received from Rushmore Loan Management Services, LLC.
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| 03/13/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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My husband and I applied for a modification on our home from our lender. The lender had already scheduled a foreclosure sale date on our property ; however, we were told by several customer service representative including our accounts manager that once we submitted the application for modification in its entirety that the sale date on our home would be postponed until a final decision was made. The sale date on our home is scheduled for tomorrow, XX/XX/2017. Our application was submitted on XX/XX/2017, I called every day for almost two weeks to ensure that our application was received and that they had everything needed to move forward with the modification review. Once confirmation of the receipt of our application was provided I inquired again to my account manager and several customer representative that the foreclosure sale date would we postponed until a final decision was made on our application. However, after not hearing from our lender I contacted the XXXX County Clerk of Courts on Friday, XX/XX/2017, to verify that the foreclosure sale had been postponed and I was told that it had not been. I contacted our lender on the same day ( Friday, XX/XX/2017 ) to find out why the sale date had not been postponed and I was told that our lender had denied our modification on Tuesday, XX/XX/2017, because " they determined that we did not have enough of a deposit to put down '' ; and that because the application had been denied they would be moving forward with the foreclosure sale on XX/XX/2017. When I asked why the foreclosure sale date had not been postponed as I was told that it would be, I was then told, " the sale date would only be postponed if the modification application had been approved '', this is not what my husband and I had been told previously. I asked our account manager why they had not contacted us sooner to notify us that our application had been denied since our foreclosure sale date was only two ( 2 ) business days away to see if we had a larger down payment to move forward with the modification, he did not have a response. I asked our account manager to ask how much they needed for us to put down as a deposit, he said that he would submit the request ; however, when I called him today, XX/XX/2017, I was told that they were choosing to move forward with the sale date. Now my family and I have no where to go as the foreclosure sale date is schedule for tomorrow, XX/XX/2017, and because we were told at the last minute that the sale date was not postponed we do not have time to seek other legal recourse. My husband and I were mislead regarding this matter.
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| 01/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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This is an addition to my original complaint from back in XXXX XXXX with this company. Rushmore loan management Services. I did get a response that you sent me stating that a man named XXXX XXXX who was really another relationship manager. Well i did call him thinking that he was a CEO, or an administrator or some kind of an executive of which i ask for, that can be verified. But instead i only had this XXXX XXXX who said to me that the only person that could help me was the person that caused the problem in the first place. I could not believe what he was saying. But it came to me that he was protecting this person named XXXX XXXX. So i did tell this XXXX XXXX that i did not want to deal with him or any other relationship manager. Well after that i had so many relationship managers call as if to harrassed me. I ask to speak to an executive that i can verify that is who they are. This group of people have been playing games, until it makes me wander if there is a CEO, or is this just a group of people or working from with no supervisor. This has been going on so long to cover up what really did happen, and this XXXX XXXX is really trying to protect her. He has not been a very nice person. I have all the names of the other relationship managers who has been steady calling me. My complaint was to be able to speak to someone in charge, but what are they trying to hide or cover up. This is very strange for any company. Usually by now someone in charge would have called to find out the problem. The company is Rushmore loan management services. My loan number is XXXX. If you look back in XXXX XXXX you will see the complaint i did before. Nothing has change, it has gotten worst. I have a feeling that this complaint will go to XXXX XXXX the relationship manager. They go by your loan number and whoever that person is, is responding back to you. I do not feel that it ever got to an executive. I would like to know how you can find out to make sure this gets to the right person. And i would like a name and a contact phone number, so i can make sure of this persons credentials. Maybe there is only investors that put this company together. Please look into this. How is this protecting me if we can not get to the bottom of this, especially since i have told all of the relationship managers that i am not going to deal with them. The first two people i had seemed to be honest, but since them it has been a very hard ride and it seems as if no one cares. If you have people that are dealing with the public they would care about an complaint. But this has been too, too long.
XXXX XXXX XXXX
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| 04/10/2023 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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Since before XXXX I have told XXXX Mortgage that XXXX advised me that my sister XXXX XXXX XXXX did not pass the trial period on the alleged HAMP Modification done in XXXX that both XXXX and Rushmore Loan Management Services on trying to force me to pay on. I asked Rushmore Loan Management Services to send me the payment history on the loan and they sent me the payment history that is attached from XXXX XXXX. While carefully reviewing it and comparing it to some of the original statements that I had from the original servicers many of the figures did not match. I emailed and called Rushmore requesting original statements and/or payment history from XXXX and XXXX. I have not received them yet. I called Rushmore this week and they stated that they have not received them yet and that they were still investigating. I also requested a modification document signed by XXXX XXXX ( by deceased XXXX brother ) who's name the servicers have on the alleged modification, I have not received it yet. In the meantime on XX/XX/XXXX I received certified mail at XXXXXXXX XXXX XXXX XXXX from Rushmore Loan Management Service for Intent to Foreclose. Rushmore has not yet corrected my name from a successor of interest to a borrower ( which I am ) even though I gave them the contact information that XXXX XXXX gave me to give to Rushmore, plus Rushmore has documents from XXXX to verify that I am a borrower. Also on XX/XX/XXXX I spoke with my sister XXXX XXXX XXXX who confirmed that she never paid any of the payments on the HAMP Modification because XXXX never sent her the information where to send the payment to. She also stated that she received a letter stating that she no longer qualified for the modification because she did not pass the trail period. However, on this payment history that Rushmore sent me from XXXX is stating that my sister paid payments starting with XX/XX/XXXX. This is falsified information. She stated that she sent a check for over {$5000.00} later that was sent back to her. You will see a copy of it. Rushmore has been refusing to respond to any of my compliants stating that it is because of previous issue or pending litigation. They know that I have not been able to obtain an attorney yet and trying to push the foreclosure on a HAMP Modification that never passed the probation period. Also they are refusing to correct the loan, my name as a borrower and refusing assistance from me. All of this is illegal and I don't understand how they can deprived me of my rights as a borrower and not see the negligence involved in the handling for my deceased father 's loan.
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| 02/10/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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Yes XXXX transferred my mom 's tip XXXX mortgage over to Rushmore because it was 8 months behind my mom put in with XXXX a modification for a loan they denied her because she didn't meet the minimum Financial criteria I told them that you guys wave the minimum Financial criteria to give her the loan but yet you won't weigh the minimum Financial criteria to help her modify the home XXXX gave her a modification so you guys can too and then they didn't even respond to me till 5 months later and then they said we're going to deny the modification because now you are over a year behind I said you guys have caused this situation to be over a year behind yourselves because after I told you guys about the minimum Financial criteria you chose to keep that application for four and a half months later they kept on harassing my mom my mom was bedroom she got put in a coma took her to the hospital for induce stress because these people would call her at the hospital at the house send her letters every day and she was crying to them I want to keep my house but they just wouldn't help her after she passed away I told them my mom passed away they said sorry for your loss and then in XXXX I gave them a check for {$35000.00} and change they sent it back to me and said this was not a certified check and they're not going to accept it it was an XXXX XXXX check it had numbers on the bottom certification numbers guarantee and payment of this check I told them that there's nothing in the contract stating we can't write checks because we written checks before what is the issue they gave no response they just sent the check back with a little note saying this must be a payoff but you have to send a certified funds so they they refuse my payment and we haven't really talked since then you know you know for them to refuse a {$35000.00} payment sent it back to me obviously it tells me they don't want the money and then XXXX is trying to foreclose right now but they don't list Rushmore is a plane if either so XXXX is saying one thing to the judge XXXX is saying another and nothing is making sense they shouldn't even happen in the first place they should accept it the {$35000.00} check and we wouldn't be in this situation it doesn't have to be certified funds it does not stay in the rules it has to be certified funds we sent checks before they're just doing that to make a bigger commission so when the house were closes they make a bigger profit I told them I would start from the beginning if they avoid all the past due payments I would pay everything current they said nope so this is where
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| 04/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Mortgage servicing violations Due to the increase of homeowners needing assistance this year, weve prioritized supervision of mortgage servicers. A recent review of our 2021 supervision efforts revealed certain violations, including : Charging late or default-related fees to borrowers in CARES Act forbearance programs. The CARES Act generally prohibits a servicer of federally-backed mortgage loans from imposing these fees while a borrowers mortgage payments are being deferred due to financial hardship caused by the COVID-19 emergency.
Failing to end preauthorized electronic fund transfers. Otherwise known as EFTs, some servicers failed to end automatic electronic payments when an account had been closed, often resulting in additional and repeated fees when borrowers had insufficient funds in their banking account.
Charging consumers unauthorized amounts. Our report found that, in some cases, mortgage servicers overcharged borrowers for services or added fees outside of their loan terms, including for home inspections and XXXX XXXX Opinions.
Misrepresenting mortgage loan transactions and payment history in online accounts. Examiners found that servicers provided inaccurate descriptions of payments and transaction information, which may have misled borrowers.
Failing to review borrowers applications for loss mitigation options within 30 days. Examiners found that mortgage servicers violated Regulation X because the servicers didnt evaluate the borrowers complete loss mitigation applications and provide a written notice stating the servicers determination of available options within 30 days of receiving borrowers applications.
Incorrect handling of partial payments. Servicers are required to take one of the following specific actions when they receive a partial payment from a borrower : crediting the payment, returning it to the consumer, or holding it in an unapplied funds account. Examiners found that, in some cases, servicers put these payments in borrowers escrow accounts rather than returning the amount or crediting it to borrowers next monthly payment.
Failing to automatically terminate Private Mortgage Insurance ( PMI ) on time. For borrowers with PMI, servicers are generally required to automatically terminate those additional PMI payments once the mortgage loans principal balance is first scheduled to reach 78 percent of the original value of the property. Examiners found that in many cases the servicers data was inaccurate, and the PMI wasnt terminated in a timely manner.
This company has not helped us to retain our home.
Excessive fees.
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| 04/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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|
Web |
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1 ) Rushmore Loan Management Servicing , LLC claims they did not participate in dual tracking or misleading/ deceptive messaging regarding my mortgage assistance process. I was denied on XX/XX/2023, provided an appeal period in which I exercised by explaining verbally the mistakes made regarding my income ; which was cited as a reason for denial.
2 ) I then proceeded by following the representatives advice and providing a new mortgage assistance package. Rushmore Loan Management Servicing , LLC accepted a new application. Rushmore Loan Management stated they provided written notice of missing documents ; however, they only provided such notice on XX/XX/2023, while simultaneously closing my review.
XXXX ) No previous written or verbal notice was provided that any documentation was missing or needed for the file to be complete. As I mentioned until XX/XX/2023, in which Rushmore Loan Management Servicing , LLC closed the file and with 6 calendar days on XX/XX/2023, placed a foreclosure sale date in the system for XX/XX/2023, less than 30 days from notice.
4 ) This is an act of deception, this was done to prevent me from having the ability to respond to written missing document requests, and also to prevent me from being able to look at any other option of the loss mitigation process such as a short sale or deed in lieu. Also prevented me from potentially selling my home on the market because I now have a foreclosure sale date. Rushmore Loan Management Servicing , LLC enforced a sale date within 6 calendar days of unethically closing my mortgage assistance process, and then making the sale on XX/XX/2023, less than 30 calendar days from the file closure notice and from XX/XX/2023, date of notice of sale.
5 ) Rushmore Loan Management Servicing , LLC claims they are in place to assist the homeowner to stay in their home while collaborating with the owner of the note to come to agreeable terms. However, my experience has been far from that these past several months. I simply would like the opportunity to be reviewed for mortgage assistance with all the correct information and so a true decision can be determined. I have been forced into a foreclosure sale date without being properly reviewed for all loss mitigation options.
6 ) Request that Rushmore Loan Management Servicing, LLC provide documentation suggesting missing documents were requested to the XX/XX/2023, file closure letter. Rushmore Loan Management Servicing , LLC present all audio-recorded conversations from XX/XX/2023, to XX/XX/2023, when the sale date was entered into the system.
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| 03/23/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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|
Web |
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I have been in review with Rushmore for over 1 year trying to get my mortgage modified. We are currently assigned to XXXX XXXX, who has been nothing but combative and rude throughout the entire process. I am asking for our representative to be changed immediately, as she is nothing but degrading and very snide to my advisors as well. She has done nothing to help us but only harm the process. As I have stated, we have been in review for almost 1 year. We even told Rushmore that we have {$10000.00} to put toward a down payment on a modification, still they drag their feet. We have sent the same documents over and over. I think it 's because they just do n't like us and are trying to stall to sell our house. What happened most recently was that they put a sale date on our house for XXXX/XXXX/XXXX even though we are still in a Chapter XXXX bankruptcy that is not discharged. Not knowing the laws and not knowing we are still protected. My huband filed a Chapter XXXX in his own name on XXXX, a day before the sale, which was upheld by the Bankruptcy court as valid. Just last week, XXXX, Rushmore 's attorney, XXXX, tried to file something to overturn our bankruptcy based on a document he filed in XXXX. The bankruptcy judge overturned his filing ( attached ) and said there will be a hearing on XXXX/XXXX/XXXX to give us time to respond. I am currently talking to my atttorney to file a response to let the court know how hard we have been fighting Rushmore to keep our house. We have been assigned to people who refuse to help us. The letter from the bankruptcy judge who overturned XXXX 's filing has been on file and emailed to all involved ( Rushmore and XXXX ) on XXXX. It is now XXXX and Rushmore states that there are no new developments and they have to wait for instruction from XXXX 's office. Every day they wait is a day closer to me losing my home. They have this letter in their possession and they are still not trying to move forward. My advocate XXXX has called XXXX, who now conveniently does n't answer the phone, as well as her supervisor XXXX, who has not called him or us back for now another 2 days. I have been on the line as XXXX has left messages. I need help moving this forward, nobody at Rushmore has helped in the slightest, all they have done is talk down to us, ignore us, and ask for the same documents over and over. I further give my permission to talk to XXXX XXXX and/or XXXX XXXX at XXXX XXXX, they are working hard on my behalf but have also just been disregarded by Rushmore. I am also putting my authorization in writing ( attached ).
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| 01/11/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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In XXXX of XXXX, I was approved for a loan mod with my servicer at the time, XXXX XXXX, and had to complete a 3 month XXXX, XXXX. I completed the trial plan on time. My loan had a mod start date of XX/XX/XXXX, however, my loan transferred servicers to Rushmore loan on XX/XX/XXXX. I did not receive my final loan documents from XXXX XXXX. I called my new servicer, Rushmore loan in XX/XX/XXXX to discuss that I have not received my final loan documents yet. They stated there is a delay due to the transfer of my loan and the documents will be sent out shortly. In XX/XX/XXXX, I called Rushmore and spoke with a rep that I have not received my loan documents still. The rep advised me that they are working on them. On XX/XX/XXXX, I received an email from Rushmore to view loan mod documents via a online site. I reviewed the documents, however the loan terms were not correct. I called Rushmore, escalated my call to supervisor, once I got in contact with a supervisor, I explained that the terms on the documents were incorrect. They advised me that they would review and get back to me. After a few weeks passed, I had not heard back regarding the matter. I called Rushmore in XXXX of XXXX, had my call escalated to a supervisor, and once I got in contact with a supervisor, I explained my situation with my loan mod. The supervisor stated that they would look into the matter and make any corrections if needed and requested I send rushmore my XXXX letter. I did not hear back from Rushmore until XX/XX/XXXX, where I spoke to a rep. The rep stated that new documents had been created on XX/XX/XXXX, and the terms had been corrected. However, I stated that I was not aware of these new documents, I was not advised that new documents had been created, and that I did not receive any new documents. The rep advised they would mail me a set of the new documents. I received the corrected loan mod documents. I then called Rushmore to discuss the documents that I received, I spoke with a rep who advised me the loan had been denied and review closed. I never received a denial letter regarding this decision, and I was not given the proper time to review and return the documents before Rushmore improperly denied me. The documents were created on XX/XX/XXXX, never advised me of these documents, got sent to me more than 30 days later, and once received, I was denied my loan mod because I didn't return the documents back in time.The servicer was six months late with generating the correct documents to sign. I never received the documents in time and was denied because of this.
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| 12/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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Hi. A little history. My mortgage has been sold to 4 different companies. Each company would change my mortgage ( including escrow ) starting at {$1200.00}, monthly to now {$1700.00}, without explanation. My interest rate is 4 % and my principal and interest is {$860.00} and a now 49 year term since it was sold to the last bank. Originally I was at a 30 year fixed. Im not sure where the mistake happened, and there is no explanation. To top it off, Covid hit and I was forced into forbearance due to covid hardship, at which point it had to be extended. I wasnt able to make payments during the forbearance program, and requested a loan modification with the bank. Ive been applying since XXXX of XXXX. I completed a loan modification packet and documents to support the application, only to have the bank prolong the review by telling me they never received the supporting documents. I would forward them again, only to be told other documents were needed also. This went on until XXXX. Finally I got a denial letter, and was told if I wanted to appeal, and I did. It was knocked down in 1 day, with a denial. After numerous calls, I was Told that unless I can make my 1742 monthly payments, I will keep getting a denial. Why. I thought a loan modification is to modify your loan to affordable payments. Not keep it the same. Nonetheless, I was told to resubmit a new application, which I did. I sent in another packet with the supporting documents. Ive called them on a weekly basis. Now its under review. Im getting a gut feeling that it will be denied again. Ive been living in my house since XXXX. I raised XXXX boys in this house, only to have my eldest son XXXX XXXX XXXX XXXX XXXX I have all his memories in this house and dont want to lose them. I am Incapable of paying the forbearance amount due.
Covid caused hour reduction at my job. I went from 35-40 hrs to 12 hours a week. I am in over my head. Credit wise as well.
I was asked why we dont sell. My house is in a lawsuit with the insurance company, for poor workmanship. I havent been released from the insurance company and things still need to be addressed.
I feel as though Im getting the run around from this bank.
I have bank forced home owners insurance because no insurance company will insure us due to still having an open claim. However, I used to have a XXXX principal and interest, with a XXXX interest rate and escrow at $ XXXX monthly on a 30 year fixed term. Now Im at 4 %, a 49 year term and having to pay {$64.00} dollars less. Doesnt make sense Any help will be truly appreciated.
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| 08/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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|
Web |
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I applied for a construction to permanent loan with XXXX XXXX in XX/XX/XXXX. With the builders contract, they required me to borrow more money than the contract to ensure the home 's completion. During the course of construction, the builder stole approximately the same amount of money which was over {$100000.00}, did n't complete the home, but XXXX XXXX closed the loan and made it a home mortgage loan ( not a construction loan ). The home was never completed and the builder sued for {$250000.00}. After two years of trials and arbitration, the builder lost but did not pay the award or legal fees. Home is still not completed.
Before the suit started, I applied for a loan modification and was denied it because I had been paying my mortgage. When I could no longer pay for the legal fees and mortgage, I fell behind with my mortgage payments and was able to get into a loan modification program. It took over XXXX years and near the end of the process with XXXX XXXX ( I thought ), I paid over {$10000.00} in fees for the modification and after the last payment the loan was transferred to XXXX and then onto XXXX XXXX. I continued to work with XXXX XXXX on the modification for another year or so. On XX/XX/XXXX they approved the modification, and gave me XXXX hours to sign the documentation and return it to them. That same day my dad XXXX and was in the hospital. I did not check my email that day ( the notification for the modification was emailed ) because I spent the day in the hospital with my parents. The same day the loan was also sold to XXXX XXXX, effectively cancelling the modification.
After some time, XXXX XXXX accepted the original terms of the loan modification. It is a XXXX yr loan with over {$300000.00} ( estimated ) in penalties added to the loan for time I was attempting to modify the loan.
Last year the same loan was sold to Rushmore with the same conditions, although for many weeks it was unclear where I should send my mortgage payments, and I feared I was being set up again to fall behind in the payments.
It is just very unfortunate that due to the predatory practices of XXXX, an unscrupulous builder that stole from the construction draws, XXXX XXXX continuing to issue the draws to the builder, and XXXX unwilling to help keep the loan from going underwater, I am now in a situation where I have a home I can not sell and a loan I will probably not be able to payoff in my lifetime. Added to this burden was the legal fees owed to save the house.
Any help, assistance, advice, would be much appreciated.
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| 12/26/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Older American |
|
Borrower : XXXX XXXX XXXX Loan # : XXXX Property Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : XXXX Rushmore failed to pay my homeowner 's insurance in XXXX, XXXX. After several attempts to get Rushmore to pay my insurance, all of which seemed to fail, I determined that despite assurances of agents of Rushmore that it would be paid I elected to not go without my insurance any longer and pay it immediately. I was about to leave for 5 weeks ' travel in XXXX and could not allow non-coverage to continue. I financed this payment on a XXXX card and now owe additional interest on the sum because Rushmore has failed to reimburse me.
I was told that only if I sent a demand for payment to the " Consumer Affairs Dept. '' at Rushmore could I be paid. I submitted the letter by FAX on XXXX XXXX, XXXX, as instructed, and received an acknowledgment letter dated XXXX XXXX, XXXX, stating that a response would be sent in 30 days. I have not received any response.
I 've called again on XXXX/XXXX/XXXX and was informed that my claim was still being " researched '' and an expected date of completion would be XXXX/XXXX/XXXX. I received no communications and called Rushmore again on XXXX/XXXX/XXXX and was told that I could be sent a check for {$860.00}, not the {$990.00} for reasons that were unclear. I again explained that the amount was {$990.00} and that lesser amount offered was unacceptable. The agent assisting me said she 'd update the documentation and that she 'd call back on XXXX/XXXX/XXXX to update me on my request. No call was received.
Now, XXXX/XXXX/XXXX, I 've again called and was told today that a " review '' was in progress and I could expect something on XXXX/XXXX/XXXX. The agent confirmed that the money was in our escrow account.
All of this is unacceptable. Rushmore failed to pay the homeowner 's insurance, causing my insurance company to threaten to terminate my coverage. When Rushmore could not make any firm commitments as to when payment would be made on this matter, I determined to pay it out-of-pocket to maintain my insurance. Rushmore has confirmed to me that my escrow funds are in my account but can never finish any of its " reviews '' and " research '' on this matter. After being put on hold when requesting that to speak to a person with more authority to resolve this matter, no one ever picked up the phone and after a total of 59 minutes, my call was hung up on.
I explained that I 'm sending a copy of my demand letter to the Consumer Financial Protection Bureau.
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| 05/03/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
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Web |
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When I originally called Rushmore to ask about getting my Property Mortgage Insurance removed, they claimed that the only method to get it removed was to have an appraisal done on my house. However, according to the federal Homeowners Protection Act, this should have been removed automatically when the principal balance reached 78 percent of the original value of my home. According to my mortgage statement from Rushmore dated XX/X/XX , I met the 78 percent threshold before I even requested the PMI to be removed.
In addition, after Rushmore received my authorization for an appraisal to be conducted via fax on XXXX XXXX XXXX , they failed to actually order the appraisal until XXXX XXXX XXXX . I believe this was purposely delayed to keep me paying the PMI since Rushmore benefitted from this insurance which seems to be a conflict of interest. I had to call three times after XXXX XXXX to ask for updates and only after I requested to speak to a supervisor on XXXX XXXX did they finally admit that I had already submitted the authorization for appraisal and that the appraisal should have been done weeks ago.
Rushmore has failed to be transparent during this entire process, and as of XXXX XXXX , has placed a cease and desist hold on my account stating there will no longer be an type of verbal communications, outgoing calls or written correspondence except as otherwise required by law. When I requested phone transcripts of my calls with Rushmore and more information regarding how the process to remove my PMI should have taken place, they refused to offer this information. They have refused to even tell me how much my home appraised for after requesting this via phone call on XXXX XXXX and in writing through their secure message portal. The cease and desist hold seems like their form of retaliation against me and also a way to intimidate me as the consumer.
After my call to Rushmore on XXXX XXXX I was promised a follow-up call with a supervisor to ensure my request was moving forward. I did receive a call on XXXX XXXX at XXXX EST but was unable to answer. The left a voicemail promising a return call in 30 minutes but I never received one or was given a number to contact this person back specifically. This was just another moment in which Rushmore failed to deliver on what they promised me. This also includes them failing to respond to provide recordings or even phone transcripts of calls I had them that I had also requested.
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| 08/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I am facing foreclosure on the home I have owned for 14 years because of misrepresentations and unethical foreclosure practices by my loan servicer Rushmore Loan Management. I have tried repeatedly to be reviewed for modification, forbearance or retention options but instead of conducting an assessment of my current financial circumstances I am given the runaround. Each agent I speak with tells me I am eligible and can apply, and when I do a different agent tells me that I need to document more income to qualify. I tell them that I provided additional income in my paperwork, but they refuse to look at the information and I am stuck in a hamster wheel unable to escape as Rushmore misleads me and pushes me into foreclosure.
My husband I purchased this home in 2006. We paid our mortgage as agreed with no issues until my husband took his own life a few years ago. Besides the grief and heartbreak I was also put into a difficult financial position since I was now the sole breadwinner. I kept up with the mortgage payment as long as I could but as I struggled I reached out to Rushmore to consider me for a loan modification. Instead of conducting a review of my current financial circumstances, I have been repeatedly blocked and denied. It is beyond frustrating. I have a good paying job as a nurse, and we paid our mortgage on time for 11 years. As explained, my husband was distraught and took his own life and this created a difficult situation for my family. I began reaching out to Rushmore to see if they would work with me towards a loan modification but I got the runaround, transferred from department to department and every person telling me something different. I applied for help on multiple occasions, but no one ever reviewed my financial information. The Rushmore agents tell me that in order to qualify I have to provide additional income. I have provided this information as I now receive SSI income and have family members renting rooms in the home, but their agents refuse to consider the change in financial circumstances or even look at the documentation. I have the desire and ability to pay, and if Rushmore was to complete a fair and transparent review of my current financial circumstances they would see that I qualify. Instead, they keep ignoring me and giving me multiple excuses and making misrepresentations about what I can do. The entire time I am falling farther behind and at risk of foreclosure. This is an avoidable foreclosure and there are multiple options available.
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| 08/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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To Whom It May Concern, I have attempted to qualify for a loan modification the past several weeks with Rushmore Loan Management, the company that services my existing mortgage. After a notice of default was filed in XXXX of this year, I was assured by a Rushmore representative that I was an excellent candidate for a loan modification based on the fact that the my property is a rental and I had verified rental income to make the mortgage payments. I initially fell behind on the payments last year, because the previous tenant had stopped making rental payments due to Coved 19. I was also told by the Rushmore representative to make sure that I supplied all the requested documents to Rushmore so that I could be considered and then qualify for the loan modification. And thats exactly what I have done so far. Rushmore has requested documents and letters from me on two separate occasions, around 15 pieces of information so far, and I have complied with their requests each time and have sent every document that they have requested.
Thinking I was still being considered for a loan modification, I didnt worry about a notice of sale being filed against my house. But shockingly, Rushmore just filed an NOS. It was filed on XXXX and I just received written mail notification on XXXX. The sale date has been set for XXXX.
I believe Rushmore has broken a number of laws, both federal and state, concerning the foreclosure process that is currently being carried out against me. And they must be held accountable for their actions. They have violated existing laws currently in place to protect homeowners such as myself, such as dual tracking, no single point of contact and no written communication notifying me that I was turned down for a loan modification, to name just a few of the laws Rushmore has broken in this process. And importantly, if I have been turned down for a loan modification, by law, Rushmore is supposed to allow me an opportunity to appeal the loan modification refusal decision and also present me with other viable options to work out some sort of agreement concerning my loan with them.
I am asking the CFPB to take prompt action concerning this very important matter because Rushmore is attempting to sell my house in just three weeks from now. And again, they have violated numerous laws designed to protect homeowners such as myself during the foreclosure process. Thank you very much for your prompt consideration and action on this matter.
Sincerely, XXXX XXXX
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| 10/14/2022 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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My complaint # XXXX against Rushmore Loan Management LLP CLOSED/ RESPONSE FROM COMPANY The company deflected my direct and specified complaint that their affiliate XXXX XXXX XXXXXXXX XXXX XXXXXXXX have engaged in threats, intimidation and have abused their power with retaliations, suppression of my targeted identity theft, attempts to " sanction '' me, victim for showing cause of contempt of CFPB, the verification of countywide loan fraud schemes of over {$300000.00} USD from my lawful property, without any permission of authority to do such.
Defamations, intimidations and attempts to sanction a victim of financial crimes organized and facilitated by any licensed company is violations of FTC and shows systematic retaliation of " witness/victim '' who is protected by the CFPB efforts under financial crime laws, not to be downplayed by actors of fraudulent malpractices.
Rushmore Loan Management LLP committed financial crimes and do not have any lawful authority to have dispersed any loans out of my property as sole owner, per orders and reports directly to their company that I have been verified to have been repeatedly victimized under identity theft, wire fraud crimes, that have been suppressed to protect perpetrator that has been unlawfully and fraudulently filed for " loans '' against property without any reasonable authority to do such.
Rushmore Loan Management LLP has refused to follow protocols filed and refused to fund restitution as prescribed by orders filed by CFPB, XX/XX/22.
In lieu of relief, Rushmore Loan Management has aided law firm with the suppression of loan documents, have engaged in threats, intimidation and have abused their power with retaliations, suppression of my targeted identity theft, attempts to " sanction '' me, victim for showing cause of contempt of CFPB, the verification of countywide loan fraud schemes of over {$300000.00} USD from my lawful property, without any permission of authority to do such.
I have supplied CFPB with threats directly from the parties involved and any threats, intimidation and retaliation to victim of loan fraud identity fraud scheme is directly contempt of CFPB orders, as consent and injunctive relief, plus stalling my restitution is obstructive of CFPB orders filed XX/XX/22.
I have sought relief that CFPB and XXXX XXXX/RUSHMORE LOAN MANAGEMENT have denied with enthusiasm to harm victim after the fact and accessory after the fact.
All motives to fraud must cease to direct violations of CFPB.
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| 04/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Dear Consumer Affairs representative, On XX/XX/XXXX, my mortgage was sold to a new creditor, XXXX XXXX XXXX- XXXX XXXX XXXX XXXX . Rushmore loan management services LLC was identified as the new servicer of my loan, including collection of my mortgage payment.
In XX/XX/XXXX, I sent my mortgage payment in the form of a cashier 's check via certified mail to Rushmore. Upon its receipt, it is to be signed for by Rushmore and I, the sender, receives a return receipt. There is also a tracking number ( # XXXX ) on the postage, where I can track the mail to the location. The mail got there XX/XX/XXXX, but they did not pick up the mail until XX/XX/XXXX. The receiver was XXXX XXXX. On XX/XX/XXXX, I received a notice in the mail that my payment was not received. The date of the notice was XX/XX/XXXX.
On XXXX XXXX, I placed a call to the servicer explaining to them that the mail was there for pick up on XX/XX/XXXX and that XXXX XXXX signed for the mail on XX/XX/XXXX. I was told that they put the payment in the system on XX/XX/XXXX, hence they deemed it late.
For the XXXX mortgage, I changed my method of payment and sent it through XXXX XXXX as they identified this as an method of payment they accept. I called the following day and spoke to the representative XXXX to make sure they received the payment. I was told he did not see a payment made to the account and if it was sent in, they will enter it in their system later. On the statement due XX/XX/XXXX, I was charged a late fee again and was even reported to the credit bureau.
I am deeply distressed with the blatant disregard Rushmore has for its consumers. I need them to clear my name with the credit bureau and bring my account to current. Further, I no longer wish to do business with them, as their business practices appear to be unscrupulous and not consumer oriented.
As a XXXX XXXX, I have lost substantial sleep over the last 60 days. Daily, I am putting my life on the line to instill hope in every XXXX I come in contact with and to put a smile on their faces whenever possible. I have XXXX, family members, and children that are depending on me. The last thing I should have to worry about is a mortgage servicer that is cheating the American Consumer out of their homes. As an essential part of the workforce, it deeply saddens me that this company takes advantage of its consumers in this way to line their pockets. It is a shame and they should not be in business.
I anxiously await and anticipate your response.
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| 11/18/2019 |
Yes |
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- Trouble during payment process
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Web |
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Rushmore Loan Servicing has failed to correct my monthly escrow payment despite 4 calls over the last two months. My loan was for a new home. Since there were no prior property tax records because of new construction, taxes were estimated at closing to be approximately {$4500.00} annually. The actual assessment came back at the end of XX/XX/XXXX, with a note stating it was a copy and not a bill and the bill was sent to Rushmore. The assessment indicated the actual taxes turned out to be {$2500.00} annually. Since the taxes were to be paid soon, I immediately called Rushmore to make sure they did not over pay and to ask for an escrow refund and analysis, since I was paying almost double what was required for almost a year. The first call was to the tax department. Although I could see on the online system they had the bill and were paying to {$2500.00}, it showed they were going to pay it twice a year. I asked her to correct it to the once a year payment period as indicated on the bill. The representative said she would. When I checked back a few days later, it showed once a year, but she failed to correct it to the lower amount, so I called back again. This time the tax department told me I had to speak to escrow. So I called escrow. The man I spoke to seemed to understand what I explained. He told me he would do an immediate escrow analysis based on the {$2500.00} once per year, send me the escrow overage, and have the account analyzed so my payments would be lowered to reflect the new lower monthly escrow obligation effective XX/XX/XXXX. So I signed on today and learned that an escrow overage check was processed, my taxes showed as paid once per year but still at the {$4500.00} amount, and my monthly payment had INCREASED, NOT decreased. So I called in again and the tax rep, XXXX, told me I should have talked to them first so they could adjust the tax lines before the escrow analysis so that it could be done right. She then said it would take ANOTHER 21 days. The problem with that bad service response is that I DID start with them and they already got it WRONG. So two months later, and apparently another 21 days before I can check to see if they get it right the fourth time, here I sit, HIGHER payments, wrong tax lines, and waiting for the escrow overage I first started requesting 60 days ago. RESPA, RESPA, RESPA. Arent there servicing and timeline requirements for escrow overage refunds? Do they somehow not apply to my loan? This is NOT that difficult.
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| 02/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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XXXX XXXX has failed to communicate instructions on the process of the short sale and now the homeowner is at risk of losing the property. On XX/XX/XXXX, we requested that Rushmore open a file to have the property reviewed for short sale. They advised that because their system reflected an open loan modification review, that they would need to have that closed first in order to have a short sale opened since both could not be opened concurrently. I made them aware that this needed to be escalated since their was a sale date approaching on XX/XX/XXXX. On XX/XX/XXXX, I followed up with them to see if it had been completed and the representative advised that it had not but either way, we would have ample time to proceed with the short sale especially since we already had a buyer. Again, I reached out onXX/XX/XXXXand spoke with another representative who advised me to send in an authorization along with the listing agreement to their designated fax number. He advised that this would at least open up the workstation. I faxed in all documentation the same day. I understand that it takes Rushmore approximately 24-48 hours to have the information uploaded into their system so i called back on XX/XX/XXXX to confirm receipt that the fax had been received. At that time, i spoke with someone who confirmed receipt and went over what other document they would need to proceed. We gathered all the documents and faxed them out onXX/XX/XXXX. I called yesterday to confirm receipt and spoke with a Rep that they had been received but that the short sale would not be reviewed. When i asked why, he advised that the information would have had to been complete 30 days prior to the foreclosure sale date ofXX/XX/XXXX. I tried to explain to him that this is not what was being told to us and we followed the instructions of all the previous representatives that i had spoken to. He rudely advised that me being in the industry would have know this obvious guideline. I let him know that i in fact have been in the industry for quite some time and also know that it is Investor specific and that it is customary that the Servicing company advise you of such guidelines depending on the Investor. He still disregarded anything i had to say and advised that either way they were going to proceed with the sale of the property. I just cant believe the level of service from him I received and just find it unfair especially to the homeowner who fought so hard to prevent foreclosure in the first place.
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| 02/01/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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I am a minority, single, elderly woman in Bankruptcy Chapter XXXX and I was working with XXXX to modify the mortgage. Now they have locked me out of my own house! They have a sale schedule on the XXXX of XXXX and I ca n't enter my own house or get my personal belongings! This is illegal! XXXX either sold, owns, or is the servicer of the mortgage to XXXX XXXX XXXX / Rushmore address. I send a Qualified Written Request letter to all companies to find out who the real lender is. I am also challenging all the security deeds as they said that myself and my ex-husband XXXX executed them and that XXXX is out Attorney in Fact. The attorney for the Servicer who notified for regarding the Sale set for XX/XX/2017 id XXXX XXXX, XXXX at XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. The Notice of the Sale and security Deed is XXXX ( XXXX. as Nominee for XXXX XXXX XXXX, transferred to XXXX Investors. I spoke with Rushmore 's representative and I told them that I was presently in Bankruptcy Chapter XXXX but wanted to do a modification and asked them to send me the paperwork. The representative said that would not be a problem and that they would work with me on modifying the mortgage. I also told her I wanted to make sure of the real owner the mortgage as XXXX send me another letter saying they are still the servicer. Then I received another letter that XXXX was and another that Rushmore was. This IS very confusing and unethical! I never received the paperwork for the modification and then received a notice of from their attorney, XXXX. I replied to the attorney in XX/XX/XXXX and let him know I am in Bankruptcy as all their correspondence said they were a debt collector attempting to collect a debt. The next correspondence I received was a Foreclosure Sale set for XX/XX/XXXX in 3 weeks. I called the representation and explained again that I had never received the paperwork for the modification. She then told me it was too late to do a modification and that it was set for sale. I explained again that I am still in bankruptcy and she argued with me and said my bankruptcy was dismissed which it is not! I told her they could contact my attorney and he would tell them I am still in Bankruptcy. She said there was nothing she could do. I am still in Bankruptcy and it is active. My attorney 's name is XXXX paperwork and case number attached. The representative said I have 3 weeks to get my furniture and personal items out of my house or I would lose even my personal belongings! XXXX
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| 09/09/2016 |
Yes |
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- Charged fees or interest I didn't expect
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Web |
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I was told that I would be charged a one time fee. The fee is {$230.00}, and they 've broken it down as follows after logging into their website : 2Sign Loan Agreement CONSUMER LOAN AND ARBITRATION AGREEMENT Lender : XXXX XXXX XXXX, XXXX, d/b/a Rushmore Financial ( referred hereinafter as " Rushmore '' ) Mailing Address : XXXX. XXXX XXXX XXXX, SD XXXX Telephone : ( XXXX ) XXXX Fax Number : ( XXXX ) XXXX XXXXXXXXXXXX Borrower : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Borrower 's Bank : XXXX XXXX XXXX XXXX XXXX Account : XXXX Loan Number : XXXX In this Consumer Loan and Arbitration Agreement ( the " Agreement '' ), " you '' and " your '' refer to the Borrower identified above. " We, '' " our, '' " us '' and " Lender '' refer to Rushmore, an arm of the XXXX XXXX XXXX of South Dakota, a federally recognized XXXX tribe. " Loan '' means this consumer installment loan.
-TRUTH IN LENDING DISCLOSURES : The disclosures below are provided to you so that you may compare the cost of this loan to other loan products you might obtain in the United States XXXX Our inclusion of these disclosures does not mean that we or any subsequent holder of the Agreement consent to application of state or federal to us, the Loan or this Agreement. The table below details the maximum payments and costs to the extent periodic payments are made for the full cycle of the loan which can be reduced upon early payment of the Loan.
TRUTH IN LENDING DISCLOSURE ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate.
669.1667 % FINANCE CHARGE The dollar amount the credit will cost you.
{$3200.00} Amount Financed The amount of credit provided to you or on your behalf.
{$700.00} Total of Payments The amount you will have paid after you have made all payments as scheduled.
{$3900.00} Your payment schedule will be : Date Amount XXXX/XXXX/XXXX {$110.00} XXXX/XXXX/XXXX {$230.00} XXXX/XXXX/XXXX {$230.00} XXXX/XXXX/XXXX {$230.00} XXXX/XXXX/XXXX {$260.00} XXXX/XXXX/XXXX {$250.00} XXXX/XXXX/XXXX {$240.00} XXXX/XXXX/XXXX {$230.00} XXXX/XXXX/XXXX {$210.00} XXXX/XXXX/XXXX {$200.00} XXXX/XXXX/XXXX {$190.00} XXXX/XXXX/XXXX {$180.00} XXXX/XXXX/XXXX {$170.00} XXXX/XXXX/XXXX {$160.00} XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$130.00} XXXX/XXXX/XXXX {$120.00} XXXX/XXXX/XXXX {$110.00} XXXX/XXXX/XXXX {$100.00} XXXX/XXXX/XXXX {$92.00} XXXX/XXXX/XXXX {$81.00} XXXX/XXXX/XXXX {$69.00} XXXX/XXXX/XXXX {$58.00} XXXX/XXXX/XXXX {$46.00} They only posted this information after my loan was issued.
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| 10/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX took over the loan on XX/XX/XXXX, my account wasn't behind. They sent a welcoming letter sayin to begin making payments. They were aware of the balloon payment. They were also aware of my XXXX XXXX XXXX 's death. They received payments until XX/XX/XXXX and the ending balance then was {$28000.00}. XXXX was asked about a payment history repeatedly ( as was XXXX ). Once asked, Rushmore began foreclosure procedures. That's when a XXXX XXXX XXXX took over. After the foreclosure was stopped, XXXX XXXX and I went to court. Judge XXXX advised XXXX and XXXX to get with their clients and see who the rightful servicer of the loan was. After court, Rushmore sent a letter dated XX/XX/XXXX saying that they wowuld get back with us regarding the rightful services. We didn't hear back from them until XX/XX/XXXX, saying that XXXX XXXX was the servicer of the loan. XXXX XXXX are the same ones that purchased at foreclosure after XXXX said that they bought it at foreclosure. They were contradicting each other as to who was the servicer, but I had been making payments to XXXX.
When any inquiries were made, the constantly continued to change not only attorneys but also contact information for them. They continued to put the case off.
Their new attorney, XXXX XXXX XXXX, in not including pertinent documentation relevant to this case.
Such as my payment history and the agreement for me to continue making payments despite the balloon payment. At no point was a I given a mediator or allowed a redemption period.
I've been an occupant for 20 years. Not only was I an occupant, I had a Deed plus I had special dual power of attorney. I had an ownership card in the property assessor 's office and making payments on the loan # XXXX with XXXX & XXXX. As both companies agreed with me to pay off the loan.
They are changing attorneys so fast and selling my loan to the point that it is nearly impossible for me to keep up with the filings. I have constantly checked the court house records because I haven't been receiving information on a timely manner. For example, I had to purchase the recent court document on XX/XX/XXXX from the courthouse and a week later I received the original in the mail.
I am asking them to provide a run down on were my money was going because I've been paying on the principal and interest.
I tried paying off sooner with a new loan but I was never given a payoff and the longer I inquired the longer it took for them to respond.
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| 05/07/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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On XXXX XXXX, 2019, the property associated with this mortgage was placed on the market to be sold. On XXXX XXXX, two days later, the property was placed under contract with the closing date set for XX/XX/2019. At this point, the lending agency, Rushmore, was contacted to ensure closing protocols were in place. An inquiry was made concerning the upcoming XXXX mortgage payment. We asked if the final payment that would be made upon closing would suffice in lieu of XXXX 's mortgage payment. We also asked if this would create a negative report on our credit. We were assured by Rushmore that the final payment upon closing would be acceptable and that no negative report would be made showing a missed payment. As such, a final payoff amount was requested to complete closing paperwork. However, Rushmore failed to submit the final payoff as requested by both the loan holder and the closing attorney. This resulted in a delay in payment. Upon closing, the closing attorney secured an anticipated payoff amount from the purchasing lending agency and held all funds awaiting Rushmore 's response. Numerous requests were submitted by both us ( the loan holder ) and the closing attorney. We were informed by Rushmore that the payoff amount could not be emailed nor provided over the phone. It had to be faxed, which they failed to complete. After weeks of repeated attempts, the secured payment that was being held was finally made and we were assured that any overage would be reimbursed. In addition to the delay, Rushmore, in turn, reported missed mortgage payment ( s ) causing a negative impact on our credit score. As of recent, we are still receiving notices and mail at our current address offering assistance with our missed mortgage payment ( s ). This is quite disheartening since the advanced notice was provided. We have never missed a mortgage payment. Throughout the duration of this loan, we have included additional money in attempts to repay this debt in advance. We have worked hard to maintain an upstanding credit history and feel that the reporting and current credit score does not reflect the efforts we have put forth. We have contacted Rushmore on several occasions and have been assured that our file will be noted to reflect the most accurate information. However, little effort has been made on their behalf to depict accuracy in this matter. We are requesting reparation be made to ensure our credit score to repaired to reflect our diligence towards this account.
|
| 10/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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My house was stolen.
1. XXXX XXXX XXXX Illinois XXXX XXXX ( XXXX XXXX ) commenced a foreclosure complaint with a summons.
2. I filed an Answer to respond the complaint 's claims and formally raise my defenses and filed an Appearance.
3. XXXX XXXX moved for a motion for a summary judgment.
4. I replied to the motion of the summary judgment and requested to strike to dismiss the case.
5. XXXX XXXX failed to provide its answer to my reply.
6. XXXX XXXX requested the judge for an extension of time. The Judge allowed the extension.
7. XXXX XXXX failed again to provide my answer.
8. As a result, I moved a motion to request the judge to strike and dismiss the case with prejudice.
XXXX. The judge entered a judgment to STRIKE OR WITHDRAW MOTION OR PETITION ALLOWED on XX/XX/2011.
10. The STRIKE OR WITHDRAW MOTION OR PETITION ALLOWED. In foreclosure its used to dismissing the case, remove the case from the court, and the case was allowed by the court to be withdrawn.
11. When the case is dismissed with prejudice, the plaintiff is barred from filing a lawsuit on the same issue.
12. When a summary judgement is granted and the case is dismissed with prejudice, it is a final order or judgment, and the plaintiff can be appealed. XXXX XXXX XXXX Illinois XXXX did not appeal.
13. After several years, XXXX XXXX XXXX Illinois XXXX XXXX proceeded a legal action. Instead of filing a new case, they took the old, dismissed case number and forged, altered and redacted key information on the case.
14. They redacted my Answer the complaint filed, Appearance, motion to dismiss, numerous motions, memorandum in support of motion file, and proof of services filed.
15. They went to a judge and claimed I failed to file my Appearance and failed my Answer of the complaint and requested a default judgment. The judge allowed the judgment. With a default judgment, XXXX XXXX XXXX Illinois XXXX got everything it asked for in the complaint, including the right to sell your home at a foreclosure sale.
16. I never knew I was foreclosed and that my house was sold. I had gotten a letter from XXXX XXXX XXXX Illinois XXXX sold my house by assignment to an investor. The investor told me that I was in foreclosure, and I needed to do a modification loan, or I would be evicted. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
17. The foreclosure and the assignment were fraudulent, and they didnt have to right to sell my house.
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| 11/20/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
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Web |
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We are filing a complaint against Rushmore Loan Management Services. We are in a forbearance due to a natural disaster until XX/XX/XXXX, that has been confirmed. Even though we pay our monthly escrow payments as agreed on time, and never missed a payment, they keep reporting us to the Credit agencies as being over 180 days past due since XX/XX/XXXX. This has caused our credit score to dramatically drop over 130 points each. Although we continue to call the Loss Mitigation dept weekly and leave constant messages with our Point of Contact Reps, we do not receive any call backs from them. We have gotten through to other reps in that dept occasionally that can see the remarks in their system and confirm we are in a forbearance which we have a certificate and letter confirming as well, and they say that we should not be getting reported and insist it will be corrected and they will forward our information to a manager for prompter assistance, but so far nothing has been rectified or addressed. They even recommended back in XXXX that we write a dispute letter, and provide copies of each of our credit reports showing the inaccuracies by at least one of the Credit agencies proving our claims and fax to dispute department, which we did do on XX/XX/XXXX. They sent us a letter on XX/XX/XXXX saying they were taking the derogatory marks off for XXXX and XX/XX/XXXX only and it will take 30 - 45 days, however our reports as of today XX/XX/XXXX, are still showing delinquent and past due 180 days for XXXX, XXXX, XXXX, and XXXX and our scores are still down over 130 points. Also, we get at least 2 calls a day from Rushmore 's automated system claiming we are past due on our account, and we have received letters on our front door every several weeks to call them about our " past due '' account. We continue to call and continue to leave messages with the Reps and still this has not been rectified and we are beyond frustrated now. We have also contacted the Credit agencies ( XXXX XXXX, XXXX, and XXXX ) and disputed the derogatory marks as well, but they responded to us that they are being told by Rushmore Loan Services that we are still past due on our account over 180 days, which is incorrect and very frustrating for us. We are at a loss as how to get this corrected and need assistance asap so we can get our credit scores back up over the 130 points that has dropped because of these inaccuracies reported to the Credit Agencies. Any help would be extremely appreciated.
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| 09/17/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
Older American |
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In XXXX, my home and farm was appraised for XXXX XXXX. I borrowed {$140000.00}. This was done through XXXX XXXX. It was serviced by XXXX. Was then transferred to XXXX XXXX XXXX. I never missed a payment and was never late on a payment. In XXXX, XXXX, I received a letter stating that my taxes and insurance were in default and I had 30 days to produce proof of payment. The next day I received a lettered stating that XXXX XXXX XXXX had paid the taxes and insurance and that my payment had increased from $ XXXX to $ XXXX/month. My insurance had already been paid and the taxes were not due. I called and was told that I could get a modification and that I was to stop Making payment for 60 days and this would qualify me to get a lower interest rate from XXXX, smaller payments and longer term. That the entire process would be done in house and not affect credit. I agreed to do so. In 30 days I received a late notice. When I called I was told not to worry it was taking longer to complete mods because of the huge number of requests. The following month same. In XXXX, XXXX all of my credit cards went from 2.9 % to 32.9 % interest and I found that XXXX XXXX XXXX was filing this with credit reporting agencies. In XXXX, XXXX XXXX XXXX tried to foreclose on my home. I was able to get it stopped. They denied me on XXXX modification attempts, kept my trial payments and tried to foreclose 9 times by XXXX. During this time, I had XXXX XXXX, my daughter had XXXX XXXX, my son-in-law had a XXXX, and my son had to quit school to handle XXXX XXXX XXXX since they were threatening that if we missed a call, they would make decisions without us to take my home. Finally, i filed bankruptcy so that i could try to keep my home. Since i had always paid my taxes and insurance, I went to the tax accesor and my insurance company and paid them privately. At this point, XXXX XXXX XXXX transferred the account to a company named XXXX. They would not answer any phone calls or respond to me in any way. After a few months, XXXX sold the loan to a company with Rushmore as the servicer. Now they are trying to get a release on the property for the purpose of foreclosure with a court date set for XXXX XXXX. I need a resolution to this issue. I have. Complete paper trail from XXXX and a letter from XXXX XXXX XXXX that states that this loan only defaulted for the purpose of modification. That they are sorry for any inconvenience. I 'm XXXX. I need to retire. I have fought with all I have. Help.
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| 09/22/2022 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Older American |
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Dear CFPB ; 1. I really need help because XXXX XXXX response to my complaint alleges there was no defective corporate transfer however, evidence will prove it has been 48 months since the lender conducted a corporate transfer, went into my bank account, took funds, refuse to apply them to my note and refuse to return the funds. As a result of their unwillingness to admit they committed errors, foreclosure proceedings were initiated against me for funds the institution is still holding 2. On the other hand, when XXXX XXXX XXXX conducted a defective corporate transfer, the financial institution refunded my payment and offered options to assist with keeping my home ( Ex A ) 3. XXXX XXXX refusal to correct the defective debt assignment caused the institution to violate debt collection laws when on XX/XX/XXXX, XXXX XXXX mailed two Notice of Sale of Ownership of Mortgage Loan letters to my home that alleged it was a debt collector, and its purpose was to collect a debt however, XXXX XXXX di not hold the note and no debt was owed to XXXX XXXX ( Ex B ) 4. XXXX XXXX continued to violate debt collection laws that interfered with my efforts to save my home when the institution filed a false objection to an approved payment plan in the XXXX XXXX XXXX. Instead of correcting the defective corporate transfer XXXXXXXX XXXX submitted false affidavits, and filed two false claims that alleged there was a corporate transfer in XX/XX/XXXX, ( See Ex D ) 5. On XX/XX/XXXX, XXXX XXXX response to my complaint to the CFPB alleges XXXXXXXX XXXX conducted a corporate assignment with XXXX XXXX on XX/XX/XXXX, and recorded the deed in XXXX.
6. XXXXXXXX XXXX obviously have no plans to correct their errors and my efforts to save my home continue to fail due to their conduct. XXXX XXXX have floundered the XXXX XXXX XXXX and continue to hold me in a state of oppression because of the refusal to voluntary dismiss the XXXX XXXX XXXX foreclosure proceeding. I believe the foreclosure proceedings is Res judicata 7. In the past XXXX recorded a corrective corporate assignment while XXXX XXXX XXXX prevented a foreclosure by refunding a partial payment. XXXX XXXX XXXX refusal to correct its failures has caused the institution to violate debt collection and other laws then hold me financially responsible. XXXX XXXX is a XXXXXXXX XXXX institution that will continue to impose abuse upon me upon me because I am indigent and therefore, I need your help to prevent a defective foreclosure
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| 07/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Hello I am hoping someone can help me with the problems I have been having with Rushmore Loan Management Services. They have been servicing the loan since XX/XX/XXXX and it has went down hill from there. I have received incorrect fee 's, modified payments, they have forced hazard insurance when I have homeowners insurance that is included in my monthly payments but their letter stated my homeowners insurance sent a letter of cancelation for nonpayment. I have been financially affected by Covid-19 and spoke with them several times with no luck for them calling me back or sending me any information in a timely manor. Finally on XX/XX/XXXX I spoke to a young lady about a repayment plan that would extend over the next 12 months that would be affordable so XXXX I would start making those payments. I also asked her if I was in Foreclosure status and she stated that no I was not. I was so relieved, but then comes XX/XX/XXXX and I get a letter stating that my home is in foreclosure status and I could not understand why when I had just spoken to someone for payment arrangements and didn't even receive my paperwork to send anything in for a possible Modification on my Mortgage yet .... Not to mention I had made my payment in XX/XX/XXXX and they are stating that I didn't so my mortgage wasn't even 120 days late. Even after all this back and fourth I would not get the packets I was told they would be sending or they would not respond to the Modifications packet or state that they needed more time.
Miscommunication between the lender Predatory tactics ; Failure to give the proper notices ; Failure to accelerate ; and Misapplication of payments.
Then they placed me in an impossible situation that was unaffordable making me put {$2500.00} down to save my mortgage from foreclosure on XXXX XXXX and pay {$2200.00} starting XX/XX/XXXX which I couldn't afford that was more than double my payments every month. They stated that they couldn't stretch my payments for 12 months but 2 other representatives stated that they could so I was late for the XXXX payment and they sent a notice stating that I was late and then the only reason that I knew my home was sold at a sheriff sale was because a realtor came to my home offering to help me sell it in the redemption period. 1. more thing about not receiving the notices from them they only sent these notices that I have now XX/XX/XXXX and I didn't receive some of these notices at all prior to XX/XX/XXXX.
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| 10/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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To whom it may concern, I have been with Rushmore loan management since XX/XX/2018. I have tried to modify my loan numerous times. I have always been denied. I know I am extremely past due and I have tried everything in my power to get back on track. Unfortunately, I am just too far behind. I have exhausted all of my Covid forbearance options. I was advised I can't extend it. I contacted numerous housing and urban development to try to assist me with Mortgage Delinquency and Default Resolution Counseling.I have not heard back from any institutions. I reached out to the XXXX XXXX neighborhood housing services Inc. agency ID number XXXX. I reached out to XXXX XXXX and XXXX XXXX XXXX XXXX ID XXXX just to name a few. I reached out to numerous others in my area and Im not sure if it is because of Covid that nobody answers the phone, but its always machines stating somebody would get back to me. I have plenty of equity in my property so my last resort and last option is now to obtain a private money loan. I can not get a regularloan due to my credit and delinquency, and I held off on private money because the rates are higher than normal loans. I currently already have a 6.7 %. Because of the numerous amounts of equity I have, I qualify for a rate of 9.99 % Right now, the only issue is my current foreclosure sale date that is scheduled for XX/XX/XXXX. I did call Rushmore and advised them that I am going to be refinancing and pay them off entirely. Today I spoke to a supervisor and advised them as well. At this time I am asking/begging for a loan extension. Rushmore stated that there is nothing left for me to do other than to pay them in full which is exactly what I am trying to do. Please see the attached document showing I have been approved and we have indeed already started this process. Rushmore can confirm that I indeed have requested a payoff demand. These private money loans close extremely fast as they do not have the same specifications as a regular loan. However I was advised I would need a sale date extension. I am begging you to please allow me to pay this loan off/give me a little bit more time to close this loan. I am waiting for the Rushmore loan management payoff demand as well as a few others. Escrow has already gotten to work and as long as we get this extension, I will pay all parties in full within the next 30 days.My house is worth XXXX. Please let me utilize this last option to save my home.Thank You
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| 08/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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I XXXX XXXX XXXX XXXX XXXX widow who lost her 35 years marriage partner with XXXX in XXXX, who been financially broken since the loss of my husband my life partner who basically handled all of our finances for 35 years and our mortgage payments asking this lender ( Rushmore Loan Management ) to stop denying me assistance and helping the investor to force a sale of my home. This is the only home left in my name since my husband death and it's been a year and I keep trying to reason with them people to modify my loan but they keep stating I have too much obligation, but I don't have anymore because all of my other homes were basically are gone and I no longer have any obligation beside my home that I live in now and it's the only home I got to shelter in, they keep want to forclosure on me and I dont understand why, I kindly seek modification to start making my mortgage payments, I have the income and I have 2 solid contributors who support me financially and emotionally ( my nephew and my sister In law ) whom been my back for the past couple of years and my sister in law now lives with me and as family will pay off this loan. Please grant me the assistance and STOP THE SALE IMMEDIATLEY scheduled for XX/XX/XXXX please. these people are pure evil, they even forced me to file BK to stop the last sale date which was scheduled XX/XX/XXXX and they made me file BK just to stop a sale, is this justice? they committed so much fraud and unethical practice and pretend they practiced ethics! please I have lots of proof of illegal practice if you can just let me send you all the proof to sanction them and stop them from practicing in state of California. Attached is screen shot from Rushmore portal dated XX/XX/XXXX showing active modification but on the XXXX XXXX they said incomplete file and sale scheduled for XX/XX/XXXX can't be canceled but on XX/XX/XXXX they have the loan in active modification and they had all documents and file complete on XX/XX/XXXX I have email with XXXX XXXX stating they received documents but XXXX has not yet reviewed the documents received so why did they not cancel XX/XX/XXXX sale? why did they make and force me into BK filing to save my home? what kind of people dose this to a XXXX XXXX XXXX widow? I can not believe why CFPB not doing anything to help us from these corrupt servicers. as of today, they have everything so why they delaying the review? thank you and God bless.
Sincerely, XXXX
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| 02/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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XXXX XXXX and Rushmore have seriously damaged my familys financial situation costing us hundreds of thousands in unnecessary fees, penalties, and interest.
Specifically, the bank commandeered the insurance proceeds from a fire, refused to apply those funds to the principle balance of the loan, refused to re-amortize the remaining balance, trashed my reputation with other banks eliminating any opportunity to refinance or go to a competitor, rejected three attempts at a loan modification, ignored multiple letters asking for documentation, ignored dozens of phone messages to representatives telling me they are my single point of contact, loaded our home mortgage with unnecessary and inappropriate advanced fees and balances for duplicate insurance & advanced tax payments, attempted an aggressive foreclosure without warning, added additional legal fees, finance fees, and taxes, refused to restructure credit card debt, withheld funds unnecessarily forcing overdraft fees, denied a land-only loan for the home that burned, sold off the note to Rushmore making it impossible for me to even talk to XXXX XXXX and making it impossible for Rushmore to address any historical complaints, and now they continue to destroy my reputation through bad credit scores, forcing me to pay egregious credit card rates on the remaining debt and burdened us with a mortgage debt we do not owe and an interest rate well above the conforming market rate.
XXXX XXXX told us the only way to get a loan modification is to go into default. Then, they trashed our reputation and slandered us in the marketplace through a bad credit score, even though they told us to do it. Now, were stuck like indentured servants to them. We cant go to another vendor and they wont make any changes to the loan.
Theyve locked us into a 5.5 % mortgage rate when we should only be paying 3.3 %. This is costing us $ XXXX in interest we should not be paying. Plus, this has been going on for years, so the additional interest paid is roughly {$200000.00} and counting.
Please see the attached summary of letters, activities, dates, amounts, etc..
Rushmore continues to claim they have no history of the XXXX XXXX activity, and XXXX XXXX continues to claim they no longer own the note, so we have to talk to Rushmore. Its a vicious circle with no resolution. Its also extremely expensive, stressful, damaging, and soul-crushing to our family.
Anything you can do to help?
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| 03/14/2023 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Older American |
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Mortgage was sold by XXXXRushmore to XXXX prior to first payment being due. Received welcome letter and first invoice from XXXX for first mortgage payment due XX/XX/XXXX. First payment made on time to XXXX. Meanwhile, XXXXRushmore Loan Servicing Collections Department began calling. Total of 4 calls received with 3 messages left on XX/XX/XXXX, XXXX and XX/XX/XXXX. Return calls to Rushmore were made each time, however unable to reach anyone due to office being closed, or transferred multiple times without speaking with anyone and eventually gave up and hung up each time. The last call on XX/XX/XXXX from Rushmore, asked the rep to speak with my daughter, I am elderly and she was difficult to understand. The rep kept asking to verify my phone number, which we both know she did not have because my daughter has been handling things. I had my daughter on speakerphone, and admittedly we were both annoyed and upset with this reo. When she finally discussed this mortgage that is no longer with them, she insisted they still had the mortgage until XX/XX/XXXX and said Rushmore needed to be paid. When it was explained to her that the transfer paperwork had already been received by XXXX and that the payment had already been made to them, she said the loan would be transferred on XX/XX/XXXX indicating that the first payment had not been paid!!! This of course infuriated me and my daughter. It was obvious the rep kept putting us on mute, but never put us on hold to check with a manager about the validity of what she was saying. Besides, the payment, if it had still been with Rushmore, it would not have even been past due. The next day on XX/XX/XXXX, Rushmore 's notice to transfer was received. It stated payment was still to be paid to them since they had the loan until XX/XX/XXXX ... .so, why did it take until XX/XX/XXXX to get Rushmore 's notice of transfer, and why was XXXX XXXX notice and 1st billing received in XXXX stating to pay them? Please note that after the 3rd call, an email was sent to XXXX loan department copying the loan officer and loan processor, explaining the apparent issue, however there was no response from them. I believe Rushmore is in the wrong here, and I do not want them reporting my payment late. I did what I was supposed to by acknowledging XXXX notice and paid them on time. Rushmore, late to the party, trying to collect additional funds on a loan they have already sold to XXXX is just wrong.
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| 04/20/2020 |
Yes |
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- Trouble during payment process
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Web |
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My previous mortgage company was XXXX XXXX XXXX. In XX/XX/XXXX, I received a generic letter stating that the loan was being transferred to Rushmore Lending, that is all the letter contained. I contacted Rushmore and explained that a third party ( XXXX XXXX ) was making mortgage payments on my behalf. I was told that nothing could be done at that time due to not having a full transfer and an account number. I was assured that once an account was established I would have sufficient time ( three months ) to get back on track.
I contacted Rushmore in XXXX, they still did not have an account number. XX/XX/XXXX, I was contacted for payment from Rushmore. I explained again about the third party payments and asked for an account number. I contacted XXXX XXXX provided them with the account number and they reached out to Rushmore for the amount needed to bring the account current. I followed up with XXXX XXXX at the beginning of XXXX and was told that Rushmore had not responded to their request. During this time I have received multiple phone calls, at least two packets of foreclosure documents and recently ( XX/XX/XXXX ), a representative left blank debt paperwork on my front door ( violating the Governor 's Executive Order ). I contacted Rushmore Lending ( XX/XX/XXXX ) about the harassment and they did not deny it. I demanded that they stop.
XXXX XXXX has paid Rushmore Lending dated {$1900.00} for the months of XXXX. Regular payments in the amount of {$650.00} will begin XX/XX/XXXX.
The following is a copy of the email that was sent to me from XXXX XXXX. I can submit the original email if I am provided an email account to send it to.
XXXX Important Notice Inbox hhfcustomerservice XX/XX/XXXX, XXXX XXXX to me The Illinois XXXX XXXX XXXX.
This is to notify you that your Servicing transfer is complete and that XXXX resumed making mortgage payments on your behalf.
Reinstatement Payment : {$1900.00} Date : XX/XX/XXXX Monthly Mortgage Payment : {$650.00} Date : XX/XX/XXXX *Estimated Final Assistance Payment Date : XX/XX/XXXX A program conclusion notice will be sent in the mail after the last payment is made. You are responsible for your mortgage payments after the Final Assistance Payment Date. Effective, XX/XX/XXXX resume-making payments to your servicer.
XXXX-Customer Service XXXX My account is current, but they continue to harass me. This is unacceptable and I need it to stop immediately.
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| 02/28/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Credit decision / Underwriting
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Web |
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My mortgage loan was being serviced by XXXX Bank up until XXXX XXXX, when XXXX XXXX and I, XXXX XXXX, received a letter from XXXX advising that the mortgage loan was going to be serviced by Rushmore Loan Management Servicees effective XXXX XXXX. We had caught up with mortgage that was behind but we still owed late fees in the amount of {$900.00} ( which surprising enough is the same amount that we pay for our regular mortgage payments ). On or about the middle of XXXX XXXX, I called XXXX on the phone and spoke with a customer service representative regarding my interest in paying the late fees so that we can have a fresh start with Rushmore in XXXX. I specifically said to that XXXX customer service rep. that the {$900.00} that I was paying over the phone needed to be applied to late fees because the XXXX XXXX mortgage rent was already paid. Well, XXXX came and I called Rushmore and paid the XXXX rent. When I received the XXXX statement from Rushmore it said that we still owed the {$900.00} in late fees ( please keep in mind I already paid the late fees with XXXX - or so I thought ). I called XXXX back and spoke with customer service who informed me that instead of applying the monies towards late fees as I had asked, they applied it to the XXXX XXXX mortgage rent. I was furious! I had paid my mortgage twice!! I immediately contacted Rushmore and asked them to apply my XXXX overpayment towards my XXXX rent and they refused. They said that they needed a letter from XXXX indicating that they received the XXXX payment. After a couple of weeks and several visits to a XXXX branch, I was able to obtain a letter from XXXX advising that they indeed applied my XXXX payment to the XXXX rent. I faxed the letter to Rushmore on XXXX XXXX, XXXX, and as of today, my rent remains behind on month. I keep getting harassing letters from Rushmore asking for money to pay the XXXX XXXX mortgage - I have been paying the mortgage every month despite my efforts to get credited for the overpayment. I have complained to the Florida Office of XXXX XXXX XXXX XXXX XXXX and they sent a letter to them over a month ago and have still ignored the agency 's request for an explanation of why they have failed to credit my account accordingly. The letters Rushmore send to us, is very upsetting because we do not owe any mortgage rent. We have paid in time. The account is in my husband 's name but I am an authorized user on the account.
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| 09/07/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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Loan transferred from XXXX to Rushmore Loan Mgmnt Svc. My initial loan payment has been misapplied with 83 % of my payment being applied to interest ( last payment w/CapOne was approximately46 % ). I noticed this immediately and contacted RLMS by phone. First, I was told I was not calculating it properly ( I am a banker, so I do understand the correct methodology ). Second, I was told to write their Department of Consumer Affairs - mail or fax. Third, I called again and was now told my case had been escalated and it was not an isolated case. They asked me ( again ) when was my last payment ( note, payments have been auto-debited, on-time for 4 years - and Ive made additional principal payments ). They said they are reviewing it and would provide no timetable for resolution. No estimate, no guidance as to how to obtain an update other than checking onsite daily, calling daily, etc.
If your business is processing loan payments, it should be fairly simple to do so. And, if an error occurs, they should be able to correct it. Instead, this company is trying to charge me a larger amount of interest than when my loan balance was $ XXXX higher! I question if it is an error or intention and would like this resolved. Also - in researching this company, I have seen countless reports from individuals who can not even payoff their loan and leave RMLS ( they keep denying the payments for a number of reasons, delaying payoff, gaining interest ). I am worried I may not even be able to pay them off and get away!
The {$2600.00} payment was applied {$2100.00} to interest and {$450.00} to principal. The current loan balance is approximately {$370000.00} and the interest rate is 3.625 %. Original balance was {$560000.00}. Even on the original amount, the interest portion of the monthly payment would not be anywhere near {$2100.00}. Very cautious this is a scam to derive more interest payments from clients as many individuals would not check the details.
This is only the first payment due/made. I am questioning how long it will take to correctly apply the payment as future payments will further complicate the situation. I do not want this company to damage a strong credit history Ive established over many years. I also set up auto-debit before I realized there was a problem and am now worried what this company may do with this capability. Reports indicate they change amounts and debit at their own discretion.
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| 10/12/2022 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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RUSHMORE LOAN MANAGEMENT aided fraud loan schemes with bank loans that have been assumed for collection from XXXXXXXX XXXX that has been cited for identity fraud loan schemes for over a decade.
Rushmore Loan Management is working with the collections of all XXXXXXXX XXXX loans and will not provide any information to authorities about my identity theft loan fraud schemes that stole hundreds of thousands in loans away from my property.
The thief is reported to be in XXXX and will stopped paying off fraudulent loans, that Rushmore Loan Management refuses to supply any documents after I reported the loss and extensive damages.
Rushmore Loan Management refuses to compensate my losses per XXXXXXXX XXXX identity fraud schemes under several loan bank online website that XXXXXXXX XXXX owns such as XXXX, XXXX XXXX, XXXX, and possibly more names.
The property has been used to facilitate fraudulent loans without my knowledge and Rushmore Loan Management will not accept any accountability and hired attorneys XXXX XXXX XXXX, who use courts to harass and intimidate me, the victim of identity theft.
I am being harassed by attorneys of XXXX XXXX that assumed my identity, assumed data information and allowed fictitious loans schemes using my valuations, my property and my identity theft for financial crimes. I reported I am victim violated by identity theft fraud of their crimes and contacted authorities regarding fraudulent misrepresentation practices regarding fictitious loans.
Here is an example of bad communications and hostility to victim who shared all the CFPB orders that have been filed by CFPB for the protections of victims harmed by XXXX XXXX loan fraud identity schemes.
" XXXX XXXX, This is the last, and only, time I will address your various filings. They are nonsensical, irrelevant to the pending foreclosure action, and are sanctionable as frivolous pleadings. If you continue this course of conduct, I will seek sanctions. '' Sincerely, XXXX XXXX, XXXXXXXX XXXX Litigation Attorney Email : XXXX Tel : XXXX EXT XXXX Fax : XXXX From : XXXX XXXX XXXX Sent : Thursday, XX/XX/202XXXX XXXX XXXX To : XXXX XXXX XXXX Cc : XXXX XXXX XXXX Subject : Re : XXXX XXXX XXXX XXXX XXXX ; Case No. : XXXX I filed affidavits detailing federal racketeering, plus affidavits for relief due to counterclaim, detailing the public corruption, I filed affidavits for relief and had no response to those affidavits.
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| 08/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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Rushmore Loan Management Services continues to defraud and undermine the authority of the CFPB, FTC and other state and federal agencies, through negligent unfair violations of the FCRA, FDCPA and other state and federal regulations. Rushmore Loan Management Services has undisputedly re-aged an account first reported delinquent by XXXX on XX/XX/XXXX, and continues to extraneously verify by, Rushmore finds no evidence to support that your credit has been falsely re-aged. Your loan was acquired from XXXX XXXX XXXX on XX/XX/XXXX. At that time, loan was due for the XX/XX/XXXX monthly installment. Therefore, Rushmore is reporting your loan accurately. This is an insidious deception constituting intentional misconduct under both Federal and State Laws. The FCRA and case law is clear and unambiguous on this matter : the 7-year time clock starts running on the Date of First Delinquency ( DOFD ). Reporting of DOFD is, under FCRA 623 ( a ) ( 5 ), based on information obtained from the Original Creditor. One debt collector selling the debt to another collector is irrelevant to the 7-year rule. The federal FCRA and state statutes of limitations are separate and independent of each other. A review of the attached Customer Loan Inquiry, XXXX Notice of Intent to Cure, XXXX Account History, as well as, the series of attached credit reports, show PROOF POSITIVE that Rushmore Loan Management Services has illegally re-aged this account. The legal obligations under the FCRA Furnisher Rule completely discredit Rushmore Loan Management Services denial of involvement in improper investigations. Well-founded through disputes Ive already submitted, Rushmore furnishes falsified information to the CRA 's, repeatedly verifies it, then wrongfully shifts responsibility to the credit reporting agencies. Attached are dispute responses from XXXX, XXXX and XXXX evidencing Rushmore 's furnishing of fraudulent verifications. As a result of these reckless, wanton and intentional acts, I have suffered and continue to suffer considerable, irreparable, emotional, medical and financial damages. Rushmore Loan Management Services disregard and willful violations of the FCRA, FDCPA, and, my rights as a consumer, have caused unfair harm by seriously diminishing my credit rating, causing denial of credit, cancelled credit cards, missed job opportunities, escalated interest and insurance rates, and, loan terms I no longer qualify for.
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| 01/16/2022 |
Yes |
- Mortgage
- Other type of mortgage
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- Incorrect information on your report
- Account status incorrect
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Web |
Older American |
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In XX/XX/XXXX I went into a mortgage forbearance with Rushmore Mortgage due to work loss as aXX/XX/XXXXduring the XXXX XXXX Pandemic. Off and on at work I was made to stay home for for 10 day periods when exposed to XX/XX/XXXX or XX/XX/XXXX I was not in arrears when the covid forbearance started, I had no late payments.. At the end of the forbearance, after the loan modification and loan transfer to another company, I noticed one month of the actual forbearance was marked as late. On the same credit report the 3 months when I was making 3 test payments ( required, before they would to the loan modification ) were also marked late. On another credit report XXXX days was late also, one month of the 6 month forbearance and the 3 months of test payments. There was even a place that said 180 days late. No where in the original forbearance did it say I would be reported as late while following the rules for the forbearance. The test payments required were never mentioned as part of the forbearance but I was not given an option. The test payments were interestingly just slightly higher than the mortgage payment in the loan modification - but they were held not applied as a payment but those months listed as late pays.
The late payments of course, affected negatively on my otherwise " no late payment '' credit report. I was just closing on a refi, after being out of the forbearance longer 3 months, when the new mortgage company saw the negatives on the last pulled credit report. The new mortgage company tried to help resolve it with Rushmore, since they saw I followed the rules to the T and had good credit in the past. Rushmore has yet to respond to the last dispute I sent XX/XX/XXXX. The new Mortgage company XXXXXX/XX/XXXXXXXX were quite shocked with the lack of customer care. Phone calls, and I made dozens never resolve or answer these isuues. I also lost XXXX appraisal fee thanks to this negative report.
XXXX XXXX has been difficult for everyone, and in healthcare, besides the obvious risks, it often caused staff to lose work until they tested negative a few times after exposure, causing work loss. I felt like the covid forbearance would give me the time to get XX/XX/XXXXand catch up /keep up on my mortgage without negatives. Sad to see a company seemingly finding a way to punish someone who trusted them to do what the CARES act was trying to do, help people get on their feet again.
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| 08/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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My husband, who is the sole provider of my household, owns a travel agency which has been directly impacted by the covid-19 pandemic, resulting in financial hardship for our family. I have communicated this information to my mortgage lender - Rushmore Loan Management Services - both verbally and in writing, asking for a forbearance plan for our mortgage payments. They provided us with a payment deferral plan from XXXX ; however, when I asked for an extension of the existing payment plan or to be put into a forbearance plan due to our pandemic-related financial hardship, they mailed me a multi-page package requesting detailed information about my monthly income and expenses, as well as a copy of paystubs, bank statement from all my accounts, signed and dated tax returns, and last 3 months of Profit and Loss Statement signed and dated, among other things, in order to review and determine my qualification.
I would like to know my rights in this situation and if I am indeed required to provide the information requested on this packet in order to receive a forbearance from my lender, because according to CFPB 's website " Under the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, and guidance from federal agencies and the GSEs, there are two protections for homeowners with federally or GSE-backed ( XXXX XXXX or XXXX XXXX ) or funded mortgages : First, your lender or loan servicer may not foreclose on you until at least XX/XX/2020. Specifically, the CARES Act and the guidance from the GSEs, the FHA, the VA, and the USDA, prohibit lenders and servicers from beginning a judicial or non-judicial foreclosure against you, or from finalizing a foreclosure judgment or sale. This protection began on XX/XX/2020, and extends through at least XX/XX/2020.
Second, *****if you experience financial hardship due to the coronavirus pandemic, you have a right to request and obtain a forbearance for up to 180 days. You also have the right to request and obtain an extension for up to another 180 days ( for a total of up to 360 days ). ***** You must contact your loan servicer to request this forbearance. There will be no additional fees, penalties or additional interest ( beyond scheduled amounts ) added to your account. *****You do not need to submit additional documentation to qualify other than your claim to have a pandemic-related financial hardship. ****** '' Thank you, XXXX XXXX XXXX
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| 09/06/2017 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Rushmore Loan Management is trying to collect on a debt that does n't exist. Rushmore has illegally put my mortgage loan in default since receiving my loan in XXXX XXXX. I 'm providing my final and last mortgage statement prior to the transfer. Rushmore has the principle balance wrong. I also had unapplied funds which they have n't applied to the principle on my loan. In fact, the funds have disappeared.
I want Rushmore to correct the principle balance and take my loan out of default. There have been significant violations of the Fair Credit Reporting Act. They should be fined for not having the correct principle balance and trying to collect on a debt that does n't exist. Also, the unapplied funds need to be applied toward the principle on the loan.
I 'm attaching XXXX XXXX final mortgage statement prior to transfer. The XXXX XXXX XXXX mortgage statements shows the correct principle balance and it also shows it was current at time of transfer. You 'll notice, there are n't any late fees or any unpaid balances.
I 'm also attaching Rushmore 's payment history which was provided to me in XXXX XXXX. This is Rushmore 's own data records. I marked all the payments that Rushmore received. There are NO missing payments. In fact, it shows they have the wrong principle balance from the start. It also shows they have assessed 2 false late charges. It also shows that they never applied my unapplied funds from XXXX XXXXXXXX XXXX. The only payments that Rushmore 's payment history does n't show are the XXXX and XXXX payments. The proof of payments are included.
Please also see the most recent Rushmore mortgage statement for XXXX XXXX. The XXXX payment is the only payment due but they are reporting on their statement that they have n't received the XXXX XXXX payment but, they have received it.
I 've attached the XXXX and XXXX XXXX payments and the signed receipt of when Rushmore received my payments. Once again, they lied saying I was late with payments when they signed for my payments prior to the XXXX of the month.
I 've also attached the XXXX tax mortgage statement form. This is also Rushmore 's document. Please note, they had my loan in default from the onset of receiving my loan because they have noted " property preservation " fees since XXXX XXXX. Property preservation fees are only applied when a loan is in default and in foreclosure.
Regards, XXXX XXXX
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| 10/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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To Whom it may Concern, This must be unfair, deceptive and fraudulent practices by Rushmoore Loan Management Services and XXXX XXXX XXXX XXXX XXXX XXXX XXXX We Received a letter from the attorneys office XXXX, XXXX and XXXX XXXX. Notice of intent to for close dated XX/XX/XXXX and sell at auction XXXX XXXX.
We are beside ourselves with fear. PLEASE HELP US SAVE OUR HOME of 16 Years!
In XX/XX/XXXX XXXX incorrectly denied us a covid relief for our mortgage.
In XX/XX/XXXX XXXX incorrectly denied us for a covid forbearance AGAIN In XX/XX/XXXX We appealed the decision with a resolution. We were STILL denied assistance.
In XX/XX/XXXX XXXX pushed us off and sold our mortgage to Rushmoore Loan Management Services.
XXXX informed us our payments would stay the same.
Our First Loan Payment of {$1800.00} was due in XX/XX/XXXX ( no penalty 's or late fees for 60 days. Well that never happened, completely lied to and deceived.
We sent our first payment XX/XX/XXXX for {$2000.00} dollars ( more than the minimum ) We sent the second payment on XX/XX/XXXX for {$2100.00} dollars ( more than the minimum again ) Neither checks were applied and the checks were returned with a letter stating they want {$56000.00} dollars.
Neither Company offered us covid help. We were both out of work for long periods of time.
My girlfriend had to quit her job to stay home with our then XXXX old daughter to home school for XXXX straight years as our schools were closed.
COVID destroyed our Family. WE LOST SO MANY ... AS WELL AS LOSING OUR LIVELIHOOD.
We absolutely should have been given the opportunity to pay when we could.They were both absolutely no help at all. They always rejected a payment.
Our XXXX percent interest and all the penalties and late fees are just over the top.
We struggled to keep food on the table and heat in the winter. The stress was unbearable at times.
We have gone through Mortgage company after company.
XXXX XXXX was our first Mortgage company- XXXX XXXX was our second ( oddly never mentioned in the letter from the attorneys, we paid mortgage payments to them for years ) All the other companies are mentioned.
- XXXX XXXX XXXX XXXX ( XXXX ) was our third - Rushmoore Loan Management Services is our fourth.
My Girlfriend is signed to communicate with both companies and has kept every letter, and application process from both companies.
PLEASE HELP
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| 08/27/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Struggling to pay mortgage
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Web |
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Rushmore Loan Servicing appears to be RED LINING for the XXXX XXXX, Florida and XXXX area. We believe that the servicer has a high very percentage denying loan modifications for the XXXX part of XXXX Florida and should be investigated by the Florida Financial Regulator as well as other agencies. The company ( Rushmore ) will always find an excuse to deny ANY LOAN MODIFICATION for the XXXX part of XXXX, Florida. We have come across other homeowners in the same situation where Rushmore have denied the loan modification.
In this particular case Rushmore have denied the loan modification request claiming that a complete loan modification package was not received within the Florida guidelines, which is 7 days prior to the schedule sale date. The company have denied the request in bad faith. The denial letter is dated XX/XX/2019, we spoke to a Rushmore representative on the same day and he stated that we had until Saturday to submit the rest of the additional documents needed. The initial application was submitted on XX/XX/2019, and the servicer called very next day to request additional document which were furnished on XX/XX/2019. See attached herein. Per Treasury guidelines a servicer must provide a letter to the homeowner requesting additional document and allowing 30 days for the homeowner to comply. This is not what transpired, instead a representative called the next day after receiving our request and giving just three days to comply on which we did and it was denied anyways. Servicer could not be more hypocritical for lack of better words. This company has engaged in Floridas deceptive business practices and should be investigated by the Florida Attorney General.
The Consumer Financial Protection Bureau should notice that on the same day the letter is dated, the servicer spoke to us and requested additional documents giving until Saturday to provide on which we did. See attached proof herein. The servicer is acting bad faith.
All loss mitigation process or protocol are subject to the Treasury guidelines. The Servicer is correct in that a loss mitigation package must be sent within the seven day before a schedule sale date, see MHA Handbook 3.3. However, our property has a sale date of XX/XX/2019, and if you can count days we are beyond the seven day mark therefore within the guidelines to be considered for a loan modification review.
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| 07/15/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Thank you for your response on XX/XX/XXXX via CFPB.
Please find attached XXXX of Attorney from widow of XXXX XXXX to XXXX XXXX as you requested.
We still need to be answered following questions please reopen your case about our complaint.
CFPB Complaint Numbers : XXXX and XXXX XXXX. Copy of all documents youve shared with Law of XXXX A. XXXX, XXXX without our permission.
2. XXXX XXXX XXXX is a real organization? The XXXX XXXX given was XXXX XXXX, certify mail with Return receipt never return.
2. You are not the only one claim to be the note holder, how do we know who is the legitimate note holder?
3. Actual Borrower is passed away ; dead person couldn't give any authorization to discuss subject loan 4. According to Gov Rules and Regulation, Loan Servicer do not have the power to foreclosure any property, who is initiate the last foreclosure sale.
If you don't respond this issue properly, we might see you at the court.
That is the recommendation of a CFPB officer If you are the right party ( we need to verify ), we demand following as the solution of the issues.
1. Stop fraudulent Collection Activities.
2. Fully disclose the Full Legal Name and contact information including website address of Legal Note Holders.
3. Honor Flex modification that XXXX XXXX promised on XXXX XXXX https : XXXX % XXXX % XXXX % XXXX? XXXX 4. Or if you paid to XXXX or XXXX XXXX, wed buy you out the price you paid to them.
5. Or Under the Truth in Lending Act pursuant to 15 USC 1601-1667j ( full disclosure ), We have a right to know who the true party of interest in this transaction is. As such, We are asking you to stipulate whether you are the holder in due course for my promissory note. If you are not the holder, then you admit to being the servicer of this obligation.
Please also stipulate for the record whether or not our loan has been securitized, and if so, the name of the XXXX our loan is bundled with.
If our loan has been securitized, then please provide us the pooling and servicing agreement that names our loan as well as any documentations that explicitly gives you the right to service our loan as well as enforce the promissory note in the event of a foreclosure. If you are hiding these facts from our despite our request, then you are hereby notified that you are committing fraud and shall be named in a wrongful foreclosure civil action.
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| 02/06/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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I contacted your organization a few months ago to complain about my mortgage company, XXXX XXXX XXXX. I pointed out that they had taken over my loan from XXXX and had failed to give me any consideration for homeowner assistance programs. After filing this complaint, Rushmore did respond and requested that I provide them with the updated financial information. I sent in all of the documentation that showed I now had a change in my finances and was making more money. Rushmore told me I needed all of the paperwork in no later than XX/XX/XXXX in order for them to conduct the review. I got the paperwork in to them the last week of XX/XX/XXXX, but then they changed their tune and called me and told me they were unable to review, that the ACTUAL cut-off date was XX/XX/XXXX. This is just another example of Rushmore Loan Management engaging in unethical foreclosure practices. Since they took over my loan from XXXX they have consistently lost paperwork, changed account managers and failed to review my current financial information and give me access to the government and internal programs they have so that I can save my home. I have lived here since XX/XX/XXXX and XXXX XXXX XXXX XXXX for just as long. Approximately one year ago I began having serious health issues and was forced to be hospitalized for XXXX XXXX XXXX. By the time I got out of the hospital I was behind on the mortgage, and unable to work. I have now been classified as XXXX XXXX and I am on a fixed income. I have repeatedly tried to get Rushmore to engage in a fair and transparent negotiation so that I can resolve the matter of my delinquent payments but this has proven to be difficult. It is a constant runaround and paper chase and it seems that they are intentionally trying to stall so that they can foreclose on my home. I think it is wrong to mislead a US veteran who is now XXXX and try to force me out and not even give me chance to fix this situation. To make matters worse, Rushmore PRETENDED they were going to work with me and help me, and then when I submitted the information they said sorry, you are missing one signature on the XXXX so we are kicking you out of review -- and also, you sent this in to us too late!! Even though they had given me a different date when I first contacted them. Rushmore has now set a sale date for XX/XX/XXXX. This is wrong, they need to be stopped!
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| 02/05/2021 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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In XX/XX/XXXX we requested a 6 month forbearance of our USDA loan that is guaranteed by and in accordance with the CARES act of XXXX. Our mortgage company is Rushmore Loan Service Management, which is basically a loan collection service.
Throughout the whole six months and now beyond, Rushmore has insisted on treating us as a debt that is overdue and that they are trying to collect. They refused to acknowledge the CARES act and tried giving us 3 month forbearances which they were 'choosing ' to grant. They tried to say we were late on the XX/XX/XXXX payment so that the CARES act would not apply. They pretty well did everything you would expect a debt collection service to do, even sending someone by our house about the 'debt '. We have sent them numerous letters with the USDA forbearance guidelines included, and still they insist on saying our loan is overdue and the 6 months payments are due immediately.
We did not request a 2nd 6 month forbearance and resumed making our regular monthly payments on XX/XX/XXXX. They have accepted each payment while still insisting that we owe $ XXXX immediately. Today we received more letters indicating they are 'reviewing ' our requested loan modification as part of our 'home retention package ' and they will have their decision in 30 days. Another letter says they are appraising our property and may make us pay for this process.
We hold that per CARES they have no right to do any of these actions. We properly and in a timely manner requested our forbearance and resumed our payments. They have the right to determine if we are capable of making the payments, but as we have never missed a payment prior and are currently making payments as we speak, they sufficiently have their answer.
Rushmore bought into the mortgage business by purchasing US guaranteed home loans specifically for the purpose of foreclosing on these guaranteed loans if at all possible. Their aim is not home retention but home foreclosure. Every step of the way they have acted like they are eager to foreclose on our home. We have had this mortgage for over 7 years ( since XX/XX/XXXX ) and have never missed a payment on it. They took over our loan 2 years ago ( XXXX ) and we have never missed a payment on it other than the 6 month forbearance.
We request that your agency act within your guidelines to provide assistance in this matter.
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| 03/08/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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On XX/XX/XXXX, the sale of my deceased mother 's house closed. My brother XXXX XXXX is executor and I, XXXX XXXX am co-executor. My signature is on all of the closing documents. On XX/XX/XXXX, eight months after closing, Rushmore Loan Management Services issued a check in the amount of {$4000.00} as overpayment of the loan payoff. The check was issued in the name of " The Estate of XXXX XXXX. '' All accounts in my mother 's name have been closed as she passed away on XX/XX/XXXX. Attempts to reopen them were unsuccessful. my brother spoke with Rushmore and requested that they reissue the check as " Estate of XXXX XXXX, XXXX XXXX as executor '' and Rushmore said to send in supporting documents and to return the check, which he did on XX/XX/XXXX. Rushmore subsequently changed the account to my deceased father 's name, XXXX XXXX on XX/XX/XXXX. He passed away on XX/XX/XXXX. On XX/XX/XXXX, Imy brother resubmitted all documentation electronically and Rushmore proceeded to change the account to my name XXXX XXXX I am my brothers successor. On a weekly basis, my brother has called Rushmore to no avail. He was referred to XXXX XXXX XXXX at phone number XXXX. He never returned any calls. On XX/XX/XXXX, my brother was referred to XXXX XXXX XXXX at XXXX. XXXX XXXX agreed that the documentation supported my brother being executor. He forwarded his notes to the appropriate department and told my brother to contact him at the end of the week. He has not returned his calls. My brother has contacted Rushmore five times since then to no avail. More than a month later nothing has been done, my name is still not on the account and nearly one year after closing on the sale of my mother 's house, Rushmore is still holding {$4000.00} that should have been dispersed to the estate. I, XXXX XXXX have contacted Rushmore as well on XX/XX/XXXX and XX/XX/XXXX and explained the situation in an attempt to get some resolution and was told " it is still an open task '' and they would escalate this. I was told again that an email would be sent to the appropriate department and that I would get a follow up call. I received no such calls. This is also what they told my brother three months ago. Due to the public nature of this complaint, I have not attached any files due to their sensitive nature but am more than willing to provide them at a later date, if necessary.
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| 05/02/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
Older American, Servicemember |
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rushmore filed with the uscfpb a response stating that m ymortgage loan with them has a maturity date on their amortization schedule of XXXX while their website states that the maturity date is XXXX. the XXXX has a balloon payment that was never disclosed by XXXX XXXX predatory lender in either of the XXXX required TILA disclosures. so now rushmore is not able to fell me what the maturity date is since there response to uscfpb says XXXX and their website says XXXX for my XXXX trust loan.
Contact Us : XXXXXXXXHomeRushmore Loan Management Servicesphoto of a neighborhood Loan Servicing CenterCurrent Loan Information Make a Payment Automatic Payments Home Loan Assistance Loan Activity Tax and Interest Payoff Statement Year End Statement Personal Preferences Email Inquiry FAQ Log OutCurrent Loan InformationLoan Number : XXXXProperty Address : XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX printer-friendly versionBorrower Name : XXXX F XXXXPlease note all information is as of the end of the last business day. A business day is generally Monday through Friday, except holidays. If you have any questions, please call us at XXXX Monday - Thursday XXXX to XXXX PST, Friday XXXX to XXXX PST.
General Loan InformationCurrent Principal Balance {$32000.00} Effective Interest Rate 5.000 % Loan Origination Date XXXX/XXXX/XXXX Original Loan Amount $ XXXXXXXXFirst Payment Due Date XXXX/XXXX/XXXX Loan Type Conventional Loan without PMIMaturity Date XXXX Payment Method Monthly Statement Payment InformationScheduled Payment Breakdown : Last Payment Breakdown : Next Payment Due* XXXXXXXXPrincipal & Interest $ XXXXXXXXTotal Monthly Payment $ XXXXXXXXPayments received more than 10 days after thepayment due date may require a late charge of {$10.00}.
* If Next Payment Due date is in the past, additional payments, charges and/or fees may be required to bring your loan current.
Principal Received $ XXXXXXXXInterest Received $ XXXXXXXXFor more detailed information, click hereYear-To-Date TotalsPrincipal {$340.00} Property Taxes $ 0.00Interest {$680.00} Hazard Insurance {$0.00} return to loan servicing center printer-friendly version Privacy Policy | Terms of Use | LicensingEqual Housing Opportunity. Equal Housing Opportunity | ( C ) Rushmore Loan Management Services LLC XXXX. All Rights Reserved.
( C ) XXXX XXXX XXXX XXXX XXXX. All Rights Reserved.
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| 08/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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On XXXX XX/XX/2023, I wrote to my mortgage servicer ( RLMS ) the following on their website ( https : //myrushmoreloan.com ) : Why does this site make no mention of an XX/XX/XXXX letter reassigning my loan to a different servicer in XXXX? Is the letter a fraud? Should I contact the FBI? Would it be 18 US Code 1343 or 371 or 63? Should I start a new CFPB complaint? https : //www.consumerfinance.gov/complaint/ On XXXX XX/XX/2023, RLMS responded on the above website message center : " Thank you for bringing this matter to our attention, we sincerely apologize for any inconvenience this may have caused. Please not [ sic ] the loan servicing transfers are a normal part of the servicing industry, this is not fraud and the terms of the loan are not impacted. '' I wrote on XXXX XX/XX/2023 in the same online message center : This response is too vague to answer my concerns.
Specifically : 1. Did RLMS send me a NOTICE OF ASSIGNMENT on XXXX XX/XX/2023, and Is my new loan number : XXXX?
2. Is my new website : www.rushmoreservicing.com/welcome?
3. Do I need to re-register for auto-payment withdrawals at : www.rushmoreservicing.com/welcome?
4. Is my new servicer address : Rushmore Servicing Attention Customer Service XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX?
cc : Consumer Finance Protection Bureau XXXX XXXX, Attorney General of California https : //oag.ca.gov/contact/consumer-complaint-against-business-or-company On XXXX XX/XX/2023, I received an email from RLMS : " Loan Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Your Message Center response is now available.Login to your account on MyRushmoreLoan.com to view your reply. '' When I attempted today to login in order to read the RLMS response, their website crashed : " We are currently experiencing technical issues at this time. Please try again later. We apologize for the inconvenience. '' At this point ( A ) I do not know where to forward my mortgage payments, ( B ) I do not know what the new servicer website is, and ( C ) I do not know if my auto-payment will transfer to the new servicer.
I also know that my home is worth far more than the remaining balance, and RLMS would benefit greatly by creating confusion, blaming the confusion on me, and then moving to foreclose on my home based on the confusion that RLMS cynically caused itself.
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| 04/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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We have tried multiple times to fix our problem with this company and they have refused us so many times. One the XXXX of XX/XX/XXXX, our house went for auction and we attended. We called Rushmore while the auction was happening to see if we can delay the auction. They refused to do so. They said that it's too late. There was plenty of time to prevent the auction the morning of, but they would not do so.
But what's unbelievable, the auction was delayed for a couple of hours and then finally postponed for 1 week. How is this possible, when Rushmore said that there was no time anymore? It's too late, they said!
We called the trustee about the house and said they that should've have known about this earlier. This means that Rushmore is not communicating with the trustee or no one cares on both ends.
We just finished talking to a lawyer who said she is dealing with Rushmore as I write this and she said that Rushmore is one of the worst companies.
Rushmore has XXXX complaints on XXXX.
There job is to seek and destroy. Not help.
They took my sister 's six trial payments and did not give us approval on loan modification because of one missed signature. There was already another signature there.
Just because one signature was missing, you do not dismiss the whole package!
After that, they denied us over and over. Why?
In the court of law, the judge is going to wonder why we were approved for a trial period and then denied? We made all six payments and then denied because of one signature! The judge is going to ask why? This will not make sense to the judge.
Rushmore says I am not a successor-in-interest, but I am on the will.
I want to know why this is happening and why they are not in communication with the trustee. Why did the the trustee say they were not aware of all this?
When we asked Rushmore for the contact information to the trustee, they would NOT give it to us on the day of the auction.
Rushmore needs to be reported to HUD and California legislation.
I contacted XXXXXXXX XXXX XXXX XXXX XXXX before the auction and asked for a postponement, but they still have not responded.
We will be contacting XXXX again.
My mother worked hard for this house and passed away in XXXX. Now Rushmore is trying to destroy that by taking it away.
This company needs to be investigated by government officials.
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| 03/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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In or around early XX/XX/XXXX I had experienced another hardship due to Covid-19 and on XX/XX/XXXX, immediately contacted Rushmore Loan Management Services via my RLMS account email for procedural information. On XX/XX/XXXX, I received an email response from the Servicer indicating that I could go to their website and apply for the extension. On XX/XX/XXXX, I received confirmation from the Servicer my payment of {$330.00} had been applied for XXXX.
On XX/XX/XXXX, I went to the Rushmore Loan Management Services website to apply for the Covid-19 Relief. Upon completion of the application, the system advised me that I would be contacted in 10 days. I was never contacted by the Servicer regarding the status of my Covid-19 application.
On XX/XX/XXXX, Rushmore Loan Management Services XXXX contacted me and left a voicemail for me to return her call. I immediately returned the Servicers call and spoke to XXXX who indicated the reason for the call was for XXXX payment of {$330.00}. I indicated to XXXX that I had initially applied for the Covid-19 Relief and that I retained a Declaration of Hardship form drafted from the XXXX XXXX XXXX Website. XXXX requested that I complete another application and email the completed Declaration of Hardship form to XXXX. She stated I would receive a response in 10 days. However, I immediately applied for a second time and provided the Declaration of Hardship form to the provided email.
On XX/XX/XXXX, I received the enclosed Notice of Collection instead of a response to my Covid-19 Relief application. I am outraged that the Servicer has disregarded my Hardship and seeks to accelerate their attempts to collect payment. The Servicer is in clear violation of Federal/XXXX XXXX laws as they pertain to individuals impacted by Covid-19. Their website clearly displays the following : If you are impacted by covid-19 we are here to help. In addition, the Servicer has violated their policy of not contacting me within the specified timeframe of 10 days after completion of the Covid-19 application. To this date, I have not received any response to any of my applications regarding Covid-19 Relief. I am requesting an extension/moratorium from the Servicer due to financial reasons impacted by Covid-19. I have provided the Servicer with 2 online applications and the Declaration of Hardship form.
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| 02/09/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX My home of 26 years was damaged XX/XX/XXXX. My insurance company, XXXX, issued a check on XX/XX/XXXX and sent it directly to Rushmore Loan Management Services, XXXX XXXX XXXX, XXXX, XXXX XXXX. RLMS claimed that they then sent the check to me to sign. I never received that check. On XX/XX/XXXX, I reported to XXXX XXXX that the bank lost the check. It was cancelled and another check was sent to me on XXXX. I received and signed the check XXXX and sent it certified on that same day.
Before XX/XX/XXXX, Rushmore gave myself and the XXXX XXXX XXXX all of the missed documents they needed. This was completed at the beginning of XXXX. As of XXXX, I called to see if RLMS had received the check. It has been cashed, I was told by supervisor " XXXX '', that the XXXX which they previously told us had not been dated by XXXX XXXX ( which I witnessed them signing ) had been faxed, but their fax machine 's ink was so light they needed it sent again. They also told me they were emailing a form I needed to download, sign and send back to them. This form was not on the list I'd been previously told was needed before this date. They also have not sent that blank form to me as yet. I will have to call them AGAIN!
NOW they're claiming that my mortgage payments are behind and THAT is their reasoning for holding my funds!!!! This info was revealed ( magically ) just today at XXXX, and the clerk said again that they hadn't received a form that I KNOW I'd sent them previously with other forms they weren't claiming to be missing.
I asked the clerk for a supervisor who then said that the claimed " missing form '' was NOT missing! We then did a 3-way call to the construction company owner, who AGAIN faxed the documents that the supervisor said weren't completed and why. This is the 2nd supervisor who has said she would followup on this matter.
This bank is holding the funds for the repairs and keeps putting blocks up as excuses not to payout the funding to me. The interest on this payment must be paid to me by law. However, I need to just get the payment from them that they are holding from me. ( Please do not publish my address on this letter. ). I want to repair the damages to my home which are worse because of the harsh weather they are enduring.
PLEASE HELP ME WITH THIS!!!
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| 09/06/2017 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Rushmore Loan Management is trying to collect on a debt that is n't theirs to collect and it also does n't exist. Rushmore Loan Management has that my mortgage is one month behind due to not paying a payment to XXXX XXXX XXXX in XX/XX/XXXX.
Please note, Rushmore began servicing of the loan as of XX/XX/XXXX. They are trying to collect a debt that is n't owed because XXXX XXXX XXXX made an adjustment to the loan due to a mortgage modification.
Rushmore also has an incorrect loan balance from the beginning of the loan. If anything, they owe me money. I 'm attaching the loan transfer information. It has the proof of date that Rushmore began servicing loan. I 'm also attaching XXXX XXXX XXXX 's final statement, dated for XX/XX/XXXX payment. It shows a final principle balance of {$100000.00} ( I circled it ). The statement does not show any late payments. It actually shows " unapplied funds '' which Rushmore does n't show on their records.
Rushmore shows in there records of a beginning balance of {$100000.00}, I circled that too. The unapplied funds which Rushmore does n't show on my account is {$490.00} which was actually sitting on account prior to filing a bankruptcy. It should actually be applied to the principle on my loan cause technically I 'm out of Bankruptcy now. This unapplied funds can easily be viewed on the XXXX XXXX XXXX final statement. You can also note my final payment to XXXX XXXX XXXX which was applied XX/XX/XXXX. There are no missing payments reflected on the statement.
Rushmore is in violation of the Fair Credit Reporting act on trying to fraudulently collect a debt, putting my loan in a false default and I think their in violation of insurance fraud because I think they have fraudulently collected on mortgage DEFAULT insurance. I 've tried to correct this so many times with Rushmore by even reconciling their statements for them.
I want my loan taken out of default. They should also be assessed each individual {$1000.00} for each occurrence for violation of the Fair Credit Reporting act and they should be investigated by the appropriate agency regarding mortgage loan servicing fraud.
Please see the attachments. Please also note, I circled all the payments made to Rushmore that are noted in their own records. You will see, I have n't missed a payment.
Thanks, XXXX XXXX
|
| 08/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I ( XXXX XXXX ) discovered in XXXX of XXXX that my mother 's property ( XXXXXXXX XXXX XXXX XXXX XXXX NH XXXX ) had been abandoned by my father ( XXXX XXXX ). Although my sister ( XXXX XXXX XXXX and I were both on the Deed and Mortgage since XX/XX/XXXX, I was not informed that XXXX had XXXX the property. For context, I have no contact with XXXX or XXXX. In addition, the mortgage company has never contacted me with any information, or mortgage updates.
Upon finding out that the property was abandoned, I drove up from Rhode Island to inspect and confirm that abandonment. In addition to the abandonment, XXXX took 100 % of my mother 's belongings along with most of the faucets, hot water tank, sinks, and other metals.
At that point, I hired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX ( XXXX ) XXXX ] and began the process of Petition to Partition the courts to force the sale of the property ( advised by XXXX and XXXX even though I made it clear I wanted to retain the property and fulfill my mothers wishes.
XXXX and XXXX attempted to negotiate with XXXX XXXX ( XXXX father ) to which he become volatile and combative, refusing letters and court documents.
At the same time as all this was underway, I began calling and emailing Rushmore Loan Management Services to try and take over the loan payments. As of this letter XXXX XX/XX/XXXX, Rushmore Loan Services maintains that they will not provide me any information on the Lease, Loan, or Deed, ( despite both myself and my lawyer providing all the necessary documentation many times, including phone calls ).
Rushmore Loan will not accept loan payments, negotiations or discuss the property status with me.
I spoke with the propane in XX/XX/XXXX while trying to set up services again and they show that the propane has been shut off since the Fall of XXXX and they had to retrieve the propane tank for the safety of the property. This means that XXXX abandon the property in late XXXX or early XXXX.
Lastly, XXXX XXXX XXXX for bankruptcy in XXXX and her share of the property was sold to an outside investor by the name of XXXX XXXX XXXX When my lawyer called him to discuss the property he stated he did not know that he owned it.
As of this letter, the XXXX XXXX is scheduled for XX/XX/XXXX. XXXX is of the essence.
|
| 01/14/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
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I am a minority, single, XXXX woman in Bankruptcy Chapter XXXX and I was working with XXXX to modify the mortgage. XXXX either sold, owns, or is the servicer of the mortgage to XXXX XXXX XXXX / Rushmore address. I send a Qualified Written Request letter to all companies to find out who the real lender is. I am also challenging all the security deeds as they said that myself and my ex-husband XXXX XXXX executed them and that XXXX is out Attorney in Fact. The attorney for the Servicer who notified for regarding the Sale set for XX/XX/2017 id XXXX XXXX, XXXX at XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. The Notice of the Sale and security Deed is XXXX as Nominee for XXXX XXXX XXXX, transferred to XXXX Investors.
I spoke with XXXX representative and I told them that I was presently in Bankruptcy Chapter XXXX but wanted to do a modification and asked them to send me the paperwork. The representative said that would not be a problem and that they would work with me on modifying the mortgage. I also told her I wanted to make sure of the real owner the mortgage as XXXX send me another letter saying they are still the servicer. Then I received another letter that XXXX was and another that XXXX was. This IS very confusing and unethical!
I never received the paperwork for the modification and then received a notice of from their attorney, XXXX. I replied to the attorney in XX/XX/XXXX and let him know I am in Bankruptcy as all their correspondence said they were a debt collector attempting to collect a debt.
The next correspondence I received was a Foreclosure Sale set for XX/XX/XXXX in 3 weeks. I called the representation and explained again that I had never received the paperwork for the modification. She then told me it was too late to do a modification and that it was set for sale. I explained again that I am still in bankruptcy and she argued with me and said my bankruptcy was dismissed which it is not! I told her they could contact my attorney and he would tell them I am still in Bankruptcy. She said there was nothing she could do.
I am still in Bankruptcy and it is active. My attorney 's name is XXXX paperwork and case number attached.
The representative said I have 3 weeks to get my furniture and personal items out of my house or I would lose even my personal belongings!
XXXX XXXX XXXX
|
| 02/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Due to missed payments on our mortgage, we applied for a loan modification to XXXX XXXX in mid XXXX The application was being processed, and had gotten to the point at which ALL DOCUMENTS WERE RECIEVED, and the process was moving forward. We kept checking in with XXXX XXXX and they kept saying nothing else was needed. Then close to the end of XXXX, we checked again, to be told that our loan was being transferred to RUSHMORE LOAN MANAGEMENT, and they can not give us any information. I called Rushmore, and they informed me that they do not have all the documents from the prior Servicer, so we would have to wait. We were advised by Rushmore, that the entire transfer process takes 30 days. We still kept calling and for about 3 weeks, were still being told that they dont have all the documents from XXXX XXXX and we still have to wait. All THIS TIME WE WERE SHUT OUT OF THE PROCESS, THERE WAS A PENDING SALE DATE OF XX/XX/XXXX!
Then someone called us back from Rushmore and asked us to resend the documents to them, as they still did not get all the documents from XXXX XXXX. They also asked us to send the insurance declaration page. We sent all the documents they requested, BEFORE the 37 days window! Then I called this morning to follow up on the modification, and was told that the process was closed out because they did not get the documents requested. The agent did confirm that they received the documents we sent BEFORE the 37 days window, but says he did not see the insurance declaration page, so they closed it out because they didnt see that page. Fact is, we sent the declaration page, which apparently didnt transmit properly, which is normal, when sending documents. They could have told us they didnt get that one document and I would have immediately resent it. I asked the agent if the bank had called to inform us that that page was missing, or even sent a letter, and HE REFUSED TO ANSWER THAT QUESTION.
So now, why should we stand the consequence of the BOTH banks delaying our modification process, with a sale date pending??? We called many times but none of the banks were able to give us any info, because of the pending transfer, and we were told they needed 30 days. The time lost during the transfer should have been given back to us, by extending the sale date. THIS IS NOT FAIR.
|
| 01/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
1.The lender, XXXX 's servicing agency took my mortgage payment through XXXX on XX/XX/XXXX, put it on hold and initiated foreclosure against me for the payment that is still unapplied. ( see Rushmore Loan Mang. Response to CFPB Complaint dated XX/XX/XXXX, XXXX. XXXX. XXXX ( see also Loss Mitigation Affidavit attached ) XXXX.The lender XXXX refused loss mitigation and foreclosure prevention efforts and continued foreclosure in the XXXX XXXXt of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, for the payment it has on hold and unapplied XXXX, I filed a XXXX XXXXXXXX XXXX plan to reorganize the debt but, XXXX XXXX XXXX XXXX claims in the bankruptcy court that alleged it held a corporate assignment from XXXX dated XX/XX/XXXX. However, that was false and the claim was disallowed but, the court XXXX a lien to XXXX XXXX although proof of a claim of a XXXX did not exist.
XXXX.There was no corporate assignment dated XX/XX/XXXX, between XXXX and XXXX XXXX before the bankruptcy filing on XX/XX/XXXX. The corporate transfer violated the bankruptcy automatic stay and occurred XX/XX/XXXX and recorded on XX/XX/XXXX. ( see Rushmore Loan Mang. Response to CFPB Complaint dated XX/XX/XXXX, XXXX. No. XXXX ) ( see Motion for Reconsideration attached ) XXXX. On XX/XX/XXXX, I paid the XXXX XXXX bankruptcy plan to completion and filed a motion to avoid a XXXX however, the court stated it consented to XXXX XXXX XXXX transfer during the automatic stay. My certificated of completion was denied and my motion to avoid a XXXX was also denied. Therefore, I have filed an appeal. ( see case No. XXXX XXXX and XXXX cv XXXX ) XXXX. XXXX took my mortgage payment put it on hold and initiated foreclosure in the meantime, I paid for a reorganization plan to completion but, XXXX XXXX was granted a lien it did not have. I have paid my bills and yet losing my home. ( see Jet pack ) XXXX. I need help. My mortgage balance before my rights to homeownership and credit was {$XXXX} at 2 % interest. After XXXX took my mortgage payment, unapplied it and initiated foreclosure my mortgage balance is now {$XXXX}, ( see recent mortgage statement ) XXXX. When the same incident occurred with XXXX XXXX XXXX the institution refunded my money and offered home retention programs. I believe XXXX and XXXX XXXX are XXXX me.
|
| 05/22/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XXXX XXXX XXXX which I paid monthly since XXXX XXXX with assistance for this issue in the amount of {$250.00}. As of XXXX XXXX XXXX I completed the modification which began on XXXX XXXX XXXX through XXXX XXXX with making monthly mortgage payments in the amount of {$770.00} ( to Rushmore Loan Management Services ) signing off on the papers on XXXX XXXX XXXX , with XXXX XXXX XXXX and sent to Rushmore 's Counsel ( unsure of the name of the counsel located in XXXX XXXX . XXXX ) I have n't received the final copy of the executed modification documents, nor their dismissal of the foreclosure. In addition, and just as concerning is the fact that the payments were made on time and they keep reporting late payments to the Credit Bureaus. Most recently and just as alarming is the bill I received in the mail from Rushmore Loan Management Services is for a monthly payment of {$2500.00} due XXXX XXXX XXXX . When I signed off on the modification documents the payments went from {$770.00} in the modification trial period to {$750.00}. Even with the payment of {$750.00}, I have continued to pay {$770.00} per month to help lower the principal balance due on the mortgage. I have read numerous reviews how Rushmore continues to place further hardship on their customers under the foreclosure process. I felt by seeking legal counsel I could possibly be devoid of their stressful hindering tactics. It has been a total nightmare from the mediation with both counsel 's ( mine and Rushmore 's ) to the insurance incident when I had to call the police and file a report on their insurance person who came out to assess the leaking roo f ) horrible informed my neighbors and called them constantly informing them of my mortgage status which was extremely embarrassing. I was told by a representative of Rushmore, they do n't take it lightly when you get attorney 's involved and tried to get me to get rid of my legal representation. In the final documents Rushmore 's Counsel had placed a clause stating I would not be able to seek counsel after finalizing the documents. I desperately need your help. This process has been extremely costly and painful to say the least. I was referred to your office through Senator XXXX XXXX XXXX office.
|
| 10/28/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances.
XXXX XXXX
|
| 04/16/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I had my mortgage loan with XXXX for past 10 years. Suddenly, I received a letter on XXXX and indicated XXXX would stop servcie our loan from XXXX XX/XX/XXXX and Rushmore, and the new loan company who bought our loan would start servicing our loan. Also, XXXX told us that we should receive the payment coupon from the new mortgage company.
That was why we did n't given our morgage payment in XXXX becasue XXXX did n't mail the payment statement and coupon to us. At the same time, we were wariting for the Rushmore 's payment starting on XXXX XX/XX/XXXX. But we could n't recieve it, so inteand sending our XXXX XX/XX/XXXX payment to Rushmore, we sent it to XXXX. XXXX the XXXX received it, they sent us a letter that indicated our XXXX XX/XX/XXXX payment would be transferred to XXXX but XXXX told us this would be the XXXX time for the XXXX. On XXXX XX/XX/XXXX, we still could n't receive any payment coupon from Rushmore, but we decided to mail out payment to Rushmore anyway. We did it and Rushmore cashed it.
Since we have never and ever received the payment coupon from Rushmore, the new loan company, we started to feel it must be something wrong. We did n't send our mortgage payment on XXXX XX/XX/XXXX. In XXXX XXXX we started to hear their complaints and recevied a complaint from the court and they asked the court to collect our past ten month mortgage missing payments. They indicated that we broken the contract, etc ...
We sent my XXXX XXXX, XX/XX/XXXX mortgage payment to XXXX, they returned it to me.
We got all our mortgage payments history and sent to them for the dispute on XXXX XXXX, XX/XX/XXXX, but they still sent us Notice Of Intent To Foreclose and said that if we do n't pay them total of {$62000.00}, the missing payment from XXXX XXXX, XX/XX/XXXX to XXXX XXXX, XX/XX/XXXX before XXXX XXXXXX/XX/XXXX, they will initiate foreclosure proceedings ... etc..
We do have the missing payment money for total of {$24000.00}, the current XXXX payments we owe to them but they do n't want it and they are demading on {$62000.00}, that we do n't have it.
I will hire a attorney to send a lawsuit against the XXXX and this may be the only chice we have at this time becuase there is no way the Rushmore can do what they want and take our home as granted.
Amyowner of the house!
|
| 06/14/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
If I had XXXX word to describe the experience so far, it would be 'horrible. ' While poor customer service is unpleasant, it is not criminal and it is not the reason I am writing you. XXXX XXXX sold our mortgage to Rushmore with the payments to Rushmore starting XXXX XXXX. We received the letter that this was happening on XXXX XXXX. I tried to go online to Rushmore 's website to pay the balance, which was {$97.00} higher than our old payment for some reason, but the website kept erroring out. I then called all the numbers on the document that was sent to us. Each number took me into the same prerecorded loop, which once I got to the payment section would n't tell me how much was due and just wanted my routing and account numbers. I have n't thrown my banking info around willy nilly before, and I am not going to throw it into some poorly automated voice system with exactly XXXX detail as to how much it was going to charge me now. It is a huge frustration to not be able to pay a bill because the company receiving payment has made it nearly impossible to pay them. Finally, I got a hold of someone at the local number for the company, which I found hunting around on the internet ( this number was not listed on the documents they sent us ), and they confirmed that the payment had made it through on the website even though I was never able to make it to the end of the payment pages because of the site crashing. I 'm just thankful it did n't charge me repeatedly for each time it appeared not to work. When I asked why my payment was {$97.00} higher, they had no idea. I, after having read the many reviews on this company, found that the company often creates fraudulent negative net escrow balances. I checked my loan, and there it was, a {$180.00} negative net escrow balance. I have never had a negative net escrow balance on a mortgage until it was sold to Rushmore - and I mean NEVER. Seeing as it is a common problem for loans transferred to Rushmore, there must be something going on there. I 'm asking for your help, not just for myself, but for all the other people being abused by this company. The government allowing companies like this to exist detracts from the trust we all have that you are looking out for your fellow countrymen. Thank you for taking the time to help us.
|
| 10/04/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American |
|
I filed a complaint regarding my mortgage company AFTER speaking with FHA and finding obvious disturbing things regarding the covid forbearance and modification on my loan. I attempted many times to contact them in reference to the information from FHA about the covid modification rules and of course, my concerns went nowhere. Especially when I said, " there was no modification filed and I did not sign a new modification ''.
Rushmore LM filed an answer to my complaint loaded with more lies about " corporate advances '' that occurred during a bankruptcy filing and dismissal back in XXXX. After that bankruptcy, we had a modification and ALL cost involved were charged back to me in that modification, there was no " corporate advances '' to charge me again and then to say that the amount they received from the state of Missouri was to " reinstate my loan ''? WHAT? I started paying my loan back in XXXX and they received those funds in XXXX or XXXX. Can they lie anymore?
Back to the modification. I contended that I did not sign one so, I asked for a copy of it. You can't make this up, but they actually mailed a copy of the covid modification that was NOT signed nor notarized!
In conclusion : 1. Where's the signed and notarized covid modification?
2. Why wasn't our house principal and interest lowered 25 % according to FHA guidelines?
3. Why was their no partial claim filed?
4. Why did they collect corporate advances from a bk back in XXXX that ended in dismissal and a subsequent modification that included ALL of the legal fees? After Loss mitigation said they were owed " from the original loan in XXXX ''? Do you even know?
5. Why was money accepted from the XXXX program, from my state, for reinstatement when my loan was already reinstated and then take corporate advances from that? Where was my notice of these corporate advances?
I maintain now, as I did in my initial complaint that Rushmore LM has committed fraud and a full audit of all accounts, especially those who received a covid forbearance and any subsequent funds in reference to that forbearance. I am going to contact a news outlet with my concerns and perhaps get the word out to others that they might want to look at their mortgage more closely if they are being serviced by Rushmore LM.
|
| 12/20/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XXXX. On XX/XX/XXXX - I filed electronically for a 3 month forbearance on my mortgage since I had just left by job due to COVID.
XXXX. XX/XX/XXXX - I received letter from mortgage company approving 3 month forbearance for XXXX XXXX.
XXXX. XX/XX/XXXX - paid full mortgage payment.
XXXX. XX/XX/XXXX - paid full mortgage payment XXXX. XX/XX/XXXX - used forbearance and did not pay mortgage payment XXXX. XX/XX/XXXX - I filed a 3 month extension on the forbearance. Spoke to agent on phone from mortgage company for almost XXXX minutes understanding all the details.
XXXX. XX/XX/XXXX - I received extension from mortgage company extending forbearance for XXXX thru XXXX.
XXXX. XX/XX/XXXX- spoke to agent at mortgage company and he filed another extension in addition.
XXXX. XX/XX/XXXX - I received letter from mortgage company approving additional forbearance until XXXX XXXX.
XXXX. XX/XX/XXXX - I used forbearance and did not pay mortgage XXXX. XX/XX/XXXX - I received letter from mortgage company stating my mortgage was no delinquent and if I had filed bankruptcy then the communication was only for information only. Documents also included were how to file for forbearance, or mortgage modification.
XXXX. XX/XX/XXXX - I called and spoke to agent regarding letter, they said all was in place for forbearance and it was a system generated and not to worry as it was fine.
XXXX. XX/XX/XXXX - Knock at my door and person hand delivering document to my stating my property was delinquent. If I was in bankruptcy, this was no an attempt to collect but for information only. She also stated the mortgage company had been trying to contact me by phone, but have been unable to contact me.
I had received calls with no messages left from the mortgage company on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX with no voicemail left.
XX/XX/XXXX - I called the mortgage company and spoke to supervisor to advise I was filing this complaint. She also stated I should not receive any further communication regarding the delinquency as it was a system issue and she would escalate the problem to management. I told her someone coming to my door was NOT a system issue and was being harassed for using the legal forbearance I was approved for. I also advised I was filing this complaint as well.
|
| 07/18/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Complaint about Mortgage Servicing Practices Dear Sir/Madam, I am writing to file a complaint against Rushmore Loan Management Services LLC regarding their handling of my residential mortgage account. I believe their actions may be in violation of certain provisions of the Real Estate Settlement Procedures Act ( RESPA ).
My mortgage account has been transferred multiple times over the past several months, starting at XXXX XXXX XXXX and eventually ending up with Rushmore Loan Management Services LLC. These frequent changes have been problematic, especially because Rushmore and the previous banks have refused to accept my payments. Furthermore, the payment operations at these banks have not been functioning properly.
On XX/XX/2023, I attempted to make a payment on my mortgage via a cashier 's check of {$1600.00} and a wire transfer. Despite my efforts to fulfill what now appear to be fraudulent obligations, Rushmore has verbally refused my payments and has subsequently claimed I owe over $ XXXX in fees. I believe these fees are unjust and that Rushmore 's actions appear to be a calculated attempt to exploit the system and unlawfully seize my family home.
Section 3-604 of the Uniform Commercial Code ( UCC ) provides that if a person tenders a payment to a party who has the right to enforce an obligation, and the payment is refused, then the obligation is discharged to the extent of the amount tendered, given certain conditions. I am concerned that by refusing my payment and retaining the cashier 's check without crediting my account, Rushmore may be acting inappropriately and possibly in violation of RESPA or other applicable laws.
I am attaching copies of the cashier 's check and confirmation of the wire transfer, as well as written correspondence with Rushmore documenting their refusal to accept these payments, their retention of the cashier 's check without crediting my account, and the unfair fees they have levied against me.
I kindly request your assistance in reviewing this matter and advising on the appropriate next steps. I am seeking to ensure that my rights under RESPA and other relevant laws are upheld, and that my mortgage account is handled appropriately going forward.
Thank you for your attention to this matter.
|
| 04/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I received a letter from a law firm offering assistance for my home and it mentioned that my house is up for tax sale. I was not aware of this, at all. I pay my property taxes through my mortgage payment/ escrow account and have not missed any of my payments. I was not notified by my lender that my taxes were delinquent in any way. I contacted my lender, Rushmore Loan Management, on XXXX XX/XX/XXXX and notified them about the issue. The person I spoke with confirmed that Rushmore had not made any tax payments on my behalf and I was told to give them 3 business days to have a resolution. I called on the 3rd business day, XXXX XX/XX/XXXX, for an update and I was told that nothing had been updated on my account and that I should call on Monday. I called today ( XX/XX/XXXX ) and I am again being given the run around about what is going on. I'm being told that an investigation needs to happen and that I won't be able to get an update until XX/XX/XXXX - which is the date of my tax sale. I am completely stressed out about this. I don't know what needs to be investigated. The lender, while on the phone with me last week, looked up my account on my county 's website and saw the balance and that Rushmore had not made any payments. I am worried about losing my home. I do not have the XXXX XXXX balance that is owed and Rushmore keeps stalling with giving me any real information about what is going on. I have repeatedly asked to speak to someone who could give me details on how this situation is going to be resolved and I get put on hold for minutes at a time just to be told that no supervisor is available. This is infuriating and I would like to know what resources I have in getting the balance paid. Rushmore Loan Management has been taking my tax payments ( escrow ) and doing what with my money??? UPDATE : I finally was able to speak with a supervisor named XXXX just now. He initially said my disbursement would be sent on XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX ) but he then said that he would work to escalate the issue and that he will update me on XX/XX/XXXX ( a week away, smh ). I'm filing this complaint now because I don't trust what I was told and I want to have my bases covered in case I get the runaround with this again next week.
|
| 01/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Our complaint has to do with the deferred balance on our mortgage of {$140000.00}. Because of the deferred balance, we have no equity in our home and would not be able to refinance to a lower interest rate mortgage. We have submitted a request for information to Rushmore Home Loans and they keep saying it will take some time to send this information, It has been over 3 months.
This deferred balance was carried over from the previous servicer that held our mortgage. Several years ago, we could no longer afford our mortgage payment because due to the flexible interest rate, the monthly payments to an amount that we could not afford. After meeting with HUD counselors and other counselors and not being able to secure a fixed rate permanent modification to our mortgage with XXXX, to let our home foreclose. It never did.
A couple years later, XXXX XXXX Loans bought our mortgage and we worked with them and they were able to offer us a permanent fixed rate mortgage. When we signed the papers for the fixed rate modification, we disputed a portion of the deferred balance. This is because a good portion of it was for interest that was incurred at the higher interest rate and had they foreclosed on us, we wouldn't have paid anyway and they would not have received that interest. We did not want to loose our home and we were happy that we were finally able to afford our mortgage payment. We have continually paid on our mortgage every month for several years now. With our busy lives, we had put this matter aside. Realizing that we are getting closer to retirement, we decided we needed to reach out to Rushmore Home loans, the current loan servicer. We requested how we can make payments on the deferred balance as well as a breakdown of what is included in the deferred balance. I have submitted multiple requests and they keep telling me that it will take some time. It has been over 3 months.
1. Deferred balance - We need to know details and also would like it reduced.
2. We need Rushmore to work with us so we can pay toward this deferred balance so we do not have to have a balloon payment at the end of the mortgage. We are 10 and 11 years away from retirement and do not want to loose our home.
Thank you, XXXX XXXX. & XXXX XXXX XXXX
|
| 12/11/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have made several complaints about this terrible company. It is only a matter of reading all the comments by various customers to see what kind of company we are dealing with.
Rushmore has a TERRIBLE reputation. You can never talk to a person who at least pretends to be cordial and not rude. For the most part, they are all rude.
On Friday night at XXXX XXXX some woman XXXX calls me while I am driving. I am neither late nor behind. She is rude and threatens me while I am driving that I am late! That was XX/XX/XXXX! The due date is not until XX/XX/XXXX. Again yesterday, on XX/XX/XXXX which was my B day, I get another call from these horrible people which I actually hung up.
They have been charging me escrow ; I paid more than XXXX dollars to VA department of taxation but they are also charging me again. I have told them that this amount is not right nor it is something I can pay because it is more than what I signed up for with another horrible company who sold my loan to Rushmore. I have the same demands as before : Lowering the total balance forgiving the XXXX late payments Lower monthly payment will be responsible for paying my own taxes An apology and returning the escrows they have charge me for months now.
CFPB must take immediate action in helping customers like me who are being threatened and taken advantage of by who knows these investors and shark companies like rushmore.
XXXX XXXX Here is what I read on line : This is just out of 66 complaints : Like may here, my loan was purchased by RLMS last fall and reading these reviews prepared me for the worst. As expected, my loan has had issues with on-time payment of escrow and their recalculation of escrow owned was laughably inaccurate ; just prepare for that if you've recently been transferred over. I will say that I was able to get on the phone with a person who, while them may not have been helpful, but were at least courteous to me. The good news is that I was able to send a fax to some number given to me from their customer service to have escrow account removed, my advice is to take as much of this ( PMI, escrow, etc. ) out of Rushmore 's hands as possible. It's been 10 months and my auto-draft payments also haven't been screwed up, so I'm on a roll!
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| 03/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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My grace period of 15 days by Maryland law in my mortgage account has not been protected. Misc. Corporate disbursements and Corporate advance adjustments on my customer account activity statement in which I don't know what they are, how they is getting in my mortgage account and where they leads to. And the money orders for I sent them to XXXX. XXXX XXXX with payment coupon for that month would show on the right mortgage statement in the right time period. I am filing a complaint against Rushmore because Rushmore release a XX/XX/XXXX mortgage statement without my money during my 15 days grace period but the money was there. And I believe Rushmore will do it again because the Rushmore representative, XXXX XXXX write this in XX/XX/XXXX letter to me " Furthermore the last day of your XX/XX/XXXX grace period was XX/XX/XXXX. She writes '' However no late fee was assessed to you account even though the grace period has expired on XX/XX/XXXX, XXXX " And she sends me the customer activity statements which shows Misc. Corporate Disbursement amounts and Corp. Advance Adjustment amounts in which I know nothing about but it is under my mortgage account No., my name and my address and these amounts started from XX/XX/XXXX to XX/XX/XXXX. Who is using my mortgage account beside me? And where is this place located? Why on the date of XX/XX/XXXX by Maryland Law of 15 days grace period didn't the money which Rushmore received on XX/XX/XXXX show on a mortgage statement before a delinquent letter of XX/XX/XXXX was produced by Rushmore? My position is this : Anytime I get a mortgage statement that does not show the money I paid in which I know I paid I will do a trace on it. And that is what we do. Is this Rushmore position? Anytime Rushmore does not receive my money by the 10 day of each month, Rushmore will pull my money from XXXX XXXX and put it in another P.O. Box? Why have Rushmore let somebody put their wants in my mortgage account instead of serving me by Maryland law under mortgages and my need to pay my bill in the current period on a mortgage statement? On line 19 on the deed it is stated : Governing Law. This Deed of trust shall be construed according to the law of the State of Maryland. And Maryland does have a Law for mortgages.
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| 03/21/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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Case number : XXXX Filed XXXX/XXXX/XXXX I filled bankruptcy, including my mortgage with Rushmore Loan Management in XXXX and it was discharged XXXX XXXX, XXXX Creditors are supposed to cease reporting negative items after the notice of bankruptcy being filed and creditors discharging items. I am protected through the bankruptcy against any further consequences for this loan. After several credit disputes, Rushmore continues to report derogatory information on my credit reports. They will not remove the comments " settled for less than the amount owed ''. This comment along is not allowing me to get a mortgage to purchase a new home. ( XXXX was the lender at the time of the Bankruptcy ) Rushmore response XXXX/XXXX/XXXX We have conducted an investigation and corrected the error asserted within the received correspondence. Rushmore has confirmed that the Chapter XXXX Bankruptcy case you filed was discharged on XX/XX/XXXX. Please note that Rushmore submitted an update on XXXX XXXX, XXXX, to the main credit repository agencies to reflect the Loan as Closed, Discharged Chapter XXXX Bankruptcy. Please allow 30 days for the credit bureaus to update your account with them. We apologize for any confusion or inconvenience this matter may have caused My current complaint that still needs resolution. XXXX/XXXX/XXXX The words " settled for less than owed '' are the words that still need to be removed. This is the statement that is not allowing me to get a new home loan. I filed the BK over 6 years ago and this does not affect my ability to get a home loan. What I need the letter to say is " to remove all working related to settled for less than owed. '' What it should say is just Ch XXXX BK and give directions to the XXXX to remove all other verbiage more specifically to remove the " settled '' verbiage. I discuss the last letter you sent with the Bureau 's and unless it tells them to remove the " settled '' working, they will not remove it. Again, this is the working that is not allowing me to get a new home loan and as I file BK against the loan XX/XX/2009, I am no longer responsible for the loan and it can not go against my credit after the BK. Please address this issue immediately so I do not lose the home that I have an offer on.
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| 04/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
Servicemember |
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I applied for the covid forbearance plan that I was eligible for they advised that I was and said I would get my letter within the next week. I later learn that I was denied the assistance for Covid forbearance due to the property management team stated that the property is vacant how can you deem a property as vacant when the lights are on when the water is on and the gas is also on is beyond my understanding. The property has never been vacant and each and every time I try to work with this company they insist on advising that they will work with me and later this is never the case they hire these people who deemed the property as vacant. We have had a lot of storms in MS and therefore due to the storms it looks as if the property is vacant due to all the trees and waste after the tornado and constant rain which has made the up keep extremely hard the company hires people who sell my information to seize my home during this state I have had an unlimited amount of calls and text messages due to the breach of information within this company requesting that I sign over the home or I sell it to the outside rep. The company is hiring employees who are working for themselves to seize homes from the home owner in order to make a side profit for themselves giving out confidential information that is not suppose to be given out it is a breach in credit information a breach in privacy information it is a breach within this company that if they are doing this to me I am very sure they are selling the information of other homeowners to investors and other institution without the homeowners consent or knowledge it is important that someone investigates this company and their lack of assisting the homeowner using skillful tactics as loop holes claiming the property is vacant in order not to offer the programs available for the homeowner to keep their home only trying to seize and sell to investors who are within the company as colleagues to make a side hustle off of the homeowners expense an immediate investigation into the skillful tactics of this company is needed using slick loop holes to deny such as vacant after this brings it to the bank as not eligible for assistance due to slick use of loop holes within the mortgage system.
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| 05/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XX/XX/2020 Rushmore Loan Management Services Department of Consumer Affairs XXXX. XXXX XXXX XXXX, CA XXXX XXXX : WRITTEN REQUEST Pursuant to CFPB Mortgage Loan Servicing Rules To Whom It May Concern : In XX/XX/2020, my loan was transferred from XXXX XXXX XXXX Mortgage to Rushmore Loan Management Services. I made my XX/XX/2020 and XX/XX/2020 payments of {$2600.00} to Rushmore Loan Management Services.
On XX/XX/2020, I received my Annual Escrow Account Disclosure Agreement and Change of Payment Notice. It stated that my monthly mortgage payment was going to increase by {$570.00} per month as of XX/XX/2020 because of Rushmores Escrow cushion policy, which is egregiously excessive.
On XX/XX/2020, I spoke with the customer representative about the increase in my mortgage payment. I am requesting that my loan payment be reduced as it relates to my escrow analysis to remove the cushion.
Please note that this increase is excessive. My property taxes have only increased by {$120.00} per month. Since XXXX XXXX transferred my loan, Rushmore is increasing by {$570.00} per month which is excessive!!! And especially with COVID-19 it is unreasonable to have such a substantial cushion. I am submitting this as a WRITTEN REQUEST because of the COVID-19 quarantine, I do not have access to a fax machine to submit my request.
Also, note that I am a NY homeowner and I will submit a complaint regarding Rushmore Loan Services regarding your servicing practices. Once my loan was transferred from XXXX XXXX to Rushmore Loan Management Services I have been inconvenienced regarding payment options ( i.e., biweekly automatic payments to align with my bi-weekly payroll ) as, well as this excessive increase. I am also going to file this complaint with Governor XXXX XXXX, Attorney General XXXX XXXX, the Consumer Finance Protection Bureau and the NYS Department of Financial Services. Please note that I would like my payment adjusted as of XX/XX/2020 to reflect the actual increase of my property taxes ( i.e., {$120.00} ).
Please respond at your earliest convenience.
cc : Consumer Finance Protection Bureau New York State Department of Financial Services Honorable Governor XXXX XXXX Honorable New York State Attorney General XXXX XXXX
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| 01/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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In XXXX my husband experienced XXXX failure resulting in a XXXX transplant. Within 90 days he had to have another XXXX transplant as the first one did not take.That started a year and a half of hospital stays for my husband. It got to the point where I lost my employment due to too many days I had to take off to care for him. I then took a part time job and fell behind on the mortgage. My husband is still incapacitated and unable to work to this day. We have not been approved for XXXX and my husband has no income coming in. I have went back to work and applied for a loan modification. I was denied in XXXX, XXXX for no down payment. I was advised by XXXX ID XXXX on XX/XX/XXXX that the numbers looked good and if I could prove that I had a significant down payment I would be approved. COVID - 19 came into our lives as everyone else 's last year and due to my husbands history of medical problems it has become very dangerous for him to be exposed. This required us to alter our life in very unexpected ways to protect my husbands health. I sent in another package for modification review on XX/XX/XXXX and have included that package in the document portion of this complaint. After submitting the package I followed up on XX/XX/XXXX and was advised of missing documents ; specifically a legible hardship letter, bank statements for my husband, tax returns, flood insurance and proof of down payment. I sent the revised hardship letter, proof of down payment and XXXX - T on XX/XX/XXXX. I sent the letter of explanation that my husband does not have a bank account and I have been unable to procure flood insurance on XX/XX/XXXX. On XX/XX/XXXX a follow up call was made. XXXX XXXX advised that the last review of the package was XX/XX/XXXX and it was denied for missing documents. The documents she said were missing had all been sent as noted above. I was unable to speak to anyone handling the loan and when asked directly if they would put someone out with medical issues in a pandemic when they submitted all requested documents and the firm did not review, Ms. XXXX replied, yes. We feel as though this is unfair as the documents were submitted on our end and Rushmore not reviewing them was the reason for the file to be denied. Thank you.
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| 04/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Older American, Servicemember |
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XXXX sold off thier mortages to Rushmore Loan Mgt services XX/XX/XXXX. In XXXX i complain by phone after they raise the escrow without notification. I considered the calcs wrong. Sent emails in XXXX same complaint. Called XXXX for two things to complain about no action and also that preseent home insurer XXXX will be replaced by XXXX In dec. Wrote a email XXXX or XXXX to complain about lack of customer service, no return calls and lack of action. On XX/XX/XXXX unknown to me they payed XXXX before due date. Only found out after i look in XXXX after XXXX submitted thier bill. Wrote another email to inform them they paid the wrong insurance company. XX/XX/XXXX my XXXX was showing 30 days overdue. Again i wrote thier need to correct thier mistake. They finally paid XXXX at the end of XX/XX/XXXX or beginning of XX/XX/XXXX not sure presently. But they refuse to correct thier mistake which is over XXXX dollars to my escrow. Basiclly sent me a form letter on XXXX, XXXX, which is postmarked XX/XX/XXXX and recieved by me XXXX where they state this is my fault completely and obiviously my escrow is now missing money and short which they expect me to pay for.
They violated std escrow law where they have to notify of changes which i have the right to address at the moment. Second they violated fudiciary respondsibility by using MY money to purchase unauthorized insurance thus having me pay for two different home policies which is also against the law. I look at that unauthorized use of my money as theft which is a felony. Thier refusal to except fudiciary respondsibilty, lack of proper supervision of my account and lack of proper customer service has lead to months of distress on our part. My plan is to also notifify the states of Illinois and California of thier complete lack of fudiciary respondsibility. Plus if needed we plan on turning this over for legal action to the proper authorities and lawyer. You will also find out NEVER, again Never have had any problems with this in over 20 years, only after they took over. Also Im not even required to have a escrow since over 65 % of my loan is paid. This company needs to be held accountable for a complete lack of accountablity. The escrow account is my money not thiers
|
| 05/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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I received an Escrow Shortage letter from XXXX XXXX XXXX XXXX dated XX/XX/23. On said letter it indicates that my escrow account will be short due to increase in property taxes ( {$120.00} ) and increase to property insurance ( {$370.00} ) with the verbiage " Changes in the above items mean that the amount needed in your escrow account increased by {$490.00} per year. I understand this figure ( {$490.00} ), yet my payment is increasing by *** $ XXXX. The letter states that the minimum allowable escrow amount on my account is {$950.00} to avoid an escrow shortage the lowest yearly amount in my escrow account was on XX/XX/23 which was {$300.00}, {$950.00} - $ XXXX {$650.00} which is the amount due as lump sum to avoid any possible shortage. I understand this portion, if I am unable to make a lump sum payment the amount will be broken up into 12 months, so that would be an increase of $ XXXX month. Yet my payment according to this letter is being increased by $ XXXX. This was my question, why the discrepancy they are increasing my payment with an additional $ XXXX for a total charge of {$810.00} instead of {$650.00} I have asked why the additional charge of {$160.00} on 3 different occasions, the system states to expect a response within 48 hours but some may take 3-5 business days. I sent messages on XX/XX/23, XX/XX/23, XX/XX/23 and XX/XX/23 it is XX/XX/23 today and still no response. Same Scenario happened last year payment increased $ XXXX month x 12 months for a {$370.00} escrow shortage.
2nd question asked the last 2 years I have received a XXXX form indicating interest earned slightly under {$100.00}, I have never received a penny from XXXX XXXX XXXX XXXX XXXX I have looked at my account payment history no monies have either been deposited into my escrow account, no monies have been applied to the principal and no monies have been paid to me. Where is this money? I have never received a reimbursement of any overages i have paid. They failed to answer this question they just re sent me the XXXX form. I am beyond frustrated with XXXX as I feel something XXXX is happening. I have attached the copies of the messages sent on the pdf presentation because transcripts of the conversations are not available.
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| 12/05/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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My loan is currently serviced by XXXX XXXX. On or about XX/XX/XXXX, Rushmore received {$100000.00} from Keep Your Home California. The proceeded to misapply the funds, which has trapped me back into foreclosure. There is a foreclosure sale date set for XX/XX/XXXX. Listed below are my primary concerns.
1. The statement on XX/XX/XXXX shows a suspense balance of - {$53000.00}. I am assuming this is the surplus money from the XXXX payment from Keep Your Home California aka KYHC. Why did KYHC issue a check for such a large amount when account was around 48K past due? Did Rushmore make that demand? If so, that constitutes fraud on their part. KYHC is due to run dry of funds before the end of this yeartwo years before the designated end date of XX/XX/XXXX. The fraud links directly to a government entity, which means that False Claims Act Qui Tam applies. I SIGNED A DEED OF TRUST FOR XXXX, SO ULTIMATELY I WAS RIPPED OFF BY RUSHMORE.AGAIN!
2. Why is there a deferred principal balance of {$87000.00} listed on the payoff?
3. KYHC was applied a large part of the XXXX towards principal. KYHC is a program designed to assist unemployed home owners catch up and make regular monthly mortgage payments.not pay down principal.again The False Claims Act applies.
4. The loan never should have never been modified on XX/XX/XXXX, since it was current from the funds KYHC paid.THIS MAKES ABSOLUTELY NO SENSE! The only reason is was modified, was so that Rushmore could hide the excess money paid and reset the clock. They did not want the dirty accounting from the original loan lingering around.especially if they tried to sell the loan via portfolio to a new investor on XXXX XXXX.
5. The corporate advance fees listed below have extensive foreclosure fees, attorney fees and litigation fees that need to be accounted for. They need to show invoices from the alleged law firms that were paid.which they likely will not have.
Breakdown of the corporate advance balances paid : {$200.00} FPIR ( FC PROP INPSPEC ) {$3300.00} FCST ( FORECLOSURE COSTS ) {$2600.00} FFEE ( FORECLOSURE FEES ) {$14000.00} LFEE ( LITIGATION FEES ) {$47.00} BCTC ( BK COURT COSTS ) {$36.00} BCST ( BK COSTS ) {$800.00} BATT ( BK ATTNY FEES )
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| 03/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
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|
I am XXXX XXXX and the pandemic has affected my income. In early XXXX, I reached out to my mortgage company, Rushmore Loan management, and they agreed to give me a loan forbearance. The agents I spoke with told me they had many options during this trying time for lenders to work things out with them. When the forbearance period was up, I resumed making payments. I was not able to get the mortgage completely caught up. One of the options explained to me by their agent was a payment installment plan, whereby I would pay a little more each month to get caught up. I was instructed to complete hardship paperwork for their loss mitigation department. I completed the paperwork, and sent in all the documents they had asked for. This was in XXXX of XXXX. This paperwork, and getting all the documents together, took many hours to complete. For months afterward, I would call several times a month to get an update on a plan from the loss mitigation team. All I ever heard from them was we received everything, someone will call you next week. I never heard anything from them until last week, when I received a letter from an attorney who represents them, who is filing a motion to start a foreclosure. I called Rushmore, and was told that in XX/XX/XXXX, they had sent a letter to me asking for new or additional documents. They straight out admitted to me they sent it to the wrong address, and received a mail return from the post office. Because they did not get the documents, they cancelled or denied my request for assistance. I asked the agent why they didnt call me or email me when they found out they had the wrong address? Isnt that the whole purpose of mail return? It was an address I had not provided them with, and not even close to my correct mailing address, or the address of my lawyer. The agent said they would resend the loss mitigation paperwork, however, it now appears they trying to move forward with foreclosing on my property because of their own mistake. It is extremely frustrating, as I had done everything they had asked for. Im not sure how a large company like Rushmore could just accidently put the wrong address on my file, and it seems like a sneaky move to start a foreclosure process.
|
| 05/31/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
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We just recently found out that apparently the debt collector Plaintiff attorney law firm has been switched on XX/XX/XXXX and yet we received no notification from the Servicer, the old law firm or the new law firm.
The old law firm XXXX, XXXX, XXXX continued to correspond with us by phone and email thru XX/XX/XXXX even though they were no longer the law firm on the foreclosure complaint. They continued to give us false, incorrect and contradictory information. We only found out about this change when the Servicer Rushmore Servicer charged our account over {$1500.00} for fees for the new law firm, who has done nothing on the case, that we are aware, of that our account wasnt already charged for the previous law firm. When we questioned Rushmore, they had no answer of what the breakdown of fees was for and directed us to call the new law firm XXXX, XXXX XXXX XXXX. When our phone message was returned by law firm, they also had no idea what the fees were for, but had full knowledge of all the previous chain of events of the foreclosure complaint, which the law firm smugly and condescending tone talked down to us and went as far as to say to my that I am one of those guys and he knows my type.
Im furious at the way I was treated by this law firm, as its my very first contact with them and ever and I was directed by the Servicer Rushmore to contact them to get my questions answered regarding the $ XXXX fees, which at this time present time today still has not been answered.
Our complaint is against 1. the Servicer Rushmore for the fees added to the account with no explanation and incorrect Reinstatement balance.
2. Old law firm XXXX XXXX XXXX XXXX XXXX for continuing to contact us and give us incorrect information, when to best of our knowledge and according to new law firm was no longer the law firm on the foreclosure complaint case as of XX/XX/XXXX.
3. New law firm XXXX, XXXX XXXX XXXX for their unprofessional, smug and condescending attitude while speaking with me for the very first time and not answering our questions regarding their law firms fees charged by the Servicer. Which as of today we still have not had answered by the law firm as they said would happen on our phone call.
|
| 10/02/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
O XXXX/XXXX/15 I submitted a grievance letter to my loan Servicer and Note holder and had a CFPB case number XXXX. They responded with a a letter regarding their services and being correct and to deal with my home builder on my grievances and did not address the specific questions regarding the transaction of my note. My grievance letter was very specific with mortgage broker fraud and appraisal fraud and predatory loan issues using bank statements for stated income and many other issues relating to the origination of the note and the transactions of the note to present.
I sent a follow up letter in the portal to get my specific questions answered. They never responded to my second letter. I called the servicer and spoke with the point person assigned to my file. The point person stated, they closed the file and the compliance office will not speak direct to me and stated, this complaint file was closed and issue was addressed in their view. The point person said, maybe you should file another complaint, but this file is closed. I called CPFB, and asked if the file was closed. They stated they can only close the file, and to pursue this with a attorney and the FTC monitors the files and if they see something they will contact you. I can not afford an attorney at this time and now filling another complaint to get my grievances answered. As a consumer I am entitled to receive answers on my grievances made. It appears this is going to be a run around with my grievance, but I will keep trying to I get answers to my specific questions. I have followed the process as it was set up for, me, the consumer. Hopefully the other side with take time to address my grievances raised and provide their answers to my questions regarding my mortgage that I raised in my letter. I have also contacted my State Attorney Office with my grievances and my State Banking regulators with my grievances to see if they will address. I also sent to XXXX Federal agencies including this XXXX, my letter and the Servicer for the Note Holder letter response, to have a my grievances be addressed. I look forward the parties use this portal under the Federal government to have issues addressed for the consumer, such as I.
|
| 04/19/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
Older American, Servicemember |
|
rushmore loan management services is not applying my payments sent by XXXX on time in order to allegedly generate late fees and retaliation for me complaining to the uscfpb for not applying m y payments on time. it is all over the internet they do this and they refused to allow my bank and bill payer service to send my payments electronically by federal reserve ach money transfer that would end all of these games they play.
so I sent the following message to rushmore and my bank 's bill payer service told me they mailed the payment from XXXX, California to rushmore in XXXX California and XXXX XXXX, 2015 and received by them and as of XXXX XXXX rushmore still has not answered my previous complaint to uscfpb not given me my amortization schedule for this predatory loan that I never applied for and complained to the XXXX credit bureaus that it is not my loan and never applied for it and have no settlement documents for.
so here is the message i sent t o rushmore loan management services.
my bill payer service sent me a notice that the payment for XXXX 2015 was mailed to you from XXXX California on XXXX XXXX, 2015 and you received it on XXXX XXXX, XXXX it has not been submitted by you for payment. it seems you did this last month and credited my payment after the grace period on XXXX XXXX, XXXX allegedly holding the payment for crediting for 8 days before applying to my account. this time you still have n't applied the payment. the payment was mailed to you and the money is in the bank to pay it. why not stop playing games in order to generate late fees. it is all over the internet you do this illegal practice.
please apply my payment immediately. I have contacted my bank and their bill payer service to find out why you have n't applied my payment for XXXX 2015 per your letter to me to that effect that I received on Saturday XXXX, XXXX, 2015.
as I said they still have not answered my previous complaint and when I called them in XXXX they solicited me to do a loan modification when I have never been late or behind they are doing this to manufacture a default by not applying the payments. and coordinating with XXXX bank that also manufactures defaults by not applying payments.
|
| 09/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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This is related to a major loss to my property in XX/XX/2019 -- a very large tree fell on my house in abnormally high winds. The insurance cut a check to me and my mortgage holder as soon as I had a repair estimate ( XXXX XXXX ). It was for approximately {$220000.00}. Subsequently with additional findings of substandard foundation and other code requirements, the amount was increased to $ XXXX.
I have had unbelievable difficulties getting Rushmore to release funds to my contractor to pay for work that is already complete. The contractor is currently out of pocket {$100000.00} and we have passed an inspection showing 85 % complete but the contactor has only been paid 56 %. It should be very straightforward to release the remainder due. And yet I can't get Rushmore to release a check. And I can't get beyond a very limited scripted brick wall customer service of the available agents. The contractor won't come back to the job until he's paid. So, for the THIRD time on this round only, I am to wait for two days for Rushmore to call me back.
For every payment Rushmore has provided on this loss, my contractor has had to wait more than a month -- the inspections come in with completions but it takes multiple calls for Rushmore to release money and I don't think we've received even one payment within one month.
The contactor I selected does insurance work only. He has worked with multiple banks and this he says is the worst experience he's had.
They have probably delayed my job a cumulative of 6 months at this point by mistakes, multiple calls with no results, no customer service, unkept promises, supervisors who are supposed to call but never do ; agents with limited knowledge and very small scripts. They are ruining my life. I may not be able to afford this house that I've owned for twenty years when it is done, because it's been almost two years and my insurance limits have been reached on replacement living costs, so I am losing money. But no recourse at Rushmore.
If I was making late payments to them, they would charge me exorbitant late fees, but what recourse do I have when they don't release money that is not theirs!! AS far as I am concerned, they are stealing from me!
|
| 04/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
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Rushmore Loan Management Services is discriminating against us as XXXX XXXX XXXX and U.S. Veterans who previously had our loan transferred to them from XXXX XXXX during a Loan Forebearance period which completed in XX/XX/2019. During XX/XX/2019, we were advised to send our Loan Modification Application paperwork in and received countless delays in them processing our loan, whereby, the Veterans Administration Home Loan dept had to get involved. We are now experiencing discrimination and retailiation from Rushmore Loan Management Services who utilized biased and discriminatory practices on whom they choose to report late payments on during the course of the Applicants Loan Modification Process. Rushmore chose to biasely report our payments late during the loan modification and 3-mth trial period because we are XXXX XXXX XXXX and U.S. Veterans who opposed their illegal business practices utilized against us during our Forbearance period which was approved by XXXX XXXX and was supposed to be honored by Rushmore Loan Management Services. We raised these concerns to CFPB and the Veterans Administration. Hence, their has been retaliatory treatment by Rushmore Loan Management Services who is currently negatively impacting our Credit scores across all 3 Bueraus by at least 50 points which is now negatively impacting us with obtaining a VA IRRL with various lenders.
Rushmore is utilizing double-jeopoady tactics as well for investors to receive more monies with VA IRRL Loans, since they knew a customer would be negatively impacting, although they were being approved for a Loan Modification due to extenuating medical and financial circumstances we experienced when our daughter was hospitalized for 35 days including XXXX for a XXXX XXXX condition. They did not care about the customer in this instance, as much as they care about keeping Shareholders and Investors appeased due to pure GREED & Retaliatory Tactics applied in choosing to report against XXXX XXXX XXXX who experienced an extenuating family medical and financial emergency, as opposed to other XXXX XXXX. This is discriminatory and they are still doing the same thing during this pandemic epic COVID-19 occurring today.
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| 12/03/2021 |
Yes |
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- Struggling to pay mortgage
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Web |
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On Sunday, XX/XX/2021, my husband and I tested positive for XXXX, so on Tuesday XX/XX/2021, I contacted the mortgage company with a concern for our upcoming payment because we aren't getting paid for this time off work. I simply asked to defer a payment to the end of our loan and was told that was not an option at all, this was in a chat log. They instead suggested I contact my state, which is upsetting to me. I do not want to apply for government assistance for this matter, because we faithfully pay our bills. We don't need that kind of help just for the mortgage company to modify our loan for this hardship.
On Wednesday XX/XX/2021, I had talked with someone from our county of residence and was told that we don't even qualify for help because our mortgage is current. So there is no help for our situation, which isn't fair either.
On Thursday. XX/XX/2021 I again contacted the mortgage servicer, Rushmore Loan Management Services, and was told there is nothing they can do to help us AGAIN. I stayed on the phone complaining about our situation, as the man on the line ( forgot his name ) suggested he get a supervisor on the line because I wasn't satisfied with this. They just kept suggesting I cancel my autopayment and pay it when I can. I can not afford to make a double payment after we don't get paid either, so I turned down that option as it doesn't really help.
The supervisor, very rude and talking over me at times, didn't want to help me or suggest any other help UNTIL I told him I was going to file a complaint with your agency and then suddenly, we could " APPLY '' with some packet for a forbearance. I asked what information will be needed and one of the things he mentions is our bank statements. Now, is when I really get upset...
I can prove our hardship through proper documentation of positive XXXX tests, letters from XXXX XXXX health department with orders to quarantine and not work, and also paycheck stubs to prove we aren't getting paid.
I shouldn't have to let this company invade my privacy just to prove the temporary hardship. Also, then the supervisor suggested he was sending the packet anyway because " I have to now! '' No, you don't and I declined.
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| 05/17/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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Since several month ago Rushmore Loan Management Services ( RLMS ), Collection department, is sending me monthly letters, dated the XXXX day of the month, saying that I did not pay my monthly payment. Accord the NOTE I have until the day XXXX of each month to do my monthly payment, and they also put at the monthly billing statement of XXXX, XXXX ( attached copy ) that I did not pay them and I did it. I always send my payment the XXXX day of each month, so they receive the payment in 3-5 days. This is happening since they cut the Monthly billing Statement on the day XXXX of each month, and it showed as I did not pay them, and I did it, so my monthly billing statements should show the payment I done : my concern is that if the payment is not reflected in the Statement, means they can put me in foreclosure eventually. I really did not wish to be in that position since is very stressful, and I did not like it because I am paying them every month according with the NOTE.
Also they put a clause that mentioned that {$73000.00} as a deferred balance that I suppose to pay at the end of the loan, that also worry me since I am a XXXX, and in XXXX years I should pay them a balloon payment of {$73000.00} at the end of the loan ; for me is a treat to lose my home after several decades of paying it. They also mentioned al the addendum that I have 2 years to refinance my home, and that if I do " probably '' they will eliminate the {$73000.00}. I visited several companies in the refinance marketing, and after they review the documents done for RLMS and they told me that they can not refinance my loan, and that the only one who can do it is RLMS. I sent a letter to them asking for the refinance process.RLMS received {$25000.00} in XXXX and then $ XXXX XXXX, from Keep Your Home CA with the porpoise of maintain the families in their home, and stabilizing the house market, means the government did it their part and effort, I am paying them every month, so I am expecting them doing their part also : refinance the loan and eliminate the {$73.00}, XXXX described at the Loan Modification agreement paragraph XXXX, page XXXX and paragraph XXXX page XXXX, page XXXX Balloon Addendum ( attached ).
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| 01/13/2021 |
Yes |
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- Trouble during payment process
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Web |
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Earlier this year I was making my mortgage payments weekly at $ XXXX totaling {$800.00} a month. My actual monthly payment was only {$700.00} a month. Rushmore refused to apply these payments when they reached {$700.00} and would hold my money in a suspended account, which I believe is in my original contract to hold my payments until the monthly amount is reached. Even though the amount in my suspense account would exceed {$700.00} prior to the grace period they would continue to hold this money until after the date so they could tack on late fees and other charges. When I would call them they would claim that it was a computer error and my account was current or the payment hadn't processed in time. They were sending me monthly notices claiming nonpayment as well and threatening me with foreclosure even though the statement would show that they had received my payment it just was not applied. I also had the bank statements verifying these payment as I paid them directly from my account. I reached the point I was having to threaten getting a lawyer, but they continued this leading to me becoming very irrate.
I adjusted my payment strategy to only apply one payment directly from my account on the XXXX of each month in the amount of {$710.00}. The harassment stopped until this week. My payment rose from {$700.00} to {$760.00} starting XX/XX/XXXX due to escrow changes and I did not update my automatic payment in time so I sent another payment of {$60.00} on XX/XX/XXXX making my total payment for the month of XXXX {$770.00}. I initially ignored the calls assuming that the payment had not processed yet, however this is XX/XX/XXXX six day since the payment was sent and 2 days before my grace date of the XXXX and I received another call and was hung up on when I answered so I called back and the computer claims I have not made my payment for this month.
I'm paying more than I owe there is no way I am not making my payments. The company thankfully hasn't tried to make false claims of late payments to the credit bureaus so it has not negatively affect that yet. It has however severely frayed my nerves to the point that I take it out their customer service reps. when I call.
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| 05/28/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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Rushmore Loan Management Services LLC, a debt collector and servicer of the mortgage, on several occasions have authorized XXXX XXXX XXXX, to change the locks on my property. XXXX XXXX has illegally locked me out of my home, by breaking the lock, entering the home, removing valuable items, clothing, jewelry, removing food from the cabinets, etc. and replacing the lock on several occasions, leaving me unable to enter the property upon return which is late at night. I 've had to sleep in my car because of the illegal lock out. I 've replaced the lock at least three times in the past four months, at a total cost {$75.00}. I 've called and spoke, to both XXXX XXXX XXXX, the party who does the lockout and Rushmore to the manager on the account. The first lockout, I changed the lock and entered my property, which was then removed. On the second occasion, I called XXXX XXXX XXXX to inform them that the property is not vacant or abandoned. I was referred to Rushmore. After speaking with the manager on the account, he advised that I meet with their representative at the home and provide identification prior to be given the keys from the lock box to enter my home. I could not meet with them since I would have to leave my job to do so, and to be on their time frame. So upon return to my property, I again changed the lock and entered my home. This was again replaced by XXXX XXXX on XXXX XXXX, 2015. I have since replaced the lock and have placed trespassing signs on the property. Furthermore, on XXXX/XXXX/15 I have written a Cease and Desist letter to both Rushmore and Field Asset Services. The home is in foreclosure, but the debt collector has not proven that it is the proper party in the case, thus, the case has stalled and there is n't any activity on the case as of to date, and there is no judgment. This is very stressful and uncomfortable, because when you leave work and decide to drive 2 hours to get home and find the door lock changed, and you have to sleep in the car, as I 've had to do, this illegal activity must be ceased. I am hoping that Rushmore and XXXX XXXX XXXX comply with the Cease and Desist letter. I hope this agency can be of assistance in this matter.
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| 03/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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This company is nothing but a headache. I wish our loan was with someone else and not them. Complaining about them in detail would be exhausting.
Here is my complaint : My father died recently. He has a will. As far as I know, his will should be active. What it says, should be enforced and not dismissed. As far as I am understanding, my sister and I are heirs to our parents house. We are successors-in-interest.
In XXXX of XXXX, we received a contract confirming my sister and I as successors-in-interest.
On XX/XX/XXXX, I had called in and spoke to a rep named XXXX. She confirmed to me that my father 's will means nothing and that I am not a successor-in-interest according to their policy. As well, they can not give me any information regarding my mother 's estate. Which is false, because before, I was confirmed as a successor and I was given information when asked.
When I asked XXXX about the previous contract, she said that it was a mistake. How does a large company with plenty of people working to review paperwork, make a mistake??
I can't tell you how bad the communication is from this company. No one seems to be on the same page and there are too many people giving answers. Our point of contact XXXX XXXX is the worse. I already complained about him and he is still failing at his job.
I need straight answers. CFPB in XXXX enacted rules regarding successors-in-interest.
My father 's will states, " his executors ( his children ), shall take possession and control of his estate ''. If this does not mean anything, then he wasted money making this will.
I want my name confirmed as stated in the contract given. I have already signed my portion of the contract. I was told by a representative that this was okay. His permission was given on a recorded line on Rushmore 's behalf. Not mine.
I was also told that my signed, notarized portion is not acceptable. Rushmore is now changing their answer.
This company 's communication is a bunch of garbage. They flip/flop. They are not on the same page as stated above. It's beyond me how they are still in business. They have awful reviews, which does not bother them.
I want this fixed immediately!
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| 02/22/2020 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I'll try to keep this brief and concise : My parents both passed away ( father passed in XXXX, mother passed in XXXX ) and defaulted on their mortgage to XXXX XXXX ( Formally XXXX XXXX ).
The mortgage debt was sent to a collection agency named Rushmore Loan Management Services LLC. Rushmore Loan Management sent a notice to the defaulted mortgage address on XX/XX/XXXX, providing an overview of debt repayment options, addressed to the Estate. There was no Executor of the Estate, due to my parents passing with far more liabilities than assets, there was no inheritance, no one wanted the house, we let the mortgage company take the house. I called Rushmore at ( XXXX ) XXXX to explain the situation.
Eventually the house was cleaned out, and the bank took possession of it on XX/XX/XXXX. Shortly after this date, I received a 1099-MISC form from Rushmore, stating {$7000.00} in Box 3 for Other Income. I personally never had a loan with Rushmore or XXXX XXXX, I've never had a mortgage in my name, ever. I have also not received any money, checks, or debt relief, since I've never had a mortgage. I've called Rushmore multiple times around XX/XX/XXXX to address this issue, and they verified that I did not have a file or an account being managed by this company. I was instructed to write a letter with accompanying documentation to : Notices of Error, Requests for Information and Complaints Rushmore Loan Management Services LLC XXXX. XXXX XXXX XXXX, CA XXXX I sent them a letter stating the issue, a copy of the 1099-MIC, death certificates of both my parents, and a copy of the page they sent to the Estate. A few days later, I received a notice from Rushmore stating that " There is no written authorization on file from the borrower ( s ) authorizing Rushmore to discuss this loan with you. '' They have not acknowledged sending this 1099-MISC and have no intentions of remedying it. Their reply is correct -- I do not have authorization for the loan, it was my parent 's loan and not mine. There was absolutely no reason to send me this 1099-MISC. They are not even addressing the erroneous 1099-MISC document that they sent me. I will upload all of my documentation.
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| 05/05/2020 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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We called our mortgage loan holder Rushmore Loan Management on XX/XX/2020 to request a 6 month forbearance of our USDA Guaranteed single family mortgage loan as delineated by the CARES Act. We were told to call back on XX/XX/2020 to make the request.
We called back on that date and were told that they would only grant us 3 months forbearance and that at the end of the 3 months we would be required to repay the total amount due. We explained to them that they were in violation of the CARES act which gave us 6 months forbearance and which allowed us to add the amount due to the end of our loan. They were supposed transfer us to another person but since no one was available this person ended the call by saying that they had already initiated the 3 month forbearance as requested.
On XX/XX/2020 we got a packet from Rushmore asking for our signature on the 3 month forbearance and stating that they would be reporting us to the credit bureaus as a credit risk.
On XX/XX/2020 I called Rushmore once more and again explained to them that they were in violation of the CARES act by requiring signatures, reporting us to the Credit Bureaus, and only extending 3 months of forbearance when we were clearly guaranteed 6 months. This person placed me on hold, consulted another person, then agreed that we were correct, that Rushmore was 'sensitive ' to its customers during this time of crisis and that they would honor the 6 months forbearance-however, because of the limitations of their system, we would have to call back on XX/XX/2020 in order to request the remaining 3 months forbearance. This person indicated they would not be reporting us or any of their customers with federally backed loans to the Credit Bureaus.
Because of their behavior thus far I don't believe them and want to complain that they are in violation of the CARES act for clearly disregarding the provisions of the law regarding forbearance of federally backed home loans.
Also, I firmly believe that if they are treating us this way that they are using these same tactics to harass other customers who are clearly protected under the CARES act but who are not aware that this protection exists.
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| 10/30/2018 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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We are filing this complaint against XXXX, who violated their RMBS agreement with the federal government when they bought a HELOC debt from XXXX.
They were obligated to negotiate a settlement fairly, but instead, instigated foreclosure in the midst of us applying for a negotiation, they committed modification fraud with false amounts, outrageously false property values, when we complained about their servicer Rushmore Loan Management to CFPF, Rushmore lied in their response to CFPB and submitted false documents to the CFPS, and then we were suddenly advised that this false debt amount they attribute to us, had been sold to XXXX XXXX XXXX, and then we received another notice that it was sold to a XXXX XXXX in Arizona. Essentially XXXX never met their RMBS obligation to offer fair relief, which they were obligated to do. Instead, they threatened us and has no intention of fair settlement, and have since cost us much more in legal fees and more.
Regardless, XXXX only notified us a month after they sold the debt, that it had been sold, and we received two conflicting letters about the new owner of the debt, so we have no idea who actually owns it, but one of them has attorneys sending us threatening forceclosure documents. We also received conflicting contact addresses.
XXXX aka XXXX XXXX, was obligated under the RMBS agreement to offer relief for debts they purchased from XXXX, instead committed modification fraud, false attempts at modification, lied to us, threatened us inappropriately, falsely sent an appraiser, who told us she had been hired to take photos to sell the house, not appraise. etc.. started foreclosure proceedings while they were pretending to negotiate a settlement, falsely appraised property ignoring legal issues attached, and boundary disputes, and threatened to sell our home, falsely reported amounts owed to credit bureau, and finally sold the " debt '' wildly false amount to different entities, who are now both harassing us, and threatening foreclosure, and XXXX never notified us that they had sold us, until a month after the alleged sales of the same debt to two different trusts?
XXXX XXXX XXXX XXXX XXXX, TX XXXX
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| 04/27/2021 |
Yes |
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- Struggling to pay mortgage
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Web |
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When I purchased the house there were agreements made for repairs ..they were never repaired. XXXX bank owned it and in a month sold to wells fargo. The realtor assured us we only needed him it was a home that requires inspection for the type of loan it was Attached is pictures of contract. The add for The home was placed by tidewater properties XXXX XXXX XXXX was our realtor. My wife became deathly ill and we could figure it out nor could the dr.it took years.. andover those years many more problems became apparent .. the roof was never fixed called the contractor who did the work.. they told him to bandage it to the best of his ability. The air-conditioning company could not reach drain lines for condensation it ran under the house. The new pipes in the add was untruthful it was old steel pipes ..no lead inspection.. and ad water reports. Dispite this we worked with the bank let them know of problems the house is condemnable. The well was 30 feet. The inspector XXXX XXXX was friends with XXXX XXXX ..he passed the house.. lost my job of 15 years to take care of my wife who was dying with no answers ... We did forbearance in hopes of saving the house made 7000 lump payment. We had pmi on the home we consistently shared this info with wells fargo. State farm dropped our home owners insurance dropped us because it was unsafe. Also let them know. Mold started to appear from the unfixed roof 5 layer of shingles in spots ... water was running in the walls first was green mold then black mold and finally purple the most deadliest mold.. my wife was diagnosed with lupus sle with organ involvement XXXX XXXX and XXXX she has XXXX been in comas my kids watched thier mother XXXX infront of them and me loosing my wife XXXX XXXX XXXX and XXXX are a deadly combo.. we also found that behind the wood paneling was nothing but frame work no insulation. We informed the bank we feel they were fraudulent sold the house and so we're we .we notified the bank every step wells fargo. XXXX to be workingt things out..we put every bit of cash we had to bbuy this hhouse wew were working on deed in lieu and other options when they sold my mortgage to rushmore hous
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| 02/21/2019 |
Yes |
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- Struggling to pay mortgage
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Web |
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I recently filed a complaint on XX/XX/19 with the CFPB ( complaint # XXXX ) which has been closed. I have attached a copy of my original complaint for your review. I do not consider this matter closed as the response from the company is not valid. To make a long story short, Rushmore Loan Management Services has refused to pay an incentive which was offered to me for completion of the Deed in Lieu process ( additional details can be found in my original complaint ).
The response provided by Rushmore 's loss mitigation department was simply that it was a requirement of the offer that the house must be left in " broom swept clean '' condition. As part of my original complaint, I attached an email from my loss mitigation representative, which addressed this very matter before the process was completed. Upon receipt of the offer, I was concerned with this issue because I did not have the financial resources to clean the house. As you will see, she assures me that the offer is a " generic '' letter and that the investor has already agreed to accept the house " as-is '' and the condition of the home will not affect my ability to receive the incentive. She stated that the property had already been secured and this would not be an issue. I have again attached a copy of this email for your review.
This process cost me time and money. Not only did I miss days at work to deal with issues at this property over the 6 years the banks dragged their feet even thinking about getting the title out of my name ; I also had to pay an attorney to review the paperwork they wanted me to sign. Given that I had already been through a bankruptcy, I had no financial reason to follow through with a deed in lieu. I simply wanted this to be over and was counting on these funds to make up for some of the financial burden I had incurred over the past 6 years.
The practice of offering incentives to individuals that are obviously having financial difficulties and then attempting to create a " loophole '' not to pay them is clearly an " unfair and deceptive '' act or practice which falls under the scope of UDAAP. Rushmore should be held responsible for this practice.
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| 10/14/2021 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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I was in forbearance with Rushmore Loans from XX/XX/XXXX to XX/XX/XXXX and I have the forbearance documents stating that. I have made 6 payments and the requirement is only 3 since exiting forbearance and I am trying to refinance my loan. The lenders I have worked with say they can't refinance my loan because my current lender has me going through a loan modification trial period. They raised my payment about {$150.00} for the last three months to see if I could make the payments, and I have. I want to refinance this loan to get a lower interest rate and prevent my current lender from only giving me the option of a modification. Their plan is to take my missed payments and add that to my current loan balance. I do not agree with that and feel that is predatory lending practices. Why should the missed payments be added ON TOP of the loan balance rather than at the end. They will get their money because IT IS ALREADY PART OF THE LOAN. So if I owed XXXX and I missed XXXX in payments, HOW DOES THAT MEAN THEY CAN ADD THE XXXX ON TOP TO MAKE A NEW LOAN BALANCE OF XXXX???? IT DOESN'T MAKE SENSE. I DID NOT GET ANY EXTRA MONEY. If anything, they should just extend the length of the loan, not add it to the balance.They refuse to work with any of the lenders that contact them about my refinance. They just say I am delinquent and never mention the forbearance. They will not give up any documents at all.
Anyway, the new lenders are telling me that even though I exited forbearance, made double of the number of required payments after forbearance, they can't refinance me because my current lender is dragging their feet to do a loan modification!! How is this even fair??? Is it true that I can't refinance if they are doing a loan modification??? If so, WHY NOT??? They will still get their money because I have to refinance the entire amount of my original loan anyway. If this is common practice, HOW IN THE XXXX DOES THIS HELP PEOPLE WHO HAD TROUBLE DUE TO THINGS OUT OF THEIR CONTROL ( C O V I D!!!!!!! )????? Please return my email or call me at your earliest convenience so i can get out from this terrible lender!! Please have a heart and help
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| 03/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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After losing my job of XXXX years making XXXXk/yr I was able to maintain the payments for while with the pay out from my annual leave. When those funds depleted, I withdrew my retirement early and paid them {$24000.00} with little left over. COVID hit and it was really hard to find a job making enough to pay the mortgage each month. I filed hardship along with submitting MULTIPLE Loss Mitigation applications. All denied. So instead of lowering the monthly payment and letting me keep the home I worked so hard to get in the first place, they have decided to foreclose on my home. Im trying to work with XXXX to stop the foreclosure but they needed to get started on that process at least 37 days before the sale date. They are still going to try but feel certain they will not have enough time. I called Rushmore to give them verbal authorization to speak with XXXX. When XXXX called them, they blatantly lied and said I had not called to give them authorization. I had to call back and let them know I DID call and to please note that on my account immediately. Rushmore Loan Management sent me letter DATED XX/XX/2022 to let me know the sale date is XX/XX/2022. Ultimately making it impossible for me to try to get the foreclosure stopped unless I file for Bankruptcy because thats obviously less than 37 days. That is unfair considering losing my job due to budget cuts then not being able to find gainful employment because of the impact COVID has had on everyone. Not to mention, Im on multiple medications for XXXX, XXXX XXXX XXXX, XXXX and XXXX I tried filing for XXXX but was denied because I wasnt having XXXX often enough. I was told by the attorney that if I was having at least 2 to 3 XXXX a WEEK, then they might would consider it. So in other words I would have to go off my medications and risk having a fatal XXXX to be eligible for XXXX?!?!?! I have a good job now as a XXXX XXXX and I love it! I really want to keep my home. What Rushmore is doing is unethical, potentially illegal, and unconstitutional. When I was working at the job I had had for 17 years, I NEVER missed a payment. Its disheartening to believe they cant do SOMETHING.
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| 05/23/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XXXX XXXX DID NOT GIVE PROPER FORECLOSURE NOTICE, WO N'T TELL US WHY OUR ACCT BALANCE INCREASED {$37000.00} ONCE THEY PURCHASED OUR LOAN FROM XXXX XXXX XXXX ; THEY DENIED LOAN MODIFICATIONS BASED ON INCOME THAT THEY ENTER FOR US ( WOULD N'T LET US DISPUTE THE INACCURATE INCOME THAT THEY SUBMITTED ) XX/XX/XXXX XXXX XXXX XXXX sold our loan to XXXX XXXX . XX/XX/XXXX XXXX n ot XXXX XXXX sen t statement of debt pursuant to NC GS 45-21.16 ( c ) ( 5a ). XX/XX/XXXX XXXX served us foreclosure paperwork w/ XXXX as Note Holder. XX/XX/XXXX : XXXX canceled the f/c hearing. XX/XX/XXXX : XXXX XXXX served us : Rescheduled Hearing Noti ce w/ New Cr editor in section 10 as XXXX XXXX . To this d ay XXXX XXXX has not sent us a statement of debt pursuant to NCG S 45-21.16 ( c ) ( 5a ). They also will not tell us why the 1st monthly statement they sent us reflects amt due of {$120000.00 } ( XX/XX/XXXX ) while the last statement that XXXX sent us reflects amt due of {$84000.0 0} ( {$37000.00} difference w/ in 30 day time pd ). They also denied loan modifications due to inaccurate income that THEY reported in error. We tried on several occasions to let them know it was wrong and tried to give them the accurate income info. They would NOT call or email us ba ck. XXXX XXXX bought our loan as of XX/XX/XXXX . Per the Prom Note, # XXXX , they are obligated to keep all promises made in the Note. We modified our loan XX/XX/XXXX . Per the DOT, para. XXXX , we have the right to Reinstate. XX/XX/XXXX we received reinstate calc. good thru XX/XX/XXXX . W e pd in full reinstate amt {$32000.00} on XXXX . XXXX we recd Nonpymt notice on XX/XX/XXXX we were served foreclosure on XX/XX/XXXX bank Vol Dismiss XX/XX/XXXX served f/c XX/XX/XXXX bank Vol Dismiss XX/XX/XXXX served f/c XX/XX/XXXX bank Vol Dismiss. We have been unable to make our monthly pymts because the bank continues to keep us in foreclosure. XXXX XXXX bought our loan from XXXX XXXX XXXX knowing that it was in litigation & that we have been disputing this erroneous foreclosure.
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| 06/07/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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Due to XXXX and combined low income, we are selling our home of XXXX yrs. The " title search '' provoked a demand for payment from a XXXX lien with Specialized Loan Servicing , LLC, which we did not expect! In XXXX, due to medical issues and expenses, we refinanced through XXXX XXXX Mortgage Advisors who obtained for us XXXX mortgages, XXXX which would later be sold to SLS. XXXX, we filed a chapter XXXX which was discharged in XXXX but, did NOT include our XXXX ARM mortgages. Wrote to SLS and XXXX XXXX XXXX XXXX asking to modify our loans due to financial hardship. SLS complied and we made our payments on time until XXXX XXXX.
At that time, I spoke to our XXXX XXXX XXXX, regarding tremendous fear of losing our home, as we were " under water '' $ XXXX!! We also had no choice but to use credit cards for treatment of the XXXX XXXX!!! THAT alone was costing OUT OF POCKET up to {$600.00} a month to stay alive, which medical insurance would not cover at the time!! XXXX recommended a person at XXXX XXXX in XXXX for prevention of foreclosure. That person told us to STOP PAYING XXXX mortgages at once. He said the small mortgage with SLS ( $ XXXX ) would likely get thrown in a " pool '' along with other small loans & be forgiven with all the " bail outs ''. He said it would cost more than the loan amount for them ( SLS ) to go after us, and we would likely not hear from them again, which we did not, until now.
SIx years later, SLS is demanding $ XXXX inc/interest from the house sale, leaving us broke & virtually homeless! We were counting on using the profit from our home to relocate and find affordable housing, which we had in place.
Last month, I called XXXX and spoke with a representative at length about our situation and asked if there was anything we could do? Perhaps negotiate the accrued {$10000.00} in accrued interest? She was rude, uncaring and refused to negotiate anything, stating there was nothing they could do for us.
This is why we are reaching out to you for help! We do have buyers and if all goes through, we will have to be out of our home by mid to end of XXXX. Time is of the essence!! Thank you for your time!
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| 07/25/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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|
Web |
Servicemember |
|
Loss of employment for both borrower and co-borrower XX/XX/XXXX. /loss 75 % of income/stopped paying XX/XX/XXXX /currently owe 14 months/ filed chap XXXX bk in XX/XX/XXXX /chap XXXX bk discharged XXXX ; XXXX was servicing mortgage and sold XXXX to rushmore /our income changed submitted loan modification request to rushmore XXXX XXXX and rushmore stated loan modification denied XX/XX/XXXX /due to non-sufficient income received this denial communication via email/ atty for rushmore requested " motion to lift stay '' in XX/XX/XXXX / today XXXX Judge approved stay to be lifted/ auction date set for XXXX the above information is a timeline of events. We have received 4 denials/ modification/deed in lieu/ short sale/relocation fees all of our requests have been denied by the XXXX. We admit we owe the 14 months in mortgage payments. however, with the bankruptcy discharged we now have sufficient income to make the monthly payments but the bank is stating otherwise. deed in lieu was denied because of liens on the title from Keep your home california and liens from XXXX and XXXX. relocation fees were denied initially but currently we have ongoing negotiations with rushmore. I am an XXXX veteran looking for assistance in communicating with our bank or we will be homeless. The bank wo n't even consider any programs for my military service I have to believe there is something they can do for us. We need assistance with finishing negotiations with the bank and come to an agreement to move out with dignity. we do n't want to go through the eviction process we want to come to an agreement that is beneficial for all of us, but now they wont even talk to us. In our last conversation we discussed short sale and the representative stated that we would have to have an offer in writing in order to consider it. So once again denied. We have been treated unfairly throughout this entire process. We have provided every document in a timely manner that was needed by the bank however, they are not offering us any solution for an amicable resolution. If you need any email correspondence please let me know i can forward it to you.
|
| 12/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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My experiences with Rushmore Loan Management Services suggest that their automatic billing processes are prone to error and lack transparency.
In XXXX of 2018 I changed the way I paid my mortgage from automatic payments initiated by my checking account to using Rushmore 's automated debits, which would automatically deduct my payment each month, and would automatically adjust when changes to my escrow payment required it.
I'd forgotten to cancel the monthly payment initiated by my bank, so I made two payments in the month of XXXX. When I realized this, I contacted Rushmore and asked them to reassign the overpayment to my principal. On XX/XX/XXXX, I expected Rushmore to debit my account per my automatic payment agreement, but this did not happen. I was traveling abroad for much of XXXX, and did not realize this until XX/XX/XXXX.
When I spoke with a Rushmore customer service agent, I was informed that my payment for XXXX was not made because the double payments for XXXX caused the account to register no balance due. I also learned that both payments from XXXX had been attributed to principal, so I was in default for XXXX as well as XXXX. Furthermore, my account was not debited as usual in XXXX since my account was in default. I incurred approximately {$110.00} in fees due to the missed payments.
Rushmore encourages users to use auto draft payments : their website states : " Rushmore highly recommends setting up recurring auto draft payments, if your loan is eligible for the service. Signing up ensures you will avoid being late on your loan payment ''. I did this, and consistently had sufficient balance in my checking account to cover the drafts. Nevertheless, my account became overdue and I incurred fees and had negative impacts on my credit score. It also took some time and inconvenience to resolve the issue. Furthermore, I was not able to find any information on Rushmore 's website ( rushmore.customercarenet.com ) that showed the terms of my existing recurring bank draft agreement, nor did I receive any communications from them explaining that my bank draft would not go through as scheduled.
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| 07/29/2018 |
Yes |
|
- Trouble during payment process
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Web |
Servicemember |
|
We received 2 attached contradicting letters from Rushmore in response to my initial CFPB Complaint Number : XXXX. First of all, both letters were dated on XX/XX/XXXX - From both XXXX, CA Office ( which attached a PDF Response Document ) and XXXX, TX which included inaccurate information which does not attest to the full truth. Here are my concerns as follows : 1. PDF Document attachment again does not outline the Fact that we are currently under a Forbearance Program through XX/XX/XXXX via XXXX XXXX Transfer to Rushmore Loan Servicing. ( Please see Attached documentation which was sent over 7 times to Rushmore and original SPOC - XXXX XXXX ). Also, your excuse about posting a note on our door is contradictory as well because we were already in a Forebearance. We were also fully aware of debt obligation based on XXXX XXXX XXXX Forbearance information which was already sent to us and Rushmore during the Transfer, and there was no need to attach our Mortgage * & Deed information. This is another form of Retaliation because we filed a CFPB Complaint as U.S. Veterans.
2. The 2nd Letter received was from the XXXX Office with the same date of XX/XX/XXXX which is inaccurate full of untruths. Contrary to this letter, we reached out to correspond with Rushmore on several occasions via email and phone with no response from the original SPOC - XXXX XXXX - until XX/XX/XXXX. After several attempts and a prior CFPB complaint, XXXX XXXX, finally reached out in XX/XX/XXXX and we spoke about the current Forebearance and the fact that it goes through XX/XX/XXXX.
We also specificallly spoke about the Loan Modification application being submitted by the end of the Forbearance to roll-in the loan balance/restart loan at 30 yrs, once we submit the application with updated income. Therefore, this letter is also a form of retaliation because we filed various CFPB Complaints regarding Rushmores treatment towards U.S. Veterans and XXXX Minorities.
Although, Rushmore reassigned the case to another SPOC, does not negate the fact that they have discriminatory practices towards XXXX Minorities and U.S. Military Veterans.
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| 05/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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COVID forbearance emergency - our mortgage companies will not work with us on a modification, but instead want to short sell or foreclose.
My wife and I were hit hard financially during COVID, I lost my company and all ability to earn money. We entered into a COVID forbearance program to alleviate some hardship on our family. We extended the COVID forbearance for the full 18 months and immediately began the loss mitigation modification process with both of our mortgage providers, we have a primary and a home equity.
The primary mortgage was sold to Rushmore Loan Services prior to our forbearance ending so I have no history with this company, but they've denied our modification because they say they can't beat our 5 % interest rate. I've requested a deferral instead so we can proceed with our monthly payments, but they stated that they can't modify our mortgage unless they can better it. They've offered a short sale, foreclosure, or a deed in lieu in place of a modification. I have four children, all of who live at home, and selling our home is not an option. Since COVID has slowed down, both my wife and I were able to obtain full time employment, and are more than able to meet our monthly obligations, but we need Rushmore to offer a workable option for us. We just came out of our financial hardship so the last option they provided, of paying the FULL past due balance is not an option either.
Our 2nd home equity mortgage modification has been in process since XX/XX/2021. I've jumped through hoops to get them all of the information they required, and have been denied twice based on that my 1st mortgage is not in good standing. I don't have other options. COVID left my family financially struggling, and the mortgage companies are not willing to work with me on resolving this. We're being taken advantage of, and also feel that the mortgage companies are more interested in stealing my house then helping me work out a solution.
Please help, I've exhausted all other options and I'm afraid I'll lose my house to these predators.
Thank you, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
|
| 08/01/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
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XXXX XXXX XXXX. as " Trustee '' for the RMAC Trust, Series XXXX is a FRAUD. XXXX XXXX, along with servicer Rushmore Loan Management Services LLC. are attempting an ILLEGAL FORECLOSURE of my home in XXXX XXXX, Ca. XXXX XXXX XXXX. for the RMAC Trust, Series XXXX is NOT my trust!! My " Original '' Lender was XXXX XXXX XXXX in XX/XX/XXXX. My " Original Trust '' was XXXX Asset Backed Certificates Trust, XXXX, and NOT the RMAC trust. My " Original '' Trustee is XXXX XXXX XXXX XXXX - NOT XXXX XXXX. All is FRAUD. XXXX XXXX was fined XXXX XXXX dollars in XX/XX/XXXX for filing FRAUDULENT Proof of Claims as " Creditor '' in ChapterXXXX Federal Bankruptcy cases. In XX/XX/XXXX, XXXX XXXX filed a FRAUDULENT Proof of Claim in my bankruptcy case. XXXX XXXX as Trustee for RMAC Trust, Series XXXX DOES NOT OWN MY NOTE, nor does Rushmore Loan Management Services LLC. They filed a FRAUDULENT Corporate Assignment of Deed of Trust in the XXXX XXXX County Recorder 's Office the same day that their law firm, XXXX XXXX attempted a Trustee Sale on my property. They are liars, and they do NOT own my loan, secured by my property. MY old XXXX XXXX XXXX is an UNSECURED DEBT, due to improper securitization and the failing of XXXX to deposit my loan into the trust. XXXX investors were paid off for these trusts by the XXXX XXXX and XXXX XXXX 's agreement to have XXXX XXXX XXXX re-purchase loans. XXXX XXXX sold my loan to Rushmore Loan Management Services in XX/XX/XXXX, when they sold off XXXX pools of NONPERFORMING LOANS with FATAL DEFECTS to investors. My loan was in the Rushmore purchased pool. I have demonstrated, in writing on no-less than 20 separate occasions, to ALL PARTIES INVOLVED that my loan is an unsecured debt, and that they do not have THE LEGAL RIGHT TO FORECLOSE ON MY HOME. I WANT XXXX XXXX as Trustee for RMAC Trust, Series XXXX AND Rushmore Loan Management Services LLC to finally, once and for all PROVE that own my note ( with all legal endorsements ) and I want to see ALL THE ACCOUNTING IN MY MORTGAGE COLLATERAL FILE. THEY ARE FRAUDSTERS AND ARE BREAKING THE LAW AND STEALING HOMES THAT DO NOT BELONG TO THEM.
|
| 05/22/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
I XXXX XXXX XXXX XXXX XXXX widow whom lost her 35 years marriage partner with covid in XXXX, whom been financially broken since the loss of my husband my life partner whom basically handled all of our finances for 35 years and our mortgage payments asking this lender ( Rushmore Loan Management ) to stop the sale on XX/XX/XXXX, I have submitted everything to them since last week, they keep telling me I need to wait for my specialist XXXX XXXX to review the documents for the last week and she been out since last week and no one in loss mitigation is helping me and I have given them everything needed and not needed and over for a week already and I have emails confirming receipts of my documents, please help me stop the sale. XXXX XXXX widow and have no other place to live please, they harassed during the whole process by asking me for documents not even needed for the modification such as tax returns for the contributor my nephew who isn't on title, but he helps me financially, we even send that too, they are terrible mortgage company, have no structure and no compassion. please help me it urgent to stop the sale of my home I was referred to you by XXXX from XXXX they also have a case open Cas # XXXX thank you and XXXX bless, my call back is XXXX. please save my home, This is the only one home left in my name since my husband XXXX now Rushmore has a sale date on my home this upcoming XX/XX/XXXX, Rushmore is conducting unethical lending practice in the state of California and this type of misconduct will lead to unnecessary legal actions that will only cost unnecessary costs to both parties. Rushmore needs to abide by the law and ethics of this practice if they want to continue service loans in the state of California period. I contacted XXXX today and they advised me there is many outstanding consumer complaints against Rushmore Loan management for the same type of concerns and lawsuits brought against Rushmore as well. I hope that I wont need to bring a lawsuit to save my home. Please am elderly and a widow and XXXX too so please revise the decision and offer me an affordable workout plan.
|
| 03/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
Older American |
|
On or about XX/XX/XXXX I responded to an e-mail from Rushmore Mortgage saying " I may be eligible for re-financing '' on the mortgage they currently provide to me at my primary address. On or about XX/XX/XXXX I got a call from XXXX XXXX a Rushmore rep. Between then and XXXX or so we had ongoing e-mail and conversation. On XX/XX/XXXX Mr XXXX confirmed offer of 2.5 % 30 year mortgage with {$2900.00} in closing fees to be rolled into mortgage that would close in XX/XX/XXXX. Since then I have responded to all their onerous info requests promptly ( within 24 hours ) and completely, even though 1 ) Mr XXXX had told me there wouldn't be a lot of info needed from me because they were merely re-writing an existing loan on the same property because I had such " a good track record '' with them 2 ) the info requests for duplicate and triplicate requests for info that had already been provided. On XXXX XXXX Mr XXXX confirmed that my refinancing would be for 30 years@ 2.5 %, costs rolled into loan, and I'd get a {$2000.00} credit (? ) Date TBD. XX/XX/XXXX I became alarmed when I received notice from the homeowner 's insurance company for my weekend house that Rushmore Mortgage had been added to that policy as the mortgagee. Rushmore has no mortgage on that property! Likewise, on XX/XX/XXXX I hear from the homeowner 's carrier on my primary residence telling me she had heard from Rushmore about a mortgage on my primary residence that was scheduled to close that day ( of course I told her it was news to me ) I e-mailed and spoke with Mr XXXX, yet again, about the mortgage status last week. He told me his problems and had no idea of my e-mail about the XXXX XXXX change or XXXX XXXX XXXX call. I asked for him to get back to me by Monday XX/XX/XXXX with explanation and a closing date. Because I hadn't heard back from Mr XXXX by XX/XX/XXXX, I contacted CFPB and filed a complaint. Because my bill from Rushmore refers to them, of course, and to XXXX XXXX, I said the complaint was with Rushmore. I received their response late last week telling me to contact XXXX XXXX. So, here I am again filing a complaint!
|
| 04/15/2015 |
Yes |
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- Loan modification,collection,foreclosure
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|
Web |
|
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Hello, My mortgage loan was handled by XXXX XXXX XXXX before it was assign to Rushmore servicing Company a few months ago ), we have requested XXXX XXXX XXXX to send us payoff figures in order to payoff the loan in full, we have borrowed the money from a private source, paid the entire amount to XXXX XXXX XXXX ( this was back in XXXX XX/XX/2011 ), and instead of getting a satisfaction letter, we received a few months later a letter from the bank stating that the total payment was returned since it was {$800.00} short ( legal fees ) which by the way never appeared on the payoff statement. In the meantime, the total amount was higher because of an interest and other fees added to the principle amount, we have experienced a terrible family crisis ( XXXX of my daughters deceased in my family ) and loss of income which prevented us from making the mortgage payments, the amount owed, has become higher and left us no choice but falling behind with the mortgage payments. The property is no longer livable since we did not have the funds to maintain it and as of today it is vacant.
As said before, a few months ago we have received a letter stating that the mortgage loan is no longer with XXXX XXXX XXXX and it was transferred to Rushmore servicing Company, when we called and asked for help, we have been told that they ( Rushmore ) ca n't help since all of this happened with XXXX XXXX XXXX and they will have to start a foreclosure procedure against our property.
The only payments we were able to maintain since this happened about 3 years ago were for property taxes.
It is sad to think that just because of {$800.00} we, a widow that have lost XXXX daughters in less then a year is facing foreclosure and a possibility of losing her home.
We feel that neither XXXX XXXX XXXX or Rushmore servicing simply do not want to listen to us and try resolve this big problem we are facing and possibly lose our home.
We have attached a detailed letter written by me to Rushmore servicing which is currently handling my mortgage loan and started a foreclosure procedure about a month ago.
Thank you for your help
|
| 06/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX ( 14 minutes ago ) to me I have a mortgage modification with Rushmore Management Services in Puerto Rico . This property is located in a Horizontal Property, therefore, I am unable to contract the hazard insurance because the XXXX XXXX XXXX made a hazard insurance contract until XX/XX/XXXX.
For some reason that I do not understand, Rushmore decided to add a hazard insurance policy every year on XX/XX/XXXX. They sent me an Annual Escrow Account Statement dated XX/XX/XXXX where they informed an increase on the hazard insurance effective XX/XX/XXXX ( see attached document ). They do know the current policy is effective until XX/XX/XXXX, and that the XXXX XXXX XXXX is the ONLY entity entitle to negotiate the hazard insurance because the property is covered by the Horizontal Property Law.
I had the same situation last year ( XXXX ), which resulted in the devolution of the monthly payment ( {$520.00} ) for the month of XX/XX/XXXX and a late charge of {$24.00}. Then, Rushmore had to accept the mortgage monthly payment ( {$520.00} ) and took them SEVERAL months to eliminate the late charge.
After calling Rushmore many times and spoke with many customer service representatives of the XXXX, TX, XXXX, CA, XXXX, CA, and XXXX XXXX, PR offices, I wrote 3 emails dated Wednesday, XX/XX/XXXX, Wednesday, XX/XX/XXXX, and Monday, XX/XX/XXXX to AVOID the mortgage monthly payment DEVOLUTION and INCORRECT LATE CHARGES which might result in affecting my credit score.
Since NONE of the emails have been answered, I have been pushed to appeal to you.
My actual mortgage monthly payment is {$540.00} due to an increase in the hazard insurance policy for the month of XX/XX/XXXX ( refer to attached statement ). As you may observe, in the XX/XX/XXXX monthly mortgage statement ( see attachement ) there is an INCORRECT increase in the escrow account due to the hazard insurance that is NOT effective until XX/XX/XXXX.
I have tried to solve this situation through Rushmore 's Customer Service Department and written emails with NO RESULT ; therefore, I have to appeal to you.
Thank you
|
| 06/27/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
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|
This complaint is in regards to an illegal foreclosure suit that XXXX XX/XX/XXXX XXXX has filed for the second time. The judge dismissed the first illegal foreclosure they filed on XXXX because they failed to submit the mandatory papers to prove standing. Then in XXXX they decided to file another illegal foreclosure suit against me and my wife.
However, this time, they have not only failed to provide proof of the promissory note ( that we made with XXXX XXXX in XXXX ) They have fraudulently signed a bogus assignment of mortgage, signing as power of attorney for HUD. They have ignored the judges demand to state the date that they supposedly ( after six years being lost ) found the note.
But the main reason for this complaint is to alert CFPB about the illegal use of the title of " trustee '' for what I believe, is a made up trust. In XXXX they filed as trustee for XXXX title trust! .Now they have filed as trustee for XXXX trust Series XX/XX/XXXX-CTT.
Through my attorney I have requested numerous times the PROOF that this new trust even exists. If my mortgage was originally securitized, Then how can it be re-securitized. I request that CFPB investigate as to the veracity of the trust because I sincerely believe that is a lie.They have never submitted : 1- A copy of the COMPLETE RMAC trust, Series XX/XX/XXXX-CTT INSTRUMENT, LISTING THE TRUSTOR, BENEFICIARIES/ INVESTORS AND PROPERTY and date of registration.
2- Documents showing that trustee is active, owning the debt that empowers XXXX XX/XX/XXXX to be a trustee pertaining to my loan.
3- All documents showing physical existence of the trust, including details concerning XX/XX/XXXX XX/XX/XXXX as an actual trustee or the powers it has over the trust property ( including the mortgage ) 4-Documents showing business records of XXXX XX/XX/XXXX Trust Dept. , and who maintains these records, including bank account transactions in the name of the trust that XX/XX/XXXXXX/XX/XXXX has stated has standing to foreclose on my loan.
5- Power of attorney from HUD to XXXX XX/XX/XXXX XXXX ( XXXX XXXX XXXX ) on assignment of mortgage.
|
| 07/31/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
The original complaint, XXXX, sought from Rushmore evidence the borrowers XXXX credit score was below 720 on XX/XX/2020. Rushmore replied on XX/XX/2020, and stated the following : - " On XX/XX/2020, Rushmore completed an assessment and the Credit Score obtained was XXXX. '' - " our servicing system is designed to pull credit scores each quarter from a third party company, XXXX. '' Rushmore is playing fast and loose with definition of " credit score '' in its XX/XX/2020 letter and " XXXX '' credit score in the XX/XX/2020 letter sent to the borrower by recklessly and casually interchanging the two. Interchanging " credit score and " XXXX '' credit score makes the Rushmore XX/XX/2020 letter false and misleading given the following evidence : - On XX/XX/2020 Rushmore provided to the borrower and CFPB a credit score and not the borrowers XXXX credit score as requested in the original complaint XXXX. Rushmore said it made its decision to suspend the borrower 's HELOC on the XXXX score obtained on XX/XX/2020 - XXXX nor XXXX credit reporting agencies have no record of XXXX or Rushmore inquiry into the borrowers credit profile. In fact the only evidence of an inquiry by Rushmore into the borrowers credit profile was recorded on XX/XX/2020 by XXXX
- Rushmore purportes the borrower credit score increased by 35 points between XX/XX/2020 and XX/XX/2020. In fact, the borrowers XXXX credit score on XX/XX/2020 was XXXX, the date the borrower received notice of the HELOC retroactive suspension. More importantly, the borrower XXXX credit score remained unchanged between XX/XX/2020 to XX/XX/2020, at XXXX, when Rushmore conducted its supposed second inquiry into the borrower 's credit profile.
- Last, the borrower credit profile did not change materially between XX/XX/2020 and XX/XX/2020. The borrower had no ( a ) late payments ( b ) missed payments ( c ) charge off ( d ) collections ( e ) garnishments or ( g ) or bankruptcy.
Rushmore is again asked to provide evidence from its third party vendor XXXX to support Rushmore claim that the borrowers XXXX credit score was XXXX on XX/XX/2020.
|
| 12/01/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
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Web |
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I have been writing to you for the last 2 years and have filed my complaint about Rushmore Loan Mgm. Both have been futile. No one has done anything for the consumer.
I begged them and asked them to give me a relief. In 2006 I purchased my house for XXXX. I put a downpayment of XXXX. When I went to closing I owed them according to their records which I have not accepted I had to pay them XXXX!!!!
For almost 14 years I paid all these loan sharks, yes I call them loan sharks ( XXXX, XXXX, XXXX and now Rushmore ) nearly XXXX and yet, I owe more than I did 14 years ago. ON what basis I am not sure?
I asked them to explain everything but their explanation is zilch. They also charged me XXXX in arrears! I asked them to explain this or at least forgive the arrears. They refused. I settled with my second loan on this very property for XXXX. That means after all the costs involved which included taxes, fees, real estate fees, etc. I would come out with XXXX!!!!
Rushmore and their partners or " investors '' whoever they are, rob people like me everyday. They do not care if I own or lose my house. Their motto is to protect their investors and their investors want to make 200 percent on their investment.
This has been a trend and it will not go away until institutions and orgs like yours really start doing something about it. Why should banks and loan sharks make so much out of the misery of the citizens of this country when I personally tried to keep my house, pay my mortgage and try to own a brick in my house.
Why don't you really do something. Because Rushmore and alike will continue fleecing people who have no rights and no power.
Rushmore got XXXX out of me. And I am left with the pieces never being able to buy anything. I also wanted to get out of this horrible loan, yes a horrible loan.
I will expose Rushmore in every way I can. The least they could have done would have been to forgive the so-called arrears.
On top of it after they got all this money illegally ( yes illegally ) they sent me a letter asking for more! I guess they didn't get enough.
XXXX XXXX
|
| 03/18/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
|
|
In XX/XX/XXXX I went to the XXXX XXXX branch located in XXXX XXXX, CA with my mortgage payment slip, as I always do each month to make my payment at the branch. The bank teller could not locate my loan in the system. A bank manager made a few phone calls and discovered my loan had been sold. I never received any written notice from XXXX XXXX my mortgage loan had been sold or to whom. While I was at the bank I talk to a person name XXXX, who gave me an address to mail my XXXX payment to ( that address did not exist according to the USPS ), she also told me I would receive a letter from XXXX XXXX and a new loan welcome package from the company who my loan was sold to. I never received either. I sent a letter and payment to a address I found on line requesting information about my loan. The only information I received was a one page letter dated XX/XX/XXXX from Rushmore Home Management LLC stating they didn't have any information other than the owner of my loan is XXXX XXXX XXXX XXXX XXXX and they would review the matter, and I would receive information from them within 30 days. As of XX/XX/XXXX, I have not received any information from XXXX XXXX XXXX XXXX XXXX, or Rushmore Home Management LLC and/or XXXX XXXX. I have sent several certified letters including payments to Rushmore, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX but no one has responded or returned the checks. I also sent proper Error Resolution Notice under 12 C.F.R. 1024.35 to both XXXX XXXX and Rushmore ; my written Notices of Error, Requests for Information and Complaints to the correct address, according to their web site : Rushmore Loan Management Services LLC, XXXX XXXX XXXX, XXXX, CA XXXX, Re : Error Resolution Notice under 12 C.F.R. 1024.35. I never received a response to my letter and Notices of Error, Requests for Information.
By the way, I also sent a certified letter to XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX with my mortgage payment enclosed and a copy of the letter I received from Rushmore Home Management LLC dated XX/XX/XXXX. They never responded to my letter and the checks were never returned.
|
| 06/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
Since XXXX of XXXX I made Rushmore XXXX, my loan servicer, aware that I wanted to end my forbearance from XXXX and begin making payments again. I filled out an application to start the remodification process. I was asked to send documents to verify income. I sent all documents asked for. Since XXXX of 2021 I have now filled out the application 3 times and sent new updated documents countless times. Rushmore NEVER would call me. I had to write a letter asking them to call me for updates. To date, I STILL HAVE NOT RECEIVED A CALL FROM RUSHMORE XXXX on any updates even after requesting them to call me IN WRITING. I was asked COUNTLESS times by Rushmore to send documents that I already sent them. I would call them periodically and they would tell me they still need a document before it could go to the loan officer. I would tell them I already sent it and they would look and see that I did. Due to a 30 day time limit they put on the application, they could then ask for new updated application with new documents to start the process all over again. I would comply in sending them within hours of the conversation. The last time I spoke with Rushmore, they PROMISED me that this time the documents they requested would make my packet complete so they could send it to the loan officer. They have told me this XXXX times! I always would send them the requested documents within hours of the conversation. Today I received a foreclosure notice saying I had 21 days to reply or lose my home. The tactics of asking for the same documents over and over, which causes time to lapse so they can ask for them again and again and then start a new application process has caused the foreclosure to start. The worst part is I have shown Rushmore that I can more than afford the monthly payment yet they keep stalling by asking for documents I have already sent them! I believe this to be predatory business practices! I remodified a different house loan only XXXX XXXX XXXX and the company XXXX XXXX, completed and approved me within 30 days! I even sent Rushmore the copy of my remodified loan!
|
| 04/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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|
In XX/XX/XXXX of XXXX, I filed Bankruptcy chapter XXXX to avoid a foreclosure after 19 months of payments until XX/XX/XXXX. After that my loan got transferred from XXXX XXXX to Rushmore on XX/XX/XXXX, but Rushmore started treating my account as Bank Owned instead as an account under Bankruptcy Chapter XXXX and they served my tenants a letter stating I was no longer the owner of my property. Since then i have not been able to collect any rent payments from my tenants ( see attached exhibit A ).
I got a letter from Rushmore on XX/XX/XXXX stating that the process to rescind the foreclosure has been completed and that the account is no longer in Real Estate Owned ( REO ) or eviction status. ( see attached exhibit B ) but it wasn't true Now on XX/XX/XXXX has been more than 1year and half and Rushmore still has not rescind the title back to me!! I have been continuing to make my plan payments thru bankruptcy until now.
I am requesting to help me to resolve this matter, unfortunately due to this situation i have not been collecting rent since XX/XX/XXXX. My tenants have refused to pay me since tenants told me i am not the current owner!
See attached current title with shows Trustee 's Deed Upon Sale only ( exhibit C ) Right now Rushmore offer me a loan modification with the following terms " AFTER ALL TRIAL PERIOD PAYMENTS ARE TIMELY MADE AND YOU HAVE SUBMITTED ALL THE REQUIRED DOCUMENTS ". This modification is telling me that i need to qualify and i don't think its fair. And also Rushmore wants me to start making payments on XX/XX/XXXX, and they want me to be in charge to do the eviction process which I don't know how many months it will take to vacate the property and due to COVID-19 we have to wait until XX/XX/XXXX. Without knowing if the tenants will move out by that time.
I don't think it is fair for me when the lender made all this mistake.
I am requesting to Consumer Financial Protection Bureau to stay involve in this problem until Rushmore Rescinds back the property.
Please contact me at XXXX XXXX XXXX XXXX or by email at : XXXX XXXX, XXXX XXXX
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| 06/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I'm a XXXX XXXXXXXX XXXX XXXX. I was in a 3 way call with my client and Rushmore Loan services. We called to know what the bank offered to her via email that my client can't open the security email and she don't know what is the offer and the expiration date.
I got representative from Rushmore XXXX who refused to provide his ID number saying that he don't have to do it. I requested to talk to a supervisor. He said that he will transfer to a supervisor that is available " if is available ''. He got waiting for more than 20 minutes and we decided to call again. This tie we have XXXX ID XXXX that give us his ID number without a problem. We asked when the offer emailed to my client will expire and if he knows what is the bank offering her. He never answer our questions. He said that the underrating department is reviewing her application. I remain him that her application was summited on XX/XX/2022 and my client never was notified her application status. We call several times about this issue but we never had an answer on that.
I asked the XXXX what the bank was offering my client, he just stared saying that her loan has a deferral from the areas that was at the end of the loan. My client asked when that happened and XXXX said that was recently and a letter was sent on XX/XX/XXXX. I asked if the offer is about that but XXXX never answer my question and he was talking some thinks that are irrelevant for my question. I asked if he has on his records the expiration date on the offered but he didn't answer my question, he was still talking about other situations.
XXXX would not provide a straightforward answer to the repeated question about the nature of the offer that supposedly mailed out, would not answer the repeated pointed question about whether there was deadline to accept, and repeatedly switched the conversation between a concurrent review that was supposedly happening in underwriting to see whether the terms could be made more favorable.
The reps XXXX were combative and insulting, and eventually the client requested to end the call.
Thank you
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| 11/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My lender RUSHMORE, had violated almost every right in the home owners bill of rights. I submitted a modification package they XXXX XXXX service. Transferred me to RUSHMORE, not once have I spoke to my rep, in loan mods. They said the package wasn't received in time, they have a filter on the amount of data they can receive, I sent the package in 2 sections, they say it's incomplete, throughout they have dual tracked my loan, my daughter was hit by a car I missed court but had a PhD medical excuse, I had to refile my XXXX they sold my house without checking the XXXX filing after I told them I filed, i owe XXXX XXXX they say I owe XXXX because of their fees.
I'm a 30 day period the changed my payment 5 times, the attorney without authorization raised my interest to XXXX when the cap on my modification is 4 %.
During the pandemic they refused to grant me me a forbearance, for over a year the have applied undue influence upon my family causing such duress my daughter has been placed 3 separate times for 2 week periods of XXXX in the last 3 months, she still suffers daily from psychotic episodes. For a year they have tried anything to make our home unaffordable. All my escrows are caught up I'm behind {$8000.00} in XXXX. But they are penalizing me {$23000.00}. For year they have objected to my XXXX while I paid {$700.00} extra to catch up. They use multiple servicers to act in a predatory manner behind the veil if their Servicers XXXX XXXX pulled my mortgage out of the XXXX XXXX pool and privatized it to allow them to skirt forbearance and actively forclose my equity all while I'm waiting delays in Soc Sec XXXX review. They act in a usury fashion all the while their henchmen over at RUSHMORE sit on their UNPAID TARP ASSETS IN THE TUNE OF XXXX XXXX dollars of unpaid loans to he AMERICAN TAX PAYER. They should be shut down for there predatory actions and be forced to pay restitution to all the homeowners they have illegally foreclosed. Thank you for your time and consideration in this matter, anticipating your response, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 05/01/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Older American |
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In the Fall of XXXX, I tried to apply for a HARP refinance loan only to find that XXXX XXXX, who serviced the loan, had " bank errors '' which forbid me to do so. Hence, it was recommended that I apply for a " Loan Modification '' instead. The problem was ( as countless other consumers have experienced leading to even foreclosure ) this process was flawed with delays, incompetence, and never ending re-applications. ( In fact the Attorney General for the XXXXtate of Minnesota intervened at one point to shut down an illegal foreclosure date! ).
Though it took a long time, it appeared that XXXX XXXX had " finally '' reached an approval of {$1100.00} per month modification ( my current 5.25 % loan at {$1700.00} payment ), but inexplicably before signing off the 3 month trial period, transferred the loan to Rushmore Loan Mgmt Services of XXXX, CA. in XXXX, XXXX.
That is when the insanity became even worse!
After several applications, the underwriter presented questions never asked in my 35 years of finances which even my legal counsel could not rectify ( counsel had worked countless times with Rushmore who has had nothing but documented nightmarish experiences for consumers nationwide ). Even though I have presented financial numbers that more than qualify me for not only a Loan Modification, but even a Refinanced Loan, they refuse to " approve '' or even consider any option but either : ( 1 ) Foreclosure or ( 2 ) Repayment of back payments which would be insurmountable at approx. {$100000.00}. I have endured countless monetary losses from legal fees, not to mention did not receive a lower a 2.75 % APR as well as my credit report was ruined! My health has also taken a toll from the endless stress and hours over the years battling for what " never should have been ''.
Now I am faced with a Lawsuit '' and even possible " Foreclosure '' when I have the Employment ... Qualifying financials ... to make payments and qualify for a modification.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX Loan # XXXX XXXX Rushmore Loan Mgmt. Services XXXX
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| 03/21/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
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As owners of the property, XXXX XXXX and I approached Rushmore Loan Management Services several times to make an offer to settle the mortgage. XXXX . XXXX is the sole mortgage holder, but she has signed several powers of attorney giving me authority to speak on her behalf with XXXX, and she has told XXXX staff person XXXX XXXX to speak with me. I have spoken regularly with him, but he has been unwilling to help.
First, he said repeatedly that he would set up an appraisal that I would pay for ( which I agreed to ), but he has never followed through. Second, XXXX . XXXX has qualified for a modification, but once he started dealing with me, he cancelled that modification. Third, every time a court date approaches, he calls to say he wants to resolve the matter and makes promises that he doesn't keep. Then at court the lawyer for XXXX tells the court that they are working with us, which isn't true. Fourth, I have arranged for potential buyers, including XXXX XXXX, a real estate investor. Although XXXX XXXX began a conversation with XXXX XXXX, when he learned that I was involved with obtaining this buyer, XXXX XXXX changed his mind, even after XXXX XXXX submitted all kinds of information, everything XXXX XXXX asked for. Fifth, I made an offer myself and, at XXXX XXXX 's request, submitted proof of funds. Yet he has refused to negotiate and make counter offers. Sixth, he continues to go back to XXXX . XXXX even though she has told him repeatedly that she does not want to keep the unit and wants him to speak with me.
We have wanted again and again to settle this matter. The judge keeps telling both sides that he wants us to resolve this before the next court date in XXXX. I am obtaining the transcript from the last two hearings where the judge has told us to get this settled and will forward it to the CFPB when I have it. Yet, XXXX has brushed me off again and again. XXXX XXXX has tried to side step working with me. He has made this personal and has been very disrespectful to me over the phone. His attitude has been very unprofessional.
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| 11/20/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX there was a hail storm in XXXX, CO that damaged my home extensively. Due to the dollar amount of the damages, my home owners insurance company, XXXX had to make the checks out to myself, my wife and the lender for the home. The lender 's process to release the payments is to release 50 %, then send an inspector, then release 25 % more then inspect it again and then release the final 25 % when the restoration/repairs are complete.
The lender for my home, Rushmore Loan Management has had the majority of the funds for over 3 months, totaling {$16000.00}. I have filled out all the necessary paperwork, beginning four months ago. I have called a total of 14 times to find out when they would be releasing the funds so I can proceed with repairing my homes. They have given me every different excuse in the book on why the funds have not been sent.
Here 's a small breakdown on my communication with them ( most recent ). On XX/XX/XXXX they told me that the hand writing was too light. This is not accurate as the email came from me and it 's crystal clear. Last week on XX/XX/XXXX, a " manager '' there named XXXX XXXX told me that she was going to call me that day with a tracking number for the check being sent.
On Friday, XX/XX/XXXX I called and the call center person told me that they were waiting for the payee information to be approved.
Today, XX/XX/XXXX I was given two different reasons for it not shipping. The original person who answered the phone said they were doing a system update today. Then a manager named XXXX ( employee # XXXX ) gave me a different excuse about the IRS approving the payee on the check to be issued. She told me it would be shipped on XX/XX/XXXX or XX/XX/XXXX at the latest and said that she would call me when it does ship. They have told me this before and have never, ever called me.
For context, I have three windows that are boarded up in my home from the storm and nothing has been repaired except for the roof, downspouts and gutters because I need the funds from Rushmore to complete the repairs.
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| 03/15/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
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My mortgage is with Rushmore Loan Management Services. I fell behind during Covid due to loss of hours for several months at work. I work in XXXX XXXX and was considered an essential worker, so I did not get to be furloughed with pay. I have been working with Rushmore, and was given a Forbearance for a few months to help me save money. At the end of the Forbearance in XXXX, I was behind 10 payments. After 3 months of processing and correcting an error on their end, I was approved for a NY Term Agreement, where they put 6 payment on the back end of my mortgage. This left me with 4 payments I owe, totaling {$5400.00}. I have been trying to work on a loan modification for that amount, but the options they gave me are unaffordable. They wanted me to pay {$1100.00} for 3 months, and then they will raise my rate from 3.75 % to 7.875 %. I can not afford {$1100.00} per month. My point of contact person advised me to reject that offer, and say I want to spread the balance out over 12 mos..or put some money down, and spread the remainder out over 12 mos. I have agonized and done the math every which way I can think of, and I can not afford to have my payment go up over 12 months.
I have worked hard to save money to bring my mortgage current. I have {$5000.00} saved up but this will leave me with no reserve, I am so nervous that if I have no reserve and something breaks in my house, or I become ill and can't work a day or two..then I have no savings to draw from. I spoke with XXXX XXXX for advice, and XXXX strongly advised I do keep a reserve, and pay what I can, and ask to put the remaining on the back end of my mortgage.
I would like to put {$3000.00} down, and put the remaining {$2400.00} on the back end of my mortgage. I am aware they already put 6 payments on the back end, but this would enable me to bring my loan current and pay my monthly mortgage going forward. I am trying so hard to make this work. I am going to XXXX XXXX in XXXX so I can make more money and better my finances. I am trying.
I appreciate your help. Thank you
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| 01/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Rushmore Loan Management Services are currently servicing my mortgage loan on behalf of the loan investors and XXXX XXXX is the loss mitigation officer in charge of my loan. The week prior to XXXX I contacted Rushore to speak to them about a payment agreement to allow me to catch up with my mortgage payments ; I did not wish to modify my loan because my current mortgage loan rate is very very good! In XXXX I mailed to Rushmore a mortgage payment less than the monthly loan payment because there was an unapplied balance. The check was returned to me ; I attempted to mail another check with the full monthly payment and that check was also returned to me. When I called to start a payment plan with XXXX, we reviewed my current wages and monthly obligations, initially there was not enough income available to process a payment plan ; at that time I said that I may have some additional income if I were to withdraw from my XXXX plan with a penalty. The plan was discussed with XXXX who told me she would present it to the investors and get back to me by the tuesday before XXXX ; I never received a call from her or any paperwork regarding the loan payment plan ; at that time I mailed a loan payment worth 2 monthly payments in order to begin catching up ; I have mailed another payment equal to a monthly payment plus more ; both checks were cashed ; XXXX said that I should modify ; I refused to modify because my new loan rate w/b XXXX higher than my current mtg rate making mtg payments impossible for me to pay!
on XX/XX/XXXX I received a letter from XXXX ( see attached ) saying that I defaulted on my payment plan! Which payment plan? I never received any paperwork from her ragarding said " payment plan '' ; one of the bullet points says that the payment that was due XX/XX/XXXX was not met! I did not even call Rushmore to talk about a payment plan until XX/XX/XXXX! Actually there are a number of points on the letter that dont even apply to my situation as none of the bullets point are really marked! none of the points really apply to me!
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| 02/18/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My mortgage is serviced by Rushmore Loan Management. Rushmore has been servicing my loan since XX/XX/XXXX and overcharges me every month. As of XX/XX/XXXX, the fraudulent charges from Rushmore reached {$43000.00}. My past due interest is {$94000.00}, unpaid escrow is {$21000.00}, and no past due principal. Totaling {$110000.00}. These figures are from a Rushmore payoff Statement and are consistent with the terms of my loan. However, Rushmore 's XX/XX/XXXX monthly statement states that as of XX/XX/XXXX, my total overdue is {$150000.00}.
The overcharges stem from Rushmore multiple mistakes and fraudulent acts : 1 ) Overstating the past due amounts incurred before my loan was sold and Rushmore became the servicer. These overstatements are from XX/XX/XXXX - XX/XX/XXXX and total {$12000.00}. 2 ) Rushmore is collecting for a past escrow deficiency of {$21000.00}. This is legitimate. Rushmore bills me at least {$2300.00} each month to recoup this amount. When I do not pay it, Rushmore adds {$2300.00} to my past due amount. That is NOT correct. The past due amount of {$21000.00} remains unchanged and does not grow each month. This overcharge for 9 months is {$21000.00}. 3 ) I do not know what the remainder of the overcharge is.
I have raised these issue with Rushmore multiple times and they do not address it and don't appear to have the competence to figure out that their systems are making mistakes. Rushmore 's gross $ XXXX overstatement of my past due charges has harmed my ability to be fairly considered for a loan modification. And Rushmore is reporting the overstated charges to the credit agencies, hurting my credit more than it deserves.
I hired Consumer Arbitration Services to Help me after no success on my own, but XXXX XXXX XXXX is a fraudulent firm.
A foreclosure sale has been scheduled for XX/XX/XXXX. Even if CFPB can't stop the sale, I need help so that Rushmore stops overcharging me and not giving me a fair shot at a loan modification.
Also, XXXX XXXX XXXX XXXX XXXX needs to be disbarred and put out of business.
|
| 11/01/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
Older American |
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Filing complaint because Rushmore refuses to answer questions, I asked with clarity in way that is understandable.
Questions Mortgage Insurance and mortgage issue In response to letter received XX/XX/2022 from Rushmore also there are errors and mistakes on Rushmore representative respond. Questions mainly not explained and answered concerning insurance issue, for example the statement : 1. Loan to value ratio of the loan is above 80 %. I have asked for the statement to be answered and explain several times.
Again, explain why there is a negative balance concerning escrow and why Rushmore is trying to take control of the insurance?
Above all, Rushmore is not our mortgage company. We are quite concern, is it true Rushmore is not the new owner of the mortgage? If not, remove Rushmores name from the Insurance policy.
Next, no reason why Rushmore should have sent payment for our Insurance Policy to Travels XX/XX/2022 insurance was not due until, XX/XX/2022. We already had made arrangement and informed Travels with plan to pay the insurance, never gave anyone permission to pay the insurance, none our payments should go toward XXXX. Travels or any insurance Company Rushmores Insurance companies need be informed we are paying the policy. A deduction of {$100.00} is taking from the loan note each month for insurance fees.
On XXXX XXXX. Your agent wrote and noted the loan to value is calculated by dividing the original loan balance by the value of the property value = 91 %. ( Please explain this statement ).
Mistakenly on Rushmore employee or employees be halves I never state the Loan was paid I quoted FHA Loan was paid off, not XXXX XXXX XXXX XXXX, Rushmore, or XXXX XXXX. We havent been convinced who own the loan Debt Collector, or two mortgage companies. However, we are in the process of revealing true owner of the loan.
Rushmore Debt Collector and server, therefore what interest do a Debt collector have in our insurance?
FDCPA have laws Debt Collector must follow. I am sure laws also apply to servers.
XXXX XXXX XXXX
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| 07/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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|
Web |
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My wife and I experienced financial difficulties in XXXX. We requested a loan modification from the servicer of our mortgage. Initially we were told that we had not submitted sufficient financial information. This was rectified within two days. Then the servicer lost the new information. Within a few weeks we were informed that the information had been found and that our request was being processed. Five months elapsed with regular contacts from us but no response to our modification request from the servicer. Then the loan was sold to another holder and the servicer was changed. The new servicer told us we would likely qualify for a modification, but that we would have to submit all new financial information, which we did. In response, we received a short sale offer. We protested that we were requesting a loan modification. Many months passed and then the servicer requested all new financial information, which we provided. Again many months passed and again we were offered a short sale. When we refused the short sale, the lender began a judicial foreclosure. After a few years in court, the judicial foreclosure was settled with a loan modification. XXXX parties waived any claims arising out of events prior to the settlement except as to the obligations identified in the Settlement Agreement. This took place in XX/XX/XXXX Since then we have made all required payments on time. Nonetheless XX/XX/XXXX, our mortgage statements began including the statement that we owed {$3300.00} as " recoverable advances ''. Neither this sum, nor the concept of " recoverable advances '' was mentioned in the Settlement Agreement. We have written to the servicer asking for an explanation of this charge. Our most recent request was on XXXX XXXX, XXXX. On XXXX XXXX, the servicer sent a reply stating that it would require additional time to review our inquiry but that a response would be forthcoming within 15 days. None has been received, and our most recent statement, dated XXXX/XXXX/XXXX still shows " recoverable advances '' of {$3300.00}.
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| 10/11/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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|
Web |
Older American, Servicemember |
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We have been dealing with Rushmore Loan Management Services Manager XXXX XXXX ( direct phone XXXX ). On XX/XX/XXXX he informed me that a letter was sent out in XXXX of XXXX with an offer of XXXX to settle a second mortgage lien that was discharged in a bankruptcy. He asked me to get proof of funds and allow him to settle for up to XXXX. I sent him proof of funds from our bank that day. After that he never got back to me and I was never allowed to talk to him. Then we received a letter dated XX/XX/XXXX stating that Rushmore was transferring our loan to XXXX XXXX XXXX as of XXXX XXXX, XXXX. We then contacted XXXX XXXX who was our new Manager at XXXX and explained that we were in the process of setting with Rushmore when they suddenly transferred the account. She informed me that if we could get a copy of the offer letter from XX/XX/XXXX that they would accept and settle for that amount, I asked her if she didn't have that in her history and she said they did not get any information from Rushmore and we needed to request that directly with Rushmore. I did this repeatedly and was told each time that it would go out in the mail that day. It never came on any of the requests. I then went back to XXXX and was informed I had a new Manager XXXX XXXX. I explained all to her and she again said they would accept the XX/XX/XXXX offer if we could get a copy. She even did a conference call with Rushmore and me stating who she was and what we needed. Again no copy went out. On XX/XX/XXXX we called and faxed a request for all correspondence and a script of all calls. They acknowledged this request and said we would receive information within 30 business days. We called them today and they said they had transferred all information to XXXX and we would have to get it from them. XXXX if still claiming not to have gotten this information. We demand to receive this. Rushmore dragged their feet on this. If they were never going to send it they could have told us this right away. I think there is a conspiracy between Rushmore and XXXX.
|
| 09/09/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
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Last year, my loan was transferred to Rushmore Loan Management for servicing. At that time, my loan was already seriously past due. On XX/XX/2019, I submitted my first request for modification. After consideration, my request was denied based on their determination that my > {$5000.00} monthly income was insufficient to support a mortgage and other existing debt. My failure to provide a deposit towards the arrears was also sighted as a reason for denial.
Now, I am on a pre-foreclosure list and everyone in my family is receiving unsolicited mail, text messages, and phone calls about filing bankruptcy and/or fire sales. Besides the fact that this is my home of 15 years and I want to live the rest of my days here, moving is really not a reasonable option for me because I am a single parent, struggling to support XXXX XXXX child in XXXX and XXXX child with XXXX and XXXX XXXX who is living with me and attending XXXX XXXX in the only town he has ever known. In addition, I myself am XXXX and XXXX XXXX and just underwent major XXXX which left me unable to XXXX independently.
I did explore the possibility of refinancing with another lender but I have been advised that it is not an option for me due to my current arrears and the existence of a second mortgage lien against the property.
With filing bankruptcy being my only other option to keep my home, I did re-apply for a modification again on XX/XX/2019. It is my understanding that mortgage companies are supposed to work with families to develop a modification plan to help them keep their homes and that hasn't been my experience thus far. Since I do not know what the outcome will be of my most recent application and I am so close to foreclosure, I feel the need to better understand the company 's modification process and why, if it so happens that I am denied again, I would not be given the opportunity to at least make trial payments prior to sending me into foreclosure, especially where I do, in fact, have a stable income sufficient to pay a reasonable mortgage.
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| 12/06/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I have question ( s ) about my current mortgage and fee ( s ) that appear on my statement ( s ) that were not present in the original mortgage. First is concerning a HOA/Inspection fee. My address has never been included in an HOA and I am unaware of what these fees ( {$15.00} + {$1.00} ) actually represent.
In addition, the mortgage was permanently modified by XXXX in XXXX, as such ... any changes in my mortgage should have been made available to me at the time the mortgage changed hands from XXXX XXXX XXXX to Rushmore servicing. The final statement from the previous servicer/lender ( XXXX XXXX XXXX ) dated XX/XX/XXXX reflects the actual regular mortgage amount of {$480.00} cents. The initial welcome letter from XXXX shows that regular mortgage payment pegged at {$540.00} dated XX/XX/XXXX ... a {$65.00} monthly overcharge that Rushmore Loan Management had a duty to know was happening after I mentioned it to XXXX XXXX, Asset Resolution Specialist who was assigned to my mortgage at that time. I notified XXXX XXXX during the initial transfer from XXXX XXXX XXXX to Rushmore Loan Management Services.
XXXX XXXX Asset Resolution Specialist, NMLS : XXXX Rushmore Loan Management Services LLC XXXX direct | XXXX fax | XXXX toll-free | fax machine Finally, there is the matter of the escrow account balance. I have included ( attached documents ) of the Escrow Statements that reflect overpayments in XXXX and XXXX of over {$680.00} and {$630.00} respectively. As this is an open Chapter XXXX I did not know if those amounts could be either refunded to me ( or to the trustee ) as the statement suggests, or could be deducted from the principal balance of the overall mortgage. As of today, XX/XX/XXXX ... those funds have not been made available. My question : Since my taxes and escrow were under {$2000.00} combined, Under the Real Estate Settlement Procedures Act Rushmore is allowed a " cushion '' of withholding about {$330.00} ... They ( Rushmore LMS have withheld double tthe 1/16th cushion allowed by RESPA.
Thank you.
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| 09/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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In XXXX I received notice that I could request a forbearance/deferment on my mortgage with Rushmore Loan Management. I requested it because I lost my job. It was approved for 3 months. In XXXX, anticipating that I would need another 3 month extension of this I went on the website and requested it again ( ( as it stated to do so on their website ) After no response and several attempts on their website submitting the requests, I started receiving multiple calls a day from them, with NOONE on the line. Would answer and no one would say anything!!!
In XXXX I received a call and someone actually spoke and I explained the situation. on XX/XX/2020 I emailed and provided their LOSS MITIGATION department a hardship letter and provided proof of unemployment. I continued to receive calls and on XX/XX/2020 I asked the person WHY they keep calling and are not replying to my hardship request for extension or forbearance/deferral???? She apologized and said someone would get back to me-that she saw I had submitted the requests ....
On XX/XX/2020 I get bombarded again and again I ask them why they are calling when I have submitted everything to them??? they state I didn't SIGN my letter ...???!!!
So I email it AGAIN with a signature this time. I have called and emailed everyday since XX/XX/2020 looking for an answer and they initially act like they haven't received anything and then apologize after they see I have. Today I demanded a call from a supervisor to get and ANSWER as we are now going on 90 days since my forbearance/deferment ended!!!! I also went on their website and logged in and see that all my loan info is not accessible, nor am I able to even make a payment on there!!!
I stated to them that I do not want my loan pushed into foreclosure as I intend to keep my home and have a temporary hardship. They are playing games letting the time go by so that they can try and push me into foreclosure!!!! ILLEGAL ACTIVITY BY THESE INVESTORS AND SERVICERS AND IM SURE THEY ARE DOING THIS TO OTHER PEOPLE. PLEASE HELP!!!!!
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| 02/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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Re : Rushmore Loan Management Services - Loan # XXXX My mortgage originated back in XX/XX/XXXX. It was originated without escrows for property taxes and insurance. I have always paid them on my own. My mortgage was sold in late XX/XX/XXXX. Subsequently, the mortgage servicing was also transferred to a new company, Rushmore Loan Management Services ( RLMS ). I was able to clear up a crisis early last year in talking with a senior management contact, XXXX XXXX. XXXX XXXX helped resolve several issues that were not conveyed in the transfer to RLMS. One remaining issue NOT resolved is an ongoing escrow issue I can not seem to resolve, and XXXX XXXX is apparently no longer available. XXXX XXXX advised lastXX/XX/XXXX, that I request in writing from RLMS, that they stop requesting and paying my tax bill and cancel my escrow account when they perform their 'initial ' escrow analysis. So, in XX/XX/XXXX after receiving their analysis, I did indeed write online to them via the website asking them to please close the escrow account. They did respond over a month later ( XX/XX/XXXX ) stating they can not due so as the escrow has a negative balance. Not happy with their response, I contacted them last week (XX/XX/XXXX ) and spoke with a customer service rep who informed me that she would send my request to the Escalation Dept. I have yet to hear back from them. My concerns as described to her are as follows : 1. My new monthly payment increased by {$430.00} ( and only includes property taxes, not insurance which I still pay quarterly. ) 2. My property taxes total {$1700.00} annually, this does NOT justify their substantial increase. 3. I CAN NOT afford a {$430.00} increase each month while still having to pay insurance quarterly. 4. I am concerned about potential future foreclosure proceedings without this being corrected to reduce my payment back to the {$820.00} I was paying previously. 5. I am also concerned about my credit record being negatively affected. 6. I am anxious and losing sleep over this issue! Please help!
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| 10/22/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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I AM A SENIOR CITIZEN OF WHOM HAS SUFFERRED XXXX XXXX ILLNESS I PURCHASED MY HOME YEARS AGO FIRST LENDER XXXX XXXX THEN TRANSFERRED TO XXXX XXXX OF WHOM TRANSFERRED TO XXXX XXXX XXXX THEN THE LOAN WAS TRANSFERRED TO RUSHMORE MORTGAGE. MY PRIOR SERVICES HAD MY NOTE AT ALMOST 1300 a month upon transfer from XXXX XXXX it transferred to XXXX XXXX OF WHOM RAISED IT TO {$1600.00} .THEN IT WAS TRANSFERRED TO RUSHMORE OF WHOM IS CHARGING ME XXXXA MONTH. I HAVE NEVER REFINANCED NOR BORROWED ANY MONEY.XXXX XXXX TRIED TO GET ME A LOAN MODIFICATION OF WHICH I DECLINED AND ANY. DOUCUMENTS TO THAT EFFECT IS FRAUD.MY INSURANCE HAS ALL WAYS BEEN WITH XXXX WHICH I PAID AND NOW WITH XXXX.THEY STATED THE RISE IN PAYMENT WAS DUE TO INSURANCE. MY LOAN PAYMENTS WERE SUPPOSSED TO BE INCLUDED IN MY ORIGINAL PAYMENTS OBVIOUS IT WAS NOT.THUS THE INCREASE IN MY LOAN PAYMENTS.I AM A XXXX YEAR OLD SENIOR XXXX AND MY HEALTH IS DECLINIG DUE TO THIS FRADULENT ACTIVITY.MYHOME HOME VALUE HAS ..
H MY LOAN HAS TRANSFERRED THREE TIMES.I HAVE ALWAYS PAID MY OWN INSURANCE.MY LENDERS ALSO STATED THEY INCLUDED MY INSURANCE WITH MY PAYMENTS. XXXX XXXX AND XXXX. IWAS PAYING MY OWN INSURANCE WITH XXXX XXXX AND NOW XXXX.I SENT XXXX {$7000.00} AND THEN {$5500.00} OF WHICH THEY INDICATED I OWED.NOW RUSMORE UPON TRANFER TO THEM HAVE RAISED MY MORTGAGE PAYMENT TO {$2000.00} A MONTH.I AM A XXXX SENIOR OF WHOM MY ORGINAL XXXX XXXX MY ORIGINAL MORTGAGOR CAN ATTEST WAS TIMELY IN MY PAYMENTS.MY ORIGINAL LOAN WAS {$160000.00}. I NEVER REFINANCED NOR BORROWED AGAINST MY HOME.WHEN TRANSFERRED TO RUSHMORE MORTAGE THEY HAVE ASSESSED ME OWING ALMOST {$300000.00}. THAT IS FRAUDELENT MY NEW PAYMENT IS NOW {$2000.00} A MONTH.PLEASE INVESTIGATE. I AM XXXX YEARS OLD AND VERY ILL. I NEED HELP XXXX THEN TRANSFERRED TO NATION STAR OF WHOM TRANSFERRED MY LOAN TO RUSHMORE MORTGAGE OF WHOM IS CHARGING ME ALMOST 2100 A MONTH. I HAVE NEVER NOT PAID MY OWN INSURANCE AS I HAD XXXX FOR YEARS AND NOW XXXX. PREVIOUS MY TAKES AND INSURANCE WAS COVERED BY MY PAYMENT.+
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| 03/05/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
Older American |
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We were on a covid 19 forbearance for 6 months in XXXX we sent in a request for an 180 day extension the request was denied we requested again and again denied. No notice was given that our house was going to a sheriff sale until I received a letter stating that my house was sold on XX/XX/2022 that letter came on XX/XX/2022 so was this some sort of secret sale because I have done alot of research and can not find anything about this now or in the past so if Rushmore Loan did this they did it in secret or this other person is lying who sent me the letter. We should have received the 180 day extension but were denied. Also a couple of questions that Rushmore has not answered. My brother XXXX who was responsible for the loan past away a few years ago I notified them they bought the mortgage from XXXX without knowing this I told them my wife and I are current residents and homeowners for this property my brother had mortgage insurance in case something happened to him this was part of the original mortgage but after he died they said XXXX there was none I still have the original mortgage showing it was apart of it so my brother always thought it was there so something happened to it without anyone 's knowledge or approval also at the time my brother signed the mortgage there turned out that there was no equity so my brother was going to walk out however XXXX gave him a {$10000.00} side loan which he later told me he felt pressure to do and sign to get the mortgage I do not know what to call that type of lending practice. I am almost XXXX XXXX XXXX this was my family home so I know that it is my death sentence if I have to go homeless I have asked for our 180 day extension and maybe as things get better we can work something out. Thank you for your time and being there to help. I think this was a FHA loan but I know it was a government backed loan also I have the documents showing the side loan even the folder it came in labeled side loan. THIS IS A COPY OF THE ORIGINAL COMPLAINT XXXX, FILED XX/XX/2022.
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| 10/03/2022 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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RUSHMORE LOAN MANAGEMENT illegally dispersed over XXXX in loans under my identity theft, property loan schemes with XXXX XXXX.
XXXX XXXX has been cited and fined as follows : XX/XX/2022 WASHINGTON, XXXX Today, the Consumer Financial Protection Bureau ( CFPB ) took action against XXXXXXXX XXXX for illegally accessing its customers credit reports and opening checking and savings accounts, credit cards, and lines of credit without customers permission. XXXXXXXX XXXX pressured and incentivized its employees to sell multiple products and services to its customers, including imposing sales goals as part of their employees job requirements. In response, XXXXXXXX XXXX employees unlawfully accessed customers credit reports and sensitive personal data to apply for and open unauthorized accounts. XXXX XXXX must make harmed customers whole and pay a {$37.00} XXXX penalty.
XXXXXXXX XXXX AND RUSHMORE are obstructing investigations and they are suppressing ongoing federal violations in identity theft schemes and also Fairwinds banks aiding in the money laundering fraud by granting same perpetrators new loans for a new property, using my identity and my property as collateral.
Both perpetrators were deemed officially bankrupt and were ordered to have monitors and management that XXXXXXXX XXXX, RUSHMORE LOAN MANAGEMENT AND XXXX XXXX DID BYPASS UNLAWFULLY.
I am adding verified proof of obstructions of investigations and the suppressions of fraudulent malpractices, by RUSHMORE LOAN MANAGEMENT that issued {$100000.00} in new money over fraudulent loans supplied to predators.
I have called and the predatory RUSHMORE LOAN MANAGEMENT personnel will not give me any information, hang up and are in direct interferences of investigations implicating XXXXXXXX XXXX and RUSHMORE LOAN MANAGEMENT in ploy schemes to seize property from victims of verified financial fraud.
RUSHMORE LOAN MANAGEMENT got desperate and facilitated more fraud by hiring attorneys of XXXX XXXX XXXXXXXX, who also threatened to seize property.
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| 06/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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Based on new information, this complaint is a renewal of complaints XXXX and XXXX and the documents that are submitted with them. As we have now discovered that we are victims of the harm we alleged in those complaints against XXXX XXXX and their assignee, our new mortgage servicer Rushmore Loan Management. The loan modification that Rushmore Loan Management Services forced us to accept in XXXX of XXXX, with a XXXX month trial period, which added an additional {>= $1,000,000} dollars in principal and XXXX years beyond the normal XXXXyear mortgage, has put us at a disadvantage as we have been notified while seeking to refinance that our previous loan should have never been written as such and is harmful to securing new terms. Specifically, the mortgage rates we could have secured when the modification was being written were almost XXXX points lower and would have resulted in an annual savings of XXXX of dollars ( at least XXXX monthly ). And because of the increased principal, any monies we now seek to access in the form of equity will increase our mortgage payment further beyond that which Rushmore crippled us with. This was revealed in a mortgage refinance we applied for around XX/XX/XXXX, and can show where our mortgage increases to {$1500.00}, or an additional {$340.00} a month because of our desire to access the same amount of equity, even at a lower interest rate. We believe that Rushmore Loan Management Services rushed us into a bad loan when they knew we were vulnerable, and strategically installed a number of predatory measures in our loan that were designed to keep us beholden to them during a time when they knew or could have predicted the financial crisis that existed and how mortgage rates would respond under these conditions. This places us in a dilemma where if we access the equity we have earned in our property, we end up crippling ourselves in the form of a higher mortgage and principal balance. This is unjust and detrimental to us and will have long-term consequences.
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| 04/18/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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We were near the end of an insurance claim with our previous mortgage company when our mortgage was transferred to Rushmore. When we finally had the additional documents and estimates ready, we sent the checks and all supporting documentation to Rushmore. After weeks of emailing and calling trying to reach the loss drafts department, we got the init ial 1/3 pay ments processed to the contractors that we needed to do the work. The work was completed ov er 2 we eks ago, and we have requested the inspections and payments processed for the completed work. After sending emails and calling leav ing Voice Mai l for our Loss Drafts contact, i have received no response from Rushmore. Furthermore, the contractors have been calling me for updates on payments. I was provided a " direct number '' to our loss drafts contact by customer service which we used several times to leave voicemail for our contact. That number has stopped working, and now they are telling us that " there is no direct number '' and they " ca n't transfer my call '' - which is contrary to information in complaints on this website. In addition to the lack of communication from Rushmore 's loss draft department, they also neglected to inform us that our payment had increased to " cover escrow shortage '' and if we had not been calling them almost daily, i would have made my first late mortgage payment in nearly 20 years of homeownership. This claim has already been going on since XXXX of 2016 due t o delay in the insurance settlement process, and these delays have already caused several thousand dollars of additional damage to the property. Rushmore 's claim that " their policy and procedure is for my protection '' is completely false as their delay is preventing repair of the property, risking additional damage, and, if our contractors are not paid from the insurance settlement that Rushmore is in control of soon, financial hardship for my family if we are forced to settle these accounts with our own funds.
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| 12/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have been having this Problem for XXXX XXXXXXXX years.My mother passed away XXXX XXXXXXXX and she was the primary loan holder.At that time I was a co borrower and had my own residence.In XXXX of XXXX my deceased mother 's probate closed and the house was to be paid off.Heres were a serious problem occurred, I was not allowed to close probate because of misleading information on my state record of being a felon.I know you can't be a executioner of a estate if you are convicted felon or have drug problem issues.I didn't have either but wasn't allowed to pay off my mother 's home because of wrongful and criminal record keeping by XXXX State courts.I was not just a coborrower I am also a heir and also was excluded from closing probate while having a loan to pay off with my deceased mother.My mother 's name wasn't no longer on the mortgage statement so I was on the hook for paying a mortgage off and being robbed of my inheritance by false information by the state XXXX XXXXThe Mortgage company XXXX XXXX sold the loan over to Rush More without knowing that at this point the whole mortgage was fraudulent.Rushmore gained the loan and kept billing me without my mother 's name being on the mortgage statement.The illegal probate was the reason my mother 's name was supposed to been kept on the mortgage statement so this wouldn't have happened.Back in XXXX of XXXX after bringing this illegal probate up my mother 's name was placed back on the mortgage state by Rushmore loan management.This should have let Rushmore loan management know that had bought a fraudulent loan with a deceased person name on a mortgage statement.Rushmore loan management threatened me with foreclosure even after finding out the loan was fraudulent.On XX/XX/XXXX of XXXX my home was foreclosed on and I feel like I got robbed because my mother died in this home and this is what she worked so hard for.I know I have been a victim of mortgage fraud and wrongful foreclosure.I need answers and the return of my estate property!!!
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| 02/08/2023 |
Yes |
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- Trouble during payment process
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Web |
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I attached letter.My problems begun when I called for a little over a year trying to find my loan payment amount.I asked numerous times if i could just apply a payment.I was told I could not because they do not have anywhere to attach it to.I get several more months behind.I was told they needed all of my payments at once.I was not able to do so.Then the pandimic accurs.I get even more behind. I am now out of work and could not catch up.I contacted the homeowners relie program.I followed all instructions.I recieved a call after many months send paperwork in and geting the intial application steps on the portal completed. I was approved my paper work was being sent over to my mortgage company.The last thing that was explained to me was do not buy anything from anyone there was alot of fraud going around and people calling trying to get things.I was asked to only answer to the repeersenriv that a repersentive would contact me.I would check the portal ever week.No call No update.I went on to the portal to check my status for a few months. I was hearing friends and others were already getting help.I loged on and I could not believe my eyes.It read eneligible.No letter no call. I called numerous times I files three appeals.All unanswerered.I call leave voice mail after voice amail.No call.
I am so frustrated with my morgage compnnay and alask ahousing.PLease help.I have reached out to them and nothing.I emailed I calklled I went there i left messages.I even spent numerous days on life surport my electric was disconnected over all of this mess so the next thing I knew my good friend happen to stop by at 3 am because they were locked out of their home .They found me in my hall way unconscious along with some friends that stayed over.I nearly lost my life.My parents willnever be the same.I still have a lot of fog.The doctors said I was very lucky.They did not see a good outcome initially.
I am asking that you please help me with this situation.Thank you so much for listning.
XXXX XXXX
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| 10/27/2022 |
Yes |
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- Trouble during payment process
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Web |
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I was in forbearance during COVID and the lender ( Rushmore ) was not cooperative as I tried to resume monthly payments. CFPB helped me get Rushmore to offer loan modification documents so that I could make regular monthly payments rather than pay the money due from forbearance all at once.
I signed the modification documents digitally and had them notarized and returned them in XXXX ( see attached ). I sent the first payment ( XX/XX/XXXX ), which Rushmore accepted. In XXXX then received paperwork indicating that I had not returned the loan modification documents, so I emailed. I did not initially hear back but eventually they stated ( see attached email ) : " We have completed our review and it appears that we received the XXXX XXXX documents, however it appears that the documents do not have a wet-ink signature and HUD will not accept these documents. Unfortunately we were not able to complete the loan modification. Your loan is also scheduled to be serviced released by XX/XX/XXXX to XXXX XXXX, XXXX. '' However, the loan modification documents say : " XXXX. Governing Law ; Severability. This XXXX XXXX shall be governed by Federal law and the law of the jurisdiction in which the Property is located. '' The property is in Virginia. Virginia law allows for digital signatures, see : https : XXXX Accordingly, I do not believe Rushmore had any grounds on which to not process my loan modification docs. The plain language of the document does not say anything about signatures. It does specify that Virginia law applies and Virginia law allows digital signatures and e-notaries.
I just want to resume my monthly payments and they are making this as difficult as possible. I have done everything they asked and they just don't seem to hold up their end of things. I believe I complied with the loan modification docs and that it's a binding agreement now that I have accepted the offer and that they can not unilaterally fail to process it. I am worried I will lose my house. Please help.
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| 03/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Got behind on mortgage payment in XX/XX/XXXX Called and had a deferment plan set up for 2 months The deferment was suppose to be for XXXX and XX/XX/XXXX We paid the XXXX XXXX XX/XX/XXXX payment and have not missed a payment since XXXX of XXXX During the agreed deferment that was signed in XX/XX/XXXX XXXX pandemic took effect We faxed the deferment agreement but the office was closed because of the pandemic We were advised to send to another office that was open We did this So XXXX and XXXX was deferred as far as our agreement We received a notice saying because of covid we could pay no payments or partial payments until XX/XX/XXXX We did not send in any partial or late payments We paid our full payments early or on time In XXXX I called Rushmoore as our mortgage statement said we were two months behind I explained the deferment agreement that had been signed They then told me that no investor at this time was offering the deferment plan I explained that this was done before the pandemic I have had no success getting this problem resolved I finally talked to someone who went back and checked all of our communications She stated that in XX/XX/XXXX that we were given a 1 month deferral for XXXX I explained we had payed XXXX so no deferral was needed Finally after many months of trying to straighten this out I am now told that we did not get a deferral for XXXX and XXXX only for XXXX This still means I am 1 month behind This is not right I have the signed agreement that was agreed upon How can Rushmore do this? I have the signed agreement and faxed copy ( dated ) proving this was our agreement Just because Covid slowed or stopped their business operations I should not be penalized I have spent many hours on the phone I even sent in a copy of the agreement I will not answer any calls from them anymore Rushmore has my contact email this is the way I have told them I want to communicate I will not answer any phone calls as I need to have in writing what is being told to me
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| 08/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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mortgage company refuse me a loan modification on my loan even during covid they said in office you are BLACK BALL and u can never get loan modification.
the only way too keep home i had to file XXXX XXXX during the XXXX XXXX mortgage company sent conflicting statements saying no money was ever sent over the first year they stated my balance went up and they received no money! second year they kept up with same deception stating no money received so i ask for payment history and ask my lawyer why are they sending documents which are very discouraging and dishonest.
i ask for total paid to mortgage company and i pay account off/ CLERK of XXXX stated on legal document mortgage company received XXXX However they sent statement that i owed for 2years { have document exhibit 1 ) i owe for the two years in XXXX XXXX and balance before XXXX XXXX which totals XXXX plus i almost lost my mind!! So I ask for QWR in XXXX when clerk of court gave me amount paid in to mortgage company and i pay rest off.to this day i have not received nothing they told me i cant talk too anyone, plus they sent all my personal mail with any correspondence too a BK attorney in XXXX which stated he no longer represents me { exhibit 2 } lawyer writes me asking why are they sending your mail to me.
i told him they are trying too steal the property and keep me not inform, Know out of the blue one rep I spoke to at mortgage company said i don't know why they are treating like this but this guy said I'm send u out a modification pack because you are black balled.
and i filled it out ( exhibit 3 ) XXXX they never sent me a reply but pull my credit they were still double tracking me for foreclosure/ will not give me accurate pay off XXXXstalling tacti 's then they sent me a foreclosure date 30 says out XXXX. they still have my XXXX now they are trying to unjust enrich their self. NO letters sent to me to cure default, all info sent to different address the forwarded to me how many days is lost.
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| 10/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
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Web |
Older American |
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Ref : XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Telephone number XXXX On XX/XX/2023, a letter was sent to me informing me that my home was being foreclosed on and would be sold at the XXXX XXXX, foreclosure sale in XXXX XXXX.
On XX/XX/2023 I paid my loan in full to XXXX XXXX XXXX XXXX ( a copy of the paid file is attached ). Since I paid the loan off, I have been calling XXXX XXXX XXXX XXXX on a daily basis to ask XXXX if they have filed a legal release to my foreclosure proceeding. XXXX customer service representatives have informed me that XXXX is undergoing system consolidation or upgrade and that no information can be given on my file. Therefore, I should continue to call back in a few days. I have also contacted attorney XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, who is the trustee in XXXX handling my foreclosure. The XXXX department who simply gives you an email informs me that the foreclosure can not be stopped until XXXX XXXX XXXX XXXX files a formal release in the XXXX XXXX courthouse.
I am requesting that the CFPB assist me in getting the loan servicer and law firm involved in this matter to remove my property from the foreclosure sale coming up on XXXX XXXX.
I have paid what I owe on my home to XXXX. I am requesting that CFPB intervene and assist me in getting the cooperation of XXXX Mortgage XXXX XXXX and release my home that I have paid for by filing paperwork in XXXX XXXX courthouse and in turn I can get my home released from the XX/XX/2023 foreclosure sale.
The computer issues of XXXX are of no concern to me, I have met my financial obligation and need to have my home released from foreclosure immediately. I am attaching the foreclosure proceeding and the copy of the foreclosure payment confirmation made to XXXX mortgage on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Homeowner department ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Tel : XXXX XXXX XXXX
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| 11/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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I have submitted a complaint asking to correct misinformation. my mortgage original loan amount was $ XXXX the credit reporting agency has it at $ XXXX. i have pain down $ XXXX. TO THE TUNE OF NOW $ XXXX ( XXXX is non interest baring, deferred ). so the credit reporting agency is reporting approximately $ XXXX and a XXXX balloon and that is not correct, they are also reporting the origianl loan amount was $ XXXX approxiately - that is not correct it was $ XXXX. Its not that complicated XXXX had my loan and the original loan amount was $ XXXX then Rushmore changed it to inaccurate reflection. this problem is that it lowers my score because it looks like i have not paid down a loan that ive hade since XXXX and I did. ALSO why is Rushmore reporting payments for a time thety did not service my loan. they obtained servicing rights XX/XX/XXXX first payment date to Rushmore and months later they are reporting payments for XXXX and they have no idea that they can not report on servicing when they have not been assigned servicing rights. Also. how are the acting as a servicer of my loan when there NO original NOTE. Anywhere.. My understanding is that in order for a servicer to collect payments and service a loan there must be an Original note, not a copy of a note but the original note. I have research through much time and throughout the industry .... there is no original note. therefore collections of payments, collections, preforclosure, foreclosure if done is not in compliance. There is a very good reason why original not is required to protect mortgagor and Mortgagee. If original note is not held thean anyone that has the original note can collect of the full amount of that note. thats why the origianl note must be in place to collect and service mortgage payments. Or there is a flaw in securing a property. as I see it without haveing the original note ... these paymemts are being collected without merrit and possibly without Legal right ( without predjudice )
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| 02/19/2022 |
Yes |
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- Trouble during payment process
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Web |
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We were on a covid 19 forbearance for 6 months in XXXX we sent in a request for an 180 day extension the request was denied we requested again and again denied. No notice was given that our house was going to a sheriff sale until I received a letter stating that my house was sold on XX/XX/2022 that letter came on XX/XX/2022 so was this some sort of secret sale because I have done alot of research and can not find anything about this now or in the past so if Rushmore Loan did this they did it in secret or this other person is lying who sent me the letter. We should have received the 180 day extension but were denied. Also a couple of questions that Rushmore has not answered. My brother XXXX who was responsible for the loan past away a few years ago I notified them they bought the mortgage from Beneficial without knowing this I told them my wife and I are current residents and homeowners for this property my brother had mortgage insurance in case something happened to him this was part of the original mortgage but after he died they said Beneficial there was none I still have the original mortgage showing it was apart of it so my brother always thought it was there so something happened to it without anyone 's knowledge or approval also at the time my brother signed the mortgage there turned out that there was no equity so my brother was going to walk out however Beneficial gave him a {$10000.00} side loan which he later told me he felt pressure to do and sign to get the mortgage I do not know what to call that type of lending practice. I am almost XXXX XXXX XXXX this was my family home so I know that it is my death sentence if I have to go homeless I have asked for our 180 day extension and maybe as things get better we can work something out. Thank you for your time and being there to help. I think this was a FHA loan but I know it was a government backed loan also I have the documents showing the side loan even the folder it came in labeled side loan.
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| 11/28/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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Dear Sir or Madam, I would like your help to prevent Rushmore Loan Management Services a Debt Collector company from using any dishonest tactics to take my home. They want to change my Monthly payment from {$470.00} to {$510.00} on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from that debt collector that indicated there is a shortage of Mortgage escrow. '' According to them they indicated a projected low point of {$810.00}. " Under the Mortgage contract State or Federal law, the lowest monthly balance should not {$280.00}. '' The difference between the projected low point and the amount required is $ XXXX This is the shortage. '' When I called them I spoke to to Rep. Ms. XXXX ID # XXXX on XX/XX/XXXX I was told the reason my mortgage going up on XX/XX/XXXX is because my hazard Insurance went up to {$1600.00}. My previous Hazard Insurance was {$1400.00}. The difference was only {$220.00}.
I called the XXXX XXXX to tell them that I was about to drop them because the Insurance went up. They brought down the payment to {$1100.00} They sent me a refund check for {$540.00}. They told me to cash the check and returned my personal check of {$540.00} to The Debt Collector Escrow Department. I faxed to # XXXX a copy of the check from XXXX XXXX and a letter indicated the check for {$540.00} was sent to adjust the Mortgage Escrow shortage, Now my Insurance is lower than last year from {$1400.00} to {$1100.00} which I was paying {$470.00}. I do not trust them because they sent me a letter as written acknowledgment of receipt of my correspondence received by their office on XX/XX/XXXX, XXXX without even mentioning the check of {$540.00} that was sent to them with my letter. They also have not cashed the check and requested 30 days for review.
Please help me, as a XXXX Year old with a husband that suffers from XXXX I can't not afford my mortgage to go higher because I will not be able to afford it.
Your help will be greatly appreciated. Thank you very much!
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| 04/04/2023 |
Yes |
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- Trouble during payment process
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Web |
Older American, Servicemember |
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THE SERVICING OF MY LOAN WAS TRANSFERRED TO RUSHMORE XXXX XXXX. AT THE TIME OF TRANSFER THERE WAS A LOT OF UNRESOLVED ISSUES WITH THE SERVICING OF THE LOAN BY XXXX XXXX. THE FINANCIAL DATA WAS NOT CORRECT AND I REPORTED IT TWO BOTH SERVICERS. THErgo INACCURATE INFORMATION WAS NEVER FIXED. AT THE TIME THE LOAN TRANSFERRED INITIAL FORECLOSURE PAPERWORK WAS SUBMITTED BY XXXX XXXX ON XXXX XX/XX/XXXX. UNKNOWINGLY TO MYSELF, THIS WAS A VIOLATION OF THE DUAL TRACKING LAW. I WAS ACTIVELY ENROLLED IN THE LOSS PREVENTION PROGRAM. ( XXXX XXXX is currently investigating my account ). I have documented proof that from XXXX of XXXX thru XXXX of XXXX my mortgage was in a forbearance plan. This is documented on monthly statements from Rushmore and correspondence received from Rushmore. I received a notice from the court that a hearing to set a sell date had been scheduled by Rushmore in XXXX of XXXX. I notified the court that I could not attend due to the fact that my wife had just had emergency XXXX XXXX for a XXXX XXXXXXXX and it conflicted with medical appointments. I asked that it be postponed and attached medical documents with the request. I received no response and the hearing tok place. A sell date of XXXX XXXX of XXXX was scheduled and seeing as my wife was at home on XXXX XXXX, I filed emergency bankruptcy to stop the sell. My wife passed away at home on XXXX XXXX of XXXX. I have hired numerous companies to help stop the illegal sell of my home and I also have hired an attorney. I have informed Rushmore and the court that the foreclosing of my home violated the Federal Dual Tracking Law and have been ignored. I contacted the Regional Director from the VA that concurred with the fact that if any activity took place in regards to foreclosure it was a violation. At this point in time the foreclosure is still in process. Additionally, I have applied for a loan modification and have been denied whenever there are existing Hud and VA programs I qualify for.
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| 06/26/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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I have written to Rushmore Loan Management Services because they changed the terms of my loan when it transferred to them, which their website states they will not do.
I am writing to dispute the late fees that I am being charged. My loan was transferred from XXXX in XXXX of 2017 where late fees were not a part of the terms. The Rushmore website states that the terms of your loan, when transferred to Rushmore, will remain the same. Initially the XXXX terms were honored but after the first few months after a false loan modification increasing my payment did not stand, suddenly I began being charged late fees. I pay my mortgage after the XXXX of each month because, as a senior citizen, that is when I receive my social security check. This was never a problem with XXXX. Rushmore not only began charging me late fees which was a departure from the terms of XXXX, but also began sending me letters stating that I was in default and threatening foreclosure before the month during which my payment was due had even ended.
When I told the last representative about the illegitimate late fees being charged to my account, I was advised that a letter to the company was all that was needed to clear this up. I have written to the company previously but received no response. Here is the information on their website : https : //www.rushmorelm.com/faq/ Generally, the terms of your loan will not change as a result of a transfer of servicing. Rushmore will honor the terms of your loan that were in place with your prior servicer, including any existing repayment plan or loan modification to which you agreed with your prior servicer. Contact Customer Care toll-free at XXXX Monday Thursday from XXXX XXXX to XXXX XXXX and Friday XXXX XXXX to XXXX XXXX ( all times PT ) if you have questions.
I believe I am being discriminated against if late fees are charged to my account. I would like this corrected and the late fees removed.
Thank you, XXXX XXXX loan # XXXX
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| 02/27/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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US BANK REPRESENTATIVE DENIES FICTITIOUS LOAN SCHEME PLUS STATES MY EVIDENCE AND COMMUNICATIONS WILL BE OBSTRUCTED FROM REVIEW On Monday, XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX wrote : Re : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX Dear XXXX XXXX : Thank you for your inquiry directed to the Consumer Financial Protection Bureau ( CFPB ) and subsequently forwarded to U.S. Bank N.A . ( U.S. Bank ). I have been asked to address your questions or concerns on behalf of U.S. Bank and appreciate the opportunity to do so.
Our records show we responded to your inquiries on 2 separate occasions response dated XX/XX/XXXX, and XX/XX/XXXX. Please refer to those communications, as we do not have any additional information to provide to you. Those communications clearly stated our role and identified a more appropriate contact for your inquiries.
We disagree with your legal assertions and do not acknowledge your correspondence as satisfaction or settlement of the debt owed, nor do we acknowledge that your correspondence has any legal significance or that it forms the basis for any contract or agreement. Your account is governed by your loan documents and the Trusts governing documents. The statements contained within your correspondence in no way alter or change the nature or terms of your loan documents and your contractual obligation to repay the balance owed on the account in full is neither discharged nor forgiven.
As the previous letters to you by U.S. Bank have provided you with the servicer contact for your issues and we have no additional information to provide to you any future correspondence by you will be forwarded directly to the servicer for a response. Accordingly, direct all future correspondence to the servicer representative assigned to this matter Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX U.S. Bank XXXX XXXX XXXX U.S. Bank XXXX XXXX XXXX XXXX XXXX XXXX | XXXX | XXXX XXXX, MN XXXX XXXX www.usbank.com
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| 09/28/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Hello, my name is XXXX XXXX. I have a situation that I can not do by myself anymore and I need help. I have been trying to receive a loan modification for a very long time now. I was transferred not too long ago to a new servicer RUSHMORE LOAN MANAGEMENT SERVICES , LLC. There is a foreclosure sale scheduled for my home on XX/XX/XXXX.
From my first bank, XXXX XXXX XXXX and they have denied me multiple times for a loan modification until XXXX XXXX XXXX transferred my loan to XXXX. I told XXXX I want to apply for a loan modification. They have told me to pay {$2000.00} for a Trial Period Payment of 3 payments. I told them I can not afford that and I asked them to apply me for a loan modification. XXXX sent me an application for a loan modification. I have filled it out and faxed the full packet to them. After 3 months they then have told me that I do not meet the qualifications for the XXXX loan modification and the representative told me to apply for the Keep Your Home California program. So I did. But the Keep Your Home California program has denied me. At this point I applied for the Making Home Affordable Program and faxed over a full packet to XXXX. After some time I yet again get transferred to another servicer which is now my current servicer RUSHMORE LOAN MANAGEMENT SERVICES , LLC.
I sent over the a full packet to RUSHMORE LOAN MANAGEMENT SERVICES , LLC again in hopes for a loan modification review. I and my family are in a very tight spot with RUSHMORE LOAN MANAGEMENT SERVICES , LLC and we do not know what else to do. I can make monthly payments for this loan of around {$1300.00} for the loan, insurance and taxes. That is an amount I can afford. Please review this company as to why its taking so long to review and approve the loan modification process. Seems as though every company is prolonging the process as much as possible.
RUSHMORE LOAN MANAGEMENT SERVICES , LLC are in Violation of my CALIFORNIA HOMEOWNERS BILL OF RIGHTS
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| 03/13/2020 |
Yes |
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- Trouble during payment process
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Web |
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Rushmore Loan management will not give me credit on 3 payment made.
I have sent proof of payments to Rushmore many times.
XXXX XXXX sold my account On XXXX XXXX i made payment to XXXX XXXX for XXXX and XX/XX/XXXX {$1100.00} On XXXX went to XXXX XXXX to make payment and I was told that my account was sold to a different Bank .and that I was going to get a letter from the New Bank . XXXX XXXX would not tell me who was the new Bank.
2 week 's past and I still have not received a notification on the new Bank I call XXXX XXXX and they would not tell me who or phone number of new Bank On XXXX XXXX I got a letter from Rushmore Loan management, but No account number.
On XXXX XXXX I got a letter from Rushmore Loan management with my account number and I mailed my XXXX and XXXX payment.
On XXXX XXXX I got a statement that shows that I had to pay {$1500.00}.
So I sent my XXXX payment and copy of all PAYMENTS including the payment to XXXX XXXX for XXXX and XX/XX/XXXX. On XXXX XXXX I got statement and it shows that I had to pay {$1800.00}. I sent my XX/XX/XXXX payment and I sent copys of payment to Loss Mitigation. On XXXX XXXX I got a letter from loss mitigation saying that they received the copies of payments and that in 30 days my account will be corrected.
I never received a notification.
I call many times no one had a awnser on why this was happening. I continue to make my payments and on XX/XX/XXXX I got a letter from the County of XXXX that saids that my house was in Foreclosure. In XX/XX/XXXX XXXX I emailed all my payments to XXXX XXXX in loss mitigation and on XXXX XXXX I get a payment history letter in wich Rushmore Loan management is charging me for XXXX and XXXX payment that I made to XXXX XXXX and on the payments history money order # XXXX XXXX payment to Rushmore in wich they cashed.
I emailed XXXX XXXX/ left house message and No Response This is unreal / I lost my job because I got mentally ill dealing with this situation.
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| 11/08/2021 |
Yes |
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- Trouble during payment process
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Web |
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On XX/XX/XXXX a security instrument was given to HUD ( via XXXX XXXX XXXX ) in connection to my home located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The security deed was previously serviced by XXXX on behalf of HUD until it was transferred to Rushmore Loan Management Services as evidenced by a letter dated XX/XX/XXXX. In XXXX, I corresponded with Rushmore Loan Management Services in order to secure a payoff of the primary loan and any subordinate instruments associated with my home. I was given a figure and paid that amount. Until XXXX of XXXX, I took for granted that RLMS had sent XXXX release paperwork to my XXXX. Upon my attorney 's research into the title, it was discovered that the smaller security deed was never released, although RLMS shows the balance on that instrument to be XXXX. In XXXX of XXXX I began to inquire about a resolution with RLMS. The result has been disastrous. RLMS has not been responsible in following up with me on this matter which has been unresolved for almost two months. The latest information they disclosed to me is that they have sent some unidentified information to HUD and that HUD responded with unidentified questions for RLMS. I can not get a clear answer to my inquiry. In the meantime, {$4400.00} is being held in limbo during a home sale process. This is money that I need and can not access. I filed a complaint with HUD and am now doing so with you. I can not reach HUD to inquire and am left thinking that something is amiss with RLMS. I have no recourse of action as RLMS will not connect me with their lien release department, nor will they connect me with someone who can answer my questions. The original XXXX case XXXX on the instrument is XXXX ( this is a Georgia subordinate security deed : HUD instrument XXXX. The number XXXX assigned to the deed was XXXX. The loan number that RLMS assigned is XXXX. I need some pressure to be applied to RLMS to reveal what is really going on. Thank you.
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| 04/30/2020 |
Yes |
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- Trouble during payment process
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Web |
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Regarding : Rushmore Loan Management Services During Covid-19 I lost my job and called to see what the options were in XX/XX/2020. They told me to fill out the form and that someone would call me back within 10 days to discuss my options.
After not getting a call back, I called them to ask about what would happen. The disrespectful and worthless person ( still a human but worthless because they did not know anything and could not help me because they did not have any information at the time because blah blah blah excuses ) that picked up the phone could not answer my questions. When I asked to speak with a manager they forwarded me to an answering machine and I left my contact info. After not getting any call backs I called them again and got another worthless person that sent me to the voice mail of another manager that was not available.
Whom can I talk to about my options that does know what they can do and knows about the legislation enough to solve my issues? Or even more simple, who works at Rushmore that is polite and knowledgeable and able to pick up the phone? Customer service is not their strong suit!
Seems that they want to put me on forbearance and ding my credit report with a forbearance note that will hurt my credit In case I need to get a business loan in the future. Also they dont know if my payments will be required to be paid in full on the fourth month or if they will make me refinance or simply tack the payments on to the end. For that I would have to wait until the end of the three months and see if they decide one way or the other. Unfortunately, I need an answer now to plan correctly.
Additionally, the letter that was sent out to me says that my payments are past due, even though my payments are current. The person on
the phone said its just a generic form that was filled out ... and yet, if I sign and agree to it, they can say but you signed it and I would be the one on the hook. Not right!
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| 04/25/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Rushmore Loan Management Services is the lender. I have a fixed BK XXXX Federal Court Ordered payment, Case # XXXX with a rate of 5 %, 25 year, PB {$100000.00} onXX/XX/XXXX. I have been paying P & I of {$500.00} since the Federal Court Order for the 5 years, and 2 years after the discharge my P & I of {$500.00} to continue thru 25 years until paid per the Court Order. Rushmore increased my payment of to {$800.00} to include real estate taxes afterXX/XX/XXXX, and then told me inXX/XX/XXXX my P & I was increasing up to {$590.00} telling me it was amortized incorrectly, I let them know they could not do that, they agreed to look into it and then I would continually get letters telling me I was in default, but when I called they said just ignore, they can't stop the letters, they are looking into it. I called my BK Attorney XXXX XXXX, she said I am not allowed to pay a payment other than the Federal court ordered amount, except for real estate tax escrow, if increases ; she said the lender can not change Court Ordered P & I of {$500.00}, they had 5 years during the plan, and before the discharge, and have accepted the Court Ordered payment another 2 years after. My annual Real Estate taxes for XXXX is approx {$3800.00} /12 months should be XXXX and tax increase is more than it should be at {$410.00}, raising my total payment to {$1000.00}. Rushmore is sending me threatening letters now telling me I am in default after they told me they are trying to resolve the mix up, but tonight I received another letter telling me I am in default of my mortgage.
P & I should be {$500.00} and real estate tax portion should be {$310.00} for a total of {$840.00}. I agreed to their increase up to {$890.00} and have been paying that amount assuming the difference was for the tax increase, but they said the difference is in the P & I, but they also increased my real estate taxes way over my XXXX real estate tax bill. ( copy enclosed )
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| 06/10/2019 |
Yes |
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- Struggling to pay mortgage
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Web |
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Rushmore took over servicing from XXXX I requested verification of the debt and payments from XXXX of XXXX. Only verification I ever received no matter how many times I disputed the debt with XXXX XXXX & XXXX and the servicers was a printout of payments charges fees. There were over payments that were never applied to my mortgage the amounts were just adjusted out of the account. I entered in to 3 modifications each time they held the payments in suspense ( in one instance the payment was not applied to the account for 2yrs ) Because the payments were put in suspense they claimed I defaulted on the modifications. The balance they say I owe as of XX/XX/XXXX was {$120000.00} yet I made modification payments after XX/XX/XXXX.
XX/XX/XXXX the foreclosure judgement was entered by XXXX XXXX and XXXX while I was completed a modification plan with Rushmore. XXXX XXXX and XXXX were also Dual tracking when I was in a modifcation with XXXX and with XXXX. They never served the 90 day notice they never acknowledged the numerous debt disputes. XXXX of XXXX Rushmore denied a modification but did not provide information as to the rules regarding the modifications they also claimed they could not consider it because it was less than 37 days when the sale was not until XX/XX/XXXX Despite the mortgage stating that I had the right to payoff the mortgage up until 5 days before the sale XXXX and XXXX XXXX and XXXX did not send the Payoff until after the sale despite the request being made in XXXX giving them ample time to send the payoff. They effectively breached the contract.
The County Supreme Court disregarded the blatant lack of jurisdiction did not request a traverse hearing despite proof XXXX XXXX was never served Rushmore XXXX XXXX and XXXX also have ignored this fact. They are now trying to evict me after breaking the law numerous times causing me emotional distress. They have broken numerous laws in the Frank Todd Act
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| 07/22/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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I have been attempting to get a loan modification. When I last submitted the modification package in XX/XX/XXXX and XX/XX/XXXX the representative told me that I needed additional income. So I found a part time job that I started XX/XX/XXXX. In the process of doing that I received a letter stating that a sheriff sale was scheduled for XXXX/XXXX/XXXX XX/XX/XXXX. After calling a countless number of times and none of my phone calls being returned, I was able to reach my account manager on XXXX/XXXX/XXXX. We discussed the sheriff sale date, the option of a short sale as well. I informed her that I had a part time job and was there still an option to do a loan modification. She said yes and once she had a completed package that would stop the sheriff sale. I sent a completed package in on XXXX/XXXX/XXXX. A few days later I received a letter stating that the modification was denied because it was not received 37 days earlier. And the funny thing, is that as many times as I have applied for a loan modification, I never received a letter stating why I was denied. I would find out that I was denied by the constance calling I was doing to check the status of the loan modification. I have been calling my account manager every day, sometimes 3 times a day and none of my calls have been returned. Finally on XXXX/XXXX/XXXX I called and asked to speak to a supervisor. I spoke to XXXX explained my situation and he said he would see what he could do and call me back in one hour. Needless to say no one has called and today is XXXX/XXXX/XXXX. I 'm frustrated and do n't know what else to do. I want to keep my home but how am I going to do that when no one from the mortgage company will contact me back. This is an ongoing issue with this mortgage company, which causes so much frustration. Due to non response from the mortgage company I filed a request to reopen my case. It was granted and I have to appear in court XXXX/XXXX/XXXX.
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| 12/21/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I have a foreclosure date set forXX/XX/XXXX and my modification has been going on sinceXX/XX/XXXX until now. Has gone through 3 servicer 's, started with XXXX for a year, they sold to XXXX XXXX XXXX for 3 months and I have had a lawyer for the last XXXX XXXX. The last servicer, XXXX has had it for 2 years and have been saying I do n't make enough money for a modification, not true the numbers show I make enough. I have written down and dated documentation of conversations and events through out the whole circus with these servicer 's. They say we did n't receive this or resend that, then they say we have everything and transfer it. My lawyer says my options are taking a chance with the judge, paying a XXXX to reinstate or foreclosure. From surfing the internet I have seen many ways to stop this foreclosure, this is how I found you. I just do n't trust my present lawyer anymore because he is not even discussing all my avenues. I just got married 2 years ago and it is really weighing in on my wife and I. I am XXXX XXXX, XXXX XXXX XXXX and maintenance and pretty rooted in here at my home with 2 garages, a lot of equipment and my snow removal route is designed to do a circle around the house. I have a commercial blower on the front of my tractor and just drive it around in a big loop at 15 MPH. I have 5 apartments, 2 buildings same location, and applied for a modification for that property in XXXX and got it so I decided to apply for a mod with my home. XXXX started reporting to the credit bureaus back in XXXX as being late and also said foreclosure initiated, this has dropped my score incredibly. I have equity in my apartments but ca n't use it to reinstate because I ca n't get an equity line because of the late 's on my report, so XXXX has really XXXX my. We desperately need to keep our house and I am willing to fight for it. I pay all my bills on time and just want to pay for the house as well.
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| 02/22/2022 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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My mom passed away in XXXX, and her single family home was distributed to myself and others. Before passing away, XXXX XXXX XXXX filed for foreclosure in XXXX, alleging that as of XX/XX/XXXX {$130000.00} was owed on the account. The court later dismissed the action around XXXX of XXXX. In XXXX the co-borrower on her loan filed for bankruptcy as a second foreclosure was filed. A new lender was appearing making a claim for an outstanding balance, but was forced to stay its action due to the bankruptcy filing. In an effort to have the federal stay lifted, a motion to lift the stay was filed and a statement of the account was provided which reflected a credit posted to the account in the amount of {$130000.00} on XX/XX/XXXX. This is the exact amount due and owing to XXXX XXXX XXXX in the XXXX foreclosure action that was later dismissed.
The loan belonging to XXXX XXXX ( deceased ) was paid off, but never satisfied on the record and never replaced with a new loan. During the Bankruptcy Rushmore XXXX XXXX offered a modification on the satisfied mortgage to the co-borrower, XXXX XXXX XXXX as the borrower and Rushmore Loan XXXX as the Lender. XXXX XXXX XXXX signed as the Borrower and Rushmore Loan XXXX Signed the modification as the lender. Neither XXXX XXXX XXXX nor XXXX XXXX Servicing had authority to modify the mortgage and note as XXXX XXXX had quit claimed his interest in the property to XXXX XXXX XXXX and Rushmore Loan XXXX is not a lender and did not lend XXXX XXXX any money. Despite the fact that Rushmore is not a lender, the modification signed By XXXX XXXX of Rushmore, is being used to collect on a debt that is not owed against a property that I and my siblings and father gained title to after the passing of XXXX XXXX XXXX.
Rushmore allowed its false modification to be presented both Federal and State Court in an attempt to foreclose on my property rights for a debt that is not owed.
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| 03/08/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On this date being XX/XX/XXXX I, XXXX XXXX is initiating a complaint against Rushmore Loan Management Services regarding my property located at XXXX XXXX XXXX in XXXX, New York XXXX loan number being XXXX. My monthly mortgage amount was {$350.00} from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXXmonthly payments commenced in the amount of {$330.00}. This complaint stems from the following and serves as the 2nd complaint against the Servicer, since XX/XX/XXXX : A ) Error Regarding Payment Remittance.
Please be advised on XX/XX/XXXX I received the attached letter via email by a family friend who checks on my property and forwards any/all important mail when I'm out of town. In addition, I retain most of my important accounts with me when I travel.
The attached letter states that my XXXX payment received by the Servicer was in the amount of {$300.00} short by {$47.00}. The Servicer states they are accepting the payment as a courtesy but I must remit the shortage with my next mortgage payment.
On XX/XX/XXXX a money order from the United States Postal Service was purchased and submitted to the Servicer in the amount of {$350.00}. In addition, the payment was forwarded to the Servicer via Priority Mail.
I am attaching the following as evidence of making the payment of {$350.00} to the Servicer : 1. US Postal Service Money Order Stub 2. Receipt for Money Order 3. Priority Mail Receipt I am requesting the Servicer to correct their Error and apply my XXXX payment in the amount of {$350.00} to my account accordingly. In addition, I requesting a letter from the Servicer rectifying this matter accordingly. Please be advised in XX/XX/XXXX monthly payments have decreased from {$350.00} to {$330.00}. However, I selected to make a payment of {$350.00}. It would be unlawful and unwarranted for the Servicer to fraudulently apply additional payments to my account when the payment of {$350.00} was forwarded.
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| 07/12/2019 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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We recently completed a loan modification on XX/XX/XXXX which included calculations of escrow payments and detailed evaluation was completed prior to the loan modification being completed on XX/XX/XXXX. We initially turned our loan modification paperwork into Rushmore in XX/XX/XXXX and tax bills and insurance information was gathered by Rushmore and confirmed by both the XXXX XXXX XXXX - XXXX XXXX and XXXX XXXX XXXX XXXX XXXX who sent a bill to Rushmore Loan Management Services and information was readily available to underwriting during this 7 month period, prior to our final loan modification being approved on XX/XX/XXXX. Prior to the final loan modification being completed, we made 3 trial payments of $ XXXX and received a revised loan modification packet on XX/XX/XXXX which included our initial payment due on XX/XX/XXXX for {$4800.00}. We signed and notarized the finalized modification paperwork on XX/XX/XXXX and returned per requested by Rushmore LMS via the XXXX package provided. We were told this would be our new payment going forward. However, on today XX/XX/XXXX, we received a letter in the mail from Rushmore LMS stating our payment is now {$4900.00} which is a total Bait & Switch from the loan modification contract signed on XX/XX/XXXX. Also, as mentioned earlier and within the loan modification paperwork attached the principal, interest, escrows ( taxes and insurance ) were all part of the newly calculated payment of {$4800.00}. Therefore, our payment should not be going up this quickly after signing a loan modification with first payment due in XX/XX/XXXX for {$4800.00}. This is illegal bait and switch discriminatory and greed tactics exhibited by XXXX and XXXX XXXX XXXX XXXX. They are taking advantage of U.S. Veterans and XXXX Minorities. We just signed the paperwork and they are also causing haphazard misrepresentation and false advertisement regarding loan modifications.
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| 05/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I contacted my mortgage provider during covid 19 to indicate that I was unable to make payments as scheduled. I was approved for a XXXX in XX/XX/XXXX and was told it was good for 6 months. In XXXX of XXXX, I called again and I was told I had several options for repayment. I could repay everything I owed all at once ( ( I was unable to do this ), I could go on a repayment plan or I would lose my home, the last option was to extend the forbearance. XX/XX/XXXX I extended the forbearance and was told it was good for another 6 months. XX/XX/XXXX, I called the loan provider and was only give the option of a repayment plan so I began the process of trying to figure out what was needed. I was told I would be called with options and or it sent in writing. No one ever called so I called again and was given these terms ; XXXX down payment and monthly payment would be XXXX for 12 months as the mortgage was XXXX. I began the payment plan in XXXX of XXXX. I then realized that my loan had been reported as DELINQUENT for 120+ days. I called and asked why this happened and was told the loan would be reported as delinquent for over a year. I asked why this was never told to me and furthermore if I was on a repayment plan why would this be reported. I received NO response. On XX/XX/XXXX, I noticed that loan was closed, I called again and they indicated the loan had been sold but yet they are still reporting a loss on my credit report. I was under the understanding that the government had indicated that loans and mortgages would NOT be reported as a loss. I have been paying the loan back so not sure why this is happening. Please assist me as this will affect my score for the next 10 years. As many in the world, we have all been affected by COVID and my intentions were never to NOT pay and I have resumed paying my monthly payment of XXXX and an additional amount of {$1800.00} so I would not lose my home.
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| 01/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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I did not lose my job, nor did I fall XXXX My payments were deducted by electronic funds transfer and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I sent my payment to XXXX XXXX XXXX after a corporate transfer however, on XX/XX/XXXX, XXXX XXXX cashed my cashier 's check no. XXXX, that triggered the predatory foreclosure scheme imposed upon me. In addition, I must repay the check XXXX XXXX cashed and I must pay interest for the month of XX/XX/XXXX. ( See Affidavit of Amounts due and Owing & copy of canceled check. ) My regular monthly mortgage payments were {$670.00} until the corporate transfer of my note to XXXX XXXX. ( see U.S. Bank proof of claim pg. XXXX ) Immediately upon XXXX XXXX XXXX XXXX to go into my bank account on XX/XX/XXXX, the bank took XXXX which is {$12.00}, less than my regular monthly payment. The funds were available however, the shortage was intentional and used to send me into default on XX/XX/XXXX, loss mitigation and foreclosure was imposed upon me for the {$12.00} shortage. ( See letter to CFPB complaint XXXX response from XXXX dated XX/XX/XXXX pg. XXXX and U.S. Bank 's Loss mitigation Affidavit ) .Under the electronic funds transfer act the bank could have given me a provisional credit to the account for {$12.00}. They could have returned the {$650.00} to the bank account but instead, on XX/XX/XXXX, I was sent a loss mitigation package for 14 months and on XX/XX/XXXX. XXXX initiated foreclosure proceedings against me. XXXX XXXX and U.S. Bank conducted a corporate assignment and U.S. Bank took over the foreclosure proceedings. The balance on my mortgage was {$94000.00} at 2 % interest before the predatory scheme. A judgment was entered against me for over {$140000.00}, my credit is ruined with the judgment of foreclosure and I may find myself homeless because the bank intentionally took a partial payment for {$12.00} less than the amount due.
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| 09/06/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have been writing and complaining about my loan with Rushmore management. All of a sudden my monthly payment went up from XXXX to XXXX dollars. They said it was due to taxes and escrow. I objected and said I would rather pay my own taxes for which I made a XXXX dollar payment to VA department of taxation.
Calling Rushmore is useless. The people who answer are either in the XXXX or elsewhere. Each says something differently. In the month of XXXX I was in XXXX, CA and even though I had asked whether Rushmore had an office there, on the phone they told me it is just a PO Box . Well, I went to a building and No it was not a PO Box but a few story company there. I asked to meet someone. Finally a lady by the name of XXXX XXXX came and I talked to her at length and told her of my grievances. I also paid an amount of XXXX which had remained from the XXXX dollar payments i had made. I also told her that I think it is absolutely ridiculous and highway robbery that after making nearly 2000+ a month since XXXX on a loan of XXXX, I still owe Rushmore which is now the new lender or service loan XXXX plus some XXXX in late fees!!!!! I have paid over the years more than XXXX on this loan and still owe apparently XXXX!!!! How much do these people want? 200 percent on their investments? or XXXX?!!!
I have asked in various letters and complaints that I want this balance down and the monthly payment to be reduced to an amount that I can afford. I emailed Ms. XXXX two times since I met her and have left her 3 messages on the phone. She has not even bothered to return my calls. Ms. XXXX also told me that Rushmore is changing the amount to a lower amount as I paid the taxes. But what I get is the same amount and in fact the last statement was for 5000+. I want a total change on this loan and I want Rushmore to provide answers and return my calls. Otherwise, they are considered UNPROFESSIONAL.
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| 05/12/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Hello, my name is XXXX XXXX. I have a situation that I can not do by myself anymore and I need help. I have been trying to receive a loan modification for a very long time now. I was transferred not too long ago to a new servicer RUSHMORE LOAN MANAGEMENT SERVICES, LLC.
From my first bank, XXXX XXXX XXXX and they have denied me multiple times for a loan modification until XXXX XXXX XXXX transferred my loan to XXXX. I told XXXX I want to apply for a loan modification. They have told me to pay {$2000.00} for a Trial Period Payment of 3 payments. I told them I can not afford that and I asked them to apply me for a loan modification. XXXX sent me an application for a loan modification. I have filled it out and faxed the full packet to them. After 3 months they then have told me that I do not meet the qualifications for the XXXX loan modification and the representative told me to apply for the Keep Your Home California program. So I did. But the Keep Your Home California program has denied me. At this point I applied for the Making Home Affordable Program and faxed over a full packet to XXXX. After some time I yet again get transferred to another servicer which is now my current servicer RUSHMORE LOAN MANAGEMENT SERVICES, LLC.
I recently sent over the a full packet to RUSHMORE LOAN MANAGEMENT SERVICES, LLC again in hopes for a loan modification review. I and my family are in a very tight spot with RUSHMORE LOAN MANAGEMENT SERVICES, LLC and we do not know what else to do. I can make monthly payments for this loan of around {$1300.00} for the loan, insurance and taxes. That is an amount I can afford. Please review this company as to why its taking so long to review and approve the loan modification process. Seems as though every company is prolonging the process as much as possible.
RUSHMORE LOAN MANAGEMENT SERVICES, LLC are in Violation of my CALIFORNIA HOMEOWNERS BILL OF RIGHTS
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| 02/20/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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My mom purchased our home in XXXX, she was on mortgage only and I was on the deed.
The company that got the mortgage for us put her in a horrible loan, we tried to modify or refinance but they would not let us.. In XX/XX/XXXXmy mother passed I continued to make payments on house until XX/XX/XXXXthe mortgage went from {$1700.00} a month to {$2200.00} being a single mom with XXXX kids I could not afford a {$500.00} increase, Again I tried to modify loan on my own but being self employed I dont show I make enough to support the loan, even though Ive been paying the mortgage for the full 10 years out of my checking account.
When my mother passed I sent the mortgage servicing agent her death certificate at the time at that time it was XXXX XXXX servicing agent, the mortgage got sold again and the new company Rushmore refused to talk to me about anything because they thought my mom was alive still. The house is now going to auction on XX/XX/XXXX and even though I sent them her death certificate and a letter stating my Husband wants to by house or assume mortgage they still wont contact us or even talk to me. Im also concerned that all the steps in the foreclosure were not met, I was told they need to have the original note from original bank, which was XXXX XXXX XXXX of XXXX at the time, in all the foreclosure papers the bank that owns the loan now is XXXX XXXX XXXX XXXX.
I was recently married and my husband is preapproved for the mortgage.
During this whole process Ive contacted the lawyer involved in forcloser numerous times and so has my realtor. Not once have we received a return call. I didnt go to the forcloser hearing because I felt they would not help me or listen to me. I would really appreciate any advise you might have for me and how I can keep my house, like I said I have have XXXX children XXXX still living at home and run a XXXX out of home..
Thank you
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| 09/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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for the last 1 1/2 years the loan management company that bought my mortgage has been billing me money above the principle and interest saying it was for escrow for Property Tax and insurance. I already pay for all insurance that is required by Law thru my condo management company and every year They send Proof of That insurance to the loan management company, Well the loan company keeps sending me letters saying they are buying insurance anyway and they didn't get the fax and I can't get them to acknowledge I already have it and they Threaten to foreclose if I don't Pay. I even had the insurance provider call them to make sure they had it and she sent me a letter with the name of the person she talked to and they told her they had all the proof of insurance they needed, and then I got another letter saying they needed proof of insurance. It's like they are harassing me until I pay them,, Also I got a letter from the Tax dept. saying my taxes haven't been paid in 3 yrs and I had 4 days to pay them or the property was going up for auction, ,Needless to say I was shocked and Immediately had to go pay almost {$2000.00} worth of taxes at the Tax dept to stop action on my property. I called the Loan management company and asked them why they hadn't paid my taxes they said the tax dept. told them I didn't owe Taxes .I asked them where did my money go that they have been charging me for escrow they said they would do an escrow analysis .The escrow analysis said they need more money,, I Faxed them a letter formally asking them not to escrow my account and that I'm responsible for my own taxes and they weren't paying them anyway. and I wanted the money back for the escrow and Insurance for the last 1 1/2 yrs yrs that they didn't pay. That are trying to raise my escrow by twice as much as my taxes are and won't even talk about where the escrow money that they already have went.
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| 10/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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We completed our loan Forebearnce in XX/XX/XXXX and submitted our initial Loan Modification paperwork to Rushmore in XX/XX/XXXX and were stalled with lagging, discriminatory tactics and have reported our account as delinquent although we made the 3 Trial Plan Payments which equated to the full Payment amount which we would be charged after the Loan Modification was completed in on purpose Lag time, as we had to contact the Veteran Administration Affairs on several occasions due to the retaliatory tactics utilized by Rushmore when our loan was transferred to them in XX/XX/XXXX while we were in Forebearance with XXXX. Loan Modification Paperwork was requested to be resubmitted in XX/XX/XXXX as well, although they initially submitted received our Loan Modification paperwork in XX/XX/XXXX, as I was previously informed by XXXX Mortgage prior to transferring it to Rushmore, that I should submit my Loan Modification 1mth prior to the end of the Forbearance Period, in which we completed.
Upon finally receiving an approval via phone on a recorded line, we were told to make our 3 trial Payments of {$4800.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and should have been reported to all 3 Credit Bureaus as timely payments. They were not late because they were paid on time and we should not be negatively impacted due to Rushmores Discrimination Tactics exhibited towards XXXX XXXX-XXXX attempting to Refinance. Rushmore strategically and systematically discriminated against us during the loan modification process to include the interest rate of 5 %! and subsequently the Trial Payment period which we completed on-time. Also, upon the completion of the Loan Modification approval, the account should have also been updated as current starting in XXXX as well. These bait and switch tactics are illegal and should be investigated by SEC, FDIC, FTC and the Veterans Administration.
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| 07/19/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Credit decision / Underwriting
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Web |
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My salary got reduced and payments were high. XXXX XXXX XXXX my mortgage company filed foreclosure. Unable to come up to the huge amount they demanded I filed for chapter XXXX motion to stay since I only had 21 days to respond or lose my home. Later XXXX XXXX XXXX transferred my home to Rushmore. I found Rushmore inflated the amounts i owe and made it impossible for me to maintain the payments and increase the interest higher. I absolutely disagree on the amount they came up with. After making a steady payments and staying current they sent a letter calming I missed payments for 9 months and filed a foreclosure for a short sale. In between I received a letter from the government stating I qualified for a new program called Harp for a fixed rate. I was filled with hope and agreed and singed on. Front cover looked like a government offer for home owners to keep their home from Obama. HOPE and Hud were on every page approving this modification. Later XXXX which was working on behalf of XXXX XXXX XXXX asked a retaining fee and lawyers fee which I paid informing me the money would be added or count as a payment for my mortgage. I paid {$1600.00} each month to them for a period of 3 months. I do n't remember the application fee amount. The process took more than 5 months and i was warned not to speak to the mortgage company since they were the lawyers they must speak to them. One of the documents I signed stated I was not allowed to contact the Rushmore. Later on I received a letter and a auction sale on my property with an eviction notice from Rushmore. Heartbroken I contacted my chapter XXXX lawyer and asked how this can happen. I found out the XXXX part was fraud and I was a victim of scam. I did not question it because the flyer looked like it came from the government. I need help. I want to keep my house. I 've worked to hard and believe in the American dream.
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| 10/05/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My father passed away in XX/XX/2020. I had been paying the mortgage till XXXX or XXXX when bank accounts were frozen after learning of his passing. Due to covid-19 it took longer then usual to get the surrogate letter done, opening up an estate bank account and so on. During this time ( XXXX 2020 ) we were receiving calls for the mortgage from the mortgage company ( Rushmore Loan Management Services ) and i explained to them every time that he had passed away and we are doing what we can with getting his estate done and once we have everything settled we would be paying the mortgage in full. Of course because i was not my father they did not care one bit what i was saying to them and continued to call harassing me for payment.
On XX/XX/2020 i faxed ( # supplied by Rushmore ) all needed information ( Surrogate letter, death certificate ) so that i can be added to the account and discuss the payout with them. XX/XX/2020 I call them again to get an update since i had not heard from them. Person i spoke with ( XXXX ) said there were no notes in the system that i had sent any information and then proceeded to tell me the fax # i sent it to he does not know where that went and supplied me with a new fax #. XX/XX/2020 i call again and speak to another rep ( XXXX ) and he states again there are no notes that any paperwork has been received. He asked me for the fax # 's i was sending them to and now i am being told the 1st number was correct and that he does not know what the 2nd fax number given to me went to.
All i want is a payoff amount so i can pay this mortgage off and close out my dads estate and move on. Having to call this company several times and keep getting the run around is crazy and it is not fair to someone trying to deal with an estate. These people have no compassion or care one bit.
Rushmore Loan Management Services XXXX www.rushmorelm.com
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| 03/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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The mortgage servicer Rushmore Loan Management Services , LLC made verbal and written promises to provide mortgage assistance.
Rushmore Loan Management Services , LLC was made aware financial hardship that I experienced with COVID-19. My income significantly decreased for a period, and I was not able to make my regular monthly payments.
Rushmore Loan Management Services , LLC started a loss mitigation process for me to obtain a loan modification to help lower my monthly mortgage payment and bring my loan current.
This process was started in XXXX XXXX and I worked with Rushmore Loan Management Services , LLC for several weeks providing document after document to only be informed on XX/XX/XXXX, that my file was abruptly closed and a sale date for XX/XX/XXXX, was entered into the system. Rushmore Loan Management Services , LLC would no longer assist me in any efforts to prevent foreclosure and I was not provided with any complete review for mortgage assistance programs.
The actions of Rushmore Loan Management Services , LLC are consistent with Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance options. This practice violates federal law ( 12 C.F.R. j1024.41 ) ; The Consumer Financial Protection Bureau XXXX which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XXXX XXXX XXXX Among other things, the rules restrict dual tracking.
Rushmore Loan Management Services , LLC has established a history of misleading practices pertaining to CFPB guidelines and the Dodd-Frank Act which I have detailed in a Qualified Written Response dated XX/XX/XXXX XXXX
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| 07/14/2021 |
Yes |
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- Trouble during payment process
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Web |
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We were in the process of selling our home and found out that we had a second mortgage that we knew nothing about on the home. We started to investigate how this happened and remembered in XX/XX/XXXXwe were called by who we thought was our mortgage company which was XXXX XXXX at that time and they asked us if we needed to get assistance on the mortgage and we said that we would see if they could assist us and the only thing that they asked us for was to send them cashiers checks for an amount and they would get back with us with paperwork but later when we tried to contact them we could not get in touch with them so we knew that someone has scammed us on a fake refinance scheme.
We never heard anything else until we saw that we had this amount separate on our mortgage. We called but the mortgage company that we have now said that the second mortgage was on there when they received it from the previous mortgage company which was XXXX. We have had 5 different mortgage companies since the origination of the loan. Therefore it is very difficult to know what when and who had a hand in this. The main concern that we have now is about our interest rate which is 5.25 percent which is really high but we were in the process of selling and did not want to refinance because of this. We are just concerned because the payments that we are making are about {$170.00} going toward the principle of the loan and {$600.00} going toward interest. We did not know this until we started to look at what was going on with this mortgage. The date for payoff of this loan is for XXXX! That would mean that we would be paying on the loan for 46 years! We have reached out to the mortgage company but we have only gotten promises that they would look into it and call us back but no one has called us about this as of yet. We believe that we have been caught up in predatory lending.
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| 11/24/2021 |
Yes |
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- Struggling to pay mortgage
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Web |
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Judgement was filed XX/XX/XXXX stating that my loan was in default as of XX/XX/XXXX. Rushmore states that the loan was in default as of XX/XX/XXXX. I entered in to 4 different modification plans I made the payments for the modifications. Despite repeated requests from the 4 Services the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and of the referee to verify the balance due I never received anything. I sent over 23 letters requesting an account verification of payments and of the amount due. In the Judgement it states the balance is {$120000.00} with a default date of XX/XX/XXXX. All the legal documents and the affirmations state the amount due as of XX/XX/XXXX is {$120000.00} and that it is accurate by penalty of perjury. accurate. They also feel that they do NOT have to give an acccounting of the payments because I had a Bankruptcy discharge and do not owe the money.
This is yet again another example of how poorly they keep records and how inaccurate their information is. First I supposedly had the debt discharged in XXXX of XXXX and again in XXXX of XXXX. I NEVER HAD A BANKRUPTCY DISCHARGE the bankruptcy case I filed was DISMISSED NOT DISCHARGED perhaps they should have better training to understand the difference. Up until recently, I could not verify any payments because what I was repeatedly sent was so small no one could read it. They admit receiving one payment, yet I have provided a copy of a check for {$2500.00} for payment on the modification. I have sent copies of electronic withdrawals from my bank account for the payments that are CLEARLY REFLECTED AS CASH PAYMENTS ON THE LEDGER. Yet they still claim no payments were received. A CANCELLED CHECK IS INCLUDED AGAIN FOR 2 OF THE PAYMENTS But they will IGNORE IT and say I have no proof despite the funds for all payments clearly shown going to my loan from my bank. PURE DISCRIMINATION AND FRAUD
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| 11/25/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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We received assistance for XXXX from Keep Youf home California in XX/XX/XXXX. Rushmore was unable to have our new payment amount solidified and did not have answers to any of my questions until around XX/XX/XXXX. They then informed me, yes informed me because I dont get any sort of monthly statement ever, that my payment which was barely decreased with that XXXX assistance would be dude XXXX, XXXX. Although we still didnt have any of the paperwork worked out. I was given a payment amount with no statement in XX/XX/XXXX. I asked and asked and begged for months to get a breakdown of how they XXXX was applied since my payment barely went down. I never got it besides a vague email From XXXX XXXX. NEver did I get that statement breakdown from Him Or anyone. Nor do I get monthly statements and I have no online access. And my point of contacts XXXX XXXX has not Returned my calls once. The arrears were In the XXXX I believe when they got that XXXX in XX/XX/XXXX. I was to start off fresh XXXX XXXX, with much lower payment and i never did find out how the excess funds were applied to the account. I preferred and asked for It to be to oncoming payments, However I didnt ever get answers, except for a vague email in XX/XX/XXXX. I always told XXXX that wasnt enough and we wanted the excess of almost 50,00 to be applied to future payments. Nothing ever happened despite My numerous requests. In XX/XX/XXXX I received a NOD for backed up Payments since XX/XX/XXXX. I just received a notice of foreclosure Sale for XX/XX/XXXX. Ever since I got the NOD in XXXX Ive been calling trying to work something out and get some answers as to how these Funds were applied from KYHC. To no avail. Ive also hasked for payoff for or reinstatement quotes with no response. These people are complete and corrupt criminals. They just want to scam people out of their homes.
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| 02/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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This complaint I'm wanting to file is about our mortgage company, Rushmore Loan Management Services. Our home was damaged in XXXX of 2020 and we had problems with our insurance company paying out for our damages. We had to hire a PA to work on our behalf. The process took almost 2 years. We sent all checks received to our mortgage company. We sent in our estimate from the contractor we hired to do the repairs. Our mortgage company sent us a check for {$40000.00} to get started on the repairs. After the repairs were completed we sent in the paperwork they required to get the remaining funds to pay off the contractor. We sent in what they asked for. They ordered an inspection and that was done virtual. The inspector said repairs were 99 % complete. After we completed the 1 % of repairs needed they sent out another inspector, this was done live. After they received the inspectors report they started saying that we needed an updated insurance estimate before they could send out the remaining funds. We have called our File owner XXXX multiple times and it has always been a different excuse every time. He takes weeks before he ever returns our calls and then he said we have enough money in damage funds to pay off our mortgage. I told him that we are not interested in paying off our mortgage because we have no problem paying our mortgage. We are just trying to get the funds owed to pay the contractors. Our home was insured with XXXX and the company has been liquidated after the hurricanes Laura and Delta so they no longer exist but he keeps insisting that we get an updated insurance adjusters estimate when that is not possible. It has been over 5 months now that we have been having problems with them releasing our funds. We keep getting excuse after excuse. I really believe that our File owner XXXX has no knowledge of his job at all.
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| 10/13/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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Rushmore Loan Management Services, through unfair violations of the FCRA, FDCPA and other state and federal regulations, continues to defraud and undermine the authority of the CFPB, FTC and other state and federal agencies. They have NOT fully complied with their obligation to respond as they have yet to provide valid documentation to substantiate the inaccurate information they have been furnishing.
Rushmore Loan Management Services has unfairly re-aged an account on my credit report and continues to update the falsified accounting without any well established justification. Rushmore Loan Management Services repeatedly responds that they are furnishing accurate data. Then, to undermine both Federal and State agencies, attach a multitude of " fluff '' documents, NONE of which substantiate their claim. Clearly, Rushmore Loan Management Services does not have any legitimate evidence to validate or they would have easily provided it by now.
I have repeatedly defended my position by submitting a plethora of supportive documents, including the series of attached credit reports showing PROOF POSITIVE that Rushmore Loan Management Services has indeed illegally re-aged this account. It is completely unfair and unlawful that I continually provide proof of burden while Rushmore continues fraudulent misconduct without evidence nor questioning.
Without well-established supportive documents, responses by Rushmore Loan Management 's Customer Correspondence Department do NOT provide one iota of validation and thus should be investigated thoroughly by all state and federal agencies for intentional fraudulent activities.
Rushmore 's harmful and undermining misconduct has gone unquestioned, unchallenged and without proof of burden for far too long. I intend to seek relief, resolution and all and any recovery that I may be entitled to.
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| 02/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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|
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Web |
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TO WHOM IT MAY CONCERN, I AM WRITTING TO YOU BECAUSE IM SICK AND TIRED OF RUSHMORE LOAN MANAGEMENT SERVICES. I PLACED MY HOME UNDER A SHORT SALE DUE TO A HARDSHIP THAT IM GOING WITH MY FAMILY.
IT WAS VERY HARD FOR US TO LET THE HOUSE GO SINCE WE HAVE NUMEROUS MEMORIES WITH OUR FAMILY HOWEVER IT WAS TIME TO MOVE ON.
RUSHMORE LOAN MANAGEMENT SERVICES AGREED TO APPROVE THE SHORT SALE SINCE THE PROPERTY WAS ALREADY ON THE MARKET. WE ACCEPTED AN OFFER AND BUYER ORDERED HIS APPRAISAL WHICH IT CAME BACK LESS THAN THE OFFERED AMOUNT.
WE CALLED RUSHMORE LOAN MANAGEMENT SERVICES AND TOLD THEM THAT BUYERS APPRAISAL WAS LESS THAN THE OFFERED AMOUNT ( XXXX ) CONSIDERING THE ORIGINAL OFFERED AMOUNT CONSIDERING THE BUYERS OFFER WAS {$610000.00}.
RUSHMORE LOAN MANAGEMENT SERVICES SAID THAT THEY WILL STILL CONTINUE TO RE ISSUE THE SHORT SALE APPROVAL AT {$61000.00} EVENTHOUGH THE VALUE CAME LESS OUR JOB WAS TO FIND ANOTHER BUYER WHO WILL OVER PAY ANDFORCE TO PAY THE DIFFERENCE.
MY REALTO HAD NO CHOICE TO PUT THE PROPERTY BACK ON THE MARKETWHICH WE FINALLY FOUND ANOTHER BUYER WHO WAS WILLING TO PAY FOR THE DIFFERNCE FROM THE CURRENT VALUE OF {>= $1,000,000} ( PER APPRAISAL ) TO THE RUSHMORE LOAN MANAGEMENT SERVICES SHORT SALE APPROVAL AMOUNT {$610000.00}.
NOW THAT WE HAVE A BUYER THAT AGREED TO THOSE TERMS, RUSHMORE LOAN MANAGEMENT SERVICES IS NOW ASKING FOR A HIGHER AMOUNT OF {$620000.00} WHICH TO MY UNDERSTANDING THEY ARE TRYING TO TAKE ADVANTAGE OF THE BUYERS. WHEN RUSHMORE LOAN MANAGEMENT SERVICES ALREADY HAD AGREED TO {$610000.00} TO SELL THE PROPERTY.
I FEEL THIS IS NOT FAIR FOR ME OR MY FAMILY CONSIDERING WE ARE TRYING TO MOVE ON AND RUSHMORE LOAN MANAGEMENT SERVICES IS JUST LOOKING TO TAKE ADVANTAGE OF MY FAMILY AND THE BUYERS.
PLEASE HELP I DONT KNOW WHAT TO DO CONSIDERING I HAVE DONE EVERYTHING TO MOVE ON.
XXXX XXXX
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| 02/08/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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This issue was reported with cfpb on Case number : XXXX and it was resolved with XXXX ( it was deleted from my credit report ). However, XXXX is reporting the XXXX mortgage with XXXX XXXX and Rushmore Loan Management Service. This mortgage is related to only XXXX property that was voluntarily surrendered and it is related to my first mortgage ( with XXXX XXXX ) that was already deleted from my reports.
I am disputing the RUSHMORE LOAN MGMT SERVICES credit item because : My property, located in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, was Surrendered/Foreclosed with XXXX XXXX. Account is reported in my XXXX Credit Report as : FORECLOSED WITH XXXX XXXX XXXX Account Number : XXXX .... Date Opened : XX/XX/XXXX Status : Foreclosed ; and also in XXXX XXXX Account XXXX as closed.
Experian Account XXXX belongs to XXXX XXXX XXXX ( which went bankrupt ) and it is a second mortgage that I had with XXXX XXXX XXXX ( XXXX Mortgage was Account Number : XXXX ) My XXXX mortgages ( XXXX for the same apartment located in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) with XXXX XXXX XXXX were account # XXXX & account # XXXX. XXXX XXXX filed for bankruptcy and my mortgages are closed. The following accounts are related to the same property located in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( collateral for XXXX mortgages as established in my Agreement with XXXX XXXX ) : XXXX XXXX Account # XXXX ( XXXX mortgage ) is currently deleted from my report.
XXXX XXXX Account # XXXX ( XXXX mortgage ) is currently FORECLOSED/SURRENDERED, but is being reported TWICE in my credit report with RUSHMORE LOAN MGMT SERVICES Account Number : XXXX Status : Open. {$9500.00} past due as of XX/XX/XXXX and XXXX Bank as closed.
Please correct my credit report since these duplicates/incorrect information is affecting my score.
Sincerely, XXXX XXXX XXXX
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| 01/25/2019 |
Yes |
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- Struggling to pay mortgage
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Web |
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Rushmore Loan Management Services, LLC XXXX | Fax XXXX ATTENTION : Loss Mitigation The REPORT OF SALE AND AFFIDAVIT OF FAIRNESS OF SALE AND TRUTH OF REPORT, recording ( XXXX # XXXX ) filed by, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX, XXXX XXXX, XXXX ( loan # XXXX ), as servicer for XXXX XXXX, XXXX, to ratify this Foreclosure Sale can not ( piggyback ) ride proceed on another on lenders filing.
Rushmore is required to obey the Maryland Annotated Code, Article Real Property, Section 7-105.1 ( c ) and the FHA Loss Mitigation Options, Handbook 4000.1, Sections III.A.2.j ; III.2.I.i. ( A ) The Sale was not FAIRNESS OF SALE must be rescinded or, this is the ( perfect ) crime to the foreclosure process with no remedies to the borrower to avoid any endeavors of resistance of illegal foreclosure business practices/activities to forbid disavow my foreclosure Rights.
I respectfully request that Rushmore " reaffirm '' agree to new contract term for a loan modification.
If the request for a loan modification is not rebutted before ratification ( Circuit Court PGC, Case Number XXXX ) of the foreclosure date, it will be deemed as an act of collusion, conversion, and conspiracy to usurp the judicial process in the State of Maryland and the FHA Loss Mitigation Options guidelines. I will enforce my Rights against any and all Banks, Servicing Cos. and/or persons who violate my Rights willfully or out of ignorance of the Law.
XXXX XXXX XXXX. : XXXX XXXX Agrees to Pay {$110.00} XXXX to Resolve Consumers Class Action Lawsuit About Unauthorized Accounts, will be employed to file class-action suits accordingly of all Parties, notwithstanding.
Under Penalty of Perjury, I have examined the statement of facts presented in this letter and to the best of my knowledge, belief is true, correct and complete.
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| 07/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I have tried on numerous phone calls and attempts to resolve the situation regarding my foreclosure. Rushmore loan management representatives are withholding information, over talk me will not answer any of my questions. Today I called with a HUD counselor on the phone to assist with the phone call and still the same rudeness from all representative XXXX was first, XXXX second, and lastly XXXX. We requested to speak with management several times and we were hung up on. The misrepresenting notes that are taken by each representative are very troubling. The miscommunication and the false claims are in an attempt to benefit Rushmore in seeking foreclosure This company will not assist me at all. I am in the process of seeking an attorney or joining a class action suit against this company or the end result will be bankruptcy I will not release my property to the scam artist. I am trying to get somebody to go over detailed questions that I have about my property and loans being transferred twice in a matter of four months also there are way too many representatives handling this case and a lot of confusion and nobody cares. I have the right to know why there were fees placed upon my account during Covid I have the right to know when my loan was purchased from the previous lenders and I also have the right to have my account on hold for 60 days which Im told is not the case because of that discrepancy with when they are saying my loan was transferred. Im also being told that my loan is not secured for 60 days from the date of transfer. There is a big discrepancy with when I was told from the previous lender as to when the loan was transferred because Rushmore is telling something totally different. This is very scary, This company is dishonest and is doing everything thing possible to help me avoid foreclosure.
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| 03/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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I called up my loan company Rushmore Loan Management during the month of XXXX they advised that they would give me a loan payment plan of 12 months and that my first payment of {$2700.00} would be XX/XX/2022 and said that I would be getting my letter to what was said and agreed as of today 's date I never got the letter and called on XX/XX/2022 and advised them that I needed a 1098 because I had no way of printing the document. As I was speaking to the rep I then find out from the rep that this was denied cause I did not make a payment XXXX I was never told to make a payment XXXX therefore how could I have known when it was agreed to pay {$2700.00} beginning XX/XX/2022 and I was never given a letter to this affect I am now told that I needed more money when it was already agreed to the amount and the payments to be paid over a 12 month period beginning XX/XX/2022. Mortgage company seems to not remember what is agreed and reps want more money than agreed in order to avoid calculating the 12 monthly payment plan. Mortgage company is keeping the customer in the dark on the status and at the last min wanting more than what is agreed in order not to do paperwork to assist customers. Mortgage company continues to keep customers in the dark with no notification of status as it is verbally agreed on a recorded call. No one wants to agree to something then be surprised, this is exactly what is happening with this company the customer can not do a payment when they are not aware of a payment then be penalized when the rep who works for the company told the customer when the next payment is going to be on the scheduled payment plan it makes the company look bad and affects the trust that customers give which now is at a all time low because the company is not doing what is said even though they are being recorded.
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| 09/22/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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After several attempts to get a modification to no avail, I was not able to get lender approval for a modification. I had no other chose but to sale my home. I never receive anything from the lender giving me other ways or options to avoid foreclosure. When I decided sale my home to avoid foreclosure, I listed my home for sale with a Real Estate Broker and later received an offer to purchase the property. I contacted the lender to let them know I wanted to sale my house and requested a short sale package. The lender representative XXXX, told me that the real estate person needed to do that and to get the SS package online. I also asked for a pay off statement to see what exactly did I owe and the lender XXXX, said that the real estate agent or escrow handles that and the lender asked me if I had a buyer and I told them that a lot of people have been looking at the house. Once I received an offer from a buyer my agent contacted an escrow company who then contacted the lender and submitted per lender request a complete short sale package ( that was googled and found online ) to the lender along with the listing agreement, purchase agreement, buyer POF, HUD statement, and occupancy certification per the lender request. I also submitted a request for relocation assistance. The file was sent to the lender for SS approval, after several lender request of documents. Which means to me they had time to review and make a decision on the SS package. I received a letter stating that the lender received the package and it was in the process of being reviewed. Waiting patiently, today I was notified that the SS was turned done without reason and the sale was not going to be postponed which is taking away my right to avoid foreclosure by short selling my home and creating a hardship by not having any relocation money.
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| 07/16/2018 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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On XX/XX/XXXX, I reviewed my mortgage deed that was granted to me XX/XX/XXXX on property : XXXX XXXX XXXX, XXXX, PA XXXX. I noticed numerous unauthorized recordings that took place without my knowledge. What caught my attention was notarization by XXXX XXXX in XXXX, Texas with a " XXXX XXXX '' signing representing Rushmore Loan Management Services, XXXX as Vice President in its attorney-in-fact & " XXXX XXXX '' signing ( on the same documents transfer ) representing as a " AVP '' of XXXX XXXX XXXX XXXX. After careful research, XXXX XXXX is VP at Rushmore Loan Mgt. Services, XXXX and affiliated with XXXX XXXX. XXXX. When I notified XXXX XXXX XXXX XXXX, the rep. did not recognize the name on file of a " XXXX XXXX '' as AVP representing XXXX XXXX XXXX XXXX. On XX/XX/XXXX, unknowingly and without notification to me, XXXX XXXX XXXX XXXX XXXX " Grantor '' transacted and recorded a mortgage assignment to " Grantee '' XXXX XXXX LEGAL Title Trust, XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, unknowingly and without notification to me, " Grantor '' XXXX XXXX LEGAL Title Trust, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX recorded a mortgage assignment to " Grantee '' US ROF II Legal Title Trust XXXX, XXXX XXXX XXXX XXXX XXXX XXXX All the companies and assignees involved XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Rushmore Loan Mgt. Servces, LLO VP- XXXX XXXX , XXXX Legal Title Trust, XXXX XXXX XXXX , XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX under XXXX XXXX, all notaries : XXXX XXXX representing XXXX as Assistant Secretary, XXXX XXXX located in CA., XXXX XXXX located Texas , and the unidentified robo-signer XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX as Its-Attorney-In-Fact. All above information is backed with verifiable documents that are current.
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| 03/04/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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ARE YOU KIDDING ME????
Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : Mortgage Issue : Struggling to pay mortgage Did I not explain clearly enough???? RUSHMORE IS CLAIMING THEY WANT $ XXXX OR SOME SUCH AMOUNT FOR THEIR INVESTOR BUT THE AMOUNT IS WAY MORE THAN THE APPRAISED VALUE OF THE HOUSE. THEY WILL NEVER EVER EVER EVER EVER EVER EVER GET THAT VALUE AS THE HOME IS DAMAGED. IS THIS CLEAR NOW?
I do not care that Rushmore answered they only strengthened my complaint and you CLOSED the complaint????????????????? Excuse me???? They basically confirmed what I said, that THEY ARE NOT ACTING IN GOOD FAITH TO EXECUTE A VALID SHORT SALE FOR THE APPRAISED VALUE, BUT INSTEAD ARE DEMANDING A VALUE THAT IS NOT SUPPORTED BY FACT, OFFICIAL APPRAISALS AND CONTRACTORS ESTIMATES.
They are going to foreclose on my house because they are behaving irrationally and rejecting solid, verified purchase offers for the official appraised price, basically covering their ears and saying " no no no no no I can't hear you '' when we say the offer is for the appraised value. There is damage to the house that XXXX was scummy enough to wriggle out of paying even though they admitted to the court that it was not our the owners fault. They are just garbage like Rushmore, acting against the consumer -- AND YOU SUPPORT THIS??? YOUR SOLE GOAL IS TO GET THEM TO JUST ANSWER????????????? WHAT THE XXXX VALUE IS THAT??????????? THEY COULD JUST SAY THEY WANT A XXXX FOR THE HOUSE. WHY NOT? WHAT EXACTLY THE XXXX DO YOU DO TO DEAL WITH A LENDER THAT IS NOT WORKING IN GOOD FAITH WITH A CUSTOMER AND IS PRETENDING A HOUSE WILL BRING IN A VALUE THAT IS PROVED IT WONT ( SEE PREVIOUS SHERIFF SALE THAT WAS OVERTURNED )??????? YOUR NAME SAYS CONSUMER PROTECTION. WHAT THE XXXX ARE YOU DOING?
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| 03/09/2023 |
Yes |
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- Trouble during payment process
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Web |
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I purchased a home with Rushmore Loan Managment Services in XXXX of XXXX. In XXXX of XXXX they offered a forebarence to me for 6 months. The forbarence said it was with HUD. Rushmore then filed the lien on the behalf of HUD against my property. Two years later Rushmore Loan Management Services transferred my mortgage account to XXXX XXXX XXXX. XXXX XXXX contacted me to advise me that they would be my new service provider and provided me with the payoff. Rushmore charged XXXX XXXX the principal balance owed and the additional {$20000.00} for the forbarence lien that was placed against my house. Rushmore did not tell XXXX XXXX what the additional charge of {$20000.00} was for and XXXX told us we had two weeks to pay it. I then tried to sell the property and was under contract with a buyer and the lien for the {$20000.00} came up on the title report from HUD. My attorney and myself made several calls to HUD and they had no knowledge of the lien and directed me to call my original bank back ( Rushmore ). HUD told me that Rushmore never submitted any paperwork to them for the Forbarence lien and that they would not be able to provide us with a payoff or discharge. Rushmore could not provide a payoff or discharge because the company said HUD filed the lien. HUD could not provide a discharge or payoff because they said Rushmore did not file the paperwork with them for the lien. I was not able to clear title and sell the property. One year later I'm attempting to do a Home Equity Loan and Rushmore was paid and will not provide discharge or any docs, They are telling me to call HUD and HUD is telling us they have no record of the lien filed and it was not filed by them. Rushmore was paid by our new service provider and admits that they received the payment but states that theres nothing they can do for us.
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| 09/20/2023 |
Yes |
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- Trouble during payment process
- Loan sold or transferred to another company
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Web |
Older American |
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Today, XX/XX/2023 I tired calling customer service at XXXX ... the system was not able to authenticate the last XXXX of my social security number. After several failed attempts to obtain my mortgage information I was told by a recorded message that the office was currently closed ( XXXX est ) and when I did not put in the last XXXX of my ss number the system indicated that it recognized me by my phone number. But, I still was not be to be recognized when I entered my account loan number or the last XXXX of my social. It appears that there is a class action law suit on this mortgage lender.
I have XXXX different mailing addresses : Rushmore Loan Management Services, XXXX XXXX XXXX, XXXX XXXX, CA XXXX www.rushmorelm.com. and Rushmore Loan Management Services, XXXX XXXX XXXX, XXXX, CA XXXX www.rushmoreservicing.com/welcome It keeps saying I was unable to find a match for the last XXXX of my social security number XXXX est They say we seem to be having difficulty, have a good day.
I was told to contact my state agency Department of Banking and Finance XXXX XXXX and send a report dbf.ga.gov to submit complaint for residential mortgage broker I called Rushmore Servicing Accessibility under the Americans with Disabilities Act XXXX. I gave him both account/loan numbers and I still was not able to get any information. I was told that I was not able to be found in the new servicer system. Still not able to obtain any mortgage information.
I contacted The consumer financial protection bureau to report this issue and was directed to this website. The problem is improper business practices by this mortgage lender that their problem has become a problem for me since I have received letter that my loan has been transferred, but the new servicer has not past account information to located me in the system.
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| 01/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
Servicemember |
|
My mortgage company, Rushmore Loan Management is claiming that i have over XXXX in late payments. I have made every payment in full since I got out of my bankruptcy case. They are claiming that I am late with my XXXX XXXX payments. My statement stated that I owed XXXX for that payment, which was due on XXXX XX/XX/2021. On XXXX XX/XX/2021 I mailed a cashiers check for XXXX to cover that payment. on XXXX XXXX they cashed that check and credited that payment to my account. I was even sent an email that my payment was posted to my account My next statement on XXXX XXXX reflected that they had received and posted that payment to my account. and, that my next payment due on XXXX XXXX was XXXX. I paid this amount via cashiers check that was posted to my account on XXXX XX/XX/2021.
On XXXX XXXX I received an automated call that my payment of XXXX was late. I tried to call them and got no answer after waiting on hold for a long time. I used their messaging service to tell them that I was not late with that payment and attached copies of the check, statements and a copy of the email that confirmed that they received my payment.
My next statement dated XXXX XXXX showed that they had removed the payment of XXXX from my account and the total due for that statement was over XXXX. ( The supposed late payment of XXXX, the current payment of XXXX and a late charge. ) I have sent numerous messages with copies of my statements, canceled check to every office that I can. With the only response that they are saying they took over the mortgage during the bankruptcy and it was two payments late. That may be true, but that was cleared up by the bankruptcy court and Rushmore and I was paying with was reflected on my monthly statements. They are not properly crediting my account and now threating me with foreclosure.
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| 09/19/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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I received a phone call from this company on XXXX and I asked for a validation of debt letter, they claim to have sent it out on XXXX, which I have not seen. Now on XXXX, they proceeded to call my employer. Someone answered the phone at my work place and transferred the call to me. I answered and repeatedly said hello, hello. I then took my cell phone out, excused myself outside in the hallway and called the number that was calling me. XXXX and spoke with a lady, she told me she was calling about a debt and I told her I have no knowledge of the debt. I immediately told her to please remove my employers number from there listing as they are not allowed to call my employer. She totally ignored me and continued talking about the debt, I then told her, I requested that they send me a validation letter and I have yet to see it. She said they mailed it out and I said I have not received anything and will they either re-send it out, and I even offered to give them my email address for faster delivery. she refused, but said they would be send out another letter. We discontinued the conversation. I thought about it and immediately redialed her number and to make sure that she understood they are not allowed to call my employer. She proceeded to tell me they would be calling wherever the XXXX they wanted until they get this resolved. I then said, well I know the law and I know my rights and I am asking you to please remove my employers numbers and not to call here as they will make me lose my job, she screamed at me and said well if you know the XXXX law well put it in writing. I came back to my desk and researched the number on google and nothing came up. I then called back and asked what was the name of the collection agency and they responded XXXX. I asked for the address and they hung up in my face.
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| 07/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
Older American |
|
Rushmore Management Services is my XXXX loan company for my home that can not find my previous payments that were made from the my last XXXX mortgage providers. Despite the fact that I keep sending bank statements, they are now trying to foreclose on my home. Back on XX/XX/XXXX, I received a Notice of Default, in which I responded and provided them with the DATES and BANK STATEMENTS to reflect that payment had been made, when then said they hadn't received payment. Because I am on Social Security and Only Get Paid, Once A Month, I pay my mortgage late, but I HAVE BEEN paying the mortgage nevertheless. Now, fast forward to XX/XX/XXXX, I received another Notice to Default. It appears as though Rushmore Management Services has been ( in the past 2 years between XX/XX/XXXX & XX/XX/XXXX ) applying ( Without my Knowledge ) my monthly payments ( that I have been making since then ) to what they claim to be the " past due monthly payments '' which is NOT CORRECT. I have sent in the Bank Statements to them ( via email & mail ) to Show that I DID Make the Payments that they are claiming are past due. Now because of this they are saying I am behind on payments and are attempting to Foreclose on my property. In addition to that, I attempted to make my XXXX payment on XX/XX/XXXX and I was told that they can not accept any more payment from me. WHAT!!! I have attached a copy of the Notices of Defaults I've received back in XX/XX/XXXX & recently on XX/XX/XXXX. Beside the dates they claim that are past due, I have written the date that it WAS INDEED PAID & I DO, have my Bank Statements to support these Facts ( again, which I have already sent to Rushmore Management Services and they STILL HAVE NOT UPDATED/CORRECTED their records ) I DO NOT want to loose my home due to a clerical error on their behalf.
|
| 04/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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THE PROPERTY IS IN THE XXXX XXXX OF DEEDS UNDER NO. XXXX XXXX : XXXX PG : 53, DOCUMENT ID NO. XXXX, WHICH IS REGISTERED UNDER THE NAME OF XXXX XXXX XXXX AND COVERS A REAL PROPERTY ( PARCEL OF LAND ) LOCATED AT XXXX XXXX XXXX XXXX, XXXX MA XXXX, CONTAINING AN AREA OF XXXX SQUARE FEET. THE MORTGAGE EXECUTED IN XXXX WAS DISCHARGED IN XXXX AS EVIDENCED BY NO. XXXX XXXX : XXXX PG : 356.I HAVE ALL BENEFICIAL INTEREST IN THE PROPERTY PER the Voluntary Alienation Deed, dated XX/XX/XXXX ( Agreement ), between me and XXXX XXXX XXXX XXXX AND all persons within this claim have willfully and knowingly interfere with our contractual obligations. The second Discharge of Mortgage in good faith was recorded on Book XXXX, Page 369, Document XXXX, at the XXXX XXXX of Deeds on XX/XX/XXXX. Please see attached filed copy of the Discharge of Mortgage on file with the aforementioned Registry of Deeds for reference. Rushmore Loan Management Services , LLC. acquired this loan on XX/XX/XXXX, while your company should have been aware that this loan was discharged in XXXX. Please be aware that fraud has no statute of limitations, and a careless or negligent act can result in liability for damages inflicted on others. Rushmore never had any rights in this matter where all debts are prepaid. Abusive practices have caused me and my kin unmeasurable amount of distress. Redress must be provided immediately to avoid any further distress. I never had a contract with theses perps. My personal property was taken with force and threats which caused us public humiliation and emotional pain and suffering. The CFPB must enforced our rights in accordance with the law. Please be advise ignorance of the law is no excuse nor defense. We are owed relief for the theft and unlawful usage of our personal property without compensation.
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| 06/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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In XX/XX/XXXX both my wife and I were diagnosed with XXXX and I ended up in the hospital, where for the XXXX few hours they did not know if I was going to live. I survived and was out of work and on XXXX for 4 months. During this time Rushmore placed us on a Covid Forbearance - which I will point out we did not request - it was offered until I could return to work. I returned to work on XXXX and attempted to begin paying my regular payments. The payment was returned along with a separate right to cure notice demanding the full amount be paid. I told them I could only begin paying a payment each month. They then put us on another forbearance to XX/XX/XXXX and then without our knowledge extended that forbearance to XX/XX/XXXX. All on the premise we are still waiting on your decision for a loan mod. I provide all the documents they required after going thru all that they tell us we have been denied a loan mod in their letter dated XX/XX/XXXX and must do a short sale or foreclosure. We are now so far behind because of their actions that we may not be able to recover and face the stigma of a foreclosure and being forced out of our home. Instead of just 3 payments behind we are now 7 payments behind because they would not let me start paying in XXXX like I told them up front I could do. We feel mislead by this whole process and seems like a veiled attempt to force our family home into foreclosure. Please help us I do not of anywhere else to turn too!! I did not attach any of the companies letters as they have copies of all of them. The modification denial letter is very confusing and the reason for denial make no sense. For exampled they listed {$0.00} income for us. I work and make {$63000.00} annually and my wife has been drawing unemployement plus pandemic pay of $ XXXX here in Missouri.
|
| 06/29/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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I faxed a complete modification packet sinceXX/XX/XXXX to Rushmore to be review for a modification. However ; they were refusing to review my packet due to having an active foreclosure for XX/XX/XXXX.I filed an emergency chapter XXXX Bankruptcy the same day of my sale date, and due to the automatic stay they cancelled my sale. Since my intentions are to keep my home, I contacted Rushmore on XX/XX/XXXX and spoke with XXXX XXXX id # XXXX he confirm my sale date was canceled, and he advised me trough a recorded called that he was sending an email to my point of contact so they can start my modification review. That did not happened when I called Rushmore again onXX/XX/XXXX I spoke with Agent XXXX she told me I have exhausted the times I can be reviewed. I told her that was incorrect because this was never told to me when I faxed them my packet. I told her the reason why my loan was not being review was due to having an active foreclosure. Rushmore is refusing to work with me, even though I have an increase of income. The last review dated XX/XX/XXXX Rushmore only used {$1400.00} as my source of income. The application I submitted onXX/XX/XXXX I am presenting rental income since I was able to rent a room in my home for the amount of {$300.00}. My income has increased and I am confident with this new source of income I will be able to be provided an affordable trial payment. my intentions are to keep my home with an affordable mortgage payment. I am tired of trying to work with Rushmore when they dont even want to review my new application. I am an elderly person and I honestly believe Rushmore is using fraudulent and deceptive practices in order to prolong my case making me fall further behind. I am asking for an opportunity to be reviewed for a modification, a fair review.
|
| 03/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
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Rushmore Loan has shared my loan status with cash buyers who call to force me to sell my condo being just 1-2 payments behind due to the COVID19 pandemic. Rushmore refuses to keep my payment information confidential. Late last year I put a password on my account so that anyone calling for information about my account would need to provide a password, but Rushmore refuses to honor my request. I did this by faxing a letter to Rushmore with the password that any inquirer must provide in order to discuss information about my mortgage account. This was done due to concerns I had when I was contacted by cash home buyers in XXXX when I had fallen behind on my mortgage. However, my mortgage is up to date and I am only 1-2 months behind. Yesterday on XX/XX/XXXX, I received a call from Rushmore saying I was 1 month behind & wanted to know if I was interested in selling my condo to a cash buyer or wanted to create a new payment plan. I was also informed that none of the payment arrangment options previously available were available now. Today on XX/XX/XXXX, I received a text from XXXX XXXX ( XXXX ) who says he wants to buy my condo for cash ( something similar occurred last year, which is why I put a password on my mortgage account ). When I checked online ( https : XXXX ), I saw that a XXXX XXXX and XXXX XXXX XXXX XXXX are cash home buyersXXXX but neither is a real estate agent in XXXX XXXX XXXX is an estate surveyor in XXXX. Rushmore Loan Managment is interfering with my right to privacy and my right to stay in my home. It could be Rushmore employees that are stealing my data for their personal benefit and selling my information to would be cash buyers. In addition, Rushmore Loan refuses to identify the name of the investor in my condo. Rushmore 's conduct is oppressive and menacing.
|
| 11/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I have an issue with Mortgage Servicer Abuse.
I have attempted for over 10 years to have my XXXX XXXX loan modified via XXXX. I have verified on several occasions that my loan is guaranteed by XXXX XXXX. XXXX misrepresented its role as investor and provided the protections offered under the National Mortgage Settlement and Consent Orders from the XXXX and Federal Reserve.
In addition, I will be mailing packets of the information to the Dept of Justice and FHFA requesting their special agents review the harm caused by misrepresentation by XXXX and XXXX XXXXe Loans for the amount owed and ownership of the debt. I have been given no less than 6 different reasons why my loan didn't qualify for modification. None of the reasons are accurate as I worked as a Foreclosure Prevention counselor and submitted every packet as required and documented. I am submitting this request with the desire to meet with someone within your office to highlight the problems. I have spoken with some congressional staff members that I would like to sit and follow this process. Mortgage Servicer Abuse is real and harmful. Over the last 10 years, my health has suffered and unable to purchase a home due to the fraudulent foreclosure filing.
Included in the packet is an outline of the note 's history, recorded Assignment of Mortgage history and XXXX answers. In a nutshell, each history records a different trail of ownership and investors. How is the average American to reconcile issues if the mortgage servicer continues to misrepresent information.
I am not asking CFPB to litigate this problem. I will handle that thru filing a Wrongful Foreclosure suit soon. My concern is for the ordinary citizen that is being unjustly impacted by bad Mortgage Servicers including XXXX and Rushmore Loan Management
|
| 05/23/2019 |
Yes |
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- Trouble during payment process
|
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Web |
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XX/XX/XXXX XXXX XXXX XXXX takes over my mortgage from XXXX on XX/XX/XXXX after 5 years with XXXX and zero issues.
XX/XX/XXXX my homeowners insurance was to be paid by the Mortgage company ( XXXX XXXX XXXX ) the money was in my escrow account {$1500.00} i was notified that my insurance was not paid because of an issue with my address. I checked my escrow account and it showed the {$1500.00} was in fact deducted from the account.
I went to my insurance agent and they in fact have never received the payment, so i paid the insurance out of my pocket and had them fax the insurance documents to Rushmore.
again i am notified that i have no insurance and Rushmore is getting an outside insurance to add to my house. again i call and have my agent fax the documents to Rushmore.
I call and talk to Rushmore and they say that it isn't their fault that the insurance was not paid, so i ask where the {$1500.00} is from my escrow account with nothing but run around from them. i tell them have the statement where the money was withdrawn from escrow and it was never paid. it still does nothing to help my case.
I pay a lawyer to advise me, and he tells me to send the documents return receipt requested. and i in fact do send them the insurance documents on XX/XX/XXXX and i then get the return receipt back that they signed XX/XX/XXXX, and still they add insurance at {$41.00} a month. and Rushmore still says that it was added because i let the insurance expire?
They are charging me {$310.00} a month to my escrow account and the only things they pay are {$41.00} for their added insurance, {$50.00} for taxes and {$92.00} for PMI. which i asked them to drop because i have kept up my payments for 6 years, and they replied no because i had let my insurance expire. which was actually them.
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| 02/02/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
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My loan was transferred to a new servicer Rushmore Loan Management Services. I have received a loan modification packet from Rushmore Loan Management Services and have submitted all documentation they have requested to them fax. Im in review but my foreclosure sale date is still showing online as active on XX/XX/2019. Im scared and do not know what to expect from the company. Im working with them but do not know if they are willing to do the same and follow the California Homeowners Bill of Rights Act.
Here is some information from previous servicers and what has happened.
I received a loan modification package from XXXX XXXX with a proposal trial period payment for 3 months in the amount of {$3600.00} which is around {$1700.00} over the amount i used to pay before to XXXX XXXX XXXX. My payment was {$1900.00}. How can i afford to pay more then what i couldn't pay before in the first place?
I have spoken to a lot of my close friends who were in the same situation as me and around the same loan amount and property size, they have received a very good loan modification of around {$980.00} a month, another friend received a loan modification in the amount of {$660.00} a month. How can this be that they are receiving loan modifications to help them stay and pay for their home while i can not even get a close amount to my old payment of {$1900.00}?
Please help me as this is getting out of hand and Im worried for my family and losing my home to this banking scam. It seems to me that they are just transferring loans to get away from giving out a loan modification.
I have sent Rushmore Loan Management Services my full Request for mortgage Assistance package and they have received it with no error. But while in review I still show that the sale is scheduled and coming up.
|
| 08/31/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Foreclosure
|
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Web |
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Rushmore along with XXXX XXXX XXXXXXXX is serving as trustee for XXXX XXXX XXXX XXXX XXXX XXXX is attempting foreclosure on my property with unclean hands and fraudulent assignments that dates by as from mid XXXX XXXX XXXX is well known ROBO signer signed the assignment as an attorney in fact dating XXXX fraudulently conveyed the first assignment. The assignment was created after the cut off date of the first trust filed with United States securities exchange. The polling and service agreements section 201 clearly states that all mortgages had to conveyed 90 days prior to the cut off date. Some of these assignments are fraudulent ( XXXX XXXX ) and fraud cant be the basis for obtaining a deed. The ROBO SIGNER XXXX XXXX was apart of both Federal and State Court cases. You can google her name and see the fraud her signature was involved in. The Vice President that signed are not bank presidents. They are simply ROBO signers. I sent a XXXX XX/XX/XXXX and they havent responded. I sent a notice of default and I havent received a response. I requested the reinstatement amount to become current. It was sent to me but the figures were acknowledged by Rushmore to be incorrect. There were fees that were paid on XX/XX/XXXX. Any time a loan is reinstated all fees must be paid in full. I asked that the fees be corrected so i could have to correct amount to send them. I was told they don't have time to make the correct adjustments before the foreclosure date.
I was also told that even if i did submit a modification package, the investor would not accept it because i had a previous modification. In that last modification my payment went UP by over {$400.00} and my interest rate increase by XXXX XXXX. I was told take it or leave it. I thought a modification is supposed to help you.
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| 06/24/2018 |
Yes |
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- Trouble during payment process
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Web |
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XX/XX/2018 our FHA loan was transferred from XXXX XXXX XXXX to Rushmore Loan Management. XX/XX/2018 I attempted to pay my loan online through a one time payment in the amount of {$1400.00}. It had still not come out of the account and on XX/XX/2018, it was shown to be returned. But, it NEVER came out of my bank account. I called them and tried to rectify and pay this on XX/XX/2018. AGAIN, it showed to be paid on XX/XX/2018, but never came out of my account. I was finally able to get it paid after talking to them on the phone on XX/XX/2018, even though it was shown to still be paid online at the time. It had not come out of my bank account and I was worried. On XX/XX/2018, it was returned from the payment done XX/XX/2018. This was a payment that never came out of my bank account.
I have set up automatic payment during the month of XX/XX/XXXX and I verified with customer service online that I had it set up correctly. A letter dated XX/XX/2018, was mailed stating that per my request my automatic withdrawal is to be cancelled. I did not ask for this. There is no record of this.
I sent the payment through XXXX XXXX online with their bill Payee system upon returning from a trip on XX/XX/2018, once I realized my automatic withdrawal had not come through. It went through immediately.
Rushmore Loan Management is making it impossible to keep my on time payment record and is fraudulent in how they are operating my account. They cancelled my automatic payment. And they are not helping to ensure I can pay this. On XX/XX/2018, a letter was mailed asking for a revised fire insurance policy. I have not changed my policy since the loan transfer to Rushmore in XX/XX/2018. They are requiring insurance above what is necessary for my area. My policy is through XXXX XXXX XXXX XXXX.
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| 09/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Hi, my name is XXXX. I'm contacting you because my elderly mother has run afoul a bad situation.
She has been trying to pay her mortgage through XXXXXXXX XXXX, and they have stopped taking her payments ; I have proof of this. I also have proof that she has contacted the company, and they have refused some of her payments because, they claim, it won't bring her account to balance, but they have neglected to show how much it would cost to bring the account to balance.
They have also refused her payments without specifying a reason. She has tried to contact them, and reached a person named XXXX XXXX. XXXX XXXX claims that no payments have been made, but that is not true. I have proof.
My mother has also run her credit through two bureaus, and both show that she does NOT have outstanding payments, but XXXX claims that they will place the property into foreclosure.
This is the strangest thing I have ever come across. If I owe a credit company or bank money, they'll take whatever payment I can make -- with late fees and such -- but they won't refuse money.
I am trying to make sure my mother won't lose her property. Can you please help? I have paperwork, replies, and copies of payments attempted.
I believe the media is more powerful than lawyers, which is why I contacted XXXX XXXX, and we think you can help us. Would you be willing to look at what I have? Thanks in advance.
P.S. They claim she owes XXXX grand for the property but on the credit report, it shows she owes nothing. Which is it?
We don't know. Please help us. I am XXXX. She is almost XXXX and retired. We don't know what to do.
We have some money and would like to square things away, but XXXX seems bent on refusing money. I will provide all the paperwork we have, which is substantial.
Thanks again.
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| 10/08/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My name is XXXX XXXX. My mortgage was transferred by XXXX to Rushmore Loan Services for no obvious reason. My Rushmore loan account number is XXXX. One : It has been XXXX ever since. Rushmore has REFUSED to provide me a COMPLETE amortization schedule covering the life term of the loan from 2018 to the end despite all my requests. Twice they sent an incomplete amortization schedule feigning ignorance. Two : Rushmore has REFUSED to adhere to the stipulated amount in the amortization schedule. I wrote them twice to stick to the amortization schedule but to no avail. They believe in arbitrariness since they wrote me that the amortization schedule was ONLY a guide. They took ALL my first payment as their interest with zero credited to my principal. I did NOT engage their services. All pleas for explanation fell on deaf ears. Contrary to their amortization schedule for a loan balance of {$47000.00} their stipulated interest is about {$200.00} but this XXXX they have decided to collect about {$300.00} as interest. I have lost about {$2000.00} to their unwary antics and unscrupulous means. Three : since the inception of my loan with XXXX and then XXXX I have been handling my XXXX XXXX Property tax and AliefISD tax by myself but Rushmore decided to add it to my Escrow account. I wrote them thrice to leave it out but they have chosen to ignore me. Now my fixed monthly payment of {$540.00} is being disrupted because Rushmore has refused to follow simple instruction. My fixed monthly payment of {$540.00} is being diverted to a suspense account with a contrived late payment charge of {$15.00} and even letter of threats to report me to the credit agencies. They have deducted about {$30.00} late payment penalty for this. Your assistance or intervention is urgently needed.
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| 05/27/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have an escrow account and Rushmore loan services is the debt collector, since late XX/XX/XXXX. I have paid extra within XX/XX/XXXX and the new year on principle. I called XX/XX/XXXX to inquire why Rushmore had not received my monthly payment and why escrow was increasing. I was told that my home owners insurance was increased. I contacted my home owners insurance company ( XXXX ) XX/XX/XXXX and was told that I no longer have a home owners insurance with them due to failure to pay XXXX dollars in XX/XX/XXXX. I was told that they had notified me as well as my servicer that the amount was outstanding. ( I had contacted my insurance company to increase my insurance due to neighbor having dead tree leaning towards my property in XX/XX/XXXX. Neighbor cut tree down and I called the insurance company XXXX back in XX/XX/XXXX and they agreed to reduce policy to what is was before ). I spoke to a XXXX manager called XXXX and informed her that I was not notified of termination of homeowners insurance and that I would have paid the XXXX dollars had I known. I asked XXXX to reinstate my homeowners insurance that was terminated due to lack of payment of XXXX dollars. I was told I needed to do a new contract and this contract is XXXX dollars more a year than my old contract.
My mortgage company appeared not to have been notified of termination of my home owners insurance or else they would have paid!? XXXX told me that Rushmore does not need to pay it is up to me to pay. I would like to get out of the escrow account and pay my own taxes and insurance or have a responsible debt collector who will not forget payments while increasing my escrow amount. I am a first time home owner who has been taken advantage of before and is in need of assistance.
Thank you for your help.
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| 11/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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The following is a chronological order of my account 1. XXXX Mortgage was serviced by XXXX.
2. In XXXX of XXXX an escrow was originated for property taxes only, insurance paid through our condo master policy.
3. XX/XX/XXXX property taxes paid of XXXX leaving a negative {$230.00}.
4. XXXX and XXXX escrow payments cleared up negative leaving an actual balance of XXXX going into new year.
5. XX/XX/XXXX loan transferred to XXXX XXXX. All year XXXX {$230.00} per month contributed to escrow for taxes.
6. XX/XX/XXXX A FINAL ESCROW ACCOUNT DISCLOSURE STATEMENT SENT TO ME FROM XXXX SUPPORTING THE LAST 4 MONTHS OF THE LOAN ESCROW.
( ATTACHED ) 7. Monthly escrow payments all year XXXX to XX/XX/XXXX x {$230.00} / {$2700.00} 8. Then after XXXX paid the XXXX taxes of {$2600.00}, they claimed a deficiency of {$2000.00}.
9. I have been disputing this calculation beginning XX/XX/XXXX.
10. XX/XX/XXXX, the loan was transferred to Rushmore Loan Management WITHOUT clearing up the dispute.
11. I had to start all over again with Rushmore and to date my exact dispute questions have not been addressed and after months of letters and phone calls I can not get a simple explanation as to why there is a deficiency.
12. In XX/XX/XXXX, Rushmore notified me that they were raising my mortgage payment some XXXX monthly.
13. Now my XXXX taxes are due and there is a large deficiency again, Not sure how much.
This account has been switched 3 times in 18 months and as of the XX/XX/XXXX I agreed with the final escrow from XXXX. Based on this baseline established, my contributions should have been enough for property taxes, maybe a small adjustment for annual increase but nothing like what I am being told.
I have attached the final escrow statement from XXXX which was the baseline.
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| 05/15/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XXXX XXXX has made every single monthly payment since receiving a TPP and permanent modificatio n, but Rushmore keeps improperly saying that she is a month behind. Rushmore has sent her a mortgage statement and default n otice indicating she is a payment behind when she should be current. ( Ex. A. and B ). XXXX XXXX received a XXXX XXXX Trial Period Plan ( TPP ) with payments of {$1500.00} beginning in XXXX XXXX from her previous servicer, XXXX XXXX . ( Ex . C ). S he made 3 timely TPP payments for XXXX , XXXX and XXXX of XXXX . While waiting for her permanent modification documents, she made TPP payments for XXXX , XXXX , and XXXX . After she mailed in her XXXX payment, she found out that the servicing of her loan was being transferred to Rushmore. She then continued making TPP payments to Rushmore for XXXX , XXXX and XXXX XXXX . After she made her XXXX XXXX TPP payment, she received permanent modification documents from Rushmore in dicating a higher monthly payment of {$1900.00}. ( Ex. D ) Following the terms of her permanent modification, she signed and returned the documents, and began making payments of {$1900.00} starting with the XXXX XXXX payment. Although her XXXX payment was initially returned, her attorney sorted this issue out, and Rushmore accepted both her XXXX and XXXX payments of {$1900.00}. XXXX XXXX was notified she needed to sign new permanent modification documents in XXXX , but the payment remained the same. She signed and returned those documents in XXXX . ( Ex . E ). She made her XXXX , XXXX and XXXX payments in the amount of {$1900.00}. Attached as Exhibit F are copies of every single check XXXX XXXX has paid from XXXX XXXX to XXXX XXXX .
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| 08/31/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Payment process
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Web |
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I discovered In XXXX of XXXX that one of my contractual monthly payments of {$2100.00} were misapplied to escrow account. I have been asking them to reverse this and correct it since then and they have failed to do so. This caused my 1098int to be in error as well. The 1098int showed I only paid {$370.00} in property taxes but in reality XXXX XXXX records show I paid in {$2500.00} which is big error. The amount misapplied over funded my escrow and this year ( XXXX ) they are claiming my escrow account was short and in the most recent Mortgage Statement they have increased my escrow by $ XXXX and are asking me to pay additional $ XXXX which is the shortage amount and my previous escrow was $ XXXX in XXXX and now its {$820.00} for XX/XX/XXXX statement. I am at this point requesting an audit of my account with Loan Servicer as they have never corrected the issues and are now demanding more monies from me. I have done some basic math for escrow and adding both of my Insurance 0f {$3600.00} and taxes of {$2500.00} give or take {$15.00} which comes to total of {$6200.00} divided by 12 equals {$510.00}. If there is a deficiency in escrow it should be calculated into future payments and not be billed all at once is the first concern, second is that my escrow account was over funded by {$2100.00} how can this be deficient. My account serviced by Rushmore Mortgage needs to be audited from XX/XX/XXXX and forward so basically last two years because of misapplication of payments. I also have been charged late fees for all of their errors and not reversing the misapplied payment. I have all of my notes every time I called in and who I spoke to and what I was told date and time stamped. Please Help as they have continued to say account is correct but yet it is not.
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| 11/05/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Presently asking to have the support with the monies in escrow immediately released to present roofing company that performed the work and must be paid and must help me to complete my closing XXXX XXXX to provide a noc termination. My closing is late and monies held against my many requests to release these monies to pay roofing company that has completed the project. Monies are to be released immediately and w my request to have a copy of this protected escrow agreement is to be respected too.
I have no copy of the agreement and have asked this many times and asked to be released to the contractor {$19000.00} + {$9000.00} to XXXX XXXX immediately Have been asking to have this completed more than 2 months. This is monies that is insurance monies and the work has been completed and we have been previously asking to have this pretty much 2 months beginning XX/XX/2019.
The {$6500.00} is to be credited to my payoff to close my loan XX/XX/2019.
The bank has been holding on to at least {$40000.00} close to 2 years in a protected account and I have asked to have the agreement on the account protected escrow and where has the interest been on this monies. The people at Rushmore Loss Draft keep on pushing me from person to person without any cooperation and have been many times requested to release the payment in to the roofer and to put monies that are above this in my payoff {$6500.00}. This was to be completed XX/XX/2019.
This is now late and my payoff {$120000.00} was to be completed then. They are holding on to my monies and putting more monies on me and I have asked the to work with me and now my home is in a vulnerable position and they are sending this in to have a court date of my home to be sold on XX/XX/2019.
Please help this is very serious.
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| 12/30/2022 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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On or about XXXX, XXXX XXXX sold my 2nd mortgage/line of credit to Rushmore Loan Services . Since then, I have had nothing but problems with the company. Below is a synopsis of my complaint : 1. When I obtained the original line of credit ( LOC ) from XXXX XXXX, my property TAXES were EXCLUDED from the contract. I was responsible for paying them directly, which I was. I had made arrangements with my County Tax Department and was making payments directly to them.
2. Just before COVID hit in XXXX, Rushmore changed the terms of the LOC and without warning, took over paying my taxes. As a result, my payment went from approx. {$300.00} per month to {$1000.00} per month.
XXXX. EVERY attempt to get Rushmore to consider a loan modification did not end in my favor. They refused my last request at modification in XXXX of XXXX.
4. When I attempted to again work out a payment plan, ( I called in XX/XX/XXXX ) I was told I didn't make enough money and that I needed to sell my house or they would begin foreclosure proceedings.
5. I asked if I could make payments toward the back amount due ( {$8000.00} ) in addition to attempting to make my regular payment of {$1000.00}, they REFUSED stating they could not accept payments of ANY KIND until the back balance of {$8000.00} ) was paid in full.
According to the FBI website, " Predatory loans manipulate borrowers into accepting payment terms that are exploitative. They're used by unscrupulous lenders to extract more money through high interest rates or fees theymy original loan obtained my XXXX XXXX. As a result, I am asking that my property taxes be turned back to me so I can pay them as I was. This would then allow me to make lower monthly payments to Rushmore so that the loan could be paid off more quickly.
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| 10/10/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Mrs. XXXX applied for a modification w Rushmore loan management. She applied several months ago n has submitted all the required documents. As time went on they ( rushmore ) kept requesting more n more documents saying the previous ones were outdated. Mrs.XXXX complied n submitted the reqired updates. I ( XXXX XXXX ) called rushmore numerous times to ask for updates n to ask if anything else was needed. Sometime in early XXXX i reached out to rushmore knowing that the 37 days prior to the auction date was nearing n talked w XXXX she identified herself as the processor handling the file. She told me on or about XX/XX/19 that all necessary docs were in n that she was going to move the file to the next phase for approval.keep in mind this was still 37 days prior to auction date. On or about XX/XX/19 i reached out to rushmore bc i hadnt received the loan modification requirements for mrs.XXXX n was told i needed to speak w XXXX, who was the underwriter n she informed me that even though everything requested was in, that Rushmore hadnt sent out an approval letter to mrs.XXXX n it is now too late to stop the auction bc it was less then 37 days until auction date. Mrs.XXXX more then qualifies for the modification has submitted all necessary documents n because rushmore hasnt generated the approval letter in a timely fashion they are now going to decline her application n sell her home. This is beyond unacceptable. I ask that you please intervene on Mrs.XXXX behalf n allow her this opportunity to modify her mortgage. Rushmore has been playing games w this file for months.i believe they are doing this bc they know MrsXXXX 's property has equity. My name is XXXX XXXX i have been assisting mrs.XXXX with her modification. My phone number is XXXX Thank you
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| 09/11/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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Web |
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The Rushmore Loan Company purchased my mothers loan from XXXX XXXX XXXX in XX/XX/XXXX with monthly payments of {$830.00} due. In XX/XX/XXXX, my mother passed away and I assumed responsibility as co-signor for the remaining debt of approximately {$24000.00} in which payments of {$900.00} to {$1000.00} have been made consistently on a monthly basis. In XX/XX/XXXX, I received notice from Bankruptcy Court that Rushmore wanted to request a motion of relief for delinquency. I contacted Rushmore immediately and was told that XXXX payments were missing during the XXXX time frame. I explained that I had no knowledge of delinquent payments and could I work out a payment plan to include adding any missed payments to end of loan. XXXX XXXX Rushmore Relationship Manager gave me XXXX options to pay the delinquency plus fees. Option XXXX is payment in full. Option XXXX is Repayment Plan for a short period of time. Option XXXX was for a loan modification. I was told that I would also have to pay for the additional fees associated with this loan. The fees were for a Lender placed Fire Insurance Policy ( not in a fire zone according to FEMA ) and {$1100.00} for the monthly home inspections and analysis of property. I have not received any contact from Rushmore until today XX/XX/XXXX regarding any delinquencies. I also feel the adding of the Fire Insurance Policy is not in standing with FEMA for Georgia. This property is not in a flood or fire zone and is covered completely by Homeowner 's Insurance Policy. There has not been any contact with the owners concerning the monthly home inspection and/or analysis. The charges for corporate fees and insurance would fall into the Predatory Lending Practices for inadequate disclosure along with inflated fees and charges.
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| 10/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
Servicemember |
|
As of XX/XX/2018 my mortgage was sold from XXXX XXXX to Rushmore LC company. I was out of state made my payment by logging in to system ( XXXX ) and paid XXXX on XX/XX/18. I started to get collection calls from XXXX telling me its a attempt to collect a debit. This Is when I realized My mortgage had been sold. I was told not a problem it will sort itself out all payments will be wired over with my loan information. I returned to GeorgiaXX/XX/XXXX tried to set up and log into Rushmore new lender to make my XX/XX/XXXX payment. System reflected I still owed for XX/XX/XXXX. So I called in was told just make my XX/XX/XXXX payment I did not feel comfortable with that so I went to my XXXX XXXX and mailed money orders writing in the XX/XX/XXXX month in memo. So it was clear what month I was paying for. I continued to do this to date XX/XX/2018 calling in, sending in e mails to be told over and over by Rushmore people or it will fixed it self our research team is on it / I have just escalated your account. Blah blah blah ... .. It is XX/XX/XXXX and I go to log in to pay for XX/XX/2018 payment to see it has still not been fixed. I have sent in my XXXX XXXX statements as proof from my bank in the mean time I have been getting harassing collection calls. I believe it is reporting late payments on my credit reports. I need help on getting this situation fixed. I do not know who to reach out to for help they say they see the payment and yet no one has fixed my account. I also had a homeowners insurance overpayment from XXXX during this time that could have been refunded to me but instead I asked XXXX to go ahead and send it back to my Mortgage lender as a escrow credit. Which I don't believe has been applied properly either in the amount of {$220.00}.
|
| 07/10/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
Servicemember |
|
I previously filed a complaint against Rushmore through CFPB Case Number XXXX. Rushmore closed the complaint out with a reply, but the reply does n't make sense and leaves all our issues unanswered. The following are in Rushmore 's own words under quotation that prove that they are not being straightforward : 1 ) The {$44000.00} .. is the amount comprised of thirty-one past due principal payments. ; This amount would need to be added to the current unpaid principal. Obviously, if you add principal payments on top of unpaid principal then you are trying to collect principal twice.
2 ) Rushmore advised you that the investor did not approve a modification outright ; Rushmore is unable to provide you with a breakdown of the modification terms because it has not yet been underwritten.. If these are true then we need to wait till the modification review is complete and the modification is definite. Why are you asking me to pay money upfront on a trial stipulation that will not prevent foreclosure? What will so suddenly change after the trial payments? I clearly see this as an attempt to collect money and still force foreclosure.
3 ) Rushmore has acted in good faith and is in full compliance with all modification regulations ; At this time, the loan is still in modification review status. How can you be in compliance and still be in modification review status?
I need clear written answers to above so Rushmore and I are on the same page with regards to this modification.
4 ) IMMEDIATELY : Rushmore needs to immediately send us the check for {$1600.00} so that the roofing contractor can be satisfied. If the roofer puts in a mechanics lien which he is now entitled to put ; the entire modification process will be compromised.
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| 05/24/2021 |
Yes |
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Web |
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My mortgage is with Rushmore Loan Management Services. It is a FHA loan. I was in the care act program with several months of Forbearance. I was told by Rushmore that the forbearance payments will be " floating '' or " silent '' which they explained will be added to the end of the loan which gets repaid when the home is sold or refinanced.
I got out of forbearance and started making payments. My lender mentioned to me that with the increase of value of my home, that I made over 3 payments after forbearance ended, and with low interest rates, I can refinance to a conventional loan resulting in much lower and affordable payments. I submitted the application, got approved, and was going to close on the loan BUT information for the closing was withheld and did not get sent to the lender for over 60 days. Now I find out that there is a 2nd lien for the forbearance which was not part of the deal. There was never documentation or approvals for this 2nd lien. The largest issue right now is that my lender is being told by XXXX, HUD, that I can only refinance to another FHA loan and must have mortgage insurance. This was never part of the deal, never a requirement, and I believe is violating federal law. The forbearance amount is around {$15000.00} and there is no reason to require this. Its not in the care act and is very unusual.
During a pandemic XXXX HUD, and FHA should not be forcing people into higher payments when lenders are willing to give a fair loan which would greatly help families and home owners. I have a lender who approved me for a conventional loan which would reduce my monthly payment $ XXXX. XXXX and HUD need to only care about being repaid. They have no business preventing me to refinance to a better loan program!
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| 01/13/2021 |
Yes |
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- Struggling to pay mortgage
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Web |
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This complaint is in regards to not receiving answers to the questions that I had/have surrounding this account ; XXXX This account was transferred to my current servicer ( Rushmore Loan ) in XX/XX/XXXX, from the previous servicer ( XXXX, now known as Community ). At the time of transfer, I was and still am being assisted by a third party that is currently payment my mortgage ; XXXX XXXX of Illinois. What I believe that has happened is that XXXX participated in fraudulent activity ( withholding funding to escrow to forward to my new servicer ).
These actions placed the account as a deficit which has increased my mortgage payments from {$650.00} to {$950.00}. I have tried repeatedly to have answers on how to bring the account to the point where the payments are back at {$650.00}, I have not received any options at this point. There is absolutely no way that I will be able to afford the new amount of {$950.00}, and I have said this repeatedly. I have withdrawn the mortgage insurance, it will no longer be escrowed. I was told that it couldn't be done, due to the recent modification. However, no documentation was provided to confirm that statement.
A second mortgage in the amount in {$5600.00} that is due in XXXX is currently being reported on my credit reports. I inquired as to why this was happening, and again, no answers.
My final payment with XXXX XXXX will be XX/XX/XXXX. At that point, I will be left to deal with Rushmore Loan Servicing alone. I need resolution, immediately. This situation is a complete nightmare, it almost appears as though Rushmore wants a delinquent account for submit for Foreclosure.
Also, my account is with the Loss Mitigation Department and I do not know why. No one has informed me of anything.
|
| 06/30/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
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Web |
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On XX/XX/2020, I received a Notice of Assignment, Sale or Transfer of Servicing and a welcome to Rushmore Loan Management Services. The letter also stated Rushmore 's attempt was to meet my loan with efficient, prompt, and courteous services. However as I stated to correspond with Rushmore Loan Management I discovered their services was of deceptive, false, and misleading information. In speaking with an employee of Rushmore. I was advised their company was a mortgage company. I informed the employee on the phone that the paper work I recently received indicated they were not a mortgage company but a debt collection. The employee assured me their company was a mortgage company. Also the letter dated XX/XX/2020 never identified Rushmore of being a debt collector organization.. I find the whole letter dated XX/XX/2020 as misleading, confused wording, and false representation and vague information. After several e-mail communication about the servicer of my loan, I was mislead again. On or about XX/XX/2020 after I requested information about my current mortgage holder via e-mail. On XX/XX/2020, I received an incomplete, vague, misleading letter from Rushmore with information about XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, NY XXXX. On or about XX/XX/2020 I requested specific and detailed information about XXXX XXXX XXXX. The information was denied because I never received the specific detailed information. On XX/XX/2020 I received a notice of assignment, sale or transfer of service right to XXXX XXXX with XXXX XXXX another new debt collector. My house is not in preforclosuer and each time a new debt collector has my loan the payment amount is different and another debt collector goes on my credit report. seeking
|
| 02/20/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
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Web |
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In XXXX of 2018 my HELOC loan was transferred from XXXX XXXX to Rushmore loan services. I have made my monthly payments through my bank bill payment system as I always have on time. In the month of XXXX the company decided to hold my payment, then I made my XXXX payment they held that payment as well. I called in XXXX when I realized my perfect credit score was affected by this company. Confused as I have made my monthly payments every month on time I call them. They then tell me my name was different, my address is different, then tell me they are holding my payments because it was not paid on-time in XXXX or XXXX plus I had to pay some inspection fee for someone coming out to my house. My bank shows this loan check to have been cut & cleared my bank account with XXXX XXXX. When I completed the paperwork with XXXX XXXX I've always used my current last name " XXXX '' because that's my drivers license legal name. Then I ask to speak to a supervisor to explain the issue they begin to tell me I can not speak with a supervisor I need to write a letter. I write the letter send it off & they still have not completed the investigation two months later. Then I look online for XXXX bill amount as my monthly fees have changed with Rushmore every single month but with XXXX XXXX it did not even though it was a Variable rate contract. The rep give me a different amount explaining because this month has less days I am charged more if the interest rate per my contract. This just does not make any sense to me at all. i have been a homeowner of two homes & have never been so wrongly treated as I have with XXXX loan services. It is not fair as a customer to pay for there mess ups. This company needs to be investigated & shut down for good!
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| 01/30/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My concern involves how my escrow account is being handled by Rushmore Loan Management Services. My property 's flood zone was updated by FEMA which no longer required me to carry flood insurance. I cancelled my policy with my insurance company in XX/XX/XXXX and contacted Rushmore to remove the flood insurance policy from my escrow account. I mailed in the cancellation documentation at Rushmore 's request. They confirmed receipt of this documentation and a customer service rep told that they would remove the flood insurance from my account and when an escrow analysis was done at the end of the year, my payment would be updated and I would be refunded for the funds that had been escrowed for my flood insurance. Instead, when the escrow analysis was done inXX/XX/XXXX, flood insurance was not removed and an account disbursement was noted for payment of flood insurance that was never billed. A customer service rep confirmed for me that funds were taken out of my escrow account to pay flood insurance but would not tell me where the funds went since there was no flood insurance bill to pay to the insurance company. I was told it would take 30 days for the funds to return to my account and then they could consider doing an escrow analysis to update the escrow account, refund me for overages paid and adjust my monthly payment. Upon further review of my incorrect escrow analysis, I grew more concerned when I noticed that myXX/XX/XXXX payment to my escrow account was not accounted for on the analysis. It seems that instead of reconciling my account and investigating why flood insurance was still a line item on my account, Rushmore conducted fraudulent activities to justify carrying and collecting an illegal surplus of escrow funds.
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| 09/18/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XXXX loans purchased my loan XXXX of XXXX they have not been able to get any of the information sent to me correct. Payment dates, terms etc. My loan is a bi Weekly adjustable rate mortgage. The rate changes bi weekly and the payment is recalculated on an annual basis for the terms of the payment. During the year my principle payment can go up or down based on the adjusting rate. The biggest problem started on my annual payment recalculation. My interest rate dropped by .12 % yet they dropped my payment by XXXX dollars a month. The loan was originated 20 years ago on a balance of about XXXX resulting in a biweekly payment of roughly XXXX prior to the adjustment. The adjustment came in and they dropped my biweekly payment to XXXX. This all happened in XX/XX/XXXX. The paperwork they sent shows my loan which had around 150 months left to pay now shows 339 months and the new payment reflects an amortization schedule in the same realm. They have changed my loan terms and extended my loan out over 10 years. In no way is this acceptable to me. I have been trying to get accurate information from Rushmore for over a year. Nothing they send ever reflects the current and accurate status of my loan, from payment terms, dates, amounts and now loan length. I have another identical loan from the original bank that I can track side by side to show these amounts are incorrect and Rushmore is in violation of Respa and will not do anything to fix the issue. I am currently on my 4th " Loan review '' with the same answers that everything is on track and correct. I have loan statements for this property and the identical property with the same loan still serviced by XXXX XXXX for over 15 years. I can provide side by side comparison if needed.
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| 06/04/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I originally refinanced my home back in XXXX of XXXX, with an XXXX XXXX XXXX XXXX fixed/variable rate loan. This loan was to be eligible for an adjustable interest rate re-lock every five years, contingent on borrower ( me ) maintaining good credit and repayment record. When my loan was transferred to XXXX XXXX ( due to XXXX XXXX being purchased ), XXXX XXXX respected these terms and offered me a rate renewal lock at the end of my first 5-year period.
Fast-forward another four years, and now XXXX XXXX has left the mortgage loan business and handed my loan over to Rushmore Loan Management Services. I am almost at the end of my second 5-year term of the loan, and I spoke with Rushmore on Tuesday, XX/XX/XXXX, to verify that I would in fact be offered a rate renewal at loan-term maturity. I was told " We don't do that '' and instead was directed to download their loan modification application from their website, a multi-page document requiring very detailed information regarding every aspect of my finances -- clearly a new loan application that would require going through an extensive underwriting process.
Frankly, I don't care to apply for a new loan at this time, or go through a refinance loan, either. I am current on all of my payments, and have maintained a spotless repayment record throughout the entire term of my loan to date. My credit status has also maintained a very high rating. I have a perfectly good existing loan, and I see no reason why my loan 's original terms and benefits should not be honored and upheld. I am very disappointed that a mortgage service provider should arbitrarily decide to change a customer 's existing loan when they have no right to do so.
Thank you for your attention to this matter.
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| 01/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My XXXX with XXXX was ending and I wanted to pay off the balance in full. I attempted to contact the company both via telephone and via the online message center in my account several times. I was told over the phone that XXXX would send me the pay off amount information but I never received a single document despite my repeated attempts. Concerned about missing a payment, I continued to send payments to XXXX in the interim because I did not want there to be an issue. XXXX sent the payments back to me and still did not send me any pay off information for my mortgage.
XXXX then proceeded to accuse me of missing payments despite the fact that my payments had been sent in and subsequently returned, and they reported it to the credit bureaus. This is absolutely unfair because XXXX failed to provide me with the amount and payment information to pay off the loan which I requested several times. I wrote a letter to XXXX requesting that they please cancel the missed payment report sent to the credit bureaus considering this was XXXX 's fault and they refused stating they were not in the habit of doing that. As soon as I received the pay off information many weeks later, I proceeded to pay off the loan entirely. This is absolutely unfair. I had never missed a payment in the past and XXXX 's incompetence and significant delays have negatively impacted my credit score. I am currently renovating my home and late mortgage payments in the last 12-months kill my chances of getting a loan. I respectfully request that you please expedite this process as I am being punished for something I did not do. I can provide a copy of the letter we sent as well as screenshots of the messages I sent to XXXX requesting the pay off instructions.
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| 05/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I was in a Covid-19 forbearance with my prior servicer, XXXX. After my forbearance expired, my advocate submitted a modification application to Rushmore via email on XX/XX/XXXX. We received no acknowledgment of receipt of the application, other than an automated email reply. On XX/XX/XXXX, my advocate sent an email to the same address provided for submitting applications, inquiring as to whether the application had been received. There was no response to this query, other than a similar automated email reply. My advocate called Rushmore on XX/XX/XXXX, and the customer service representative informed her that the application was complete and was " with a processor. '' Today, XX/XX/XXXX, my advocate called Rushmore and the customer service representative informed her that the application was still " with a processor. '' My advocate stated that Regulation X 's time frames for reviewing the application had been exceeded, and the representative disagreed, saying that the application had been deemed complete only on XX/XX/XXXX. Setting aside for the moment that, if that were true, Rushmore still had missed Reg X 's deadline for making a decision on the application, my advocate observed that while Rushmore had never acknowledged receipt of the application, as Reg X requires be done within five days of receipt, neither had it requested additional documentation or information, and no additional documentation or information had been submitted in support of the application since the application was submitted on XX/XX/XXXX. Accordingly, the application was complete when submitted, and review of it should have been completed by XX/XX/XXXX. The Rushmore employee simply told my advocate that she could submit a complaint about it.
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| 12/20/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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On XX/XX/2018 the senior loan processor handling my refinance contacted Rushmore Loan Management services requesting a payoff quote for XX/XX/2018. Rushmore did not respond. The loan processor then submitted additional requests that were ignored. On XX/XX/2018 I contacted Rushmore by phone to request a payoff for XX/XX/18 and was told that it would be sent by fax to the loan processor and to me by mail ... it was not. XX/XX/2018 I contacted Rushmore again and was told it would take 24 to 48 hours, then told 3 to 5 days. and told a manager would put a rush on the request and it would be faxed within 24 hours ... it was not. On XX/XX/2018 I contacted Rushmore to find out why they had not sent the payoff quote was told it would be faxed within the day ... it was not. I was supposed to close on my refi on XX/XX/2018 and was not able too, it was rescheduled for XX/XX/2018. On XX/XX/2018 I contacted Rushmore and was told again the same lies. The payoff quote was not faxed again to my loan processor. XX/XX/2018 at XXXX XXXX and XXXX XXXX I was told that the payoff quote would be faxed to my loan processor within an hour by and consumer service person and a manager. It was not sent. During this entire time the loan processor continued to contact Rushmore and had similar results as I had. The processor from the title company handling the closing also attempted to obtain a payoff quote from Rushmore with no success. Today, XX/XX/2018 I am suppose to close for the second time but can not because Rushmore will not send a payoff quote, I am beyond frustrated and concerned that the date on this loan is going to expire and I will have to get a new loan and the interest rate will be higher. Rushmore is causing me financial harm.
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| 01/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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We had been applying for a modification with the original lender, XXXX XXXX, but then they sold the loan to a thieving deceitful company, Rushmore. We fell behind because there was severe damage caused to the house over 2 years ago by a pipe bursting ( not due to our actions we were not held at fault ) but XXXX refused to pay and we used all our money to save the house. The lawyers knew XXXX was wrong but they won anyway, not because they were right ( they finally came to court prepared to pay ) but the judge got " impatient '' with them and dismissed the case!!! So this disgusting company Rushmore is XXXX bent on foreclosing. They are snakes. We had been trying to reach them for months because the mod was not complete with XXXX XXXX, and XXXX XXXX told us just give them that last piece of info on hazard insurance to Rushmore. No Problem. Then we call Rushmore and find they have moved the foreclosure date from XX/XX/XXXX to XX/XX/XXXX, no reason, and have not allowed us to short sell which XXXX XXXX did allow. We had the 37 days required but they did not call us UNTIL IT WAS TOO LATE. Our realtor calls them every day now asking for a little extra time to short sell the house but they wo n't call back. They are forcing us to foreclose because it benefits them. We have been told that Rushmore has no interest in working with customers but makes their money on foreclosures. If this is not resolved and we are not given the few days we 're asking which would allow a short sale, we will take this to Federal court and all consumer agencies online and elsewhere. This is deliberate destruction of a consumers credit. I have now used both my adjournments to move the foreclosure date first to XX/XX/XXXX, then to XX/XX/XXXX.
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| 05/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX, XXXX, mortage company made unauthorized payment to DC Tax Authority. XX/XX/XXXX, I forwarded via text and email, the letter I received from the tax authority defering my payments to Rushmore. They acknowledged receipt and did not forward payment in XXXX of XXXX. However, in XXXX of XXXX, they did not adhere to the Deferral and paid the tax.
I have tried since then, every way available, phone conversation ( s ), email, text, use of their internal database, to give the instructions as to how to have those unauthorized taxes paid, returned to them. I phoned DC Tax Authority to seek instructions as to how to retrieve their unauthorized payment, they gave them to me, and I forwarded it to Rushmore. Apparently, they have chosen not to follow instructions.
Everytime I call them to try and resolve this problem, they seemed to understand the situation, and I was told it was researched and being processed.
I receive " robo '' calls, since XX/XX/XXXX, and to this day, at a minimum of once a day, and as much as three ( 3 ) time a day harrashing me about a simple matter they have been instructed on how to resolve.
During the last conversation I had with their representative in their Personal Property Tax Division, ( which should be recorded, as well as all the other calls ) I told her of my fear that Rushmore would take the actions, that they have since taken, and posted something with the Credit Reporting Agencies, since it has taken them so long to resolve their problem, and make it mine. She informed me that that would never happen because this was not an issue of a late or non-payment of mortgage, and could not be reported as such by Rushmore.
They have reported me late on my XXXX mortgage and I was not.
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| 05/23/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Since the day XXXX XXXX XXXX sold my loan to Rushmore XXXX XXXX , they 've been trying to take my house. My payments had just been recalculated before my loan was sold, Rushmore wanted a much higher monthly payment and left the responsibility to me to get a copy of the escrow report. They would n't accept any payment for 3 months until this escrow paper was confirmed, therefore trying their hardest to get me behind. They knew XXXX have given me a loan mod, forgiven half of my principle, therefore I had equity and they would get a chunk of money by foreclosing. It did n't work then, however now I am behind, they 've sued for foreclosure, wo n't accept my offers of repayment, and are very rude. The guy I have to talk to sounds like he 's XXXX yrs old, he does n't seem to know much at all except how to bully me into paying everything at once, or going through with foreclosure. I had a settlement conference on XXXX XXXX XXXX . I offered to pay {$1500.00}, asked if they could defer to the back of the loan the remaining of what I 'm behind. About {$1000.00}. They said no, and told me instead of the {$2500.00} I owe them, ( The statement I received in the mail today XXXX XXXX XXXX says I owe {$2500.00} to bring current. ) they now say I have to come up with well over {$5000.00} to bring my loan current even though my statement says {$2500.00}. I Do believe they are just trying to bully me, and scare me so I will let them foreclose. I work from home and can make my regular monthly payments of {$280.00} but they wo n't give me a chance. They also know I am so close to getting my XXXX but wo n't work with me at all. And I believe there are some legal and ethical issues going on here.
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| 10/04/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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I am the administrator of my late mother 's estate ( death certificate and my appointment attached ). At the time of her death and at the time of the modification in question, my mother had been declared incompetent, and the XXXX of Ky. ( " XXXX '' ) was acting as her legal guardian.
My mother 's mortgage was owned by XXXX and serviced by Rushmore. Rushmore had initiated a foreclosure, but with my uncle 's assistance my mother avoided the foreclosure by securing a HAMP modification ( attached ). The XXXX signed the modification on my mother 's behalf.
The modification provides several different dollar figures : * Original Loan Amount : {$100000.00} * Unpaid Principal Balance of the Original Obligation Secured by the Existing Security Instrument : {$94000.00} ( para. 4.P. ) * New Principal Balance : {$120000.00} ( paras. 3.B. and 4.P ) Neither the XXXX official who signed the modification on my mother 's behalf nor the XXXX 's attorney who reviewed it and notarized it understand how Rushmore arrived at these figures.
I have repeated asked Rushmore for an explanation of these numbers and the differences between them ( attached ), but they have yet to provide any answers.
The house is now under contract, and we hope to close in late XX/XX/XXXX. Rushmore has provided a payoff amount of {$130000.00} ( attached ).
I question how Rushmore added another {$32000.00} to the Balance of the Original Obligation to arrive at the new Principal Balance and whether these additional charges are consistent with the HAMP program. I need them to reply quickly so that we can resolve this issue prior to closing.
The account at Rushmore ( # XXXX ) is currently being handled by XXXX XXXX / XXXX XXXX XXXX XXXX / XXXXXXXXXXXX.
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| 07/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I have had ongoing problems attempting to modify my loan. I have mailed in the documents several times- but somehow some documents were received- but other documents were missing, although they were sent in together. I filed a complaint and in XXXX was assigned to a rep to help me with the process. The sam thing has happened, I send documents in, but Rushmore tells me to resubmit a document bc they sent me an old version etc. They never seem to have all my documents, I have to remind them and reference when they were received. It is so unclear and I am having a difficult time hearing back from anyone. I was denied for missing documents, which I sent over & over and for a XXXX from that they made an error in the one I was sent. The rep would ask me to send in on teh spot, but some documents I could not bc I mailed them in, such as statements, that I could not print. I do not have access to a printer that is mine to use. They have requested the same explanation over and over about my business taxes in writing, I send it in and they confirm it received and then as for it again. My rep emailed me and said that I need to contact him urgently, FOUR days asking for the same document again. I emailed and called back, it has been over a month, no reply. While I am working with the rep on my modification & turned in all REQUESTED docs, I am served w a notice of default and put in foreclosure. I ask the rep about a National Disaster forbearance, because my place of employment/residence were in a declared national disaster area inXX/XX/2018 & he has no idea what that was, how to go about it, if I could apply or not. I know this is confusing, but that is why I am so worried. I feel like I am getting the run around.
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| 06/18/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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My wife and I refinanced our home in XXXX, our new mortgage was purchased/serviced by Rushmore Loan Management Services. we have our payment set up with an escrow account and such which the mortgage company pays direct to the town for taxes and to our insurance company. we have had nothing but problems with this company since they took over our loan. our first payment was ALMOST late because they kept telling us that our account setup was under review and thus we could only pay by check. thankfully we were able to pay on time. then the big problem just happened this past week. we get a letter in the mail from our town saying our taxes are delinquent. well we have been paying our mortgage on time and they have been collecting the escrow money.
I called the company to find out what was going on and they said that " someone put a hold on your escrow '' and so I ask who and why and they said " we dont know who did it or why but thats why it hasn't been paid ''. to which I responded ok, well fix it. they said it has to go through a review process. in the meantime the delinquency is accruing penalties from the town. so I pointed that out to them. they said that they have to investigate if it was my fault and can not guarantee they will cover the penalties. I dont understand how that is possible. all I do is pay my bill like I am supposed to do. they made the mistake. and now they are telling me the investigation will take until XXXX to complete, in the meantime my taxes are not paid and they have the money in the escrow to pay them. at this point im at a loss, ive been a home owner since XXXX, never had a late payment never had an issue with our old company but Rushmore seems like they are a scam company.
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| 04/24/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We had to file a chapter XXXX in XXXX due to unemployment. After filing the chapter XXXX, both my husband and I found steady employment. Since the filing, our mortgage was sold from XXXX to Rushmore Loan Management Services. We received the notification from XXXX about the sale, but never anything from Rushmore. I sent in the first payment to Rushmore, from the information received by XXXX. I never received anything from Rushmore after that payment was made. I ceased payments, and sent a letter requesting to know if they still service my mortgage. No response from Rushmore. XX/XX/XXXX we receive a notification of foreclosure from them. I contacted my attorney for the chapter XXXX, who in turn contacted Rushmore 's attorney. A stipulation was agreed upon and filed XX/XX/XXXX. Since the stipulation, we have been making the monthly payments. On XX/XX/XXXX, we received a notification of default. Rushmore was claiming that no payment had been made since the stipulation. I sent copies of my cancelled checks to my attorney, who forwarded them on to their attorney. Today, XX/XX/XXXX I received notification from my attorney that Rushmore is still claiming that we are in default, after seeing the cancelled checks. They are now looking for an ungodly figure to be paid by Friday, XX/XX/XXXX. XXXX, or they will file the notice of default. They have been strong-arming even though they are in the wrong, just to get more money. I feel this is a very fraudulent act on their part and need to be put out of business. We are not the only ones who have been affected by Rushmore this way. I have attached a copy of the stipulation, XXXX XXXX XXXX complaints and reviews, the notice of default, and emails from my attorney.
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| 05/18/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Attention to XXXX XXXX : LOAN # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX , Florida XXXX Borrowers Name : XXXX XXXX XXXX To : XXXX XXXX , Single Point of contact of Contact of Rushmore Loan Management Services LLC. On XXXX XXXX XXXX , we faxed the complete package to your Company requested a Loan Modification, which include the following documentation Authorization release information copy of the Mortgage statement, Rushmore Borrower Assistance Application c ompleted and signed, XXXX AND XXXX Income taxes return, 2 months of paystub, 2 months of Bank Statements and Utilities bil ls. The Fax confirmation on that day at XXXX XXXX with 57 page s and also at XXXX XXXX also 57 pages as well. On XXXX XXXX XXXX , we received a letter from Rushmore Loan Management Services LLC. Indicated received documentation for a Loan Modification assistance and review On XXXX XXXX XXXX , we received a new letter from Rushmore Loan Management Services LLC, indicating that were unable to offer Loan modification because The complete home Retention package was not received more than 37 days before the Foreclosure sale. Sale day XXXX XXXX XXXX . On XXXX XXXX XXXX , we communicated with XXXX XXXX XXXX , confirmed received the documentation and he requested again the financial documentation because that quality was not the best. On XXXX XXXX XXXX we emailed him the following documentation : Tax returns, Paystub, Bank Statements highlighting rental income, Homeowners Insurance, Lease contract We kindly request to re view this resolution based on the facts that we present and allow us to continue with the process.
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| 05/05/2021 |
Yes |
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- Trouble during payment process
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Web |
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Original loan was with XXXX XXXX what transferred are sold to Rushmore mortgage company before my first payment was due XXXX XX/XX/XXXX I bought the house in XX/XX/XXXX I sent in my first payment as schedule to Rushmore Mortgage Company end of XXXX soda my first payment for XXXX would be definitely on time I made my XXXX payment I made my XXXX payment at the end of XXXX and that make my XXXX payment at the end off XXXX I made my XXXX payment the same time the end of XXXX my XXXX statement came with the extra amount that I owe {$5000.00} I contacted Rushmore loan company in XXXX when the bill keep coming for the extra {$5000.00} I wrote them a letter I spoke to them on the phone I was told I would go over my account they send me a check for {$700.00} because I was making extra payments to my account at the time even though they send me a check for excess amount they did not resolved my account for that {$5000.00} they are demanding for me I went to XXXX XXXX XXXX and ask for copies of all my payments I make extra copies and I send it to Rushmore with a letter of explanation showing all my payments include my present payment for XXXX XX/XX/XXXX yes I get no results in in resolving the extra amount being demanding on my mortgage statement in XXXX of XXXX I call Rushmore again try to resolve my account I was told that my payments were missed applied and I asked for my account to be corrected Rushmore is sending people to put notes on my door I save those envelopes as proof up to this point my account has not been resolved I contact the legal aid senior hotline asking for help I am still trying to get this resolved I can not sell my house I'm so frustrated right now because my account is not correct
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| 10/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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In XXXX XXXX XXXX I was offered a forbearance plan by my loan service company, XXXX XXXX XXXX XXXX I accepted the assistance with the understanding that at the end of the forbearance period, which was left open due to the Covid-19 Pandemic, I would simply be able to resume payments and that all payments that were skipped would simply be moved to the end of the loan contract.
Soon after, only a few months, my loan servicing was taken over by Rushmore, the company mentioned above. This company allowed me to extend the forbearance until I requested by phone in XXXX of XXXX to allow me to resume payments. This request was refused and I was told that I would have to submit financial documentation in order to resume payments.
I complied and finally on XX/XX/XXXX, received a letter from them denying my request to resume. This letter, dated XX/XX/XXXX, states that I have 14 days from that date to list my home for short sale in order to avoid forclosure. By phone, Rushmore 's customer service representative stated that my only alternative would be to make up all of the payments that this Forbearance plan allowed me to skip and then I could resume payments. This appears to me to be some sort of predatory lending scheme in order to take my home from me.
My home is worth nearly double what is owed on it and I do not want to sell.
I have attached copies of Rushmore 's Determination Letter, My appeal to Rushmore, and my request for all documentation from the original loan up to this denial letter. I want them to send me copies of every document in their file on my loan including the original loan papers from the original lender, all loan transfers and everything that contains my signature or initials.
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| 10/31/2022 |
Yes |
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- Trouble during payment process
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Web |
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The worst thing that has ever happened to me in my entire life was my home loan being sold to XXXX XXXX. The second worst thing was XXXX XXXX committing fraud and giving me a false late payment on my credit report. My loan was sold early this year. In XXXX of XXXX I used my banks bill pay system to make my mortgage payments. The address used XXXX unbeknownst to me In XXXX of XXXX XXXXXXXX XXXX reported a late payment on my credit report causing me to loose over XXXX points. I had began using bill pay via my bank and my bill pay check was sent to their alternate address instead of their main address where they process payments. My bill pay was sent to XXXX XXXX XXXX XXXX XXXX, TX XXXX. I called them many times to explain this over & over to different people. I kept getting the run around & none of them understood me or would get my story right. I would get cut off & they would tell me so this is what you mean- & still get it wrong. They kept putting me on hold for sometimes up to 45 minutes at a time & then would say we will send you a letter with our decision. Each time they dismissed me & refused to remove this false late payment off of my credit report. I am demanding the company to do the right thing, resolve this issue, and repair my trust with this company & remove the late payment from my credit report. Yes, as soon as I contacted my bank & XXXX XXXX, & learned that my payment was sent to one of their wrong addresses I immediately sent payment out to the company - & began trying to figure out a way that we can remedy this minor mistake to no avail. This is frustrating & has caused me to miss out on things that could financially assist my family & I. I want this false information removed
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| 02/25/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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REquest a new signle point of contact as soon as possible.
Rushmore continue give us a lazy, careless, unprofessional single point of contact ( SPOC ) for my account, I think Rushmore just want to foreclosure my property and make more money than want to help me, most SPOC Rushmore assign to my loan they did not do their job, they make it hard for everything, when I submit the loan mod they have many reasons not review them or they said that missing doccuments, Rushmore people think that thay above the law, whatever they treat borrowers the GovermentS, Authority Agencies, the Federal Deposit Insurance Corporation ( FDIC ), the Comptroller of the Currency ( OCC ), the Federal Reserve System ( FRS ), the National Credit Union Administration ( NCUA ) the Office of Thrift Supervision ( OTS ), will not know, View all links
customers talk about them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now they have another SPOC his name is XXXX XXXX, his office in California his phone number is XXXX, he said that my last payment is XX/XX/2016, Rushmore did not receive any payment from me from XX/XX/2016. That is not true, here are attached payments until it overdrawn when Rushmore increase payment from {$2900.00} to {$11000.00}. Moreover XXXX XXXX refuse to talk to my representative XXXX, even he did not know what he's talking about " he said that my last payment is XX/XX/2016, Rushmore did not receive any payment from me from XX/XX/2016 ''. Rushmore recorded the conversation, please review it for yourself. I am extremely disappointed and I do not know how to deal with Rushmore, they do not want to help the borrowers.
I really need a new SPOC, I can not work with XXXX XXXX. Please help!!
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| 07/26/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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It is with great frustration and desperation that I write to you requesting that you please help me out. I have provided several packages of my financial documentation to XXXX XXXX to no success. My loan now is serviced by Rushmore loan management and also to no success. I have provided in the last 2 months two full loan packages with all my updated information from me and my brother who is the co borrower on this loan to Rushmore.
I have provided a package on XXXX/XXXX/2017 and another full package on XXXX/XXXX/2017.
About two years ago our lives became a nightmare, when suddenly we were both Silverado and I left without a job at the same time.. It was then that we began to struggle. Unfortunately we defaulted on our mortgage. However, we immediately contacted XXXX XXXX and advice them of our situation and provided our financial documentation as requested it by them. We immediately began to search for jobs.
Our main interest was to get a job so we can retain our home. These were circumstances beyond our control. All we were requesting was help for a short period of time.. Six months after this horrific situation we found jobs.
We needed a work out plan that will keep us from foreclosing and avoid further delinquencies.
Rushmore has advice that they will not consider our package for we did not presented the package before 37 days of the sale day. Our home has a sale day of XXXX XXXX, 20 17. Please hear me out I need to keep my home.
We both have worked very hard and had never defaulted before..
I am asking that Rushmore allow us a chance to proof them different.
I understand that you will review my complaint expeditiously based on the explanation of my complaint and information provided.
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| 01/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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Rushmore Loan Management Services serviced our mortgage. The account holder is my deceased husband. On XX/XX/XXXX, I, the surviving spouse, sold the property which carried a mortgage serviced by Rushmore Loan Management Services. When I sold the property, there was a remaining Escrow Balance held by Rushmore totaling {$480.00} that is owed to me after the debt was resolved from the sale of the home. On XX/XX/XXXX, I had confirmed with an agent that my name was added to the account and a check would be mailed to me, under my name. However, we received the check issued to my late husband, which we can not deposit. Therefore, we re-engaged with Rushmore, speaking with another agent. At that time, they requested we send the check back to Rushmore, as well as writing a letter and signing it, stating I am the executor for the account. We provided that on XX/XX/XXXX. We didn't hear anything until XX/XX/XXXX, where it was stated the letter we provided was not sufficient. We again contacted Rushmore and spoke with a Customer Service Supervisor ( XXXX XXXX on XX/XX/XXXX. He confirmed additional documentation was needed, but was unable to provide what that documentation needed to be. After our call, I proceeded to provide a copy of an attorney prepared, signed, and notarized Affidavit of Heirship and Corroborating Affidavit used to sell the home in the state of Texas. A week has passed and nothing has been resolved with Rushmore Loan Management Services. We still have not received confirmation on what documentation is required, or if the documentation provided was sufficient to collect on the remaining Escrow Balance after speaking with two different Customer Service Supervisors on XX/XX/XXXX.
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| 08/28/2023 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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According to the Fair Debt Collection Practices Act as amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) 15 USC 1692e 807 : - False or misleading representations ; a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt.
My mortgage servicer, Rushmore Loan Management Services LLC violated the law when in XXXX of XXXX, it issued a mortgage reinstatement quote stating the status of my loan as in active foreclosure however this was a false, deceptive, and misleading representation of the loan 's true status.
My mortgage was never in active foreclosure. According to the state of Maryland, my state of resident where the property is located and where the mortgage loan was originated and deeded, an Order to Docket ( OTD ) is the first official filing of a foreclosure action in court. It may also be called a Complaint to Foreclose or Notice of Foreclosure Action.
Rushmore Loan Management Services LLC did not at any given time, past, present or future file any action in any court of law for a foreclosure proceeding on my property however the company issued documentation, claiming otherwise in connection with the collection of the debt.
This false and deceptive misrepresentation of the status of my loan caused undue stress, distress and XXXX and is an aggressive and manipulative debt collection tactic that not only violates established public policy but is also unethical and unscrupulous.
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| 04/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I applied for a loan modification and a file was completed 37 days before the sale date. A representative from XXXX took a personal interest which was negative and denied the file while we were on the phone with him. He was stating there was one item missing. We called back the same day and sent the document to a supervisor who stated the file never should have been closed and she would try to reopened it, which she was unable to do. The representative who denied the file is XXXX XXXX XXXX he was very rude and denied the modification stating we were under 37 days, although this was not true it was day 38. We then filed a complaint against representative. The supervisor stated they will call me back to let me know if XXXX supervisor will reopen file and stated it was denied in error. Our complaint also stated to remove XXXX XXXX from the file. He was no removed. We went to court to have the court move the sale date which was approved and we submitted the loan modification a second time. XXXX XXXX failed to even open the file until after the 37 day rule had passed, making us ineligible for a review. This is unfair how one representative with a bad attitude and a need to hurt others should be allowed to make a decision that no one can fix.
I then filed a complaint with the CFPB and the file was opened. A fast and incorrect review was conducting and I was denied within days as Rushmore stated I did not have enough income. My income was more then enough. My debt ratio was under 25 %. I explained to them that they left out half of my income in the file. I then sent an appeal which was denied days later because the sale date was " too close '' as the rep stated to me over the phone.
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| 06/24/2019 |
Yes |
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- Trouble during payment process
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Web |
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My mortgage was transferred to Rushmore in XX/XX/XXXX from XXXX XXXX XXXX XXXX. I have an ARM Mortgage with the original loan amount of {$450000.00}.
There are 3 issues : 1. Payment History I was concerned about the principal and interest amount being charged by Rushmore so I asked them for my payment history. I was told they only have my history as of XX/XX/XXXX, I contacted XXXX XXXX who said that everything was transferred to Rushmore. I would like to see my payment history since XX/XX/XXXX when I first acquired the loan until today, This will allow me to see the interest rate, the principal and interest payment., All of this information is with Rushmore and I have been asking for this information for nearly 2 years.
2. Principal and Interest The principal and interest being charged is high. When I first got the loan the interest rate was over 7 % on a principal balance of {$450000.00}. I can not remember the exact payment amount but I think it was about {$2700.00} including escrow ( this is why I need my payment history ). Today the interest rate is 6.125 % and the principal balance is {$360000.00}. Yet the principal and interest is higher than when the interest rate was 7 %.
I will be able to provide specifics if I could get a copy of my payment history. The current calculation is wrong and is making my payments unaffordable. This has resulted in me being unable to pay.
3. Notice of Intent to Foreclose In the District of Columbia, a Notice of Intenrt to Foreclose is typically send 120 days after the borrower has stopped paying the mortgage. Here, Rushmore the note is 45 days past due, I plan to call Rushmore to work out a plan but the Notice of Intent is premature.
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| 01/31/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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Rushmore Loan Servicing paid the wrong property taxes for my property in XXXX of XXXX, accoding to XXXX XXXX of the XXXX XXXX XXXX XXXX XXXX they returned the check as they noted it was for the wrong parcel and for the wrong amount. Rushmore never took any action to contact myself or the township to ensure the property taxes were paid.
On XX/XX/XXXX I was notified that the taxes for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was late and that it needed to be paid prior to XX/XX/XXXX or the house would go into a tax sale.
I contacted Rushmore on XX/XX/XXXX they stated they would have it rectified in 10 business days.
I contacted Rushmore tax dept ( XXXX ) again on XX/XX/XXXX they stated that I needed to check back the next week and it still hadn't been completed.
I called Rushmore again on XX/XX/XXXX after seeing that the taxes were still not paid on my onilne account. The rep " escalated it '' and stated that it would be handled by XX/XX/XXXX.
I caled Rushmore for the fouth time today on XX/XX/XXXX and the rep again in the tax department stated it was unpaid and that the taxes were still not paid.
At this point my property is most likely going to a tax sale, due to a complete lack of execution for a company that has three jobs, collect my money, pay my insurance and pay my taxes. Furthermore, this should have been rectified in XXXX of XXXX when the tax check they sent was returned to them.
Their info is included below for your records.
XXXX XXXX Rushmore Loan Management Services LLCXXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX Rushmore Loan Management Services LLC XXXX XXXX XXXX XXXX XXXX
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| 08/15/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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This is a REBUTTAL of XXXX XXXX 's Answer to my Case # ' : XXXX XXXX XXXX XXXX., not in it 's individual capacity but solely as " trustee '' for the XXXX Trust, Series XXXX states that they are " NOT THE APPROPRIATE PARTY TO ADDRESS MY ISSUE ''.
Well, If XXXX XXXX does NOT want to be involved, WHY then did they file a FRAUDULENT PROOF OF CLAIM via their attorney, XXXX XXXX XXXX in my Federal Bankruptcy Case, stating that they were the 'CREDITOR, AND NOTE OWNER AND HOLDER " of my Deed of Trust, and Note, that secures my property. They are HELPING / ASSISTING Passively, as a " XXXX XXXX '', as " Trustee '' .... for the Servicer, Rushmore Loan Management Services LLC. to FRAUDULENTLY, ILLEGALLY AND CRIMINALLY STEAL MY HOME ON XX/XX/XXXX!!
SO TOO BAD XXXX XXXX, THAT YOU DO NOT WANT TO BE INVOLVED!! BY YOUR PASSIVE AGRESSIVE ACTS YOU SURELY ARE INVOLVED, AND GUILTY OF CRIMES AGAINST US!!!!!!!!!!
NO MORE EXCUSES!!
I DEMAND THAT YOU STATE, HERE AND NOW, THAT YOU ARE NOT THE " CREDITOR '', HOLDER OF MY NOTE, HOLDER OF MY DEED OF TRUST, NOR ARE YOU THE TRUSTEE FOR THE XXXX TRUST, SERIES XXXX '' WHO IS ATTEMPTING TO ASSIST IN ILLEGALLY STEALING MY HOME AND ENRICHING THEMSELVES.
DENY YOUR ROLE, RIGHT HERE, RIGHT NOW, IN THIS CASE - DENY BEING THE 'TRUSTEE '' FOR THE XXXX TRUST, XXXX XXXX REGARDING MY NOTE/LOAN # XXXX.
SWEAR, UNDER PENALTY OF PERJURY, THAT YOU HAVE NO INTEREST IN MY HOME LOAN/DEED OF TRUST, ECT ... AND THAT YOU ARE IN NO-WAY ASSISTING RUSHMORE LOAN MANAGEMENT SERVICES LLC., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, OR ANY OTHER ENTITY IN FORECLOSING ON MY HOME ...
DENY THAT REPRESENT XXXX XXXX XXXX. AS TRUSTEE FOR THE XXXX TRUST, SERIES XXXX.
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| 02/05/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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|
Web |
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This is the SECOND COMPLAINT against RUSHMORE LOAN MANAGEMENT SERVICES, LLC, XXXX FORECLOSURE and many, many others that you will see in my attatched documentation.
We are being ILLEGALLY FORECLOSED ON by Rushmore Loan Management Services LLC, XXXX Mortgage for the XXXX XXXX, XXXX XXXX ( illegal trust! ), XXXX Bank XXXX XXXX, XXXX Foreclosure XXXX on XXXX/XXXX/XXXX.
After submitting our last complaint in XXXX XXXX - NOTHING was accomplished!! We are STILL BEING ILLEGALLY FORECLOSED ON!! In California, we do NOT get the LUXURY of DUE PROCESS, and we CAN NOT take our case before a judge. Only if we have the XXXX +++ to do so. We do NOT. So, I ask you, CFPB, besides writing a little letter to these CRIMINAL ENTITIES, WHAT ARE YOU GON NA DO ABOUT THE CRIMES COMMITTED AGAINST US??????? I am submitting to YOU today, ALL DOCUMENTED FRAUD on our original loan documents, that Rushmore and XXXX feels that they have the right to use to ILLEGALLY FORECLOSE ON US!! I am sick and tired of submitting ACTUAL PROOF OF FRAUD AND OTHER CRIMES to Government Agencies - who by the way, take our hard earned tax payer dollars, and all they do is tell us that they CAN NOT help us! WHY NOT????? Let it be KNOWN, LOUD AND CLEAR, FOR ALL TO HEAR, that the Government Agencies that we go to for help, TURN THEIR BACKS ON US HOMEOWNERS, and let the BANKSTERS and their PARTNERS IN CRIME get away with STEALING AMERICAN CITIZEN ( and others ) HOMES!!! SEE ATTATCHED DOCUMENTS FOR MY COMPLAINT HERE ... ... AND I WILL MAIL YOU HARD COPIES OF THEM ALL ... ... ... .I HOPE YOU ACTUALLY GO AFTER RUSHMORE, XXXX, XXXX XXXX XXXX FORECLOSURE AND ALL THE REST THIS TIME ... ... ... ... ... .... I WILL NOT HOLD MY BREATH.
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| 04/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
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Hello, Our loan carrier ( Rushmore Loan Management ) has owned our loan since XXXX. The loan has been owned previously by multiple carrier 's before Rushmore. Since acquisition of the loan, Rushmore has not complied by the law that was put into effect in XXXX called the Garn-St Germain Act.
Under this law, the mortgage company can not force the due-on-clause sale if a parent ( who's name was on the loan ) becomes deceased. The mortgage company must provide a chance for the heir 's to be able to pay the mortgage at the same payment the parent had, especially if there is a transfer-to-child execution in which the child is stated on the title has joint tenant. The mortgage company must automatically offer same payment without the need for assumption/loan modification, etc.
Since acquisition, Rushmore has not executed the law of XXXX. They have not given us notice about acquiring the same payment without hassle of offers ( Loan modification, assumption, etc ).
In the past, Rushmore has explained that in order to get back on track, we would have to put down $ XXXX with payments close to {$7000.00} which is completely absurd. As well, our last statement sent to us stated the acceleration amount close to {$400000.00}. The original payment was around {$2300.00} a month.
Recently, we filled out a loan modification to adhere to their standards and for the sake of the estate and trying to save our mother 's home. But, we are trying to understand why we have not been offered the original payment as stated by law since acquisition.
Even the CFPB stated that the mortgage company can not pursue due-on-clause after parent 's death. In XXXX, the CFPB stated the interpretive rule.
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| 03/25/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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|
Web |
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We feel like we are being scammed out of our home. Rushmore Loan Management Services and law firm XXXX XXXX XXXX, XXXX. are trying to foreclose on our home. We completed a chapter XXXX discharge in XX/XX/XXXX. Neither of them had nothing to do with the bankcruptcy process. After the discharge was complete we started getting contact from Rushmore Loan Management. We told them that we owed them nothing and reported this information to our attorney. They tried to bully us into a modification. We said no. They sent us paperwork anyway saying we had a modification ( attached ) .XXXX again, we informed our attorney. Later we got a letter from XXXX XXXX XXXX saying they would foreclose and kept getting information saying we owe money from Rushmore Loan Management ( attached ).
We received a lettter from XXXX XXXX XXXX saying that our house would be sold on the courthouse steps on XX/XX/XXXX ( attached ). On Monday XX/XX/XXXX someone from XXXX Foreclosures left a notice on our door. ( attached ). We did not get any legal documentation saying that they had went through the court system. Since they were not part of the bankruptcy process, we can not understand how they got the right to foreclose or modify our home previous home loan. We want it handled properly. We do not want to owe them or any one else any money when this is all over. We think this is a scam or they would have went through the court system for a proper foreclosure. Original home loan was with XXXX mortgage and then transferred to XXXX Mortgage ( attached ). Something is not right about the way this entire process is being handled.We want the federal and local law involved if a foreclosure is going to occur
|
| 02/06/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My mortgage was transferred to Rushmore Loan Management Service LLC on XX/XX/XXXX from XXXX XXXX XXXX. I was at the end of Modification with them when it was sold. I received letter from Rushmore saying they are going to honor the modification XXXX XXXX XXXX had agreed on. My Payment 's was sent to BA of {$1100.00} So I started sending Rushmore payments on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I paid XXXX. In XX/XX/XXXX I called to make a partial payment I was told No by XXXX he couldn't take a partial payment. I received a call voice message on XX/XX/XXXX saying they were done with my modification. Most Modification after you do three payment 's your starts that next month. I never received my Modification paper 's from them until XX/XX/XXXX. Signed them and had them Notarized on XX/XX/XXXX. They sent me XXXX to me on XX/XX/XXXX. On XX/XX/XXXX they sent me copies of the paper 's I had notarized for my records. The letter was dated XX/XX/XXXX but envelope was dated XX/XX/XXXX. On XX/XX/XXXX a certified letter came with the date on top of letter XX/XX/XXXX. And the notice of intent to foreclose. On modification it states that payment begins on XX/XX/XXXX but I just signed them on the XX/XX/XXXX. I called Rushmore XX/XX/XXXX and spoke with customer service XXXX ID # XXXX he ask was I going to try and save the house I said yes. XXXX was shock and didn't understand why I just signed my paper 's. My loan was transferred on XX/XX/XXXX. Plus my payment went up to {$1200.00}. My question is if I'm just signing my modification paper 's how are they foreclosing on the property? I will be sending over documents. I just didn't here anything until XX/XX/XXXX on the modification.
|
| 11/07/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
We paid off our mortgage on XX/XX/2018. We sent a wire transfer, as requested by the mortgage company, in the amount of {$24.00}. Our payoff statement stated this was {$4.00} for principal and {$20.00} for a recording fee. At that time we had an escrow balance of {$890.00}. On XX/XX/2018 {$20.00} was removed from our escrow account with the descriptive reason being " partial payment ''. This lowered our escrow balance to {$870.00}. The escrow account was for home owners insurance only, as we pay no property taxes due to my rating as a XXXX XXXX XXXX veteran. If our loan was paid in full, as well as the recording fee, what was this {$20.00} payment for? I contacted the mortgage company 3 times in XX/XX/XXXX via telephone to inquire why the {$20.00} was removed and what it was for. Each time I was told my inquiry would be forwarded to the correct department and I would receive a written response in approximately a week. No response. I sent two secure messages from my account on their website requesting the same information, one on XX/XX/2018 and one on XX/XX/2018. Each time their response was " XXXX XXXX Your secure emailed message is currently under review. We realize the urgency of your inquiry and we appreciate your patience. We will have a written response to your concerns. Should you have any questions, please feel free to contact our office at Toll Free XXXX, Monday through Thursday XXXX XXXX. to XXXX XXXX, Friday XXXX XXXX. to XXXX XXXX Pacific Standard Time.
As of today, XX/XX/2018 I have yet to receive a reason for this {$20.00} being removed from escrow. It is now been over 2 months from my initial inquiry. I need to know why this {$20.00} was removed.
|
| 07/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
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|
Hello; My name is XXXX XXXX and I'd like to file a formal complaint about my current mortgage service provider, Rushmore Loan Management.
I applied for a loan with the Emergency Rescue Mortgage Assistance in the state of New Jersey. program back in XX/XX/2022. In XX/XX/2022, I received a message from ERMA stating they are awaiting paperwork from my provider in order to proceed with the underwriting process. I spoke to my mortgage provider about getting the paperwork to ERMA and kept getting the runaround. All any customer service representative wanted to discuss was a deferment. I advised I had secured means to bring my past due balance completely current but all I was offered time and time again was a deferment.
I recently came acrossa XXXX channel where the consensusis that mortgage companies ( including Rushmore ) are purposely NOT providing information to these state funded assistance programs and instead forcing lenders to take a deferment with a balloon payment instead of using the assistance programs to bring the account current?
I checked to see if Rushmore was a participating lending company for this program with the State of NJ and they are listed. Why would a company sign up to be a part of a program and intentionally manipulate the odds in their favor? This definitely should be investigated, on the XXXX, some people affected claim that they were declined the assistance from ERMA due to the lender not providing the paperwork AND the mortgage company then refusing the deferment offer, putting the homeowner into foreclosure. These are unfair business practices that I wanted to bring to someone's attention.
Thank you for your time in this matter.
|
| 07/31/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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Web |
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REF : XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ Date 7/31/15Rushmore Loan Mortgage, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX - Loan Office of President- REF Loan # XXXX ss # XXXXThis is a dispute about Rushmore taking over loan from XXXX. in XX/XX/XXXX and that they are double escrowing me on taxes when taxes are paid and Rushmore ck sent to taxes I reimbursed XXXX XXXX ) plus double paid taxes in XX/XX/XXXX. The amount taken over from in 1st mortage {$46000.00} with all errears and no escrow balance ( settled XXXX. Rushmore is asking for {$210.00} in escrow a month when qtr taxes are {$330.00} XXXX est. {$110.00} a month ) plus they are aware they I disputed this in XX/XX/XXXX at initial conception. They mis-appropiate my regular payments towards an account called " other '' and they have also have unapplied money on account totaling over {$1200.00}. They claim over XXXX owed immediatedly or threat to foreclose. This is a low income unit and is protected by C.O.A.H. Please look at misc debit postings of {$11.00} unexplained. Late charges of {$25.00} by which my registered mail can dispute. I made a complaint with Banking and Insurance. I went to Fair Housing and received counseling from XXXX XXXX. I am getting negative resolution from Rushmore and want re-posting of all my regular payments to appropiate months split with part going towards principal and part interest like it should have been from the start. Since they are not sending checks to XXXX XXXX except for the {$330.00} I reimbursed them and paid XXXX also ( double paid ) carrying me through 4th qtr. Please help me. I am a single mom raising a child with XXXX. My documents are attached to this complaint.
|
| 01/08/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
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Web |
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XX/XX/XXXX I I had to fill a application for special assessment as legal residence. XX/XX/XXXX I did that and XXXX. County mailed me a check for Back Taxes paid I called Rishmore I gave them permission to draft out the check from XXXX County to pay back escrow account my check amount was XXXX confirmation # for payment is XXXX. I talked to. A person named XXXX would not give me last name told me to send this year tax assessment and they will fix the monthly payments.the tax payments were XXXX last year. and now XXXX are XXXX On XX/XX/XXXX they applied it to house payment. I called them again. And they said they had not filed it right and once more tried to put it in as a house payment. They have not fixed this problem and I keep asking for a supervisor and I get no supervisor. I have no clue what my monthly payment should be. the actual payment was XXXX and they can not give me a reason to try to. Charge me XXXX. The taxes are less they have said it's a mistake on their part. And they would expedite this Asap. I CALLED again they told me they put it in a house payment I dont have to pay till XXXX. I told them Again stop putting my escrow in the principle payment. Again I was told they would expedite it immediately .they gave me false address to mail tax bill. And gave me a name XXXX phone XXXX. If you call. XXXX 's not there. Please help me. No one in that company will update the monthly payment correctly and want to force me to pay a higher monthly payment. I can not afford a higher payment. And I even had A mortgage broker to talk on a 3 way call to explain the issues and they never corrected it and continue convey to me it's their fault.but no resolution.
|
| 03/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
Principles in Matter : Rushmore Loan Management Services XXXX XXXXXXXX XXXX # XXXX We've asked for validation of chain of assignments/title and have not received a proper response addressing the request.
We have submitted a request for Accounting according to GAP or General Accounting Principles ( payables, receivables, balance sheet ) specific to the alleged debt in question prior to notice/recording of Trustee Sale and have not received a proper response.
In a correspondence dated XX/XX/2022, Rushmore Loan Management states " Please note Rushmore services the account in accordance with the original loan documents and all applicable laws and statutes. '' We've submitted multiple written requests to view the " original loan documents '' and have received no reply. Please consider this another request to view the original loan documents.
Question1 : In California, can a third party debt purchaser in its activity of " debt collection '' commence foreclosure?
Question 2 : Did XXXX XXXX purchase this debt and if so, when?
In a letter dated XX/XX/2022, received by your office and CEO XXXX XXXX, Rushmore agreed to the acceptance and transfer of title into an irrevocable private business trust of the which Rushmore has duties and obligations under the trust indenture to : 1. Merge the Title and 2. Set off the obligation They continually obscure the facts by calling it a revocable trust and not fulfilling their fiduciary duties.
In communicating with Rushmore, all replies state that they are acting within applicable laws and regulations but fail to cite the specific law and/or regulation. We can not audit Rushmore 's compliance without this information.
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| 02/28/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
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Web |
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|
I have had issues with this company since it acquired my mortgage from XXXX. I have finally been able to find a company to refinance my mortgage with a better interest rate than I had with Rushmore Loan Management.
Through the process, I requested two payoff letters that were faxed to my loan officer within three business days after the request. The second payoff letter was requested through the date of XX/XX/XXXX. My new loan actually closed on XX/XX/XXXX. According to at least one customer service rep, a new payoff letter was requested by the title company on XX/XX/XXXX. I was told that a payoff amount {$110000.00} as of XX/XX/XXXX was faxed to my loan officer. Per my loan officer at XXXX, that fax was not received until XX/XX/XXXX. The amount of the payment to close the loan was electronically delivered on XX/XX/XXXX was {$110000.00}. That amount was taken from the payoff date through XX/XX/XXXX. I was told my loan was not paid off and closed without the {$78.00} shortage being paid ... in addition to a charge of {$19.00} per day that it was not paid in full. I have multiple email contact, phone calls, and text messages with my loan officer at XXXX XXXX as well as emails with XXXX XXXX XXXX.
I disagree that I am required to pay interest on the {$78.00} when my request for payoff was dated XX/XX/XXXX. The payoff letter states " It states that if the " funds received on or after date will be charged an additional {$19.00} per day. '' My loan closed XX/XX/XXXX and a new final amount request was made on XX/XX/XXXX in order to process the electronic payment. Rushmore did not know the loan would close earlier, so how could the interest start on XX/XX/XXXX?
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| 10/19/2021 |
Yes |
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- Trouble during payment process
|
|
Web |
Servicemember |
|
I refinanced my home to get out of a terrible experience with prior loan " servicer '' .My refi is thru XXXX XXXX XXXX-and came to realize THEY farm out their customer payments through Rushmore Loan Management XXXX XXXXSorry XXXX can't provide any real address.They have multiple po box es, so will supply their complaints box : XXXX XXXX XXXX XXXX, CA. XXXX complaint early into this process.I 've been down this rabbit hole before:1st-in attempting to work amicably w/this company ( realizing I may not understand their process ) -I was told simply to render payments closer to the due date.Briefly : there is no direct response, accountability or person to contact.I invite you to try! Virtually every # called is a minimum XXXX0-15 min.hold, with the standard, " leave your # and someone will call back '' .Problem? I have submitted 2 seperate mortgage payments ( XXXX due XXXX XXXX due XXXX ) through the USPS to their own po box .Coupons and instructions from statements per Rushmore 's requirements.Both times a principle curtailment got applied.Not the obvious mortgage payment in the amount due.Both times required several contacts to apply a reversal to their error -- -which, they in turn state can take 3 days to reflect.Rushmore is a debt collection agency.I work, am a veteran, and have chronic health issues.I am not willing to chase this company 's mistakes every month, bearing in mind their errors can severely and negatively impact my investment.If your agency can reach them, I want to know why they can not /will not apply the payments as directed by their own prorocol.It feels as if they're deliberately setting things up to throw my payments into delinquency.
|
| 01/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
XX/XX/2020 XXXX XXXX XXXX Loan number XXXX XXXX XXXX XXXX XXXX, CA XXXX I'm reaching out to you in the hopes that you will be able to assist me with my negotiations with Rushmore Loan Management Services.
I have been trying, unsuccessfully, to resolve a Foreclosure matter with them for more than a year now. 3 years ago, my fiance passed away and that created, not only a loss of income, but a large financial debt. As a result of these issues, I fell behind with my mortgage and have been trying to modify the loan since.
I have been working with an attorney who has basically only made the issue worse, as that person has backed me into a corner - there is a sale date schedule for my home on the XXXX and the attorney did nothing to address it.
I reached out ( again ) to Rushmore last week and was told that as long as I had documentation submitted by end of business day, Monday the XXXX, I would be fine. I submitted everything, called on Tuesday to confirm that it was received and was told that the documents were being imaged. When I spoke with them yesterday I got three different answers from three different individuals, regarding the status of my request - all of them conflicting.
Not only this, but now they're requesting additional documentation and are refusing to put the sale date on hold. I have done everything I possibly can to comply with their requests over the last year, but it seems as though they're determined to follow predatory, as well as, questionable business practices.
I was told that things would be fine, as long as I follow their instructions, but it's clear that that was all part of their deception. Please assist with this matter.
|
| 10/18/2016 |
Yes |
|
- Loan modification,collection,foreclosure
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|
Web |
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|
Our original loan was with XXXX XXXX. We purchased the home shortly after hurricane XXXX. We were told that our note would {$1200.00} or so, but when we received out statement the note was over {$1700.00}. Shortly after that we filed for our first a loan modification. In XXXX, the co-owner got ill and had to be out of work, loss of income. My wife soon became ill as well. In XXXX, the co-owner was placed on XXXX by her doctor but did not receive any funds for the first 6-9 months. All expenses were on me. After that my wife became ill. All this time we were filing loan modifications and each time we filed the paper work XXXX XXXX found some other reason not to process it. The co-owner was diagnosed with XXXX. In XXXX, my wife began to have more health issues that caused her to miss work, most of the time without a paycheck. So to try and help we filed bankruptcy in XXXX. We still had trouble making the note, this time because more than half of my salary was going to the bankruptcy. In XXXX, my wife filed for XXXX, she received a few checks here and there, when leave was donated to her but she had insurance that had to be paid first. Since we no longer had that income it was difficult to make the payments. Once the areas was paid XXXX XXXX sold the loan to Rushmore Loan Management. The co-owners XXXX has progressed and she was hospitalized for XXXX. Our bankruptcy was supposed to be finished in XXXX. It is now being discharged and Rushmore Loan Management is attempting to foreclose on the property. Now that the bankruptcy is not coming out of my check, I can now afford to make my payments.
Due to these health issues it is a hardship to move. We need help.
|
| 03/26/2019 |
Yes |
|
- Trouble during payment process
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|
Web |
Servicemember |
|
On XX/XX/2019 I submitted my mortgage payment online and it was deemed " effective '' on that same day. The monthly statement states that payments must be made before the XX/XX/XXXX of each month or late payment penalties would apply. The company did not process the payment until 3 or 4 days later and proceeded to send a threatening letter on XX/XX/2019 stating our loan was " delinquent '' and that our loan was presently in " Default '' despite the digital portal used to make the payment stating our effective date was on XX/XX/2019. This happened almost identically in XXXX and I called the company and stated I didn't want this threatening letter sent, that also threatens a negative credit report sent to credit reporting agencies, when the system I used is digital and the payment date should be readily available for them to determine that threatening delquincy and negative credit reporting is unfounded in this situation. Moreover, this company does not practice as a typical mortgage company. Their practices are more aligned with that of a collections agency even to the point of attaching a notice stating they are " a Debt Collector ''. We have never missed a mortgage payment and due to the terms of our employment and how we are paid by said employment, this is how we have to make payments at this time. I do not appreciate these threatening letters and I do not deserve to be treated as though we're not paying our mortgage. I want my mortgage sold to a proper mortgage company and not held by this falsely labelled Debt Collections Agency. I should not have to pay for a refinance to have this company removed from my loan for their dishonest practices.
|
| 10/09/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
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CFPB closed all cases with attorneys XXXX and XXXX that used threatening and abusive language, retaliated and filed for sanctions against me for being a victim and reporting that they are in contempt of federal orders and consent agreements filed by CFPB on XX/XX/2022.
Retaliation against victims and using abusive an threatening language was shared in these complaints that CFPB ignored and they ignored malpractices and misrepresentation of fact.
No attorneys are above laws and no attorneys can be in misrepresentations to gain bias, favor or discriminatory acts against victims of financial crimes that have been verified to obliterate compensatory damages of the hundreds of thousands exploited and funneled out of my lawful property.
XXXX BANKS tampered with documents and scribbled on documents that are out dated, without any authority, any right and with intentional disregard.
XXXX XXXX XXXX XXXX XXXX consumer report Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/2022 XXXX Feedback provided XXXX XXXX XXXX Other personal consumer report Incorrect information on your report XXXX XXXX XXXX I do not know Took or threatened to take negative or legal action XXXX XXXX XXXX XXXX XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX I do not know Took or threatened to take negative or legal action RUSHMORE LOAN MANAGEMENT SERVICES LLC XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX XXXX do not know Took or threatened to take negative or legal action XXXX XXXX XXXX XXXX XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX Other personal consumer report Improper use of your report XXXX XXXX XXXX XXXX XX/XX/2022 Closed Feedback provided
|
| 07/10/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I am writing to the Consumer Financial Protection Bureau as a final effort to resolve an issue I am currently having with Rushmore Loan Management Services located in XXXX California. Over a year ago I had applied for a loan modification due to a financial hardship. At this time I retained an attorney who represented me. We could not agree to a modification on both sides. With the direction of my attorney I filed a preliminary bankruptcy so I would not lose the house. Rushmore then presented a modification and I amicably agreed to their terms and the petition for bankruptcy was promptly withdrawn by my attorney. Rushmore asked for a good faith down payment which I complied followed by monthly mortgage payments wired directly to them by my bank for 6 consecutive months. These were the terms to satisfy this agreement. In spite of complying and sending timely payments a few days to a week prior to the due date and Rushmore issued auction dates and continued to record as foreclosure. I also wrote to the XXXX in an effort to remove the foreclosure by Rushmore. It was only after I contacted the XXXX that Rushmores attorney responded with a letter of apology and stating errors were made by them. I finally received the congratulations on your modification letter several months after the terms were completed dated months before. I am now still receiving multiple mail correspondence from attorneys stating that it is still recorded as a foreclosure by Rushmore. Bankruptcy was never completed at any time. I continue to be in good standing and this foreclosure issue has to be cleared. If something can be done by your agency it would be greatly appreciated.
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| 05/21/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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I have been affected by the XXXX XXXX. I was sick in XXXX and XXXX. I left messages on their customer service number, but no return calls. I received a notice dated XX/XX/XXXX, that I wa in default and to call them. I called and left several messages for the contact XXXX XXXX, not return calls. I received a Notice of Intent to Foreclose dated XX/XX/XXXX, again I called. I went online and tried to send an notice, but the account kept giving me a message that I had to call customer service.
I finally reached a person on XX/XX/XXXX at XXXX XXXX, after she provided me with the collection information required by law, I said I wanted to make a partial payment of {$3000.00} and another partial payment of {$2500.00}, by XX/XX/XXXX and then bring the loan current by XX/XX/2020. She argued that I owed more than what I was trying to bring in. She proceeded to tell me that I was sent a notice that my payment went up to $ XXXX a month effective XX/XX/2020, per my escrow analysis statement provided online on my account. I explained that I have no access to anything online and that I never received the notice. She argued and said nope you signed onto online service and that is all we have to give you. I asked to speak with a manager a male came on the line let me speak, then he said no your are in foreclosure and we are not going to accept any partial payment. I decided not to speak with them any further.
I have been affected by this virus, I am back at work not making any commission, just the base of {$2500.00}, yet this servicer is not trying to help me or work with me. I can't get through to my assigned relationship manager and they won't work with me.
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| 02/27/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
A home equity line of credit that I had opened with XXXX XXXX was transferred to Rushmore Loan Management in XXXX.
Toward the end of XXXX, specifically on XX/XX/XXXX, I attempted to pay off the outstanding balance at Rushmore by sending a payment using Rushmore 's online payment system for the full amount of the outstanding balance shown on the mailed statement I received a few days prior.
In early XXXX, I received another statement indicating that a service fee of {$20.00} had been charged to the account ( though apparently it was being charged later than the statement date, on XX/XX/XXXX ), and indicating that a total outstanding balance of {$20.00} was still on the account.
On XX/XX/XXXX, I called Rushmore to get clarification, and was told that the service fee was just the annual fee for the account. I then asked for confirmation from the representative that making a payment through the website of the total outstanding balance, {$20.00}, would XXXX out the account. The representative confirmed this.
In early XXXX I received another statement from Rushmore indicating that the {$20.00} payment was not being applied until late XXXX - later than the account statement even through that payment had been sent on XX/XX/XXXX - and that a {$4.00} interest amount was being charged to the account.
I attempted to call in for clarification again and was told not only that they couldn't provide more details, but that there was a {$4.00} amount due, and that they could not send a payoff and account closure without both myself and my wife - who is also on the account - faxing or mailing in a request form of some sort requesting a payoff letter.
|
| 09/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
My name is XXXX XXXX l have a loan with XXXX XXXX, service by Rushmore Loan Management services.
I have been suffering a nightmare since the first day my loan was sold to you.
In XXXX of this year, I bought a condo in XXXX Florida, and it was financed by XXXX XXXX.
All my documentation was submitted and registered by them, including 1 year in advance condo insurance, and the flood insurance from my building.
Since XXXX this year, my loan was sold to XXXX XXXX, and the documentation was apparently never submitted, by the previous loan owner.
They start adding money to my balance without even notifying me, when they finally told me, I let them know that was wrong because I did have full insurance, paid in advance for the full year, including the flood one.
I submit everything by email several times, and even by regular mail.
And the last time I was able to actually speak with someone over the phone, he said that the information was received, but, never processed.
I submit it one more time, but still shows a deb that I dont own!
It is not my fault that the previous loan owner did not submit it completed!
I have been trying to get the message to the people that call me harassing me for something that is not right!
And now for the past 2 weeks, I have been trying to speak with someone on customer service, and is absolutely impossible, that customer service line XXXX XXXX XXXX became only an automatic system, and is not possible to speak with no one.
Please help me, I need them to register the insurance information from day one in my loan, delete the amount of money that was a wrongful charge to my balance, and clear my loan.
Thanks,
|
| 08/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/2022 I call Rushmore Loan to ask why my monthly mortgage payment went up when I paid the escrow shortage from the XX/XX/2022 statement they mailed me. The representative told me there was a {$3.00} escrow shortage. I asked the representative why they hadn't mailed me the notice. As I was on hold, I logged onto my web portal and found a new escrow analysis report showing this {$3.00} escrow shortage. I told them the representative that I was willing to pay any escrow shortage but I didn't want my mortgage payment to go up. The representative told me it was too late. I asked to speak to the customer service manager. I then spoke to XXXX who gave me his email address at XXXX. I told him that I called Rushmore to pay the {$630.00} shortage so my payment wouldn't go up. This payment posted on my checking account on XX/XX/2022. Therefore, when I logged into my portal to pay my XXXX mortgage payment, I was surprised to see an increase on my monthly payment. It went from {$2100.00} to {$2200.00}. How can a {$3.00} escrow shortage increase my payments to by {$38.00} each month. He then explained that Rushmore has a minimum required escrow balance. I said okay but why don't you give me a statement and give me an opportunity to pay it so I can prevent my mortgage payment from increasing? I didn't understand his explanation and in all my past experiences have been that if I pay the escrow shortage statement amount, then I don't see in increase in my mortgage payments when I have a fixed interest rate. Even the representative who took my XXXX payment of this escrow shortage told me that my payment shouldn't increase if I pay the shortage amount.
|
| 10/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/272019 I sustained a water leak under my kitchen sink. I filed a claim with XXXX, my Homeowners Insurance.
After delays with XXXX, the work to rebuild my kitchen began on XX/XX/2019.
All checks submitted to me by XXXX are required to be sent to my Mortgage Company, Rushmore Loans.
On XX/XX/2019, a check for {$32000.00} was issued to me and, subsequently forwarded to Rushmore ( with all required notarized documentation ). I sent these documents via Mail and, when I followed up with my File Owner, XXXX ( XXXX ) she claimed they were never received. I then uploaded the documents on their website ( XXXX ) and again, XXXX claimed they were never received. Finally, I faxed everything and got a confirmation that it was sent/received.
I later checked the transaction history on my Mortgage account, and it shows that on XX/XX/3019, the check was deposited, and that on XX/XX/2019, the check was RELEASED to me.
This is false, as that amount was never released to me.
I have, in fact, paid over {>= $1,000,000} OUT OF POCKET for materials and labor in order to keep the work going.
In the meantime, I have left 7 voicemails for XXXX over a two month period, and she does NOT return calls.
I feel something fishy is going on here. XXXX called me once, while I was working, and arranged to call me back at XXXX that afternoon, but never did.
The one time I finally got her on the phone, she claims we had a bad connection, and wanted to call me back, which I didnt want to take the chance to do.
Furthermore, she is very un-informed, cant answer a single question, and cant explain why this check is documented as released to me when it never was
|
| 04/11/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Hello The loan servicing company is rejecting my mortgage payments. I have been in contact via the mortgage specialists XXXX XXXX and XXXX XXXX. So far I have no response why the loan service co is not accepting my payments, although in the last payment I have overpaid the loan servicing company.
Sent an email to XXXX XXXX Received no response. Sent another one and XXXX XXXX referred me to XXXX XXXX. No response.
Here is the last email.
XXXX XXXX To : XXXX XXXX Cc : XXXX XX/XX/XXXX at XXXX XXXX Please provide customer with response. Thank you, XXXX XXXX XXXX is not providing a response. He is on a mission to bankrupt me. He is delaying his response on purpose so that my payments are late. He asked me to send a little over {$6000.00}. I sent over 10000 and he did not accept my payment.
Here is the bank proof that I have sent the moeny.
Dear XXXX XXXX : We sent this payment, but your payee rejected it and your bill hasnt been paid.
Payment to Rushmore Loan Management Service from account XXXX for {$1500.00}, to be delivered by XX/XX/2018 XXXX.
Please make sure you've entered all of the payees information correctly. If you make changes, you can try to send the payment again. If everything looks right, please contact your payee.
If you use personal financial management software, such as XXXX ( R ) or XXXX XXXX ( R ), please look at your payment details for the most up-to-date information.
Have questions? We offer many answers, and other ways to reach us, at XXXX.
Please don't reply to this automatically generated email.
We know you have a choice of banks. Thanks for choosing ours.
Sincerely, Your Online Banking Team
|
| 08/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have been trying to go through the process for a Home Loan Modification for the past several months. I have been working with a Company Called Rushmore LLC. I have been in contact with them on several occasions to help me with a XXXX. I have faxed a complete package to them, and I have also had my son to email the requested items. I was told either i was missing something or they did n't receive it as of yet. I have followed the checklist of items that were required in order to have a complete package. I would call to advise that the information has been sent via email or fax, but at the same time i would be told by XXXX of their representatives that " we are not going to help you, we are just coming to get the house since you ca n't make the payment '', and this was a very very hurtful thing to hear. The reason I was seeking Financial assistance due to my life partner be XXXX, and I could not afford the medical expenses, cost of XXXX, and a mortgage payment. My life partner recently passed in late XXXX of 2016 from her battle with stage XXXX XXXX XXXX. Also, while in this process for a modification I made a terrible discovery from my bank, when I tried to apply for a loan. I found out that my dream home was in foreclosure, and here I am thinking I 'm doing everything possible to prevent this from happening. I also received an Anonymous letter " stating that we are coming for the house '' and low and behold I received a letter stating I had to be out of my dream home by XXXX XXXX. Also Rushmore stated that they sent of a letter stating that I was in Foreclosure which they did n't not. The only thing I received was a decline letter.
|
| 04/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Rushmore Loan Management Service is aggressively attempting to foreclose on my home. I was diagnosed with XXXX XXXX XXXX XXXX on XX/XX/XXXX. I informed Rushmore Loan Management Service of my medical issues and that my income would be reduced because of treatment and hospital stays necessary to keep me healthy until I can find a XXXX XXXX. Rushmore Loan Management Service has not provided me with any assistance, in fact, they have been relentless in moving forward with foreclosing on my home. My health has continued to decline because of the stress of the foreclosure. In order to relieve the pressure of this I decided to sell my home. I received a ratified purchase contract and because of this, Rushmore Loan Management Service suspended the foreclosure sale scheduled for XX/XX/XXXX. The sale of my home was scheduled to take place on XX/XX/XXXX. Rushmore Loan Management Service upon canceling the XX/XX/XXXX sale immediately placed another sale date on record for XX/XX/XXXX. Once again, providing stress and pressure to an already heartbreaking situation. The purchase contract allowed for a 15-day extension, which the purchaser exercised. Rushmore Loan Management Service was made aware of the 15-day extension which was provided in the initial agreement; however, Rushmore Loan Management Service has denied removal or postponing the XX/XX/XXXX, sale date. They continue to use pressure and underhanded tactics to foreclose on my home. Their actions are borderline criminal or certainly could fall under the Dual-Tracking law. I also sent a Qualified Written Response in regard to my loan with Rushmore Loan Management Service. Please help me.
|
| 06/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Synopsis of Your Loan # XXXX, XXXX XXXX XXXX. and Demand of Estate 1. Loan Originated : XX/XX/XXXX XXXX XXXX, {$460000.00}, 6.5 % /annum, $ XXXX 2. XXXX XXXX took the loan over from XXXX XXXX on same day of the Loan 3. Mortgagor XXXX XXXX passed away.
4. Mortgage payment getting delay.
5. During the difficult time, weve been trying to get catch up the loan and even worked loan modification that conditionally approved by XXXX XXXX and we succeed 3 months trial payment period, but it is not taken the place without any explanation.
6. XXXX promise to give us Flex Modification that we can qualify on XX/XX/XXXX 7. XXXX XXXX XXXX claims that they are the servicer of the mortgage.
8. The point of contact pretended not to know about promised Flex Modification 9. Push to complete the loan modification form without any terms and conditions which is not the Federal Flex Modification that promised by XXXX XXXX 10. XX/XX/XXXX send us NOTICE OF DEFAULT AND INTENT TO ACCELERATE with inaccurate payment due of {$310000.00} 11. Weve tried to get solved the issues with XXXX XXXX XXXX but weve been ignored 12. XX/XX/XXXX Rushmore Loan Management Services took over the Loan as the servicer of the Loan and MTGLO Investors, LP as the Owner of the Loan 13. On your letter XX/XX/XXXX, Rushmore indicated she is servicer of loan and the owner of the Loan is XXXX XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX, Tx XXXX, Phone # is XXXX 14. On XX/XX/XXXX, CFPB officer asked me to find exact Name of the Owner of the Loan, Website Address, Mailing Address and contact Phone Number, Ive Called the above Telephone Number given by you is the XXXX XXXX not XXXX XXXX XXXX.
|
| 06/14/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American |
|
Hello consumer finance I started a complaint with you XXXX. On that complaint I stated " on XX/XX/XXXX I inquired about the arears in my mortgage, I was told it was {$7200.00}. I called back on XX/XX/XXXX and I was told that the amount was now {$18000.00} due to not being covered by bankruptcy anymore and I was advised that I had missed XXXX payments from XX/XX/XXXX to XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX my payment amount was {$1000.00} and from XX/XX/XXXX to XX/XX/XXXX my payment was {$1000.00} constituting my XXXX payments, my statements show that they have received {$10000.00} during that time.
That Complaint has been recently closed based on this statement from the Mortgage Servicer " Rushmore has reviewed the recorded conversations held between XX/XX/XXXX to XX/XX/XXXX, and at no time during these calls did a Rushmore representative quote you {$7000.00} as the reinstatement amount. You explained to the representatives that you believed the amount to be {$7000.00}. The representative ordered a Reinstate Quote that was mailed to you on XX/XX/XXXX, XXXX amount required to reinstate the loan through XX/XX/XXXX is listed below. " As you can plainly see the DATE & AMOUNT does not correspond with what I have provided to you. Of course the conversation in my complaint didn't take place because the time frame they researched is not the one I provided to you. As you can plainly see this is a ploy to defraud you as a consumer advocate and steal the funds that I sent them. I have taken the liberty to attach the reinstatement quote that I was sent and the response that I have sent them by providing every months bank statements
|
| 05/16/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American |
|
Rushmore obtained an assignment of an already settled account from XXXX XXXX XXXX XXXX XXXX who I defaulted after serving their COC : XXXX XXXX with a promissory note that she retained but did not credit. My default, invoice and lien is recorded with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX, document # XXXX. The promissory note was obtained by XXXX well within the 6 month right-of-redemption window ordered by judge XXXX XXXX XXXX ( XXXX XXXX XXXX Rushmore than began unlawfully dunning me for a settled obligation under a new loan number I never signed. Neither Rushmore, their attorney law firm Marinosci Law Group, XXXX or XXXX XXXX XXXX their ostensible client or the trust they claim to represent, have license to collect in Wisconsin state per 12 USC ss. 1864 and 15 USC ss. 1692 ( i ). Rushmore/XXXX then hosted an unlawful sheriff sale of the property parcel # XXXX on XX/XX/XXXX. The sale violated Wisconsin code XXXX by posting an alleged judgement settlement amount where bidding might start ( which had already been satisfied with the promissory note mentioned above ) and then beginning for more than twice the published amount. I purchased the property post sale in excess of the bank but the clerk of court dishonored my instrument in writing. According to WI XXXX the debt is discharged. Rushmore, XXXX lawyers and XXXX XXXX are engaged in criminal theft of real property and RICO violations with XXXX XXXX. I refer this case to US DOJ and FBI for mortgage fraud, grand larceny, identity theft, theft of real property, estate embezzlement and racketeering. I joinder with class action suit based upon FBI case file XXXX.
|
| 07/17/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have been writing and complaining about Rushmore loans for a number of times to no avail. I have tried to contact them directly but every time you call you talk to someone in the XXXX! I have asked to talk to someone in the U.S. They put me on hold and then you just give up after waiting for XXXX minutes. They are a crook of a company.
I had a loan modification with another crook of a company called XXXX and they sold my loan to them. I was paying for nearly 2 years without delay an amount of XXXX dollars a month. All of a sudden Rushmore changes that to XXXX and if you are late they add another XXXX dollars!
I said I would pay my own taxes because they claim that this is because of negative escrow. I can pay my taxes on my credit card which I did just a few days ago. They also lied that the reason for this amount is because my taxes doubled. I went to the county and my taxes only went up by XXXX dollars a year so they are lying again. I do not want to pay almost 600 dollars a month extra when I just can't afford it. I did not sign up for the loan modification to pay this amount.
I have also repeatedly asked them to have a lower, much lower balance. My note in 2006 when I bought the house was for XXXX. After 12 years of making payments to XXXX, XXXX, XXXX and now Rushmore, I still owe according to them XXXX plus late fees. This is bloody highway robbery. I want a reduction on the principal and I want my payment to be the same as before.
Rushmore is doing an illegal business. I do not want them to pay for my taxes.
Additionally, they all lie. I want a resolution to this matter which I have asked a number of times.
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| 05/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I recently was transferred from XXXX XXXX to Rushmore loan management. I have been trying to complete a loan mod with XXXX for several months without success. They continue to ask for additional documents that were not required during the loan review process. It isn't until I call in that I find out that additional documents are needed to " complete my file ''. My escrow payment increased in 8 months after my loan was originated due to an increase in escrow was not accounted for at origination. I have worked to lower my escrow by decreasing my insurance payment and filing homestead. I asked XXXX XXXX to run another analysis but was advised that I needed to complete the loan mod process as my payment has increase again. I called Rushmore today to find out that my loan was not even coded that I am in the Loan Mod process nor do they have any documents received from XXXX. I was advised that I can resend the package sent to XXXX XXXX or fill out a new package. I also attempted to make a payment and Rushmore refused to accept a payment. Advising that I would need to bring the loan current or they would not take payment. I am trying my very best to make payment and try to get my loan mod and they will not accept payment. Rushmore does not seem to be interested in helping the customer but wants to take homes. I asked the associate if this was an investor guideline. He stated no that it was Rushmore and that I need to complete the Loan Mod process. How about if I do not quality, then Rushmore will have placed me further in default because they just do not want to take a payment? This is ridiculous and needs to be resolved asap.
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| 08/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I mailed XXXX payment via XXXX Mail and it was delivered XX/XX/23 w/ tracking. Rushmore Loan Management Services denies receiving it but an investigation by the USPS confirmed it was delivered and picked up by Rushmore 's 3rd party private contractor. They claim no responsibility and their " investigations '' find nothing. I've asked if they have video or other evidence showing it wasn't with their daily mail.
I can not cancel the USPS money orders 60 days after purchase, which was XX/XX/23. I can then cancel each money order for {$25.00} and buy new money orders and resend it Priority Mail, but they have sent a NOTICE OF DEFAULT AND INTENT TO ACCELERATE, despite the evidence I've presented them.
I mailed XXXX payment as usual and it was received on time. I am about to send XXXX payment and have enough to cover the missing XXXX payment as well, but they are demanding late fees and other fees as well.
USPS told me just now that XXXX of the missing {$1000.00} money orders from XXXX was cashed on the same day that my XXXX payment was cashed.
Furthermore, Rushmore, or their 3rd party contractor has repeatedly issued me erroneous late fees. Several times they have issued late fees when I had USPS priority mail tracking numbers showing on time delivery. They have argued and resisted reversing these charges and have stated charges were removed without do so. Additionally, before I started buying tracking Rushmore gave me several late fees when I mailed a week or 10 days before due date. Every time, the payment would be recorded as exactly one day late. What a coincidence.
USPS tracking number XXXX XXXX XXXX XXXX XXXX XXXX
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| 07/10/2018 |
Yes |
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- Trouble during payment process
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Web |
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Four months ago I contacted Rushmore in regards to cancellation of my PMI insurance due to the increase of the value of my home by 30 %. The increase was due to rising home values and property improvement modifications. The request was denied due to loan to value ratio. I contacted Rushmore back and explained my loan amount is XXXX and my home value falls between 276-300k. I was instructed that if I wanted to proceed I would need to pay for an appraisal from a 3rd party appraiser of Rushmores choice. I agreed and never heard back. I contacted them back after not hearing back after sending my agreement form to move ahead with the appraisal. Months have gone by with no word so I contacted them again on XX/XX/18 requesting the same. I was instructed that the concern was closed and I was denied with no communication. I explained that this is unacceptable under federal Homeowners Protection Act. I was advised I would receive a call back within 24 hours after it was investigated. I have contacted Rushmore today via online chat requesting my call back and was advised that it can now take up to 48 hours for a response. This insurance should have automatically been removed in light of my perfect payment history over the last 12 years. It seems that my only recourse is to take Rushmore to small claims court since no one in the customer service or PMI department can give me a clear answer as to why I am being charged an extra {$150.00} a month.
My advice is to pursue small claims or talk to an attorney if you are ignored or wrongfully denied. Keep every letter and chat log, this will come in handy later on if it goes to court.
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| 05/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Rushmore Loan Management Services, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Rushmore has been reporting derogatory information to XXXX XXXX XXXX XXXX for some time that is incorrect.
Trying to communicate with them is ridiculous. Of recent since XX/XX/2021 -- I have sent messages through their every available avenue ... message center, phone calls, emails, escalated calls to supervisors with no avail.
They deny they are reporting anything at all derogatory and that my record with them is good. They state nothing is being reported late and every payment has been made on time.
I uploaded the XXXX Credit Report reflecting my complaint. This showed the incorrect reporting, of which they continue to deny their incorrect reporting. When I call they say they can not find the report even though I can go to their website and pull the document up. ( And I can pull the Receipt from where they received it. ) I uploaded again today a current copy of my report from XXXX Credit Report to Rushmore which is reflecting the derogatory information being reported by THEM.
They basically state as of today what they are reporting to XXXX is that I am current and that I have never been late. They are wrong, because they are reporting derrogatory information, but do not want to take responsibility or acknowledge it. They are reporting derogatory information which is previous to their ever having this loan. They are aware that the information is prior to their getting this loan.
I disputed this information with XXXX and when I got the response they said that Rushmore is continuing to report the information and did not remove it.
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| 01/18/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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FORECLOSURE SALE DATE : The letter sent to me for my last HAMP request was dated XXXX XXXX, 2016. As per treasury guidelines, the homeowner ( thats me ) must be allowed to file an appeal within 30 days. Which means that the lender can not foreclose on the property during that 30 days appeals period. The declined letter sent to me correctly states this rule. Currently, the foreclosure date is set for XXXX XXXX, 2016. During my conversations with the trustee, and Rushmore agents I have repeatedly asked that foreclosure date should be set in accordance with the treasury guidelines and what is written in the declined letter. However, the date is still set for XXXX XXXX, 2016. I respectfully ask that they suspend the foreclosure activity and consider this information provided to in this appeal.
My lender is forcing me into foreclosure on my HOME without reviewing my loan for HAMP. I have requested numerous time that my loan be reviewed for HAMP Loan modification. My plea had fallen on deaf ears. I believe that they have no intention of doing a HAMP modification for my loan. I have been stuck in the mortgage XXXX for the past 4 years. They are just running out the clock on me while adding all kind of fees to the arrears that could be avoided. FOR THE PAST 4 YEARS, ALL I AM GETTING IS RUN AROUND AND NO HELP. in the most recent review, they calculated my financials completely wrong. I make nowhere near the money they claim. Based in wrong income ( {$11000.00} + ) they denied a HAMP modification. I am attaching my most recent and current financial information with this package. I am hoping that you can get it done correctly.
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| 01/18/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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FORECLOSURE SALE DATE : The letter sent to me for my last HAMP request was dated XXXX XXXX, 2016. As per treasury guidelines, the homeowner ( thats me ) must be allowed to file an appeal within 30 days. Which means that the lender can not foreclose on the property during that 30 days appeals period. The declined letter sent to me correctly states this rule. Currently, the foreclosure date is set for XXXX XXXX, 2016. During my conversations with the trustee, and Rushmore agents I have repeatedly asked that foreclosure date should be set in accordance with the treasury guidelines and what is written in the declined letter. However, the date is still set for XXXX XXXX, 2016. I respectfully ask that they suspend the foreclosure activity and consider this information provided to in this appeal.
My lender is forcing me into foreclosure on my HOME without reviewing my loan for HAMP. I have requested numerous time that my loan be reviewed for HAMP Loan modification. My plea had fallen on deaf ears. I believe that they have no intention of doing a HAMP modification for my loan. I have been stuck in the mortgage XXXX for the past 4 years. They are just running out the clock on me while adding all kind of fees to the arrears that could be avoided. FOR THE PAST 4 YEARS, ALL I AM GETTING IS RUN AROUND AND NO HELP. in the most recent review, they calculated my financials completely wrong. I make nowhere near the money they claim. Based in wrong income ( {$11000.00} + ) they denied a HAMP modification. I am attaching my most recent and current financial information with this package. I am hoping that you can get it done correctly.
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| 09/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Someone please assist me! I am in dire need of some assistance with my mortgage loan because the mortgage company wants to foreclose my home. I got behind two and a half years ago after my husband left me for another woman. He was the primary provider for our family and when he left I was not working which is why I fell behind. I've been struggling just to by food ever since and have relied heavily on the assistance of my children but they can not financially afford to bear the burden of my expenses any longer and it is taking a toll on their income now. I am currently in the process of trying to work this out with the mortgage lender so that I do not have to deal with a foreclosure on my credit after going through so much already these past two years. I have submitted all of the paperwork asked of me and yet the company still has an auction date scheduled. Rushmore has sent me numerous documents advising me to either apply to modify my loan or do a short sale and since I am unemployed, I do not qualify for loan modification so short selling the home is my only option. I just need 60 days to get this done, I have a willing and able buyer that has made an offer. Who knows what the lender may get if they decide to sale my house at an auction, they may not even get he amount they are looking for so it's worth taking the time to work with me because this is a solid buyer. Please help me get in touch with someone who can take a look at my file. I am begging for Rushmore to work with me, I can not afford for the home to foreclose and be reported on my credit, it will destroy the little bit of creditworthiness I have left.
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| 05/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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When I first applied for assistance, after my COVID forbearance had ended I was not in foreclosure. I sent my documents in on XX/XX/XXXX.
I resent the documents directly to my relationship manager on XX/XX/XXXX. He was very helpful and emailed me right back confirming receiving the docs on XX/XX/XXXX. ( see attached email record ) I called in to see if my package was complete and I was told to send in additional documents, which I did on XX/XX/XXXX ( see attached email record ) After submitting the corrected XXXX XXXX XXXX additional Bank statements, and my Tax Return extensions on XX/XX/XXXX, I called in and was told that I needed to send the same documents in again. On XX/XX/XXXX I did AGAIN and included an explanation, to help with any confusion. ( see attached email record ) Again, I called in, again I was asked for additional documents, that I had already submitted, so again on XX/XX/XXXX I sent them in. ( see attached email record ) When I called in again to check on the status, I was told that the SAME documents are missing, but that now my loan was in foreclosure.
I am now resubmitting the package and the missing documents AGAIN, which I was told to do before a sale date was scheduled. ( see attached email record ) I am worried that I will continue to go back and forth with the same documents requested and the same sent in over and over until there will be a sale date and I will not be able to save my home.
To complicate and delay things further, the hours listed on the application are not the correct hours that they are open, see attached. They are open until XXXX, but on correspondence, it says XXXX.
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| 02/17/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX XXXX has been fined for identity theft fictitious loans schemes against victims of identity theft fraud financial crimes.
The XXXX XXXX has used the government offices, government resources and government employees to aid fictitious loans schemes against properties withholding information from CFPB ORDERS AND REMAINING IN CONTEMPT OF CIVIL PENALTY RELIEF FUNDS TO VERIFIED VICTIMS.
XXXX XXXX are using subsidiaries : Rushmore Loans CA XXXX XXXX XXXX TX AZ XXXX XXXX XXXX XXXX XXXX TX plus XXXX and XXXX XXXX XXXX OF XXXX FLORIDA The parties hired by XXXX XXXX ignore consent decrees of civil penalty relief, they threaten me, and conceal evidence of fictitious loans, victim of identity theft, title theft crimes and financial crimes to unlawfully seize my property.
The parties use government resources and ignore regulations of CFPB AND ACT LIKE AGGRESSIVE DEBT COLLECTORS FOR PROFIT AND TO REMAIN IN CONTEMPT OF CONSENT ORDERS FILED BY CFPB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX minutes ago ) to me, XXXX XXXX afternoon, I am coordinating the hearing for the Motion for Summary Final Judgment, please review the below hearing dates.
XX/XX/XXXX ( Monday ) XXXX XXXX XXXX min XXXX XX/XX/XXXX ( Tuesday ) XXXX XXXX XXXX min XXXX XX/XX/XXXX ( Tuesday ) XXXX XXXX XXXX min XXXX XX/XX/XXXX ( Wednesday ) XXXX XXXX Please note if we dont hear from you by the end of the day Monday, XXXX we will be moving with setting it at our convenience Thank you XXXX XXXX Legal Assistant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX Tel : XXXX EXT XXXX Fax : XXXX
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| 08/20/2019 |
Yes |
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Web |
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My mortgage was sold to rushmore loan. I sold my home after 2 years. My refund escrow check has become an issue. It's been over 3 months and I have not recieved it. According to rushmore they have sent it 3 different time but are unable to provide any type of verification or tracking numbers. I called immediately after selling my house in XX/XX/2019 to inform them of my new address to receive my refund. Month later I called again to see where it's at and I was informed it was sent to my old address I would need to update my address. Which I did again .I spoke to new owner and asked if I had by chance got a letter that for some odd reason didnt get forwarded like every other piece of mail. I called again XX/XX/XXXX to ve told they mailed and I should have gotten it by now . They will cancel and reissue again . I called yesterday XX/XX/19 to be told it would be escalated after being told it was escalated on the XX/XX/XXXX. I called today XX/XX/19 and after requesting speaking to the manager . The same girl came back on the phone with a basic script please wait 10 business days . I asked not to speak with her as I wanted my concerns to be heard by a supervisor or manager and XXXX put my on a slight hold and hung up. I called back immediately and asked to speak to a XXXX office branch. I have all conversations recorded. As I felt I've been getting the run around. I today am told it will take another week to be approved. To call back next week" monday by latest "I have requested a tracking number as of last monday XX/XX/XXXX on this next check they are sending . She acknowledged that as it was in the notes.
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| 08/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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on XXXX XXXX XXXX I found the XXXX XXXX payment to Rushmore Loan Management services had not been posted. I was notified my payment was overdue, and I was being assessed a {$15.00} late fee.
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
I went on the Rushmore website and sent them a message : XXXX XXXX XXXX XXXX XXXX ( PDT ) On XX/XX/, I scheduled a payment of {$1100.00} with my bank. On XX/XX/XXXX, the bank reported it was processed, and paid. I have an inquiry in to the bank about this, but I have a printout of my banks ' report the XXXX XXXX payment was made. Is there any chance it was mis-applied when it arrived? Thank you.
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
On XX/XX/XXXX, I received an answer : Payment Rushmore Agent XXXX XXXX XXXX XXXX XXXX We can accept partial payments ...
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ..
On XXXX XXXX, I sent this message via their website : On XX/XX/, I sent a payment to you through my bank, XXXX XXXX XXXX. They confirm the money was, indeed, sent to you.
They provided a tracking number - XXXX - to prove the money was actually sent.
Please find and correct the problem you seem to have at your end, and credit my payment.
Thank You, XXXX XXXX ( XXXX ) XXXX Rushmore Loan management Services LLC XXXX. XXXX XXXX XXXX XXXX, CA XXXX
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| 05/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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In XX/XX/XXXX I applied for a home loan and was told by the bank Rushmore Loan Management services was reporting that my mortgage was still open and I was over 120+ days past due. I have never paid my mortgage late. Rushmore loan serviced my loan from XXXX until XX/XX/XXXX. They sold/transferred my loan in XX/XX/XXXX. I filed a dispute with the credit bureau and received an email telling me the dispute was resolved in my favor. I figured I would wait a few months and then followup with the bank to allow time for my credit score to reflect the changes. Fast forward to XX/XX/XXXX, the bank told me that my XXXX report is showing XXXX reporting a 90+ days late payment in XXXX of XXXX. I paid to have my credit pulled to see the XXXX report myself and sure enough it is there and it is also showing on credit karma as a 90 day late payment in XX/XX/XXXX. I am assuming somehow that month was overlooked by Rushmore? I contacted XXXX and was told they only report information that they receive directly from XXXX and cnnot edit information on the report. I contacted XXXX and I was told there is nothing to dispute. I contacted Rushmore loan services and was told they would look into the issue. Then I received a letter in the mail that states " Rushmore loans services does not grant courtesy credit corrections. Our records indicate that the loan is reporting accurately and no correction is required. '' This negative payment history is affecting my XXXX credit score and my XXXX score which is inturn increasing my interest rate. Please see the attached documents pgs 136-138 shows negative payments marks under XXXX.
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| 01/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Rushmore loan management services is not accepting any paymens at all from me, i am only 2 months behind in payments and they have already started forclosure proceedings which they claim a foreclosure letter has been issued. i have been trying to make my monthly mortgage payment to not go more than 2 months past due until i file my taxes to get my refund and to pay current but they refuse to take any payment whatsoever. they state only if i pay the current mortgage ( which isnt due yet til XX/XX/XXXX and the 2 month past due. they are intentionally trying to forelcose by not accepting a mortgage payment to escalade to trustee sale to foreclose. the rep stated there are notes on her account that i have a large amount of equity and to only accept full 3 months payment only, they are rushing to foreclose asap because they know amount of equity i have. this just happended on XX/XX/XXXX when i called to make 1 mortgage payment and they refused. my mortgage got transfered to rushmore loan management back on XX/XX/XXXX and they raised my new mortgage monthly payment from XXXX to XXXX per month with out any notice at all, and now they are refusing to allow me to pay. please some get involved becuase they are threating to foreclose because of my equity i have. im only 2 months past due and theyare not allowing any payment whatsoever unless i pay the current mortgage not due yet and the 2 months past due. please, this is urgent! i will get my payment caught up once i file my tax returns but they still have not sent my mortgage interest 1099! they stated will not be sent until next month when they all go out
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| 04/20/2023 |
Yes |
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- Trouble during payment process
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Web |
Older American, Servicemember |
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In XXXX of XXXX my mortgage was being serviced by XXXX XXXX. I contacted XXXX XXXX because I was attempting to bring my mortgage to under 90 days late in order to seek refinancing elsewhere. As per the instructions of XXXX XXXX I sent a psyment to them in the amount of {$1000.00} to be used with the existing escrow refund of {$1200.00} that XXXX XXXX said was being held in unapplied funds. Per the agreement the {$1200.00} would be applied as a payment toward the XX/XX/XXXX payment along with the {$1000.00} I sent in. This then equaled a total payment bringing the account under 90 days late. However, on XXXX XX/XX/XXXX a pyment that had already been posted to the account was reversed and once again applied on XXXX XX/XX/XXXX. When my mortgage did not show as under 90 days late on my credit report I found that there never was an escrow overage and that my Eescrow that was paid in XXXX was used to hide this error. At this po0int in time I asked to be put in the Home Preservation Program to seek a modification to me mortgage. On XXXX XX/XX/XXXX the first filing of foreclosure was submitted in Violation of the Federal Dual Tracking Law. Additionally, the dsappearance of my escrow funds was never truthfully explained and the sevicing of the loan was tranksferred to XXXX in XXXX of XXXX with inaccuracies in the total owed. Additionall, charges were added that violated the Cares Act. My mortgage was in forbearance until 1 XX/XX/XXXX when foreclosing was once again started in XXXX of XXXX which is strictly forbidden by the Dual Tracking Act along with missed payments sent to the credit reporting agencies.
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| 05/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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this is my second complaint. i have been sending documents along with the updated application for several months now and every time I send in the list of documents needed, they keep saying something different when I call in for a status update. I even include the list of documents that the emailed me on missing documents. I recently called again after submitting everything on the list sent to me and now she is stating that I still have other documents. I feel that this a stall tactic for time to run out.
I never received any document for court for foreclosure they just kept asking for more documents.
I didn't find out that my home was in foreclosure status until people kept calling asking did I want to sell my property before foreclosure take place. they are the one that gave me my foreclosure date, the I called the mortgage company to confirm this information. I then asked why I hadn't been notified with all of the calls and communication I have had with them. they said it was sent in the mail and I never responded. I informed them that it was because I never received any notice. Had I had received this noticed I would mentioned it in the many conversations we have had trying to complete the modification application.
i have submitted the documents she stated I need this last call last week, however she refused to email me a list of missing documents this time. She stated she couldn't and I informed her that the representatives that I have spoken to in the pass sent me a list so I would be able to know exactly what I need. So I did send in what she said I needed on both of loan accounts
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| 09/10/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Our mortgage was transferred from XXXX to Rushmore Loan Management at the beginning of XXXX. We received a request in XXXX for our HOA condo insurance declaration, which we submitted to Rushmore 's vendor imcovered.com/rushmore. I uploaded the hazard insurance declaration and received an email confirmation that it had been successfully verified.
In early XXXX I received another notice asking for verification and again uploaded the hazard declaration to imcovered.com/rushmore. Again I received a confirmation that it had been successfully verified.
On XX/XX/XXXX I received a letter from XXXX stating that hazard insurance had been added to my account and I needed to pay an extra {$120.00} starting in XXXX! I spoke with " XXXX '' in the insurance department and was told they couldn't verify the insurance from the declaration, so I gave them the number of our insurance agent and he said he spoke with them and verified our coverage.
Afterwards, we received a letter stating that our payments starting in XXXX included the insurance premium of {$120.00}! I called and spoke with " XXXX '' who said we needed to provide our personal condo policy declaration page, which I did. Today I received a letter that we were receiving no refund and on the phone, " XXXX '' said we owed {$580.00} for the " time the policy was in force at the beginning of the year. '' This is extortion! We proved that our policy was in force since XX/XX/2019 and I don't know if this is some kind of collusion between Rushmore and " XXXX XXXX '', their insurance carrier, but it is not a productive way to maintain customer service.
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| 03/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Received trial modification from XXXX XXXX XXXX XX/XX/XXXX. Made trial payment XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The mortgage servicing changed from XXXX XXXX XXXX to Rushmore Management services XX/XX/XXXX. Never received the permanent modification agreement from XXXX XXXX XXXX. but I did receive property foreclosure notice from XXXX XXXX XXXX with a sale date for XX/XX/XXXX. Rushmore Management was in receipt of my 3 payments that were sent to XXXX XXXX XXXX but they tried to foreclosure on my home. How do you foreclose on my home and I've made the required Trial payments It is very apparent Rushmore refuse to honor the previous trial payment agreement with XXXX XXXX XXXX. My mortgage payment has doubled with Rushmore and they have refused to base my mortgage payment on my current income. I've attached documents reflecting the unfair servicing practices of Rushmore. One of the documents they mailed reflect my mortgages payments from the trial payments and another document reflect no payments the same trial payment months.
Rushmore assigned XXXX XXXX as the relationship manager. She expressed her negative personnel opinion several times while processing my documents. I don't want to lose my home, I feel I'm being passed from mortgage servicer to servicer and no one is trying to correct the mishandling of my mortgage servicing. I want to make my mortgage payments. I feel I'm being discriminated against and I'm a victim of bad mortgage servicing practices. I'm requesting proof the permeant modification agreement was mailed to me for my signature, because I never received hose documents.
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| 10/04/2021 |
Yes |
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- Trouble during payment process
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Web |
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Spoke to XXXX this morning and he did state that he did not want to debate with me on the issue. Called back and got another representative who has submitted a dispute and I uploaded my concern to the portal as well. Reached out to HUD and they stated the lender is responsible to retain the correct and adequate information and that CFPB would oversee any issues. Below is my concern.
To whom it may concern~ I contacted Rushmore today in regards to two items. As it relates to the first item, the customer service representative has requested an investigation and I am following up in writing to also recap the issue.
1. Loan # XXXX was closed on XX/XX/XXXX and funded on XX/XX/XXXX. Your system reflected as closed and payment received on XX/XX/XXXX in your system. On XXXX XXXX, XXXX and XXXX XXXX, XXXX there were payments made reflected as a line item for FHA MIP monthly premium payments in the amount of {$220.00}.
The new loan in which you were servicing loan # XXXX, since this was a FHA streamline refinance, had the first payment due XXXX, XXXX. On XXXX XXXX, XXXX there is a line item that also reflects a FHA MIP monthly premium payment in the amount of {$220.00}.
I would like for this to be addressed and the fund issued out immediately to me. I contacted HUD resource in regards to this matter and they stated as a lender you are to maintain the adequate records as it relates to these payments.
2. Loan number XXXX was paid in full XX/XX/XXXX, reflecting an escrow balance of {$270.00}. Please ensure that funds are returned to me or documentation as to what these funds were applied to.
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| 02/11/2020 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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We are having a major issue with Rushmore Loan Servicing. We were having having a Loan modification process through Rushmore London Secing Loss Mitigation Department. Oue Sole Point of Contact is Mr XXXX XXXX. On XX/XX/XXXX my husband XXXX XXXX XXXX received a call from Rushmore initiated by Mr. XXXX XXXX. XXXX XXXX started expressing his feelings how that XXXX people were being mistral ed by XXXX people. How XXXX were getting the end of the sticks. XXXX were being treated unfairly by XXXX cops. And he himself Was going through the same problem his loan house was being foreclosed on and so and so forth. When my husband told him that he was XXXX with a XXXX wife the conversation stop. This was the last conversation he had with Mr XXXX. Ever since our calls were not being answered we were ignored no matter how much we call no returned phone calls. We called Mr XXXX supervisor Ms XXXX XXXX no returned phone then Rushmore proceed to Foreclosed. My wife XXXX XXXX had to file for bankruptcy in order to stop the foreclosure. The process restarted and we felt that we were being played. No one at Rushmore wants to discuss any subject besides foreclosing. We finally got in touch with XXXX XXXX upper management for Rushmore and we explained that the investors wanted to charged off the mortgage since we have overpaid for the property before the market bubbled in XXXX. Our intentions is not to get a free bee we just want fairness now we are being foreclosed again on XXXX of this year. We need help and feel like we are being discrimated against because we are an interracial Couple. Please help us.
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| 11/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Purchased Home XXXX XXXX Month Later Rushmore Purchased loan.
Began payments XX/XX/XXXX with compounded taxes and insurance as usual.
10 months later after paying for insurance tried to make a claim for a burglary.
Contacted Rushmore XX/XX/XXXX to confirm Insurance policy # they had on file.
After confirming contacted XXXX and found out that Rushmore had the wrong policy number on file and that the correct policy number was canceled in XX/XX/XXXX. This is Negligence.
I got an email from an XXXX agent confirming I had insurance in XX/XX/XXXX covering XXXX.
Contacted XXXX to correct the issue and was ignored for weeks. Have emails and left phone messages and got no response or resolution.
Then XXXX XXXX hit and she still did nothing to help before. Heard from her after.
Now I have 2 claims that I don't have insurance coverage for that I thought I did. This is Fraud.
XXXX told me I had to get forced insurance through Mortgage and 2.5 times as much to cover.
Was misled in emails that this insurance would cover both claims. Added to the agreement that I was not at error or responsible and only agreed to the waiver if I received the same coverage and cost I agreed to and was fraudulently paying for.
After 3 weeks I got a call saying the insurance doesn't cover the Burglary. Complete deception.
Now they are acting like this was my fault and ignoring me.
I am not responsible for this problem but am being punished for it.
I demand that I get the insurance coverage that was contracted for.
This is negligence and fraud on behalf of both the XXXX broker and the Mortgage company.
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| 06/19/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/2019 my mortgage was transferred from XXXX XXXX to Rushmore loan management services LLC. When I received the letter informing me that my account had been transferred I called Rushmore to inquire about making a payment. My new account number was not on the letter that they sent me so I asked them for my account number. They provided me with an account number of XXXX. I made my payment through my online XXXX checking account and it posted to my account on XX/XX/2019. Rushmore has not been able to confirm that they have received my payment. They told me that they made a mistake when they told me my account number and that my account number is actually XXXX. They are saying that I will incur late fees now because they still have not received the payment for XXXX. They are also telling me that this could take weeks to fix. I am concerned because if they do not acknowledge my payment within the next 10 days then they will mark my mortgage as being 30 days late. I need confirmation from Rushmore that they have received my payment and that they have credited the payment to my proper account number for XXXX XXXX XXXX, XXXX, MD XXXX. I need confirmation that I will not incur any late fees because I did in fact pay my mortgage before the XXXX. In the future Rushmore should send an initial statement to transferred loans that has the account number on the statement. I do not know what to do. From my research online Rushmore has a history of poor customer service and I am not confident that they are able or willing to correct this problem before they mark my mortgage is 30 days late.
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| 11/02/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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I purchased my home in XXXX XXXX via a conventional mortgage. The sale price was {$300000.00} and I borrowed 90 %. A condition I ensured was in my mortgage agreement was that I could get rid of my Mortgage Insurance if an appraisal valued my home at 80 % LTV at any time. I applied to have my home appraised in XXXX XXXX as all other condos were selling above {$350000.00} in my building. The lender then transferred to Rushmore in XXXX XXXX before an appraisal could be ordered. Rushmore then tried to deter me from actuating cancellation of mortgage insurance saying that I needed to wait 5 years of payment history. I had them verify my mortgage terms and see that they were wrong. They then ordered the appraisal in XXXX XXXX. The appraisal valued the home at {$340000.00}. My principal balance was {$260000.00}. 77.49 % LTV. When I called on XXXX XXXX to have my mortgage insurance cancelled, they said that I needed to be at most 77.5 % in order to cancel. I told them this violated my mortgage agreement and that my principal balance indeed qualified. They did the math and told me they would get back to me in 3-5 days. It is now one week later and 5 months of attempting and no resolution. Rushmore illegally moved the cancellation goalposts and have made it overly cumbersome. This is a predatory lender. I am a XXXX veteran. It was clear they were only putting up obstacles to avoid cancellation rather than just honoring the loan agreement. Besides, I have enough equity that their asset is relatively safe- there is no need for mortgage insurance. It is just extra revenue they will fight for.
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| 12/06/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My loan was recently transferred from XXXX XXXX XXXX to Rushmore Loan Management about a year ago. During that time XXXX sent me a letter that my loan was being transferred to Rushmore and the only thing I was instructed to do was submit my payments to Rushmore home loans, which I did. I received my statements for the first six months and made my payments on time. Shortly after I stop receiving my statements from Rushmore Loan Management. I called to notify Rushmore in regards to not receiving my mortgage statements, in which I 'm entitled. I spoke to a manager and notified him that I was not receiving my statements. The manager informed me that I was in a chapter XXXX bankruptcy, which was discharged XXXX years ago. I then asked the manager how I could start receiving my mortgage statements again in order to submit my payments in a timely manner, also, to have for my personal records. The manager told me to write a letter to give permission to Rushmore to send me my statements, which I did diligently. In addition, I attached my payment for XXXX XXXX. Rushmore sent me a letter in return that they received the letter I sent and payment, and told me they would get back to me in 30 days. Today XXXX/XXXX/XXXX I received a response in lieu of my request indicating that they are not able to send me my statements due to my Chapter XXXX bankruptcy. After my conversation today with another manager, they refused to send me my statements regardless of any legal documents and or receipts I send them. As a consumer I am entitled to receive my statements when submitting money to any company.
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| 06/19/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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I have a home equity line of credit that Rushmore loan Management Services took over last year. I had a payment due on XX/XX/XXXX of 2019 for {$140.00}. I made a payment on XX/XX/XXXX with check number XXXX on my checking account and the Credit Union says that that payment was taken out of my account on the XXXX of XXXX. Rushmore has called me on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX claiming that I did not make my payment for XX/XX/XXXX. On XX/XX/XXXX I spent hours on the phone calling and trying to reach someone at Rushmore. After calling them 29 different times I was finally transferred to a supervisor named XXXX XXXX. XXXX admitted that they showed I made a payment of {$140.00} on XX/XX/XXXX. He stated he would have to look into it and get back to me. XXXX gave me his name phone number and extension I've tried to call him back three different days never been able to reach him or a voicemail for him. I made the payment for XXXX my bank shows they took the money they admit they took the money and they continue to harass me every single day claiming that I owe them {$140.00} for my XX/XX/XXXX payment. This is not the first problem I have had with Rushmore they tried to do the same thing to me with my XXXX payment also they tried to charge me hundreds of dollars a month in XXXX and XXXX for hazard insurance after I proved to them months before that I had Hazard insurance on my property. Trying to reach anyone at Rushmore loan services that can help you is impossible. The only people you can get a hold of are in the XXXX.
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| 01/31/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Dear Sir/Ma, I am writing to dispute information on my credit report to be accurate under the FRCA. There are several this on my report is not correct. Starting with XXXX XXXX that account is reporting wrong. The first thing is why were they reporting charge off after my charge off date. This account was charge off in XXXX but they reported every month in XXXX c/o. The other issue is why are they showing a balance when it was charge off. I want this account removed off my credit report under FRCA guidelines. The other account is with XXXXXXXX XXXX XXXX XXXX. They report my charge off date is XXXX actual my charge off date is XXXX. Why they were reporting every month after that c/o. That does not make sense to report c/o every month after that. They are violating my rights under FRCA guidelines. Please delete this from my credit report. This is another company I am having problems with. I was on a payment plan to get caught up on my loan but they were not to report me being late on my credit report, It was in the year of XXXX XXXX, XXXX, XXXX, XXXX. Please delete this from my credit report due to reporting wrong on my credit report under the FRCA guidelines. XXXX is another one why if this account was charged off in XXXX, why would you report after that date c/o every month after that. I should have one c/o date. Please delete this off my credit report. under the FRCA. It is paid now. The other one is XXXX, I only should have one charge off date not several. Why would you still report c/o after my charge off date. Please delet this from my credit report under FRCA guideline.
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| 10/07/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Dear Consumer Financial Protection Bureau. I currently have a foreclosure sale date scheduled for XXXX XXXX, XXXX this is a very urgent matter. I have a complaint about my current loan servicer which is Rushmore Loan Management Services, LLC. Let me begin by explaining my situation from the past to the current. My loan originated with XXXX XXXX. I was paying XXXX XXXX around {$1600.00} towards my monthly mortgage up until the collapse of our economy. From there they sold my loan to XXXX XXXX. I was behind and applied for a loan modification they gave me the loan modification and I paid them the three trial period payments. After I paid XXXX advised me to keep paying them. I continued to pay XXXX for at least 18 months but around that time I received a letter saying that my home was under foreclosure. This was a huge shock to me as I have paid and was still paying XXXX for what I believe to be was a loan modification. My loan once again was sold to another servicer this time my current one Rushmore Loan Management Services, LLC.
I have applied with Rushmore Loan Management for a loan modification and sent them all required documents to be a completed packet for a loan modification. Rushmore loan management has all required documents and packet is in review.
.Im worried that this company will either take my money and they sell my loan to another servicer or just foreclose on my home even after having all required documents for a loan modification. If Rushmore Loan Management Services, LLC foreclosures they will be in violation of the California Homeowner Bill of Rights Act.
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| 03/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In 2015 I filed two claims to XXXX insurance company. I hired an attorney. At the time XXXX sent out a check for {$8300.00} for repairs. After case settled XXXX insurance co send two checks for repairs of the house. I endorsed the checks and send them to XXXX loan servicing company. The funds where deposited into a restricted escrow account. The total amount of funds for the two claims in this escrow account is {$44000.00}.
I received the initial check from XXXX insurance company for {$8300.00} and two other checks one for {$21000.00} and other for {$15000.00}. I received two initial disbursement checks one for {$15000.00} and a second check for {$2300.00} from Rushmore loan servicing for house repairs. Now 75 % of the repairs are done and an inspector sent by Rushmore loan serv center has confirmed 75 % of the work is done. On the website where I log in to see my claim its called XXXX/Rushmore.com. I see they have the incorrect amounts of disbursement and remaining balance. They have the remaining balance as {$18000.00} and that is incorrect. They have the total disbursement as {$26000.00} and that is incorrect. The amounts are inverted. The file owner informed me that the disbursement to be send out since the inspection has been done will be {$13000.00} and that is because they are taking the 75 % from the incorrect amount of remaining balance. Please help. I owe half of the repairs plus I have to pay kitchen cabinets and counters.
Rushmore is incorrectly handling the escrow account. The deposits from XXXX insurance are for repairs of the house.
Thank you, XXXX XXXX.
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| 04/18/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My mortgage used to be with XXXX. They sold it to Rushmore Loan Management Services last XXXX. I received a letter from Rushmore in XXXX or XXXX saying they needed proof of current hazard insurance. I received another letter from them in XXXX saying they needed the proof or they were going to buy insurance and charge me for it. I got the proof from my home owners association and submitted it online. I received an email saying it had been accepted. Two days ago, XX/XX/XXXX, I got a final notice letter from them saying they've already bought the insurance and I have to pay them for it. How is it a final notice if they've already bought the insurance? I called them yesterday and was told that what I submitted online was not sufficient. They want my unit number on the master policy. I tried to explain to the woman I spoke to that it's a master policy, it covers every unit in the complex. That didn't work. So I'm having to jump through hoops with my associations insurance broker to get this taken care of. I think their request is ridiculous and unreasonable. And I think it's a way for them to charge me for insurance I don't need. I feel like I should get an attorney because I can almost guarantee you they're going to want me to pay for their insurance. What a scam. They also wanted my personal homeowners policy. Why do they need that?
Please read the reviews on XXXX for this company. Clearly there is something very wrong going on there. I shouldn't have to refinance my mortgage loan because of a crooked mortgage company. And I will not pay for their stupid insurance.
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| 08/13/2018 |
Yes |
|
- Trouble during payment process
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Web |
Servicemember |
|
I am writing in response to Rushmore Loan Servicing Response dated : XX/XX/XXXX regarding my CFPB Complaint : XXXX. I am requesting that my loan be transferred to another Loan Servicing Company. Your Response on XX/XX/XXXX is still full of lies and misconceptions and is still Retaliatory and I will be escalating these issues to VA & Congress.
We did complete a Loan Modification Application with XXXX XXXX who placed our account on a Forbearance through XX/XX/XXXX and transmitted this information to you. Also, your letter that you referenced in reply to this complaint - XXXX does not explicitly state that date which has been communicated to Rushmore Loan Management Servicing over 15 times via, email, phone, and CFPB Complaints. These statements contradict your false accusations, as if we did not complete a Loan Modification Application.
Secondly, I have attempted to get in contact with XXXX XXXX over 5 times and have left 2 Voicemails on last week with no reply. I also called today and receive voicemail and had to be transferred to her again by another Representative. Why do you assign accounts to Representatives who have not intentions on reaching out to the Consumer. I was trying to reach her to levelset and touchbase on my status, but there was 0 attempt to reach back out to me.
I am requesting that my Loan and Forbearance status be reassigned to another Loan Servicing Company which has our best interest in mind without polluting lies and stall tactics when we are making concerted efforts to speak with a viable experienced Loan Modification Representative.
|
| 04/20/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I have been trying to resolve payments issues with my Loan Service Co, by I have not gotten a response.
Here is my last communication with Rushmore : XXXX XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX XX/XX/XXXX at XXXX XXXX Hello, I have been trying to get a response regarding the rejection of a payments send on XX/XX/XXXX in the amount of {$10000.00}. I never heard from you or other Rushmore Loan Management employees regarding my request. I have requested repeatedly from XXXX XXXX, but he has gone into silent mode now, perhaps with the intention that all be be forgotten on my side.
Additionally, Rushmore Loan Services keeps adding late fees to my account, continues reporting me and my wife to the credit bureaus for nonpayment, and is still adding taxes and insurance to the bill at a time when I have sent proof of payment of Real Estate Taxes.
Specifically, although I made another payment in the amount of {$10000.00} on XX/XX/XXXX that is not reflected in the mortgage statement thereby my bill for the month of XX/XX/XXXX amounts, incorrectly though, to {$12000.00} with late fees totaling {$180.00}.
After I failed in my repeated attempts to reach XXXX XXXX, who did not respond to my calls, in my last conversation with you, you personally to remove late fees and resolve other issues related to my account.
Please respond to me request and resolve the billing issues. I have attached two documents with this email showing payment in my side and a bill that does not reflect my payments Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX T. XXXX
|
| 03/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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The Rushmore Loan Management Services LLC holds the loan on my mother 's house. The property is being sold " as is '' because she can no longer financially carry the house or manage it. There are two departments at Rushmore the Loss Draft and Loss Mitigation departments. We are currently dealing with both.
The problem is that the two departments are not in agreeance on how we should resolve our situation. The contractor should be paid by Loss Draft for his work which Loss Mitigation wanted done before they could proceed with the sale of the house. Rushmore Loss Draft is refusing to release the funds. And Loss Mitigation will not accept or process any offers if all issues are not resolved prior to it coming to their table.
The longer Rushmore turns down offers, the worse the situation becomes for this inner-city house. The house is vacant now and has been broken into several times. We have called repeatedly but we have been refused a three-way conference between the seller and the two departments.
They have repeatedly given us excuses as to why they can not provide funding. Rushmore agents never give us the same information twice. They will not put things into writing and have even called to say they gave us the wrong information and will not honor the cash amount they said they would offer the contractor because they did not read their own notes clearly. This is very unprofessional and unacceptable and should be addressed immediately.
There is a huge disconnect between the two departments which ultimately leaves me, the seller, at a loss and at a stand still.
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| 09/25/2018 |
Yes |
|
- Trouble during payment process
|
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Web |
Older American |
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In XX/XX/XXXX we signed a HFA refinance that contained a 60 month " Monthly Insurance Premium ''. The original mortage holder was XXXX XXXX XXXX XXXX That loan was subsequently sold to XXXX XXXX XXXX XXXX and then to Rushmore Loan Management on XX/XX/XXXX.
I have contacted Rushmore on several occasions, plus sent them copies of our mortage that definitely shows that the " MIP '' was for 60 months only. Our paperwork indicates that as of XX/XX/XXXX we no longer have to pay a monthly " MIP '' premium.
Rushmore will not honor this paperwork and continues to assess us a monthly " MIP '' premium. They state that our loan principal is not at 78 % " LTV, base upon the XX/XX/XXXX property appraisal that was performed after our renovation work had been completed, therefore our monthly insurance premium can not be removed.
I keep explaining to Rushmore that our paperwork was processed prior to the XX/XX/XXXX " MIP '' changes and that our " MIP '' is only for 60 months, but they will not tell me why they refuse to honor the documentation that I submitted to prove this statement.
Rushmore further states that since our mortage is FHA, we can not even request a property re-appraisal.
At this point, they now tell me that they can no longer help me, nor do they send out the documentation that they say they will send. All contact with Rushmore representatives has been not only confusing, time consuming, but extremely frustrating as well.
Please review my documentation and advise if I am correct in my assumption that we should no longer owe a " Monthly Insurance Premium ''.
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| 08/20/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
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I have filed two previous complaints beginning XX/XX/2018 with NO RESPONSE of resolution! Each company continues to blame each other ...
Complaint # XXXX Complaint # XXXX I have a FEDERAL Hamp loan that offered an incentive program for Payments made on time. AND I was offered a RECAST AGREEMENT from XXXX XXXX to be executed by XX/XX/2018. Both were completed and executed on time as agreed. My loan was then SOLD to Rushmore. I followed up with Rushmore and they sent back a letter stating that they would have this matter resolved within 15 days of the date of response to the CFPB on XX/XX/2018. Still waiting ... ..NO response!
I have called and spoke to both contact persons representing my case at each lending institution and can not get this matter resolved.
XXXX XXXX at XXXX XXXX has clearly stated that Rushmore MUST pay the $ XXXX per the Federal Hamp Guidelines. He stated that he made these notes in my account so that it was documented on my behalf. His direct line is XXXX Ext. XXXX When I spoke to XXXX in the Legal Department at Rushmore she stated that she did not understand why it was taking so long for someone to respond to her request. That she would have to check with Loss Mitigation to see if they could help her. She suggested that I file another CFPB complaint to protect my interest. Her direct contact information is XXXX direct line.
I request for a full audit of this transaction and to finalize this within 10 days effective immediately. It is a federal law that my loan be credited the $ XXXX as agreed by the Recast agreement that was executed.
|
| 11/19/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
XX/XX/XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX.
RE : XXXX XXXX XXXX
Property Address XXXX XXXX XXXX, XXXX XXXX, FL XXXX Loan Number XXXX.
CFPB XXXX XXXX
.
Dear Rushmore Loan Management Services..
I am writing this complaint in reference to my original complaint # XXXX, filed against Rushmore Loan Management Services ( RLMS ) on XX/XX/XXXX, RLMS replied on XX/XX/XXXX, with a 116-page report. However, they failed to address my questions and concerns written in my original complaint. On XX/XX/XXXX, I filed a complaint with the Consumer Financial Protection bureau ( CFPB ) against XXXX concerning the way my loan was managed after it was transferred to their organization on XX/XX/XXXX.
After reviewing the 116-page report that XXXX provided in their letter XX/XX/XXXX, they provided history on my account dating back to XX/XX/XXXX. However, in their letter they claimed that I provided a written application with financial information for a loan Modification and a Trial Pan that I never requested. Since XXXX insist on saying and writing this bogus claim, I am requesting written proof of the allegation dated XX/XX/XXXX.
..
Also, this complaint includes copies of letters either faxed or mailed to XXXX, and in their letter XX/XX/XXXX, they never addressed their failure for not following the XXXX guidelines. They simply ignored my letters dated XX/XX/XXXX and XX/XX/XXXX, by talking about my two letters dated XX/XX/XXXX, and XX/XX/XXXX, to stay in compliance with XXXX. Please review a copy of the XXXX letter dated, XX/XX/XXXX..
|
| 01/17/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I was divorced XX/XX/XXXX. XX/XX/XXXX at the time of separation from my ex, I did not have a job and missed XXXX mortgage payments. My ex later filed bankruptcy. XXXX, the original servicer, sent me all sorts of paperwork for resolution ... none of them were an appropriate option as either I could not qualify, or it would increase my payment. Once I started working, I set up auto payments through my bank. Never missing a payment, or being late since then. XXXX, after telling them my story continued to harass me in the form of false credit bureau reporting that I was consistently 3 months behind and charging late fees for several months which they did not remove, and additional monthly fees for inspection reports, etc. I wrote to them without resolve. They did NOT even respond to me!!
Beginning XX/XX/XXXX, my loan was sold to a new lender and was also assigned a new servicer, Rushmore Loan Management. Now, I recently received an intent to foreclose notice and I have NOT even missed a payment with them. This has ruined my credit score and caused me much XXXX. The mortgage company has sent people out to my property taking pictures which I find not only inappropriate, but harrassing. They have NO reason to be doing this. My payments are timely and even though I do not have escrows, my Insurance and Taxes are ALWAYS paid on time.
Please help me get this problem corrected. I would like all the late fees and inspection fees that I did not authorize removed from my account. Also, my loan is being reported now as over 90 days past due, which is NOT the case.
|
| 02/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Previous to this incident I have never had a missed payment or any issues so this is my first incident with the company. I am currently undergoing treatment for XXXX XXXX XXXX XXXX XXXX and because of this was given a {$500.00} check from the XXXX XXXX to help towards my mortgage. On XX/XX/XXXX I sent the check for {$500.00} along with the remainder of my mortgage payment by personal check in the amount of {$730.00} to total the payment for my XX/XX/XXXX mortgage. Unbenounced to me, Rushmore sent the {$500.00} check back to XXXX XXXX claiming they were unsure how to apply and held my personal check in a suspense account. Nobody ever called me to tell me about the mistake I only found out the issue because somebody was taking pictutres of my home related to Rushmore and I called them myself to figure out what had happened. I was able to get the XXXX XXXX to cut another check and sent it in again to Rushmore with a detailed description of how the mistake had occurred and how to apply this check to clear up the XX/XX/XXXX payment. This was sent in XX/XX/XXXX. I have no received multiple letters about how they are starting the forclosure process on my home if I do not pay the balance, but they have the money to cover the payment. I have called and gotten no return phone calls and they are unwilling to help. I need them to apply the payment that they have and stop the forclosure process. It is very sad that this all started because a foundation was graciously trying to help me during this very difficult time in my life. Such a travesty and we need help.
|
| 08/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
On XX/XX/2020 my home had roof damage from a severe thunderstorm. I immediately contacted my homeowners insurance to file a claim. I had 3 roofers give me estimates for the damage and I submitted a bid from the roofer I choose. My insurance approved the estimate of {$9700.00} minus the {$1000.00} deductible. On XX/XX/2020 I received a partial payment check for approximately {$5900.00} and the insurance company said the balance would be paid upon completion of the roof. The check was written to me and my mortgage company. I contacted my mortgage company and was told via phone to mail my check to them and they would endorse it and return the check to me. Over 2 weeks later they mailed back the check ( not endorsed ) and stated I and the contractor had to submit 14 pages of forms, I had to endorse the check and sent all the information back to them. I submitted all the required forms and returned the insurance check which I endorsed and the mortgage company received the package on XX/XX/2020. I called the mortgage company every other day and spoke to 4 CSRs 2 supervisors to get them to send a check to pay the roofing contractor. I have finally received a check of {$2800.00} on XX/XX/2020. Now I have to go through another lengthy process for them to release more funds. I am living with tarps protecting my home and we have had several severe storms including a tropical storm and fear additional damage to my homes interior. In addition my roofer is understandingly not happy since we have had to postpone repairs due to my mortgage company 's delays.
|
| 02/23/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
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I have been trying to get a loan modification from XXXX XXXX XXXX since XX/XX/XXXX which the loan has now been bought out by Rushmore Loan Management Services. While it was with XXXX XXXX XXXX, after asking for help I was told I would have to skip XXXX payments which I did and then they would talk to me about helping me. They then sent me a letter telling me what I needed to send them which I did and to start making my payments again which I did. They said I would here back from them within 45 days. Before the 45 days were up they put us in foreclosure and never let us pay again even though we could make the payments and made us accrue over {$100000.00} in interest since XX/XX/XXXX. I have an attorney working on this with me. The last correspondence we have had from them was in XXXX XX/XX/XXXX which is well beyond the 45 days that they should have responded to us from the offer they gave us and our lawyer wrote back to them. This has been a continuing problem with this bank and has gone on way to long. This bank ignores our attorneys phone calls and we feel it is time the bank responds to us and our attorney. They have destroyed my credit letting this go on for so long. It is the banks responsibility to get back to us in a reasonable time frame and they are not doing that. I just want to hopefully receive this modification and finally move on with my life. I do n't feel the bank should have the right to keep this up in the air without any correspondence at all. I just want them to do what they should do in the correct amount of time allowed.
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| 07/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In early XXXX, after the CoVid epidemic affected the economy I, being a XXXX XXXX XXXX, experienced a drastic reduction in income allowing me to qualify for a forbearance period with my home loan through the servicing company as allowed by New York State. My forbearance period ended on XXXX XXXX, after approx 18 mths. during the time of the forbearance, the mortgagor changed servicing companies several times.
In XX/XX/XXXX, I sent a monthly mortgage payment to the servicing company ( XXXX XXXX XXXX ), the check was cashed. Since then, my checks for my mortgage payments for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX have been returned. The reason stated is that I'm in default because I owe all the money accrued during the forbearance period to be paid in full.
I have requested that the money owed be placed at the end of my mortgage ; I have filed loan modification paperwork with both XXXX XXXXd the new servicing company Rushmore LM, and have recently be notified that I've been denied any modification. The loan servicing company is also notifying the credit agencies of my default. My income is presently increasing each month, with this XXXX being rather successful and surpassing the last prior months.
How can I, after being on a forbearance period for 18 mths, having a reduction of income due to mandated shut downs of businesses and the job industry, be able to pay approx.
{$60000.00} in accrued debt? I would like to be able to resume mortgage payments, and have my existing mortgage reinstated, extended if necessary to accommodate the $ owed.
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| 04/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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We are in the process of refinancing, and our current loan company, Rushmore Loan Management will not send over the payoff amount to the escrow Company. We began the process on XX/XX/XXXX and were supposed to close on XX/XX/XXXX. Our broker had to request an extension once, and just had to file another. The broker requested the information and the loan company would not fax it. We called on XX/XX/XXXX to have it faxed the escrow company -- they told us it was sent on XX/XX/XXXX, but the escrow company never received it. The escrow company called to follow up, and Rushmore still did not send it. We called on Monday, XX/XX/XXXX and the company did not pick up the phone, even though we called within business hours ( said they were closed ). We called again and requested it on XX/XX/XXXX -- they said it would be faxed to the escrow company that afternoon, but the escrow company did not receive it. We just want to refinance our loan, but we can't do it because of the negligence of Rushmore.
We had this same problem with them when we tried to get our PMI removed. Rushmore kept insisting they had sent us letters or faxed us information when they had not. I suspect they are printing copies of the letters they write and placing it in our file, without ever sending anything, so they can claim that they did it. It took 3 months to get them to move on removing our PMI -- that was close to {$900.00} that we could have saved.
I just want them to send the payoff amount to the escrow company so we can finish the refinance and have another loan company.
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| 02/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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When I fell behind in the mortgage I was told there wasn't anything I could do due to the mortgage was in my deceased husbands name and the deed was in my name. A finally talked to someone and they suggested I could assume the assume but that I would have to pay the entire back money. I gave up. Once it went into foreclosure status I was told that it qualified for a modification and the arrears would go on the back of the loan. I sent financial packets in and every time, they stated I was missing something ( pages 9-15, out of 15 pages plus attachments. The last packet I added my daughte, being a financial responsible individual in the house and the person taking responsibility for the house. Again they said you didnt have a pay stub and its within the 37 days and the sald is scheduled. The original packet was in on time and it was denied lacking a pay stub. The house sold at sheriff sale and Pennsylvania doesn't have a redemption period. I reviewed my statement sent via email. The home was purchased in 2001 for {$60000.00}. They show I owe {$58000.00} in principle and a total of {$100000.00}. I called XX/XX/XXXX to ask for a last minute miracle and the representative stated if I called XXXX, they could have modified the loan advising I needed XXXX hours. It was Friday the sale was Tuesday and this contridicts the 37 day rule. I am hoping that some miracle and since the bank bought it back I can reinstate the mortgage with assistance. The house needs to be signed over to my daughter, it is the last personal thing she has from her father.
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| 06/27/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have a new mortgage that was taken out through XXXX ( XXXX XXXX XXXX XXXX ). Their service was great. I was advised by them that my loan would be sold to a mortgage servicer once I closed, which was fine. I was also advised on the benefits of setting up bi-weekly payments, which for me is how I have to pay my mortgage to make it fit into our budget. I am the sole provider for a family of XXXX and I make enough for the family to survive and be able to save just enough. Once I received my first bill from Rushmore Loan Management Services I immediately called, more than a month before my payment was due to setup automatic bi-weekly payments on my paydates. I was dismayed when the customer service agent advised that their company does not offer bi-weekly payments and that if I made bi-weekly payments they would hold the funds and not apply it to the mortgage until a full payment was received which is ludicrous. If any payment is made it should immediately be applied to the loan regardless of the amount. Additionally, I should have the option as advised by XXXX XXXX to make bi-weekly payments. The customer service agent stated that they have received several complaints from their customers for a lack of offering bi-weekly payments and that their management staff was 'looking into it '. I hope this complaint serves as motivation to 'look into it ' a little deeper. If a response is not received I will follow up this complaint with complaints to many other government agencies that may have jurisdiction over Rushmore Loan Management Services.
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| 01/13/2022 |
Yes |
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- Trouble during payment process
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Web |
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Rushmore loan management will not provide us with a timely and updated copy of the last 12 months worth of payment history for us to have our new mortgage approved. We filed a notice of error because our payments weren't being debited, this seems to have been updated, but Rushmore will not provide us with paperwork with the accurate updated payment information. They also refuse to communicate through email or written channels, which is very sketchy. We need this information for our new loan and they will not give it to us. Their online portal is supposed to provide thisinformation, but just keeps directing us to their very unhelpful customer service line. We need this information as soon as possible ( 12-month payment history ), and we need it to be accurate. Requesting this paperwork should not be such a hassle, and we should be provided it in a timely manner, considering this is often a part of the loan approval process.
Servicer : XXXXushmore Loan Management Services Name : XXXX XXXX XXXX Loan Number : XXXX Address : XXXX XXXX. XXXX XXXX, PA XXXX Social Security Number : XXXX We have put in a request via fax, with a number that was given to us, and I'm attaching it below.
I'm also attaching previous proof of incorrectly debited payments, from our previous notice of error and complaint we filed. That is the zip file that is attached. The portal seems to have resolved, but again we have no statements or copies of payment history to prove this. I'm attaching screenshots to show the lack of available documents in the portal as well.
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| 05/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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1 - My mortgage was sold by XXXX XXXX to Rushmore Loan Management Services XX/XX/2020. Two months ago I was able to create an account, sign in, make payments etc. Since then every time I try to log in their system fails to recognize the correctly entered log in and password. I've gone through the password reset process 3 times in the last 3 weeks and each time their system is unable to let me into my account.
Issue - their website is trash, won't let user log in, unable to access their accounts.
2. Since my mortgage was purchased by Rushmore Loan Management Services in XX/XX/2020, they have not been reporting to the credit bureaus that I have a mortgage and am paying on it. I called them XX/XX/2020, they said when they take on a loan there is a 60 day period where they do not report to the credit bureaus. I asked her when the 60 day period would end, she said XX/XX/XXXX. I asked if we were past the 60 days and therefore they should be reporting to the bureaus by now, she began asking me questions about my loan from before Rushmore had instead of telling me why Rushmore was not reporting my payment history to the credit bureaus.
3- Rushmore Loan Management Services does not have an email address where consumers can ask questions or work on resolving issues. They have a phone number which has an upfront message explaining there are high call volumes and not quite verbally literate script readers with no ability to answer questions.
They also have an online log in portal which is beyond broken and does not allow consumers to log in.
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| 04/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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My mortgage was sold to Rushmore Loan Management Services in XX/XX/2021. Shortly thereafter, I received a letter from them requesting proof of insurance. I immediately provided them with a copy of my XXXX/policy page listing my coverage amount ( plenty to cover mortgage amount ) and the organization was listed as mortgagee/loss payee. Two months later I am still getting notices that they have not received my insurance information. My insurance company has sent it, I have mailed it, I have faxed it and my insurance company sent it a second time, however, I am still being told they do not have this information. At this point I assume they have placed homeowners insurance on my loan. I will not pay any additional insurance due to this organizations incompetence 's. I dont know what else I can do to get them what they need. Clearly the issue is at their end because I have all the receipts of delivery. I have contacted this company five times and again today. I spoke with a manager today, XXXX XXXX at XXXX XXXX XXXX who assured me she would call my insurance agency immediately to get a copy of the insurance binder. As of XXXX XXXX my insurance company has not heard from her. XXXX XXXX was also going to inform me when she contacted them. Ive received no call back. I dont know what else I can do except ask for your help. I certainly am not going to pay for additional homeowners insurance when I have had home owners insurance in place, with the correct loss payee listed, since the inception of this mortgage. I appreciate your help. Thank you.
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| 04/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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I was placed on a loan modification with Rushmore Mortgage. My previous mortgage payment was {$1100.00}. With the loan modification, the payment increased to {$2100.00} for six months. Once the final payment was made, I called the company and I was told that the payment would be the same. I received the final modification documents and the payment has increased to {$2300.00}. The interest rate went from 2 % to 5.5 %. Then they reduced it to 5 %. I told them that the current interest rate was between 2 % and 3 %. I was told that they weren't a bank and that they could charge me whatever interest rate they wanted. The five percent rate was set back in XX/XX/2020. I consider this to be a predatory lender. They asked for all of my financial information and I was honest. Instead, they insisted on placing me on a modification that was not affordable. I refuse to sign the documents for the final modification because I strongly believe that this company is connected to a chain of predatory lenders. It began with XXXX XXXX who later sold the mortgage to XXXX XXXX who later sold the mortgage to XXXX who later sold it to Rushmore. I am asking that this company be investigated. The only alternative is to sell the house. I hate the fact that these thieves will be able to walk away with money that they are not entitled to because they chose to prey on the XXXX American Community. I am a Veteran and I am appauled by the mistreatment that this country has allowed to happen to it's own U.S. citizens by allowed predatory lenders to stay in business.
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| 07/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My XX/XX/2022 statement from Rushmore Loan Management Services showed my Outstanding Principal to be {$970.00}. The upcoming interest was to be {$2.00}. My normal payment amount also included {$400.00} in extra principal, plus escrow amounts. So the bottom of the XX/XX/2022 statement told me " You are currently enrolled in automatic payments. Your payment is schedule to draft XXXX for the amount of {$1800.00} ''. So, as usual, I did nothing. Then I received a XX/XX/2022 statement telling me I missed my payment, and owed a {$15.00} late fee. I called Rushmore and they told me they never took out my last payment, but over the phone they put in a payoff request for me. The payoff request showed the {$15.00} late fee. I was able to call Rushmore and have that removed. But the payoff also showed {$4.00} in additional interest. They told me that was interest accrued between XX/XX/2022 and XX/XX/2022 ( the payoff date ). I told them that I should not be responsible for that interest, as they had told me they would take my last payment in the XXXX statement, and they never informed me about having to request a special payoff. I believe this is a tactic they use to steal a few dollars from each customer on the way out. They very strongly argued with me, and one woman even tried to gaslight me and pretend that she had called me about my late payment, when in reality I had called her about these extra fees. It all seemed a bit shady, so I want to go on record to report it. In the end, I gave up and paid the extra {$4.00}. But that was wrong.
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| 01/31/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
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We are currently working on a refinance with another company. Rushmore services our current mortgage because XXXX XXXX closed their mortgage division and rushmore took over the servicing of the loan.
To complete our refinance, we needed a 24 month verification of mortgage ( VOM ). The company we are refinancing with, has completed everything else for the loan and has our borrower 's authorization on file, to communicate with rushmore. The refinance was supposed to close the XXXX of XXXX.
Rushmore only sent a 12 month VOM when they should have sent a 24 month VOM. The company I am working with, XXXX XXXX, has called over a dozen times to Rushmore and been promised over and over the correct VOM would be faxed that day. This has gone on for nearly two weeks. These calls are all made on recorded lines and Rushmore continues to lie about faxing over the correct VOM by the end of business.
We have had many problems with Rushmore in the past, but this feels like they are lying and deliberately trying to make sure we aren't allowed to refinance. We were told by XXXX XXXX they have seen this problem with Rushmore with other borrower 's as well. We have had multiple problems with them in the past obtaining information about our mortgage. The customer service person always seems nice, but there is always a person above them that is supposed to do the work and never completes the task. You are never allowed to talk to that person and over a dozen calls and nearly two weeks and they have never completed one task they said they would.
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| 08/22/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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I have a mortgage that is serviced by Rushmore Loan Servicing LLC. My mortgage is owned by XXXX XXXX XXXX XXXX.
I have fallen behind on my mortgage payments immediately and ask for a loan modification. I received a letter after requesting a loan modification from Rushmore Loan Servicing stating that my modification was denied.
The reason giving didn't make sense. Three of their reasons for denial led me to believe that there wasn't any due diligence in their consideration.
1- Income not sufficient to sustain any payments under any available loan modification program. ( The was no program offered ) 2- Employment History is not sufficient in length to qualify. ( I've been employed for the same company for 11 years. ) 3-Your Credit History reveals that my current obligations are excessive in relation to income. ( The letter stated under this bullet point ; could not be verified ) 4- Good Faith Payment : Proof of the good faith payment was not received. ( When applying for my modification I was not required to make a payment however it seems as I'm being penalized for something was not require at the time of application.
However, I was informed that I have 14 days to accept Rushmore Load Servicing short sale options.
This is evident that my modification was never processed and simply denied in the attempt that XXXX XXXX XXXX XXXX either foreclosed on my home or force me to short sale my home either of which will allow me to lose my home.
Apparently, this is a common practice. Please see the link below.
XXXX XXXX XXXX
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| 02/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I pay my mortgage every month on the telephone. Over the course of about 1 1/2 years I missed two mortgage payments due to two separate motor vehicle related emergencies. XX/XX/2019 I called to make my monthly mortgage payment and the mortgage company refused to take my payment and told me I had no choice but to file a modification application. I had been receiving several of these packets in the mail, but the company kept accepting my payment and I had no real need to apply for a modification. Although I'm on Soc. Sec. Disability I still a very much able to make my payments since my mortgage is only about {$700.00} a month and my household bills are minimal, and not to mention my mortgage was projected to go down to {$600.00} a month this year. So I filed my modification and even offered a months mortgage as a down payment, but my application was denied they said, because it hasn't been quite four years since my last modification and according to the last modification, I can't file another one for four years. Now, I'm on disability, I've been in my home for 21 years, I have two large dogs and I will not, can not and am not able to move. I feel I was pressured into filling out this paperwork and then denied in an attempt for the mortgage company to take my home. The missed payments were not back to back. Other than this I've always made my payments. I was also told that foreclosure doesn't begin until 4 payments are missed. Now, I'm 6 payments behind because of me filing the modification and the wait period. What can I do.
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| 10/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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Starting from around the year XXXX til this day our lender XXXX XXXX which is now using Rushmore Loan Management Services has made our lives a living hell. The amount of fear, anxiety, worrying, sleepless nights, suffering, countless day and nights of crying, begging for help to save our home was/is beyond XXXX XXXX and extremely XXXX -All the threatening calls that were made to us all hours of night, If we didnt pay what scary consequences we would face, How they would garnish our social security benefits money, to strangers driving by our house daily-taking pictures, and even trespassing on our property freely and fearlessly to which eventually took a major major toll on us mentally, emotionally, and physically. So two years after my initial request and plea for help from XXXX XXXX and no luck nor care from them we couldnt take anymore pain and suffering and debt that added up. We decided for our health and sanity to file a bankruptcy.I think within 24 hours or so if Im not mistaking of filing and XXXX XXXX finding out all of the sudden we received a phone call from them telling us what great news they had for us, they would not foreclose, Give us the dream modification, our interest rate would be 2 % but most importantly let us keep the house ONLY if we agreed to not include them in the bankruptcy. After hearing that and believing and trusting what they claimed to be the dream modification assuming a license professional knows what they are talking about we immediately agreed because we love our home and we got lucky.
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| 10/12/2018 |
Yes |
- Debt collection
- Mortgage debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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I was given a modification loan in XX/XX/2017, signed and sent it back. Started making all of my payments, but Rushmore Loan Management was not posting them, they were just holding them, and putting non payment on my credit report, after ( 1 ) year and many attempts to get a hold of them to explain, they send me another loan in the mail for more money on the payment. I did not sign, I wanted answers as to why and they back dated the new loan to last year which means all of my payments were short. After trying for several months to get my rep XXXX XXXX to respond, I finally got a hold of someone who made him call me. He gave me what seemed a reasonable answer but basically he said Rushmore made a mistake on the paperwork. He said they would work with me to catch up on the short pays since it was not my fault. So I sent the paperwork back signed. At this point, I wasn't aloud to make my payment. I called XXXX XXXX at least 10 times to try to get my payment in, but he never returned my call. So I mailed a check. The check after 2 weeks has not posted per my online statement and I received intent to file foreclosure paperwork in the mail. No phone call, no reason why. I tried XXXX XXXX another 2 times and still nothing. They lied and miss represented the status getting me to sign the paperwork. I am upset at how they are handling my account. I have been trying to work with them and have call logs on my phone of the number of times I've tried to get in touch with them, with no return call. I also have email documentation.
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| 09/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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On XX/XX/2019, I received a letter confirming the intent of Rushmore LM to provide me with a repayment plan agreement. The first installment was a down payment of {$2000.00} due on XX/XX/19. ( Incidentally, I did make this payment as per terms. ) Nontheless, the mortgagor 's attorney and forwarded a Notice of Seizure to the Sheriff 's Office, mandating the sale of my primary residence, breaching our agreement. I was served on XX/XX/19.
I contacted the attorney and mortgagor, but a cancellation of this notice remains on-hand by the sheriff, who will not release this order. I request a full cancellation given that the foreclosure process was taken to additional steps while I was in agreement.
This began after I successfully completed a Trial Modification and was allowed to begin an initial payment plan. The plan offered ( in XX/XX/2019 ) included a Petition of Foreclosure and Sheriff fees at a time when nothing had been filed ( or was in the process of filing ) with the Court. I asked that these fees be re-evaluated given that these legal actions were not taken and fees had not been incurred. Rushmore continued to accept my regular full payment amounts, sent me another Trial Modification package to complete, and then proceeded to file the petition with 10 days of sending the Modification information. I was 101 days past due and making payments at that time. I have faxed my request for re-assessment, and even though I have proof of transmittal, the refuse to acknowledge my request.
The lender has repeatedly refused
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| 05/21/2019 |
Yes |
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- Struggling to pay mortgage
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Web |
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i filled this out it mustv erased. wow so my mortgage mod app was denied. was innappriate, was just denied this month.
it took almost a 4 month application process, and they still never asked me to send verif of the XXXX down payment amount they had already approved.
they denied in writing for not enough down payment but they told me the amount was sufficient, but they called the bank before they made decision of denial, to see if money was therw. i told them that i keep money at home, i dont use bank.
they say a whole lot diff than they write.
also, my past and recent XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX approx, tRV ying to fix or get the correct therapists, prescribers, primary, and now i need a revision XXXX XXXX, i have a XXXX XXXX, and XXXX/XXXX, i finally have fixed 85 percent of tge issues i lived with for 38 yrs.
i now feel like ia reas l person, the drs and prescribers have saved my life, after so many yrs of failed Doctoring. repeatedly.
Real Hardship ...
also, added i have a XXXX XXXX. and had to stop working because of all these problems compulated. but i finally have enough income, plenty, and feel normal which il never miss a payment, esp now w even more fixed income, and a straight, and focused mind, and they deny my app for modification. does not make sense please call me, XXXX XXXX XXXX, thet y already hsd approved foreclosure, stopped and now resumes process becasuse of the denied app for modif. so they are past many points and close to fi foreclosure sale. please help
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| 04/29/2023 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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Several complaints have been filed against Rushmore Loan Management Services regarding a alleged modification that was done on my deceased father 's loan.
This loan that they are using to foreclose on the home never passed the trail modification and Rushmore and the previous servicer XXXX Mortgage have been refusing to put the loan back to its original state.
Rushmore and XXXX mortgage are reporting false information on this loan that can be proven with the original documents from the previous servicers XXXX and XXXX but they are refusing to give me the documents that I am requesting from the original servicers XXXX and XXXX.
Also, after the last complaint filed with you Rushmore is refusing to give me information about the loan because they have changed me from a borrower to a successor of interest and trying to force me to sign a document to accept the changes.
Again I have spoken to XXXX XXXX and XXXX yesterday who said that when they transferred the loan to Rushmore I was a borrower who assumed the loan since 2008 I am about to apply for another modification but I was informed that they will reject the funds from HAF because THEY say that I am a successor of interest. This makes me uncomfortable because this is the last modification I can do and the funds must be applied.
I am filing this again because Rushmore refuses to comply with providing with the documents that I am requesting from the lockbox and they have changed my role from a borrower to successor of interest which is not correct.
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| 03/26/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Older American, Servicemember |
|
This matter concerns the handling of Rushmore Loan # XXXX On XX/XX/XXXX, I received a letter from Rushmore Loan Management Services informing us that they were transferring the servicing of our loan to another company, XXXX XXXX XXXX, effective XX/XX/XXXX.
I was dismayed to hear this because I had called Rushmore every week in XXXX requesting a copy of our year end federal tax interest and tax reporting statement. Each time I called, they assured me that I would receive a copy in the mail by the end of the week.
After I received the notice of transfer, I called Rushmore again and spoke to a XXXX who would only further identify himself as XXXX # XXXX. He stated that since we hadnt made any payments, it wasnt necessary to issue a 1099. I asked him about the tax payments to our county authorities. He said he reviewed our file and saw that Rushmore had made two disbursements of {$8200.00} each, one on XX/XX/XXXX, and one in XX/XX/XXXX.
When I again asked him for a copy of the federal year end tax and interest statement, he said no electronic copies were available, but he could fax a copy. Since I do not own a fax machine, I asked him to fax a copy to our HUD Certified Housing Counselor, AND to send one to our home by mail.
To date, as of XX/XX/XXXX, NO fax or letter has been received by me or our HUD counselor. I am very concerned that this document will not be sent out and our loan will be transferred to another servicer and we won't have any information regarding the payment our our property taxes.
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| 02/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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On XX/XX/XXXX I took out a mortgage with XXXX XXXX XXXX XXXX, a federally chartered savings bank for the amount of {$290000.00}. I defaulted on my mortgage because I could not keep up with the payments. Since I took out my mortgage in XX/XX/XXXX, it has been transferred three different times. The first one was on XX/XX/XXXX there was an assignment of mortgage filed with XXXX County Clerk 's office. The assignment of mortgage assigned the mortgage from XXXX XXXX XXXX XXXX XXXX XXXX as nominee for XXXX, XXXX XXXX. to XXXX XXXX XXXX, XXXX. The second assignment of mortgage was filed with the XXXX County Clerk 's office on XX/XX/XXXX. The assignment of mortgage assigned the mortgage from XXXX XXXX, XXXX to XXXX XXXX XXXX, XXXX. The third assignment of mortgage was filed with XXXX County Clerk 's office on XX/XX/XXXX. The assignment of mortgage assigned the mortgage from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX, XXXX started a foreclosure action against me in the amount of {$270000.00} which is a {$16000.00} from the original loan amount. How is that even possible when I paid over {$100000.00} before defaulting. I have tried fixing the problem by submitting a loan modification on XX/XX/XXXX and XX/XX/XXXX getting denied both times. It seems like they do not care whether I pay them back or not, they just want me out of my home which I am working hard to repay. I am a victim of the housing crisis and I feel that there is fraudulent element to what is happening to my mortgage loan.
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| 03/07/2022 |
Yes |
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- Struggling to pay mortgage
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|
Web |
Older American |
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This is my third complaint but after talking to an attorney I need this to be looked into. Again it said on the last couple of bills that are sent monthly that I was enrolled in a loss mitigation program it said I was in a repayment program the date of that bill was XX/XX/2022 my house was sold at auction 6 days later on XX/XX/2022. If this was somehow a mistake as you are not supposed to sell the house while in a loss mitigation plan then you took away my rights to try to do something with many of the programs available then that are not after the sale so if this was a mistake how are you going to remedy it or if you meant what you did having me in and thinking I was in a loss mitigation program that is called dual tracking and is not allowed. Also there may be another problem coming as I asked for a copy of the sheriffs deed from XXXX law and boy were they mad did not really want to do it and were questioning me why they said they would have it in their possession by XX/XX/2022 and finally agreed to send it to me when they got it, today is XX/XX/2022 that is when I asked for it. I will say talking to people in the legal field really helped and I will continue now that I they are willing to help me. I also hope that the CFPB will take the time to look into this and or pass them along to an agency ( XXXX ) who will THANK YOU FOR BEING THERE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! AND I WILL ASK THE CONSUMER FINANCIAL PROTECTION BUREAU AGAIN TO PLEASE LOOK INTO MY COMPLAINTS I AM BEGGING YOU.
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| 07/08/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/2020, I contacted my mortgage servicer, Rushmore Loan Management Services as they increased my monthly payment by {$100.00}. The customer service representative XXXX, indicated to me that the increase was due to an escrow shortage. This is the second time in 14 months that Rushmore has increased my payment due to a claiming an escrow shortage. My county taxes and home owners insurance has NOT increased in that time period, the previous increase in payment to cover an escrow shortage would cover current taxes as again, they have not increased, the {$100.00} per month increase annualized is {$1200.00} which is 50 % of my county taxes ( an impossible account shortage ), Rushmore is charging a {$65.00} " Recoverable Advance '' for non-escrow related expenses but will not provide what those expenses are. I requested an audit of my escrow account, Rushmore refused and when I asked to speak with a supervisor, they hung up. It is clear that due to liquidity crunches in the mortgage servicing space, Rushmore is illegally billing current customers in an attempt to collect unjustified expenses. Further, I have not received prior or current notification of any kind, regarding an escrow increase as is required by statute. Rushmore refuses to perform an escrow audit, justify these increases and expenses and as well, is in violation of CFPB and California State Regulations. I request a full audit of my escrow account, Rushmore Loan Management Services practices and a remedy to my monthly payment. Thank you.
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| 03/19/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Credit decision / Underwriting
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Web |
Older American |
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XXXX was submitted XX/XX/XXXX. At the time I submitted this complaint, I had dealt with Rushmore Mortgage directly endeavoring to get them to stop the continuous daily calls I was receiving trying to collect on a mortgage for which I was not responsible due to bankruptcy. They denied having knowledge of the bankruptcy, even though I had spoken with them about it repeatedly and had written them repeatedly referencing the bankruptcy requesting them to cease the pursuit, they continued to do so. When they were unable to trick me into paying, force me into paying in retaliation they placed reported to my credit bureaus a past due mortgage amount that had been discharged in Federal Court. On XX/XX/XXXX Rushmore responded the referenced complaint indicating that they would remove the reporting from my bureau, yet it is still there now in XX/XX/XXXX. I would like them to remove it immediately and send me a letter indicating that it should not have been there in the first place and they are going to remove it from all my bureaus. Rushmore, when speaking to me, represented themselves as the new note holder, but when CFPB was involved, they identified themselves as the servicing agency for XXXX XXXX XXXX. This credit bullying and racial discrimination practices is damaging to anyone who is exposed to these tactics and this needs to stop. Them denying their intent and then walking away with no penalties of any kind is one of the reasons it continues. Please assist me in procuring the resolution once and for all.
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| 10/23/2018 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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After purchasing our new home in XX/XX/XXXX, our loan was subsequently sold to Rushmore Loan Management ( RLM ). When we learned of the loan transfer, I called RLM to ask about sending multiple payments, to break up the large amount. They indicated on the phone that they can accept multiple payments.
Our first payment was due on XX/XX/XXXX, so I sent a check from my bank in the amount of {$800.00} on XX/XX/XXXX and the rest of the balance {$600.00} on XX/XX/XXXX. This process repeated, where I would send {$800.00} mid-month prior to due date and the rest on the due date.
This went on for 3 months before RLM sold my loan to XXXX. When I learned that my loan was sold, I reached out to XXXX via phone and they told me that they do not support multiple payments and that I was behind on my mortgage. I asked how that could be and they indicated that it was my responsibility to find out. They also started calling our phone day/night with automated calls that were never answered by an employee.
I have spent more than 10 hours so far, on the phone with RLM to understand what happened. All I can find out is that they applied my XX/XX/XXXX payment ( for XXXX XXXX due date ) in the amount of {$800.00} to principle. This put us behind by that amount for XXXX. RLM has indicated that they are " looking into it '' and the supervisor, XXXX XXXX ( ext. XXXX ) has not returned my many voicemail messages.
XXXX has indicated that we will not be taken off the robot-calling punishment until our account is current.
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| 06/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Back when homes were underwater during the real estate bubble time around 2005 I purchased my home, a couple years later I fell into foreclosure due to marital seperation and was struggling to make ends meet with a young child. What helped me was a hamp program I entered into I believe but am not sure was called the principal reduction act.
With this program after 5 consecutive years of compliance with the program the 50k loan was forgiveable. My loan was transferred from XXXX XXXX aka XXXX to Rushmore Mortgage. For years all I have done is work and work. I thought I would now be able to request a Heloc loan or refinance to be able to get a small portion of the homes equity and open a XXXX XXXX XXXX XXXX and when I tried to do so was denied by several lenders for having a second principal which was to my surprise I thought it was satisifed. ( See Satisfaction of Mortgage ). When I tried contacting Rushmore about it and provided supported documentation they told me they would be researching, then today I was told to resolve it with XXXX. Quite frankly I am exhausted of trying to put the effort to get someone to resolve this and really need some help with authority in making these folks correct there wording in a payoff and correct balances, and stop jeopardizing my future. I am sure I can not be the only one this has happened to. Attached is the XXXX evidence when it was paid on XXXX, Satisfaction of Mortgage, and also how it is currently reflected as a 2nd principal balance on a current payoff.
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| 06/15/2021 |
Yes |
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- Struggling to pay mortgage
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Web |
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I have disputed the mortgage amount owed from the first papers I received from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. The balance that they claimed was due when I defaulted was as of XX/XX/XXXX was {$120000.00}. I made payments over my monthly amounts due that were never credited to my mortgage. I made modification payments some of which Rushmore admits were applied to the loan in XXXX of XXXX. Yet the principal due as stated in the Judgement and affirmed as actual by their Attorney 's has never changed. I have repeatedly requested general ledger accounting of my loan payments and have received the same information ( WHICH IS ATTACHED ). The affirmations by the Attorney 's were inaccurate making them fraudulent statements. Rushmore proceeded with a Judgement based on false and inaccurate amounts and statements. They consistently send ledgers that are UNREADABLE. They have done nothing but discriminate against me through this whole process thinking I was uneducated by sending me account of payments I could not even read to be able to dispute payments. In one letter they admit payments were received after XX/XX/XXXX and in another, they deny they were received and want copies. If payments were received in XXXX and XXXX how did the original balance from XX/XX/XXXX never change?? The reason they sent the unreadable ledgers is because it proves payments were recorded yet never applied if any saw that this occurred the Judgement amount would be inaccurate made on false claims and statements.
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| 12/07/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I submitted a Borrower Assistance Application onXX/XX/XXXX.. I also told my single point of contact ( POC ) that i meet the eligibility criteria for one of Keep Your Home California Programs ( MRAP - Mortgage Reinstatement Assistance Program ) and all I need from Rushmore was the mortgage statement and modification. Her response to me was " If you do not qualify for the modification, will they still help you to get current ''. It appeared to me that she already knew that they would not approve me for a modification and that they were just buying time as we got closer to the foreclosure date of XX/XX/XXXX. She then told me that i will know if my application is complete in three ( 3 ) weeks and at that time i will get a decision. Three weeks will be XX/XX/XXXX and only Two weeks away from the foreclosure date. If the decision is negative, i do not have enough time to appeal it before the foreclosure date.
The staff at Rushmore ( POC 's and Supervisors ) are notorious for misguiding customers on the modification process. They play by the rules by their calendar and are eager to have your home go to foreclosure.
They do not like to work with other mortgage assistance programs such as Keep Your Home California.
Rushmore is violating my home owner bill of rights and i 'm kindly requesting you to look into this matter.
Please look at complaints of several other unhappy customers : https : //www.checkbca.org/report/rushmore-loan-management-services-llc-100102203/XXXX XXXX XXXX XXXX XXXX Thank you
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| 11/29/2019 |
Yes |
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- Trouble during payment process
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Web |
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After their last response, I contacted Rushmore AGAIN. Every single Rushmore agent, including the one I spoke with minutes ago on XX/XX/2019 at XXXX XXXX PT stated that borrowers monthly escrow deposits and analyses are based on the most current tax bill paid. They just paid my annual tax bill in XX/XX/2019. XXXX XXXX assessed the property and that is the actual bill that Rushmore received and paid. My taxes are paid one time per year. The higher amount of {$4500.00} ( instead of the actual annual due of {$2500.00} ) that was estimated at closing was something made up by the lender not based in fact that I can find anywhere and I should not be subject to this fiction. Further, I was told that this would change as soon as the county actually assessed the property which they did. Aside from the first response to my CFPB complaint, Rushmore has failed to EVER tell me they require anything besides the last official tax bill to estimate and analyze tax escrow payments on an account. EVEN TODAY their phone rep said they had it wrong and need to re-analyze the account because they could see the bill and were charging wrong. Every single representative knew that the property had new construction on it, even the rep today, and they said they got it wrong and needed to re-analyze Because the latest actual bill is what determines upcoming monthly escrow deposits and they had that bill. Knowingly over collecting for escrow is a RESPA violation and knowingly requiring inflated payments is a TILA violation.
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| 08/10/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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I am trying to get a modification on my home. I was first working with XXXX XXXX XXXX. XXXX XXXX XXXX had all the documents needed to start the underwriting process. My loan was then transferred to Rushmore Loan Management XXXX XXXX, 2015. When first contacting Rushmore in XXXX I was told they had none of my information from XXXX but was told it can take some time to get the documentation. When I called I was told that they were only given parts of the documents and the best thing to do was resend ALL information which I did. My case manager with Rushmore Loan Management has given me false information many times regarding my loan. Also when I spoke to her she said she needed more information faxed. I asked her to review the documents she did have and come to find out they already had the documents. I was then told that I needed {$20000.00} for a down payment if I wanted to save my home. If I had the {$20000.00} I would n't be having to try and get a modification in the first place. Also I asked her if she could please leave a voicemail if I do n't answer and leave me the information that they need. This has only happened once and she did n't leave a message with documentation needed she just left me her name and number. I am extremely frustrated and feel as if I am being mistreated by this company. I did not receive notice from Rushmore Loan Management that my house was being foreclosed on. I was notified by they trustee note taped to my door that my house is going into auction on XXXX/XXXX/15
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| 02/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I successfully completed, signed and notarized a loan modification with XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX the loan was transferred to another servicer, Rushmore Loan Management. As XX/XX/XXXX my modification has not been completed. My loan is in limbo and I have been making payments that are not credited to my loan. I call both companies and every day. Rushmore told me today XX/XX/XXXX that they can not get the terms of the loan to match the terms that XXXX sent. Rushmore says XXXX is not responding, XXXX says Rushmore has everything they need.
Originally, I was told that in order to start the trial modification I would need to pay {$10000.00} prior to the first payment in XX/XX/XXXX. In XX/XX/XXXX I expressed my concern about paying {$10000.00} essentially a down payment that was not noted in the agreement. There was no mention of the {$10000.00} anywhere, I went out of my way to continue to tell XXXX that this didn't seem right. Well my fears are now validated because Rushmore indicates the {$10000.00} is the very reason, they can not process my loan - because the {$10000.00} was not spelled out in the modification paperwork as a down payment - it is essentially showing that I made all the trial payments as a lump sum.
As of XXXX nothing is resolved and I am still limbo with this loan. It is extremely hard to get anyone on the phone at either company.
Specifically, I have left messages for the Supervisors at Rushmore, XXXX XXXX and XXXX XXXX but no one cares enough to call back.
|
| 10/10/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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I applied for a loan modification on XX/XX/2019 and my request was denied approximately 30 days later.
I completed a second application for loan modification on XX/XX/2019. I am now in receipt of another denial letter dated XX/XX/2019
Both letters provide the following reasons for denying my request for modification : 1 ) Monthly income of {$6600.00} is " insufficient to sustain any payments under any available loan modification program ''. The value of my home is {$650000.00} as determined by the lender. I do not understand how my income can possibly be insufficient to sustain any modified payment program.
2 ) Current obligations are " excessive in relation to income ''. I do not understand what qualifies as " excessive '' and why it is a measurement for qualifying for loan modification.
3 ) The amount of good faith payment is " insufficient to offer a loan modification ''. I do not understand why a good faith payment is a requirement for modification especially when it is not mentioned in the application for a loan modification. None of the lender 's documentation indicates that a good faith payment is required or what the minimum requirement is. I offered {$20000.00} from my 401k plan as a good faith payment with the second application.
Along with the latest denial letter, I also received a letter stating that I can not make any more modification requests, that the lender 's decision is final, and that my only options going forward are a short sale or deed in lieu of foreclosure.
|
| 07/08/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
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Web |
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My wife and I obtained a {$30000.00} HELOC from XXXX XXXX on or about XX/XX/XXXX. On or about XX/XX/XXXX, XXXX XXXX sold the loan to XXXX XXXX. ( see letter from XXXX XXXX, attached. ) Contemporaneously, XXXX XXXX transferred the servicing rights to Rushmore Loan Management. ( see letter from Rushmore Loan Management, attached ).
On or about XX/XX/XXXX, my wife and I applied to refinance the HELOC with XXXX XXXX ( now Truist ). As part of the underwriting process, XXXX had a third-party vendor run a title search on our property. The title search revealed that on or about XX/XX/XXXX, XXXX XXXX recorded a lien against our property in the amount of {>= $1,000,000}. ( see attached email from XXXX, with title excerpt. ) The only secured loan that we have ever obtained from XXXX XXXX is the {$30000.00} HELOC ( though we have an unsecured credit card with them as well ). XXXX XXXX has never sought or obtained a judgment against my wife or me of any sort, let alone for $ XXXX. XXXX XXXX has no basis for encumbering our property with a $ XXXX lien.
XXXX understandably refuses to complete the refinancing process until the $ XXXX lien is removed. I have sent written requests to XXXX XXXX, XXXX XXXX, and Rushmore requesting that they remove the lien. I have not heard back from any of them, and to my knowledge my property is still encumbered with a $ XXXX lien.
I would like to resolve this matter expeditiously and out of court, so I am once again asking that the lien be removed from my title.
|
| 05/14/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
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Upon losing my job in early XX/XX/XXXX, I contacted XXXX XXXX to ask for assistance while I was trying to obtain another job. I first submitted loss mitigation paperwork as directed by XX/XX/XXXX in early XX/XX/XXXX. They continued to require one more document after one more document. I continued to call and check on the progress with little to no change. They failed to contact me or keep me informed on any level the only communication came from me contacting them. When they finally accepted the completed packet they had until XX/XX/XXXX to make a decision about how they could best support me. On XX/XX/XXXX they transferred my loan to someone else without making that decision. Now Rushmore loan management company is telling me I have to start this process over. In the meantime each month my credit gets worse and worse. I contacted XXXX in XX/XX/XXXX and told them I had obtained a part-time job and was able to begin making payments. There is still no resolution. I just received a letter Saturday XX/XX/XXXX regarding Rushmore wanting me to submit all my documentation over. I believe XXXX never had any attention of addressing my issue as they knew they were transferring my loan to someone else. I have an FHA loan. It is my understanding that FHA has a forbearance during unemployment where interest is put on hold. XXXX XXXX never offered this or suggested this solution to me. I just want to know how much to pay for my mortgage so that I can put my house for sale and clear out this debt.
|
| 09/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
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My Loan, XXXX, was transferred to Rushmore Management in XXXX from XXXX XXXX XXXX. The loan had been transferred to XXXX from XXXX XXXX Loans. We entered a modification in XX/XX/XXXX that provided for a permanent 5 % APR, and a payment below {$650.00}. The subsequent billers continued to escalate the payment under the guise that escrow estimates were short. However, my local property taxes have not increased. On XX/XX/XXXX, the current biller, Rushmore, more than doubled the APR to 11.27 %, and increased the minimum payment to over {$1200.00}. The biller has refused to address the XXXX modification agreement. We have also submitted documents for a new modification that Rushmore claims was not received. In the interim, we requested a deferment, or reage as the current payment is not feasible for us, or in keeping with the decreased value of the property. The original loan holder, XXXX XXXX, grossly overstated the value to collect extremely high closing costs. I have resubmitted the hardship application again, on XX/XX/XXXX, I am asking the current biller to adhere to the XXXX agreement, restore the 5 % APR, and adjust the minimum payment accordingly by reducing the balance, extending the term, or another option available. Requests for extensions were submitted by the company 's phone agents in XXXX, XXXX, and XXXX, with no response. Based on our previous inquiries, We also expect any delinquency to be removed along with any negative reporting to the consumer credit reporting agencies.
|
| 10/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
When XXXX XXXX XXXX sold Mortgage Loan to Rushmore Loan Management Services Inc. the said company resumed the demand to pay the outstanding balance for the mortgage loan which I already mentioned to them I am not behind on mortgage payment. So I submitted supporting documents to support my statement. From this submitted supporting documents, a Staff was assigned to resolve the issue. her name is Ms. XXXX XXXX. After talking and explaining to Ms XXXX about how the issue or problem was developed, she apparently shown a deeper understanding on how to resolve the issue. I requested to get all the phone record of conversation while I am making a payment over the phone every 2nd Tuesday or Wednesday of the month. Ms. XXXX promised she will do so but after almost two weeks past, Ms. XXXX was removed from her assigned duty. instead I got letter from Rushmore about the information provided by XXXX XXXX XXXX were correct. The question how can it be correct when our Mortgage statement last XXXX and XX/XX/2013 were current. In fact two loan mortgage payment were recorded on our property and yet the XX/XX/2013 mortgage statement shown we were 2 months behind then XX/XX/2013 we were 3 months behind? The question How? when two mortgage payments were recorded on XX/XX/2013 then there was record of payment for the month of XX/XX/2013. Do they know really what they were talking about?
This problem they are just dragging it around make me very stupid like I don't know what I am complaining about.
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| 10/25/2021 |
Yes |
|
- Struggling to pay mortgage
|
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Web |
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My FHA mortgage was put into a forbearance during the pandemic under the CARES Act. My lender is demanding all of the back payments due now. My understanding is that they are required to work with me to set up payments.
Attached here are pictures of the most recent statement they've sent me, which arrived XX/XX/XXXX, as well as their XX/XX/XXXX response to a complaint I made to CFPB last month. In that, they confirm that I'm on a forbearance through XX/XX/XXXX. If the loan is in forbearance, how can they be demanding {$36000.00} from me now? Their XX/XX/XXXX letter says " payments are not required during the forbearance period '' and " During the forbearance period, no late charges incur on the account '', so why are they sending me a statement that says " You are late on your mortgage payments '' and threatening late fees ( {$54.00} ) if not paid by XX/XX/XXXX? If it's in forbearance through XXXX, why does the statement say " failure to bring your loan current may result in fees and foreclosure- the loss of your home. "? Their XX/XX/XXXX letter also said " Please note, this Mortgage Statement is not a demand for payment by XX/XX/XXXX, '' but their statements as you can see quite plainly say " DUE DATE '' and " Due By XXXX '' and " Please mail so that your payment reaches us by the due date. '' Their XX/XX/XXXX letter makes it sound like they're merely updating me on the balance but these statements are demanding payment and making threats of fees and foreclosure. Please help.
|
| 05/07/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
This complaint is in reference to the mortgage on my personal home. On XX/XX/XXXX I filed Chapter XXXX Bankruptcy to protect my home and other assets. I completed the case on XX/XX/XXXX after paying XXXX to XXXX and other debtors ( Please see PDF titled XXXX RESPA Response XXXX ). During my bankruptcy, my payments were increased several times and to prevent dismissal I was required to pay over XXXX in three months see image ( XX/XX/XXXX XXXX XXXX ). Upon completion of the bankruptcy case, my mortgage was sold to Rushmore and I was instructed to continue my payments. Rushmore would not allow me to set up auto-draft and when I called to make my payment in XX/XX/XXXX, they refused to take and told me my account had been turned over to the foreclosure department. At that time my bankruptcy attorney XXXX XXXX informed that he had done all he could do and referred me to the XXXX XXXX XXXX XXXX Attorney XXXX XXXX. I have worked with one of Mr. XXXX associates but my home has been placed in the paper for foreclosure twice and is scheduled to be placed in the paper again tomorrow. As an XXXX and community leader, this has caused much humiliation to me and my family. I thought we were on track see ( XXXX and XXXX images XXXX ) to get this matter resolved and I have been saving the payments. I simply want to continue to pay for home ; however, it seems everyone is giving me the runaround. And now, my home is scheduled to run in the paper again tomorrow and a sale date of XX/XX/XXXX.
|
| 09/20/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
It is frustrating to find yourself on a financial situation such as loss of employment, which you can not prevent from defaulting on your mortgage. It was than that I was forced to default on my payments. It was then that I struggled and began making life difficult.. I began to panic and retained an attorney by the last name of XXXX who submitted the firs package to XXXX XXXX XXXX to no success. During the process XXXX XXXX XXXX sold the loan to Rushmore Loan management who will not acknowledge the fact that this loan was under a loan modification. I had to start all over again for they did not have any of my documents.. Time went by with out a resolution. I terminated XXXX XXXX and began to deal with the bank myself. I also did not get any where. I have send various packages to no success. I then re send prepared a package and it was send out various times. The person who confirmed receipt of this package was XXXX XXXX at Rushmore loan management..
I continue to look for a job became sick and had no other alternative than to request social security income and asked for my son to move back home.
I explained to the bank that my son had moved in with me and he is now a contributor.
On XXXX XXXX XXXX I was told by Rushmore that I no longer had a loan modification and that I had a sale day of XXXX XXXX.. I said when this this happened. XXXX XXXX said well it just pop up. You only have 37 days so we can not review the file.
I reside in this home. I want to keep my home.
|
| 01/27/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
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We are filing a complaint against Rushmore Loan Management, they have taken over my loan as of XX/XX/XXXX, at the time my employment situation was dire and I was unable to apply for modification assistance. In XX/XX/XXXX I was fortunate enough to gain full-time employment with my current employer XXXX. My mom has been residing with me for quite sometime and she is going to combine her income with mine, so that we can qualify for a modification and or repayment plan so that we can retain possession of our home. We submitted a complete and full RMA package, and all up to date supporting financial documents. They have refused to review my application for assistance stating that i 'm not eligible to be reviewed for assistance. To me this is considered an attempt at stripping all positive equity from my home. It is a fact, that my loan was actually purchased by Rushmore Loan Management investment team for pennies in the dollar and they have essentially placed my home in there cross fire for foreclosure and flipping my home for a profit. Rushmore Loan Management, is bound to the terms of the National Mortgage Settlement ( NMS ). They are required to review my request for assistance if a compete package is received prior to a sale date.
Furthermore, no agents of Rushmore Loan Management made any attempts at allowing me the opportunity to save my home prior to initiating a sale date on XX/XX/XXXX.
We are imploring your office to intervene in these abusive collection tactics.
|
| 10/12/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
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I filed a claim with my HomeOwners Insurance in XX/XX/XXXX. They denied my claim and dropped me. So in order to get new homeowners Insurance I had to fix what needed to be fix out of my own pocket because my previous HomeOwners Insurance company dropped me and denied my claim. So I sued. I got my settlement check in XX/XX/XXXX and it was written to me and my Mortgage Company. The Mortgage company decided to treat this like a claim and they are holding my money. Its not a claim its a settlement check from my old Homeowners Insurance Company and that was filed through the court system. I have waited all this time to get my money back for work that my HomeOwners insurance should have taken care of and now my mortgage company wont release my funds. They are turning a settlement into a claim. They wont release my funds and give me my money back. I have given them all the legal documents from the courts and they still refuse to return my money to me. I am in the process of a loan modification which I have paid on time with no issues. RushMore Loan only tries to make the consumer look bad yes, I was late on my mortgage and due for XX/XX/XXXX, and yes I am on a loan Modification which will be coming to an end XX/XX/XXXX. So why are my funds being monitored on a claim I filed with my Homeowners Insurance in XX/XX/XXXX. And why is this being treated like a claim when I never filed a claim with my Mortgage Company. They have no legal document of me filing a claim in XX/XX/XXXX.
|
| 05/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Rushmore Loan Management purchased my mortgage from XXXX Mortgage at the end of XXXX at that point I had my mortgage paid up until XXXX & my current principal balance was {$190000.00} Rushmore sent me my XX/XX/XXXX statement stating that I owe them {$5600.00} & my mortgage balance is {$200000.00} They are sending me collection & past due notices.
How can they be so incompetent??
Not sure what is going on with this company. I have had nothing but problems dealing with them.
I am attaching a document that I have received from XXXX Mortgage showing what my current balance is ( {$190000.00} ) & my next due date ( XXXX ).
Rushmore already has this document & they are the ones that purchased the mortgage so they have all the details regaring my loan. ( makes sense ) Dates payments made to Rushmore : XXXX {$2000.00} [ Principal {$1600.00} Interest {$310.00} ] XX/XX/XXXX Payment XXXX {$1800.00} [ Principal {$1500.00} Interest {$310.00} ] XX/XX/XXXX Payment XXXX {$2000.00} [ Principal {$1700.00} Interest {$310.00} ] XX/XX/XXXX Payment XXXX {$2000.00} [ Principal {$1700.00} Interest {$310.00} ] XX/XX/XXXX Payment I have verified that these payments have cleared my bank & are posted on the Rushmore site. So why/how did my mortgage balance go up & how do I owe them {$5600.00}??? Why is this so hard for Rushmore to figure this out?? I have spoke with many incompetent reps & managers at Rushmore that just either hang up or disconnect my call. Is this a real mortgage company?
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| 01/21/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We purchased a home on XX/XX/XXXX with XXXX XXXX. On XX/XX/XXXX we received a letter stating the loan had been transferred to XXXX XXXX XXXX XXXX , XXXX. stating our payment was {$720.00}. On XX/XX/XXXX, we received a statement that our loan was transferred to Rushmore Loan Management Services stating our loan payment was {$780.00}. Due to the holidays, I called Rushmore Loan Management Service on XX/XX/XXXX, I was advised by XXXX that the escrow was incorrect and to wait until it was corrected before making payment. It showed homeowners and taxes were the same amount in escrow. He advised that I should get notifications by mail when it was corrected. The next day, I received a collection call. I explained escrow problem and was told to call back in 10 days. Again, the next day, we received a collection call. On XX/XX/XXXX, I called Rushmore Loan again spoke to XXXX, I was advised it was corrected but not corrected in there system and to call back on XX/XX/XXXX. After that, we have received numerous collection calls. This is not our mistake. I would refinance if I could afford it. This is harassment to us. Not fair that they made the mistake but we have to take there harassment. They to tell us we are on robot calls and until we pay it will continue. I have asked to speak to a supervisor but never available and never calls back. Look at the attachments below. It would be nice to know who is the correct mortgage company. I only know know due to several phone calls.
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| 10/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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I applied for & requested forbearance related to Covid-19. In XX/XX/2020 I requested an extension due to unemployment related to the COVID-19 pandemic. Rushmore states they offer forbearance in 90 day increments & that it is possible to request additional 90 days and that I would be contacted within 10 days regarding the matter. However, what I received next was a certified letter stating my home was in foreclosure with a sale date already set for XX/XX/2020. Thats one of my complaints. The other is my home was in foreclosure with a sale date of XX/XX/2020. But Rushmore cancelled/ withdrew that foreclosure/sale date then the pandemic hit & as I previously said I feel they put it into foreclosure wrongfully due to Cares Act and their forbearance policy related to Covid 19. But I also feel it was wrongfully put into foreclosure because they withdrew the foreclosure in XX/XX/2020 and I live in the state of Ga and according to XXXX. XXXX Ga code XXXX. XXXX the withdrawal should have reinstated the indebtedness on the terms & conditions existing prior to the acceleration and furthermore if they were to choose to foreclose at a later time there were certain rules they should have followed, certain notices I should have received & if I applied for forbearance I did not violate the contract or miss 120 days of payments which by law is the amount a mortgagor must be behind on before foreclosure process can begin. Thank you for your time and attention to this unjust matter.
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| 06/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I paid my XX/XX/XXXX mortgage payment in two different payments on XX/XX/XXXX and XX/XX/XXXX. I had to do that because Rushmore Loan Management changed my balance due AFTER I had already made my usual monthly payment ( which was 2 weeks before the due date ).
Because I did not send the full amount due, they assigned my payment to principle. When my second payment went thru, they did the same thing. So, it looked like I did not make my XX/XX/XXXX payment. When, in fact, I had paid the full amount by XX/XX/2023.
On XX/XX/XXXX, I received a default notice from Rushmore Loan Management in the US Mail saying I had not made my XX/XX/XXXX payment, which was false. They threated to begin default processing on XX/XX/XXXX " if I didn't pay '' -- which I already did.
I have since shown my bank records and proven to Rushmore Loan Management of their mistake. They said they " mis-assigned my payment. '' Clearly their mistake. They admitted it. I can share with CFPB the reference number that connects to my recorded conversation with the Rushmore Loan representative, if needed.
I wanted to advise you that I believe their loan collection tactics are aggressive, unnecessary and boarder on fraudulent. I have been their customer for more than a decade. I pay every month. They can see that. They made no attempt to reach me or to ask if there was something they had missed. They immediately jumped to default notices.
It's a disgusting business practice that they are doing.
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| 08/26/2023 |
Yes |
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- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
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Web |
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When I purchased my home at XXXX XXXX XXXX in XXXX XXXX XXXX Florida XXXX, I always made my payments on time. I never missed a payment. I have been with XXXX and XXXX XXXX XXXX XXXX. Now with Rushmore Loan Managment it seems they are always saying I missed a payment or after a payment has been paid, they raise my mortgage. On XX/XX/XXXX, XXXXRushmore claimed that I owe them two months past due, so I paid Rushmore with a cashier 's check in the amount of {$1000.00} and I do have the copy of the check. I paid this knowing I did not owe them anything, but talking to any representative is very hard. The mortgage started in the amount of {$520.00} due to a loan modification. In the year XXXX. Through then and now the mortgage has been changed seven times. I do not understand. why is this happening.? I am tax exempt being disabled and my home insurance is not high. My taxes are exempt. Every time I try to talk to a represented at Rushmore, they become very rude and will not listen, no matter who I talk to. Almost every month the amount owed changes, After I contacted the XXXX XXXX XXXX Rushmore sends me a letter on XXXX stating that they are reviewing my inquiry to the XXXX. This is not the first time Rushmore has reviewed. Now they are threatening to take my home away. I would love to know after 16 years of paying my mortgage where is the money, I should be owing XXXX the amount of purchase. Could you please help myself and my son and daughter. Thank you XXXX XXXX
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| 04/27/2021 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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My property was sold in XX/XX/2019. The title company failed to issue a payoff to the mortgage holder Rushmore loan management XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. Not my fault. I have tried reaching out on many occasions during this time and keep getting the run around being sent to different departments such as escrow, insurance, general correspondence, etc. Each time I get told that department can not help me and get transferred back. I have contacted the local tax accessor to get a refund, they have verified that they are receiving duplicate payments from both my loan company and the new home owner. However, they will continue to process any payment that is sent to them even in error. I have talked to the insurance agent that I had insurance with and he has denied their request for extension. Yet, they still continue to take out money for insurance and can't provide a name or company to whom I am provided insurance with. How can you pay taxes or insurance on a home that you do not own and someone else has a mortgage and escrow on that property? Rushmore consumer affairs department looked into the account and refused to help me even after the payoff was provided. I hesitated to payoff the loan because I knew that if I had trouble getting an answer or help when I owed them money, then I knew I would be out of luck once I paid them off. My intuition was correct no help after payoff, even denied help from a submit complaint to their XXXX XXXX department.
|
| 07/05/2016 |
Yes |
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- Settlement process and costs
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Web |
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In XXXX 2016, my husband and I were pre-approved by XXXX XXXX Mortgage to purchase a property located at XXXX XXXX XXXX, XXXX PA XXXX. We made an offer which was accepted. A closing date was scheduled for XXXX XXXX. The property was listed by XXXX XXXX of XXXX XXXX in XXXX PA, XXXX XXXX XXXX XXXX # XXXX, XXXX, PA XXXX, ( XXXX ) XXXX. Our real estate agent is XXXX XXXX, ( XXXX ) XXXX, XXXXXXXXXXXX The following bank entity signed the addendum : XXXX, or Rushmore loan management services, who appear to be represented by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX We submitted an earnest deposit of {$4000.00} to the bank owner entity on behalf of XXXX XXXX.
On XXXX XXXX, the mortgage application went to underwriting and the mortgage was suddenly denied, based on the same documentation and information with which it was pre-approved. The mortgage company claimed that they did not know that my income was only part-time, and once they found out just before closing, they pulled out of the loan.
Our earnest money deposit of {$4000.00} still has not been refunded to us. The listing office XXXX never answers the phone or returns my voicemails.
Today our real estate agent told me that she was able to get in contact with XXXX. XXXX XXXX told her that the bank entity rejected refunding our earnest money deposit because a commitment letter had already been issued by XXXX XXXX Mortgage, and that the bank entity considers our mortgage to be in default.
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| 02/06/2023 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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Problem XXXX : I called to see if I had an FHA loan, or conventional loan. I was told it was FHA, and it Rushmore is saying it is conventional, but will not provide the the promisory note that was supposedly signed in XXXX of XXXX. I was forced to refinance to take my ex-husband 's name off the mortgage, when if my son could've assumed the loan, that was our financial preference as the interest rates were much lower, and I could continue to pay extra in the principal, thus paying my loan off faster. I would like this investigaged because Rushmore Loan Management is unable to provide a promisory note supporting their claim that my mortgage is no longer an FHA loan.
Problem XXXX : UNRESOLVED. I had to call to get my 1098 statement. The statement was provided to me on XXXX " XXXX '' or that's the date the company is using. I uploaded the document on XX/XX/XXXX. When I did so I observed that they had a greatly reduced amount that I had paid in my taxes. My taxes did not decrease by 50 %. Given the refinance, I am aware of my taxes. I called, and requested another 1098. They provided the same 1098, is someone stealing money? Each phone call is over an hour. The first part of the call connects you to a call center. This person says, " I will connect you with the correct department. '' I asked the name of the department, and the person repeats, " I will connect you with the correct department. '' Is it that they're grossly negligant and unable to run a company.
|
| 02/24/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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We repeatedly requested a loan modification from Rushmore Loan Management Services and even though my husband on XXXX and that was why we were looking for reduction from our 6.5 % interest they kept turning us down saying our income to debt ratio did n't fit their criteria for in home modification. We missed 3 payments, XXXX and XXXX XXXX and XXXX XXXX. Began sending payments again every month but starting XXXX XXXX Rushmore started denying acceptance of payments because we were n't paying off missing payments balance. Finally this month they denied our modification for the last time and demanded almost {$40000.00} in reinstatement quote including almost {$1000.00} in late fees and almost {$7000.00} in " Corporate Advances '' which were n't listed individually. Managed to get loan to pay this amount, then the Point of Contact called me after we XXXX cashiers check saying she had forgotten to include XXXX amount in quote and we owed another month. Agreed to reduce by the late fee. Also the value of house they also based part of denial on was taken from the web site XXXX. They never sent an appraiser to house. XXXX has our house incorrectly listed with more bedrooms than we have. We feel unfairly treated for consideration of a modification based on our loss of income from my husband working full time to being on XXXX. When they did deny us, they sent a letter stating what any of the numerous reasons might be without checking any specific denial reasons also.
|
| 02/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Servicemember |
|
Today I received a letter from Rushmore loan which was a demand for full payment by XX/XX/2023. I have been placed on the repayment plan and have been paying as agreed but the letter was certified and they also sent me the same letter regular mail so I call their office and they advise I am now in a different department and they can not help me I speak to this department and they said they could not find my payment while on hold they come back and say they found my payment and to disregard the letter I call back and they say a different thing and say they do not see the repayment plan for 10 months and this is my why my account was moved to this department. I call back cause after they speak I get disconnected again the same issue again you are in default and you have now been transferred they transfer my call and I get disconnected again I am requesting for an audit of this account I have been paying this loan as agreed in fact they are the ones taking the banking info for the payment and their is a serious problem with what plan I am on and what department they have thrown this account in I would like an audit of all money taken and a correction of where this account is placed since I am paying as agreed on the 10 month loan repayment agreement if you call you are on a plan and when you call back you are not you dont know if you are on a plan or not but they loose you payment and place you for notice when you are in fact paying the arrangement as agreed
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| 03/02/2022 |
Yes |
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- Trouble during payment process
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Web |
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On XX/XX/2022 I called Rushmore Loan Management Services to remove my banking information from their system. I received a letter from Rushmore on XX/XX/2022 that stated my mortgage company has been changed to XXXX XXXX XXXX. However, I was told by the representative ( I do not remember his name ) that he did not have the capability to remove my banking information I was told it was submitted to the IT Department. I then asked if I could receive some form of correspondence that shows that the issue has been raised to be resolved, I was told no, which does not make any sense. The representative told me to check back in a week when the issue should be resolved. I waited two weeks. I called Rushmore Management Systems again on XX/XX/2022 and spoke with XXXX ( XXXX ) who told me that my banking information is still there ( for some reason, whenever I told them that they are no longer my mortgage company, they keep saying yes I am ) Further, XXXX ASSURED me, that from my request again on XX/XX/2022 after my INITIAL request on XX/XX/2022 that my banking information and account with Rushmore Management Systems has been deleted. XXXX also ASSURED me that my banking account will NOT be charged. That was not true, on XX/XX/2022, a payment withdrawal from XXXX RLMS ACCOUNT in the amount of {$1300.00} was taken out of my bank account. Now, my account has been charged TWO MORTGAGE PAYMENTS. 1 from my current mortgage lender and 1 from Rushmore- the incorrect lender.
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| 10/03/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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We have been on an adjusted rate mortgage now at 6.5 %. My husband became XXXX and is on SSI at 1/2 his salary when he was employed. We fell behind and attempted to have Rushmore provide a loan modification. They first offered a 6 % interest. We still did n't see how we could meet that mortgage. Hired an attorney. Then the attorney insisted they re-review our numbers. Eventually Rushmore again stated that they would not even review us for a modification. This is the second time they have tried to take our home from us. The first time, because of a settlement, we were able to catch up but we do n't have that luxury anymore. Now we have just filed for Chapter XXXX bankruptcy to try and protect our home and see if we can finally get a real modification through bankruptcy court. Since we fell behind originally by 2-3 payments, every month we have tried to send in our monthly payment but Rushmore has refused acceptance of every payment we have tried to send in since XX/XX/XXXX. Because of their refusal to accept payments, we are falling ever more behind every single month and adding more to an impossible situation. Now we have severed ties with that attorney and after losing money with them we have had to pay someone else to file the bankruptcy. If our situation does not warrant consideration for a modification I do n't know what does. We just want the chance to have our loan modified to at least current interest rates and do n't think that 's unreasonable.
|
| 03/30/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
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|
Web |
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My husband lost his job and only received one month of unemployment benefits. During this period we reached out to our lender XXXX to see if they could offer us a modification. They sent us an application and we received a letter dated XXXX/XXXX/XXXX and our new trial period plan would start on XXXX/XXXX/XXXX in the amount of {$1200.00} which is a difference of {$340.00} from the original payment of {$1600.00}. We completed the 3 month period and would call XXXX on the status of the modification with XXXX XXXX the relationship manager for the loan account. She indicated to us to continue making the {$1200.00} payment and just just waiting for the final docs. We continued making on time payments up to XXXX XXXX a total of 9 months. We did not receive a call from XXXX just a letter stating " Interest Rate and Payment change schedule from 2 % to 4 % on XXXX/XXXX/XXXX in the amount of {$1600.00} and on XXXX/XXXX/XXXX to 4.75 % {$1700.00} P & I only! That is huge difference of over {$500.00} a month compared to the {$1200.00} included taxes and insurance. The reason we not got the final was they were waiting for the rate to take affect which we were not aware of but they XXXX should have complied with what they offered us in the first place to modify our loan. We are currently 11 months behind at the present moment. XXXX has since transferred the loan to Rushmore Loan Management services which they have failed or deny our modification because of our income.
|
| 04/09/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
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Web |
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I submitted a loan modification to Rushmore loan management. My income was more then enough to qualify. The day I submitted the file the Rep spoke to me and my assistant helping me on the modification and he stated that he " did not like the file '' and he would not submit it to underwriting. He sounded like he was not fully " sound '' or he was on some type of drugs or medication. When I brought this to his attention he got more upset and would n't transfer me to a supervisor. He then told me I was at the 38 day period prior to my foreclosure sale date and he would do everything in his power to kill my file. I went to court and had the sale date moved 14 more days and than resent the file and requested a new account rep. I got a new rep and the file was sent to underwriting and then declined. I sent an appeal and I was told because I had a foreclosure within 90 days they would not review my appeal. I did research and found out once they have a full modification file 38 days or more before my sale date they are supposed to place the foreclosure on hold which they did not do, than they are supposed to allow me a 30 day appeal process no matter what and they did not do this either. I believe this account rep stayed on top of my file and made sure it was denied due to my race and his prejudice towards me. XXXX was the point of contact that fought with me and he made a personal decision to decline moving the file to underwriting. His phone line is XXXX.
|
| 02/14/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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|
Web |
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The Company locked me out of my house again for the second time after letting them know I was in the middle of moving and the house was not vacant! I still have my personal belongings in the house! I called the company several times and they have still not gotten back to me. What kind of monsters are these people? I am a XXXX, single, XXXX woman in Bankruptcy XXXX and I was working with XXXX to modify the mortgage. Rushmore hired a company to break in and change my locks. When I finally got into my home, I discovered the company they hired stole my personal belongs that I had packed in 20 boxes ' They have a sale schedule on the XXXX of XXXX. This is illegal ' I have sent them my authorization letter for them to speak with my attorney to get into my house and my attorney sent them an authorization letter and Demand. They are refusing to speak with my attorney and will not take his calls. They said they have to wait 24- 48hrs. This is my house and they have caused me emotional stress and harm mentally ' They also have advertised to sell all my possessions in the sale ' XXXX either sold, owns, or is the servicer of the mortgage to XXXX/ XXXX / Rushmore address. I send a Qualified Written Request letter to all companies to find out who the real lender is. I am also challenging all the security deeds as they said that I and my ex-husband XXXX XXXX executed them and that XXXX is out Attorney in Fact. The property description and the deeds are fraudulent.
|
| 02/08/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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According to XXXX XXXX ( Original Lender ) our mortgage account was sold to XXXX XXXX and in turn sold to Rushmore Loan Services on XX/XX/XXXX. All servicer 's without exceptions violated Federal Rule 1024.33 ( a ), 1024.33 ( b ) ( 3 ). We have NOTreceive notices from any of the above servicer 's regarding the transfer among the different lenders. XXXX XXXX does not exist any longer therefore took us years to here from XXXX XXXX, and was told the loan was sold to XXXX XXXX. The company stated that the loan was sold to Rushmore since XX/XX/XXXX. Sometime on or before XX/XX/XXXX, I contacted Rushmore and convey that had yet to receive notices of transfer and mentioned the Federal Rules .These notices must be sent to the PROPERTY ADDRESS PURSUANT TO THE ABOVE MENTIONED FEDERAL RULES. Few weeks later after our phone conversation the servicer tried to cover their error by sending mortgage statements. The servicer acquired our loan on XX/XX/XXXX, yet failed to send notices of transfer, nor provided with notices in regards to being the new servicer, Nor statement until XX/XX/XXXX. The servicer wasted valuable time while we could have applied for a loan modification years ago. It appears on its face that Rushmore does not follow Federal Servicing Rules or have any respect for the above mentioned Federal Rules. At this juncture we want to retain our property and are interested in home retention. We have provided Rushmore with a loan modification request.
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| 03/28/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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Rushmore Mortgage has applied illegally insurance to my escrow account which has obligated me to pay twice for the same risk and coverage. This is illegal. I have contacted them several times and They only answer with no technical explanation. I have provided insurance for the structure of the building were my unit is built and they referred to that insurance as a blanket which is not. This insurance covered the unit as stated in the certificates I have sent since I own that unit.Condiominium policies have specific ISO form the Insurance Service Office which it is not remotely what Rushmore Mortgage intend to portrait. They are requesting an HO6 form which esentially is, content of the unit coverage which for a 800 sqf unit is no more than {$10000.00}. They illegally charged me for insurance for the same value of the loan. Insurance is for the replacement cost value as I have explained them several times. In this case the unit has full coverage of the structures and evrything under a special form insurance which they can obrtain from ISO but They believe that they can do this to offset his own blanket policy which basically is an insurance for their business. CFPB needs to act in this complain because it is damaging many middle class homeowners increasing their monthly payments and creating another recession which at the end of the day damage middle class since the investor receive a bail out which would be also charged to the middle class taxes.
|
| 03/22/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Older American |
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XX/XX/XXXX Substitute Parties Motion Granted from XXXX XXXX to XXXX XXXX XXXX XXXX which upon information and belief engaged in " Theft by Deception ''.
XX/XX/XXXX Foreclosure Motion for Summary Judgment Granted for Principal Balance ; Interest from XX/XX/XXXX plus per diem {$8.00} ; Escrow Advances ; Fees ; Corporate Advances ; Suspense Balance ; reasonable counsel fees.
XX/XX/XXXX XXXX XXXX stayed by attorney for loss mitigation with servicer.
XX/XX/XXXX Entered into a trial modification agreement requiring an initial payment in the amount of {$7400.00} and six additional monthly payments through XX/XX/XXXX in the amount of {$970.00} which is an amount well in excess of regular monthly payment of {$630.00}.
XX/XX/XXXX Trial modification completed and non-performance of permanent modification agreement by XXXX XXXX XXXX.
XX/XX/XXXX XXXX XXXX XXXX letter to CFPB Complaint states, " While XXXXXXXX XXXX as Trustee may be identified as the nominal mortgage owner, and XXXX appear on certain foreclosure or other documents, as RMBS trustee, we have no authority to review and/or approve or disapprove of these decisions and actions. '' XX/XX/XXXX Loan allegedly sold to new investor owner however, no instrument at Recorder of Deeds.
XX/XX/XXXX Notice of Sale of Ownership of Mortgage Loan sent by servicer.
XX/XX/XXXX XXXX XXXX monthly payment in accordance with trial modification agreement with total payments in the amount of {$15000.00}.
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| 05/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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Since the death of my mother-in-law and tenant-in-common on the subject property, I have attempted to assert my rights as survivor-in-interest with the mortgage servicer ( XXXX, XXXX XXXX and now Rushmore Loan Management Services ). I have provided a copy of the Grant Deed granting me a 50 % interest ( in XXXX ), a copy of her death certificate ( XXXX ), and proof that the subject property has been my principal residence ( since XXXX ). Additionally, I have made every single payment to all three loan servicers since XXXX.
Successors in interest to property secured by mortgage loans covered by the Real Estate Settlement Procedures Act ( RESPA ) and the Truth In Lending Act ( TILA ) are guaranteed certain rights as part of the Consumer Financial Protection Bureaus XXXX Mortgage Servicing Rule amendments to RESPA and TILA. A successor in interest is a borrower for purposes of RESPAs mortgage servicing rules and 12 C.F.R. 1024.17 and a consumer for TILAs mortgage servicing rules. 12 C.F.R 1024.30 ( d ) and 1026.2 ( 11 ). Successors in interest are entitled to the same rights as the original borrower.
Rushmore is refusing to accept payments from me ( or the 2nd TD holder ) even though under the California Civil Code, 2nd TD holders have the right to bring the first current which was current until Rushmore returned the XX/XX/XXXX payment.
Rushmore 's actions are being taken with the expressed intent of forcing the property into foreclosure.
|
| 08/08/2018 |
Yes |
|
- Struggling to pay mortgage
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|
Web |
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Good Day, Since XX/XX/2017 I have been trying to submit a modification to Rushmore low mileage on several occasions since XXXX and XX/XX/2017 they have told me they have received the packages in later turn around or day after or two days lately with a message or city some type of a mailing no they dont have all the paperwork and when I get in contact with Rushmore and let me know if the let me know what paperwork they need which they already have received which I faxed over again and then they say they will send it to the underwriters in which what is it to the underwriters they call me back to see another different pages missing or I need to write in my own hand writing why dont I have this why that I have that I have sent documents with this complaint that I have thats involved. I have been through HARP COUNSELING, they also say I should be approved. I believe Rushmore Loan Management is trying to force me even being on XXXX through my employer out my Home for my Wife and Kids. I am sick and now that things are on track financially I can start to recover my life back. Even though I have XXXX XXXX XXXX that should not be a reason to discrminate me on being able to keep my home I do not want to lose to foreclosure. Over a year Rushmore has been stringing me along to raise the dept to make it hard to get approved for help to keep my home. They have lied to me on numerous occasions. Please help me and my family stay in our home. God Bless you.
|
| 07/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
My situation is as follow.
I had a mortgage loan with XXXX XXXX, this bank was closed for the federal government, my mortgage passed to XXXX XXXX in XXXX after that Rushmore servicing took my loan.
In one occasion I sent to them a CK for the amount of XXXX to pay in full all my debit because during their process they no want receive payments.
Pass the time and I no pay the loan but they give me the opportunity of buy my home for second time and give me until XX/XX/XXXX to buy, but Rushmore and XXXX XXXX was working together to make a foreclosure no matter told me yes you can buy. In that start the Covid situation that stoped all process. No matter that in XX/XX/XXXX I received a note in my home of a young man that bought in a foreclosure my home with me and my things inside. Now I have to take my things and exit from my home because they want me out. This process was illegal for many circumstances. I never receive a letter or any legal note of when and where was the forclosure all took me by surprise. This affect me two times because I work from home and now stop my incomes, no home, no nothing and the government here with the money of the people in bank and no give us any help Is incredible this situation because I don't know what I'm going to make because need a lot of money to make my movement too but can't work or produce because have the new owner calling because have hurry.
Any one can help neor give me any legal orientation
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| 04/28/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Older American, Servicemember |
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My complaint is about a transfer of loan servicing. My mortgage loan is transferred to Rushmore Loan Management Services LLC effective XX/XX/2018. l mailed the payment due in the same amount due from my previous servicer. I just received a letter telling me the payment amount has been increased and Rushmore did not explain why the payment is increased. It is impossible to speak with the servicer via telephone because they say they can not find my account. It is not possible to make a sign-in account on their Internet site because a message appears that says my information does not match my account. I am using the same information that I received in correspondence from Rushmore. I did some Internet searches and discovered a litany of abuses by this servicer, one being the obstruction and/or refusal to accept payments. So my situation is that I mailed them a payment and now Rushmore says the new payment amount is higher and I don't know how to solve the problem. I do not have the ability to accept their phone calls, yet they say that my account can not be available to me unless I talk to them on a phone call which they originate. The requirement for me to be accessible via a telephone call originated by Rushmore is obstruction of account access and other options that are available i.e. electronic, are also denied access. It should not be this difficult to obtain information and make payments. I suspect it is intentional obstruction.
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| 07/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I had a loan for {$360000.00} on this property. with an additional {$40000.00} for the heloc. I receieve 1099 for XXXX in XXXX that i paid irs taxes in XXXX and a release lien from DOJ for XXXX on XX/XX/XXXX. So i have paid {$400000.00} however they are trying to collect {$160000.00} from me. i filed a ch.XXXX and converted it to a ch. XXXX bankruptcy in XXXX and no one responded. I got the discharge. XXXX XXXX XXXX XXXX said i did not owe any more money. I got the final discharge on the bankruptcy. Then in XXXX this company came out of nowhere saying that i owe them {$100000.00}. This bank is being unreasonable, They are not doing what the federal government said they should be doing. They are not helping me. I went into another Ch.XXXX in XXXX and it was dismissed in XX/XX/XXXX. Since at least XX/XX/XXXX, there has a been an international pandemic and a judicial emergency. The courts are not allowing evictions nor foreclosures at this time due to the statewide judicial emergency. The judicial emergency has been extended through XX/XX/XXXX ; however they are threatening to foreclose on me on XX/XX/XXXX. I was making all my monthly payments through bankruptcy until it was dismissed. They have refused to take any money from me since the bankruptcy has been dismissed. I don't think i owe them anything but if i do i need a 12 month deferment due to covid19. Over 40 million people have been unemployed in the country due to covid19.
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| 05/04/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I bought my house in 2003 for XXXX. I put XXXX as the downpayment. My loan was with XXXX After more than 12 years paying them, on time, my loan went up. For months I tried to negotiate the loan ( trying to bring the principal down ) because it just went up. I sent them all the letters they requested. Months and months passed and they made all kinds of excuses. Then they sold the loan. I tried to get a loan modification through HUD and a lawyer. The loan modification I got has horrible terms. After paying more than 300K to the various companies, I still owe XXXX plus some late fees!!!! That is not just outrageous but unethical and perhaps illegal. I have been paying XXXX to Rushmore who bought my loan from a horrible company called XXXX which is now being sued. I have never been late in payment but my principal does not go down. Now they have raised the monthly fee to XXXX which they say it is for back taxes. I did not agree to this as coming up with XXXX dollars a month is a lot of money. I would like to pay the same amount and I would like them to reduce the balance. Why should they be making XXXX percent profit and the homeowner NOTHING. I want them to reply and to come up with a resolution that is beneficial to me and not just to them. I also pay for insurance and HOA which means I can't come up with XXXX extra a month. I would like CFPB to negotiate a better loan with them. I want to own a brick in my houseXXXX XXXX XXXX
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| 06/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I was recently notified by mail that there was a new sale date set for XX/XX/2022, not giving me enough time to try to do anything about it. I am working with XXXX to stop the foreclosure and complete a loss mitigation application. Every time I have received an application in the mail from Rushmore, I have completed it and sent it with requested documents and never hear anything back. XXXX sent a package to Rushmore on XX/XX/2022 with no response. I gave Rushmore written and verbal permission to speak with my XXXX representative. I am willing to restart my mortgage payments with the exception they allow me to pay the Home Owners insurance an taxes separately, thus lowering my monthly mortgage payment. I started a new job at the beginning of XXXX and I'm doing well there. I have not received any more loss mitigation applications from Rushmore after giving permission to speak with the XXXX representatives. There's no communication what-so-ever. It would be mutually financially conducive for Rushmore and myself if they would consider lowering my monthly payment and allow me to pay the taxes and insurance separate. I do not think it's too much to ask. I would have happily downloaded the application from their website but they have blocked me from logging in, therefore I also can not access any previous documents regarding my account. Please advise as soon as possible, as this is EXTREMELY time sensitive at this point. Thank you.
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| 06/23/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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I have previously filed a complaint with CFPB about my lender, Rushmore Loan Management. My payments were paused during COVID and I have been trying to restart my monthly payments. Rushmore has been demanding that I pay the lump sum they say is due ( {$49000.00} ).
I mailed them a {$1900.00} check ( roughly a monthly payment ) to attempt to restart my monthly payments and they returned it to me. I complained to CFPB. Rushmore 's response to CFPB claimed they had sent me a Partial Claim Agreement that to resolve the issue and that I needed to complete it and pay {$1800.00} by XX/XX/XXXX ( bear in mind they had also just returned {$1900.00} to me ). However, I did not receive that. From their response provided to CFPB ( attachedXXXX XXXX ), it appears they sent that to the property address rather than my address ( I live out of state and they know that, as you can see from the bill they did send me, also attached here ). So instead of receiving that, I have again received a demand ( attached ) for the full $ XXXX by the end of the month. The CFPB site specifically says that people who were in Covid forbearance do not have to pay lump sums to exit the forbearance. Yet Rushmore is continuing to send me bills demanding the lump sum while misrepresenting to CFPB that they are offering me alternative options. I just want to get back to monthly payments and Rushmore is not attempting in good faith to help me do that. Please help!
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| 08/09/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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I came home from hospital and called a friend to take me to XXXX XXXX she came at XXXX on XX/XX/2016. We returned a few hours later and when driving up I noticed my front door opened and there was a latter against the front of the house. She went to the back of the house while I looked around the front. My window inside was broken and someone had started cleaning up some of the glass.We both called out several times when to men finally came out from back. They said my mortgage company sent them to lock box my house. What, I said, I am not in foreclose.I asked for papers he had none, only a email. I called mortgage company, Rushmore Mortgage { XXXX } tried to reach XXXX XXXX but could n't { XXXX } she is my contact person that I keep constant contact with. The man told me that they did send him to lock box the house and that they thought I had moved out, also that it does not show I am in foreclose. I asked friend to call police and asked them to arrest him. Police spoke with mortgage company and they also told him I was not in foreclose but they had a right to be there. { police report cad # XXXX } After police and friend left, I open door and seen that he had been inside the house. Things were moved, television, tools, money, closets, draws were opened also in bedroom and basement door was opened. Things were moved by front door.I have trouble sleeping, I was so scared. I cried all the time officer was there.I am very sick.
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| 12/18/2017 |
Yes |
- Debt collection
- Mortgage debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Since XXXX XXXX when we realized our mortgage had once again been switched over to another company ( XXXX XXXX XXXX ) ; we have faxed ( XXXX XXXX, XXXX ) them the information they needed to do our loan modification, emailed them XXXX times, and then mailed them all of the same information that was faxed to them on XXXX XXXX, which they received on XXXX XXXX, XXXX according to the tracking number. Every time I contacted XXXX XXXX services, after I had sent them the information they requested I was told they still had not received the information they needed to do our loan modification.
When I spoke with XXXX XXXX on XXXX XXXX, that was when she informed me she still had not received the mailing, and then sent the email to the party who signed for it to try and locate that mailing. We then agreed upon a payment on XXXX/XXXX/XXXX Payment Applied {$1000.00}. When I then called in to see if anything had been done about the mailing I ended up having to call 4 times, and made sure they entered the tracking number with the persons name who had signed for it to be documented in our record. To this day nothing has been settled to have them modify our loan due to their negligence and inability to notify us of any help that we need so we can make payments we are able to afford. Even after calling that day 4 times, XXXX XXXX has not returned any of my calls even when I 've left messages for her to contact me.
Thank you for your time
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| 04/09/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I have filed a complaint in the past regarding XXXX XXXX utilizing wrong information to calculate my request for a loan modification so I could keep my house after my divorce. Due to this error, which really should be checked into for private investor loans not just XXXX, XXXX, and XXXX, my house was put into foreclosure as I had to stop paying in order to procure a short sale that the divorce courts ulitmately ordered because XXXX XXXX would not work with me to get my ex husbands name off the loan. Ultimately, during the right to reinstate period I ended up with a short sale in XX/XX/XXXX.
I have just been notified that my " LOAN '' was sold to Rushmore Loan Management Services effective XX/XX/XXXX, 3 months after the approved and closed short sale. I have been in touch with Rushmore Loan management XXXX XXXX XXXX as well as a general Loss Mitt representative regarding the sale of the house multiple times already. Now they are threatening foreclosure and hurting my credit rating instead of doing their due dilligence.
Between XXXX XXXX and Rushmore Loan Management, I have incurred more XXXX issues and feel this is XXXX XXXX retribution against me because I have filed multiple complaints against them. This is causing additional stress to myself and my family not to mention now I have to watch my credit for false reporting AGAIN!!!! This is continues Harrassment on the part of XXXX XXXX and now Rushmore Loan Management.
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| 06/14/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Older American |
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My current mortgage holder, XXXX Mortgage, a Connecticut Company, sold my mortgage to Rushmore Loan Management Services, a Texas Company, on XX/XX/2015.
The terms of the mortgage were to remain unchanged. When Rushmore sent me written confirmation they had me owning the wrong home and the wrong mortgage terms. I called them and they corrected the records to reflect the correct home and mortgage terms in a letter to me dated XX/XX/2015. However when they sent a billing they had the incorrect amount. I should be paying a total of $ XXXX per month and they are billing me $XXXX. I have called them multiple times and all I get is promises that they will investigate. In the mean while I have sent them XXXX payments of $XXXX for XX/XX/XXXX and XX/XX/XXXX but they have not applied either payment to my mortgage. They are calling me every other day dunning me for payment of the incorrect amount and telling me that I am XXXX months behind in my mortgage payments. I have spoken with XXXX different people at Rushmore and it is like beating your head against the wall. Now they threatening to start foreclosure against me and to report me to the credit reporting agencies while I am current in my payments. I am fearful that their errors will cost me unnecessary legal fees and destroy my absolutely perfect credit rating. My wife and I are in our XXXX and do not need dealing with Rushmore. Your help will be greatly appreciated.
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| 01/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Upon the transfer of this mortgage to Rushmore, our escrow was doubled due to an accounting error by Rushmore. We were in the process of disputing this when Rushmore refused to apply any payments towards the mortgage. We stopped paying during dispute but Rushmore was no help and we were then put into foreclosure. During the foreclosure process we then received an offer of modification for the exact amount that we originally should have been paying less the error n the escrow. The attorneys for both sides handling this came to a resolution and Rushmores attorney then sent us a letter for us to send to the credit agencies that have us listed negatively stating that this was an accounting error and we should not have this adverse credit. XXXX and XXXX have both sent in disputes numerous times to Rushmore to have them remove and update our credit to no avail. As of this date, I still have this on my credit as negative and I am currently under contract to buy another home and am working with a mortgage lender, however due to the low score stemming for this negative report, I am in jeopardy of either NOT getting the mortgage or paying a premium interest as well as other fees! Rushmore also does not have a direct line or person to speak to for any kind of help! Please not prior to this we have 2 mortgages with never being late as well as the one I question never being late prior to the accounting error on Rushmores part.
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| 04/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My mortgage was purchased from XXXX XXXX by Rushmore Loan Management. Rushmore has seemed sleazy from the get-go. As a result, I send all my mortgage payments " 2 day mail '' in case Rushmore lies about when they receive my payment and charge me late fees. Well, sure enough, they have charged me late fees when they have received the payment on time. I have documentation from Rushmore that they assessed late fees on XX/XX/2018, when they had already received my payment ( they received my mortgage payment at XXXX XXXX on the XX/XX/XXXX ). Rushmore was only to assess late fees on payments received after the XXXX of the month. Even though they had my payment on the XXXX ( they admitted to it ) they assessed a late fee of {$100.00} I have never paid late!!! Rushmore has assessed me a total of {$540.00} in late fees even though they have always been paid on time. I continue to faithfully pay my mortgage on time ( for 20 years ). Never late! But Rushmore has assessed late fees on payments they receive on time. Now, Rushmore has put my loan in default for not paying their bogus late fees ( All payment have been made ... and made on time ). I have no doubt that Rushmore has planned this all along. I see that your bureau has received 1,251,852 complaints about Rushmore. I have tried repeatedly to have Rushmore take care of this, but they won't fix it. I need your help! They need to be shut down, fined, etc.!! Thank you
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| 03/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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My loan has been sold several times and the latest is Rushmore Loan.
Since XXXX of XXXX I have been paying extra escrow payments for their required 2 month cushion.
Since they have obtained this loan to date XX/XX/XXXX I have paid in a total of XXXX and every year at escrow analysis time I have a new monthly payment reflecting their projected property tax, hazard insurance, my principal and it includes the shortage.
At this time I start all over again owing 2 months worth of escrow cushion but no one can give a clear and simple explanation of where the money I have paid in has gone.
I receive a check from them to pay my taxes and for 2 years in a row it has been higher than the taxes and I end up with a check back from the city.
If I never have enough money for the cushion how am I getting money back when I pay my taxes?
Their explanations make no sense and I am told that the amount is going down but due to them spreading the payment out this is why I am behind. I can not get anyone to explain in plain English why I paid in XXXX and every analysis I wind up having nothing in the cushion and start all over. I don't know where these funds are being allocated. I am not an accountant so their analysis make no sense to me.
I pay the amount I am required every month yet still have no cushion.
I am not sure how I am ever going to have the required cushion if every analysis I am told there is nothing left.
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| 04/26/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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I never received any notification about the forclosure and I had already had a hired a attorney help me in case any issues like this would come up! Yet the company are starting forclosure process while I was in forbearance and have never tried to work with me or my attorney! There was a gentleman that called me, and told me to fire my attorney and get my money back because he was giving me all the wrong information! I have requested to Rushmoore to have to all communication with my Attorney only because I don't understand how all this works since I never been through this! I also requested that they send all copies of the paper work that I signed to my attorney and yet they have not sent them and the only thing they have done is sends me letters delaying the process over and over again! This company is not following the laws at all because they have made changes to my credit report and they have failed to do any communication regarding the forclosure issues while I was in forbearance and will not communicate with my attorney to send the paper work and have someone call me to get rid of my attorney and was very nasty about it and cruel! How this company able to this and without any communication through my attorney? Are they allow to be so cruel and make these changes? This company has caused me so many problem and this why I filing another complaint and would appreciate answers back regarding this matter!
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| 10/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I got sick with XXXX XXXX XXXX then I got worst when I got XXXX. After a long illness Ive recovered enough to start working again. My mortgage servicer stopped accepting payments and told me I have to bring everything current. I applied and was approved for the HAF program but my mortgage servicer is dragging there foot in an attempt to foreclose on my home. This is the second HAF attempt to work with Rushmore Loan Services to bring my mortgage current. Rushmore employed delay tactics the first HAF attempt until the 30 day HAF time limit expired. Were now in the second HAF attempt and Rushmore is employing the same tactics. My home is worth $ XXXX {$380000.00}. Rushmore and its investor XXXX stand to make more if they foreclose on my home than accept the HAF settlement which would bring my status current. Rushmore has locked me out of online access to my account since XX/XX/2022. I have no access to government programs because Rushmore has denied online applications. I filled for bankruptcy In XXXX of XXXX to stop Rushmore from foreclosing on my home. I have made my last XXXX mortgage payments but my balance owed has gone up over {$9000.00} according to Rushmore. I need help to keep my home for me and my kids. Im a XXXX with XXXX kids. The lying and obfuscation by Rushmore is depressing and very stressful. Im at my wicks end. Disturbing thoughts are coming into my mind more frequently. Please help me?
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| 01/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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XX/XX/XXXX I went to XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX for assistance with my mortgage and loan modification application. With the help of a housing counselor we submitted the complete application and called every 3 weeks for a status, each time i was asked to provide additional documentation ( check stubs, 1099 letter of explanation etc ). I provided all information requested on XX/XX/XXXX, I called the lender for a status and call was lost after more than an hour hold. I called back on XX/XX/XXXX with Housing Counselor on conference, and after an hour hold call was dropped. We conference call back and after 1 hours same thing, call dropped.
We called for the third time and spoke with someone who states the application was denied as they were waiting for profit and loss. The profit and loss was previously submitted on XX/XX/XXXX. I called the end of XXXX before the holiday and was told to call in a week or tow. Then the customer representative states it was denied as the profit and loss statement was not signed. I advised it was signed on line 1. she placed the call on hold and hung up. I am submitting another application, however, i can concerned that i will have the same issues and i am not getting help and timely information to comply. This prior application was decisioned before I was able to comply. I am still waiting for the letter of denial sent XX/XX/XXXX per the lender. I have attached
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| 04/10/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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i'm the tenant living at XXXX XXXX XXXX XXXX, NY XXXX XXXX . XXXX. There was a certified letter from Rushmore Loan Mortgage company in the mail box, of which I left on the counter. The reason I'm contacting the CFPB is because I sent a letter to the SEC with a bunch of documents, because XXXX XXXX the condominium owner was XXXX and after one year the property is still in his name. and from XX/XX/XXXX to XX/XX/XXXX the property went through foreclosure. Some how the condominium board was able to collect the rental income from XX/XX/XXXX to XX/XX/XXXX from NYCHA while I paid my portion to XXXX XXXX. I was never served the required documents under RPAPL 1304 thru 1307. NYCHA can't produce documents showing XXXX XXXX XXXX compliance with RPL 339 : aa, z, kk. DHCR refuses to supply XXXX XXXX XXXX response to my complaint. So, my question to CFPB is Rushmore Loan Mortgage company so corrupt that they would open a mortgage loan in a dead man name? If the loan was taken out prior to XX/XX/XXXX ( the date of XXXX XXXX XXXX ) how did they receive the mortgage payments, because no estate file is filed with the XXXX Supreme Court. I haven't had a landlord in over a year and I'm curious why Rushmore Loan Mortgage Comapny would be sending certified mail to a decease person. I believe the SEC didn't investigate because the XXXX XXXX XXXX XXXX and the State of New York Retirement Fund was invested into the property,
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| 10/11/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Rushmore Loan Management Services bought our mortgage from XXXX XXXX. They added a fraudulent " fee '' onto our XX/XX/XXXX mortgage payment even though we have never been late and we overpay. We paid the fee so that we would not have a bad mark on our credit, but we called right away to have them take it off, because they had assured us over and over they would charge NO FEES during the first 60 days after they had bought out our loan from XXXX XXXX. We only paid it to make sure we had no amount on our bill " past due. '' We called several times, and they kept lying and saying the charges came from XXXX XXXX, and then from our XXXX XXXX XXXX accounts. Those were lies. We had to do the legwork and contact both banks, who told us Rushmore 's claim was ridiculous. They would charge us themselves if we had a fee. FINALLY we spoke to a supervisor at XXXX who admitted the fee was a mistake HE had added and SAID it would be taken off. When our XXXX bill arrived this week, the fee was NOT credited back to our account!!! PLUS a new {$25.00} fee was added to the XXXX bill with NO explanation or reason!! I believe someone is fraudulently charging us and collecting the money on the side. When we called, the automatic recording that states how much we owe gave us a total withOUT the fee even though it appears on our statement! And where is our credit for the fee we already paid that we should not have owed?
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| 04/04/2017 |
Yes |
- Mortgage
- Reverse mortgage
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- Loan modification,collection,foreclosure
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Web |
Older American |
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Rushmore Loan Management Services, LLC XXXX, CA XXXX My aunt and uncle ( deceased ) had a reverse mortgage that was serviced by a company called XXXX. My uncle died in XXXX. His wife could not afford to maintain their home nor afford to pay insurance and taxes on the home. In XX/XX/XXXX, she sent by certified mail return receipt requested, a letter to XXXX with a copy of the death certificate stating her situation and requesting that HUD take back the home. In XX/XX/XXXX, she had not heard anything from XXXX and called them. They told her that they had received the death certificate but did not have any record of the letter turning the home over to HUD. She again sent a copy of the first letter to XXXX by certified mail return receipt requested. At that point she washed her hands of the situation. She cancelled the utilities and quit paying for insurance and taxes. The home has now been vacant for over two years. On Friday, XX/XX/XXXX, she receives a certified letter from an attorney 's office hired by your company stating that they intent to accelerate the note if she does not pay {$110000.00} plus other fees. After getting the attorney 's office a letter of authorization to talk to them from my aunt, I was told that the file had been closed.
My aunt is elderly. She does not need this kind of XXXX. She did what was required two years ago.
My question to you is " What the XXXX is Going On? ''
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| 12/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On XX/XX/XXXX I submitted a request to Rushmore Mortgage company to remove late payments that they had recorded and reported on my credit report during the year XXXX when my loan was transferred to them from another lender. My mortgage was being paid by the XXXX XXXX XXXX XXXX. Agency. Payments were being paid electronically on time according to schedule. Somehow something went wrong with the way Rushmore was recording the data and it reported several late payments. The XXXX XXXX XXXX XXXX reached out to Rushmore several times in trying to rectify the problem but did not get any responses from them. When XXXX did hear something after reporting Rushmore to the US Department of Treasury, Rushmore stated they were having staffing issues back then. Nevertheless, the reporting issue was never cleared up. I thought everything was good until recently I learned that those reporting errors was hurting my credit profile and ability to get fair credit. I then appeal to Rushmore to examine the records and remove the late payments recorded in error. Within approximately 24 to 36 hours I was told that the records were correct. I included the email dialogue I had with the XXXX representative attesting to the inaccuracy of the records as they were paying on time.
I think Rushmore has been unfair in their investigation and that they should correct the records and remove those late payment recordings.
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| 10/10/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have had a mortgage on my condo in XXXX XXXX FL for many years, and in recent years it has been serviced by Rushmore Loan Management Services of XXXX CA.
Recently, I had enough money to pay off the loan in full so requested a payoff statement from Rushmore. They sent me one, dated XX/XX/2019, indicating that the total amount to pay the loan in full would be {$4600.00}, provided the funds were paid before XX/XX/2019.
I paid them that full amount of {$4600.00} on XX/XX/2019. The next day, I checked the online loan system and it told me that I owe another {$350.00}. I raised a query on their online messaging system on XX/XX/XXXX and got back a response saying only the query was under review. I chased it with another online message on XX/XX/XXXX, and got back a message saying I should call them.
So I called them today XXXX XX/XX/XXXX ) and they left me on hold for a very long time, attempted to brush me off with unconvincing explanations, and then only when I persisted, agreed to submit a " request for research to their cashiering department ''. But they are still unable to resolve the situation or give me a firm timetable for resolution.
It's very simple - I paid the full amount in their payoff statement and I paid it on time. They need to acknowledge that I don't owe them any more money and they need to stop giving me the runaround. This loan should have been completed already.
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| 03/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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Rushmore Loan Management, my mortgage company not by choice but because they purchased my mortgage from my former mortgage company, has been in possession of {$28000.00} issued by my insurance company, XXXX XXXX, to cover a portion of the cost to replace the damaged roof on my home. The checks were issued to me, my wife and Rushmore. My wife and I were instructed to endorse the checks and forward them to Rushmore 's Loss Draft Department in XXXX XXXX, Texas, which I did, the first check was sent on XX/XX/XXXX in the amount of {$27000.00} and the second check in the amount of {$1200.00} on XX/XX/XXXX. For the past five weeks me, my wife and the business manager of the roofing contractor that did the work on our home have been trying to Rushmore to release the funds. The roofing project was completed in XX/XX/XXXX. XXXX XXXX issued payment based on project completion, my wife and I have signed an affidavit of completion, the roofing company has signed an affidavit of completion, the local building inspector has issued a certificate of completion and our XX/XX/XXXX has issued a letter of completion and yet XXXX can not complete the process or is unable or unwilling to process our request and return our funds so we can make the final payment to the roofing company. The roofing company has been waiting for payment for more than 90 days and are in the process of putting a lien on our home.
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| 06/22/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Your Loan Number : XXXX, XXXX XXXX XXXX. XXXX XXXX, Va. XXXX Synopsis of Your Loan # XXXX, XXXX XXXX XXXX. and Demand of Estate 1. Loan Originated : XX/XX/XXXX Just Mortgage, {$460000.00}, 6.5 % /annum, $ XXXX 2. XXXX XXXX took the loan over from Just Mortgage on same day of the Loan 3. Mortgagor XXXX XXXX passed away.
4. Mortgage payment getting delay.
5. During the difficult time, weve been trying to get catch up the loan and even worked loan modification that conditionally approved by XXXX XXXX and we succeed 3 months trial payment period, but it is not taken the place without any explanation.
6. XXXX promise to give us Flex Modification that we can qualify on XX/XX/XXXX 7. XXXX XXXX XXXX claims that they are the servicer of the mortgage.
8. The point of contact pretended not to know about promised Flex Modification 9. Push to complete the loan modification form without any terms and conditions which is not the Federal Flex Modification that promised by XXXX XX/XX/XXXX 10. XX/XX/XXXX send us NOTICE OF DEFAULT AND INTENT TO ACCELERATE with inaccurate payment due of {$310000.00} 11. Weve tried to get solved the issues with XXXX XXXX XXXX but weve been ignored 12. XX/XX/XXXX Rushmore Loan Management Services took over the Loan as the servicer of the Loan and XXXX XXXX XXXX as the Owner of the Loan Estate of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, Va. XXXX Your Loan Number : XXXX
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| 11/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
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As a result of copvid-19 my income decreased drastically. I've reached out to Rushmore multiple times submitting, and resubmitting requested documents over the last 6 months to secure some sort of assistance. Regardless of what was submitted it was never enough. I have submitted all requested Borrower Assistance Application information regarding my loan modification. Finally, after 6 months of back and fourth, rejected payments, Rushmore has finally acknowledged all paperwork has been received.
On Friday XX/XX/XXXX I received a letter dated XX/XX/XXXX stating I am in default on my mortgage loan and encouraged to contact Rushmore to explore foreclosure alternatives. I'm currently in the middle of a modification??? I received a letter dated XX/XX/XXXX stating Rushmore would reply in 30 days to my modification request. After submitting all my paperwork, receiving acknowledgement that all of my loan modification paperwork was successfully submitted, I receive a letter referencing foreclosure. Now I'm being told to pursue foreclosure alternatives, my modification request is still pending or so I thought.
I am doing everything requested to keep my forever home and Rushmore continues to place doubt that they are trying to help me keep my home. I finally feel like it's going to be alright and then I get this notice in mail as if I hadn't already submitted a modification application.
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| 06/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I am doing this complaint against my current servicer, Rushmore Loan Management and the previous servicer, XXXX XXXX Mortgage regarding the inaccurate information reported on my credit reports regarding my payment history. I have attempted to resolve this with XXXX XXXX Mortgage for many years with no resolve as they have always told me I was 30 days behind but they could never produce when I actually became behind stating that their records only went back to XXXX. My payment is due on the XXXX of the month and I always pay at the end of the month. Then when my loan was transferred to Rushmore Loan Management, on XX/XX/XXXX, they are now stating that I was 30 days late in XXXX, XXXX due to the fact that XXXX transferred it to them 30 days behind, they couldnt report any derogatories because of the 60 day transfer rule and now I was late again. This is totally wrong and confusing. I am in the middle of trying to refinance my loan for a lower and fixed rate loan. My credit report is showing that I had a 30 day late in XXXX, XXXX and now a 30 day late in XXXX of this year.
This is not true. I have attached my XXXX XXXX receipts and proof of payments from XXXX, XXXX through XXXX, XXXX. I need this information corrected immediately as it is a violation of my rights to not be able to get accurate information from my servicer all these years and that I have made payments every month.
|
| 04/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
In XX/XX/2020 I contacted Rushmore regarding the status of my mortgage payments and that we were struggling to make our mortgage payments due to a loss / decrease to our income due to COVID 19. We received nothing from Rushmore in writing until XXXX at which time they offered a " Modification '' agreement to adding 10 more years to our mortgage with no relief in the monthly payment but a few dollars. I called back on XXXX and advised them we were unable to make the " Modification '' Payment amounts at that time and we needed additional relief and requested a " Forebearance '' for our payments as my husband was struggling trying to find a better paying more consistent job due to the pandemic. At that time I was advised they were " recoding the system to request the assistance of the forebearance and that i would have something in writing within 10 days ''. On XXXX I called back as we still had not heard anything. I was then advised that there must be an error or oversight on their part and that the request would be escalated and I should be hearing from them within XXXX - XXXX hours. On XXXX I called back and was given the exact same ( verbatim ) sentence as my previous phone call on XXXX. As of today, I was told by XXXX Employee # XXXX, nothing has been done, there must have been an error and he was escalating to his manager and that we should hear back within a couple days.
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| 10/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
I was approved for a Modification of my mortgage ( quite some time ago... roughly XXXX ), with the understanding that I would successfully make THREE Demonstration Payments. At the same time the the Modification was approved the mortgage was sold, so I made the three demonstration payments to another mortgage processor. The mortgage was then again sold, and the 3rd mortgage processor ( in a 4 month span ), which was Rushmore Loan Management, refused to honor my Modification, because they said they didn't have evidence of my XXXX demonstration payments ... when they finally found the evidence of the 3 payments ( about 2 months after becoming the processor ), they still refused to honor the legal approval I had obtained from the first mortgage processor.
This case has since gone to the courts, and, as it turns out, my " attorney '' had no understanding of the law in this area, and essentially did nothing to convey the circumstances of my case to the court. The property was apparently foreclosed on in XXXX of XXXX ( without my " attorney '' even making me aware ), and sold at auction on XXXX XXXX, XXXX. However I am still residing in my home of 30 years, and wish to continue to fight for my rights ... specifically, that I had legally modified my mortgage, made the 3 required demonstration payments, and that Rushmore Loan Management Did Not Honor my modification, as required.
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| 04/01/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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|
My mortgage was sold to Rushmore Loan Management Services last year. I received a packet explaining how to set up online payments, but this process has never worked. I would get an error message saying that the information I entered did not match what they have in their records, but did not indicate what information might be incorrect. I contacted them after a couple of months of having to send checks for my payments, and the support person I spoke to said that they would speak to their support department and someone would contact me. After another couple of months with no response, I contacted their support number again and the agent had me read back the information I was entering in the online account setup page, and thought that my Social Security number might be incorrect in their system. Rather than fixing it on their end, I had to fill out and mail in a form with the SS number and other information that should already be in my account so that they could " correct '' my information. It's been another couple of months with no response and I've tried twice to set up the online account with the same error message each time. I am not comfortable with a company having this much trouble handling online accounts, and not making an effort to fix the problem handling my mortgage, and if this issue is not resolved soon I will find another financial company to handle my mortgage.
|
| 04/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I am a 100 % XXXX Veteran, I am not only protected by the CARES ACT, but also I am protected by the SCRA, Servicemembers civil relief act. I had a loan with Rushmore Loan Management Services. I was in a forbearance. I was in direct communication with the lender starting in XX/XX/2021, continued in contact sending in modification documentation to help come out of the forbearance I was in. I never stopped communication about my need to get more information from the lender to resolve the current situation. I never had any communication form the lender about potential foreclosure action etc. A letter from the CFPB and DOJ, ( attached ) was sent to the mortgage lenders, to protect the borrower, and has specific dates and instructions for the lender. This protects the borrower, and Cleary states the wrongful foreclosure that took place in 2021. I believe this is a red-lining act, and in this situation, my home was taken in XX/XX/2021, and SOLD on an auction without my knowledge. I am a 100 % XXXX XXXX American man, and I am 100 % sure this was discriminatory. I had no idea they did this, from what I understood by emails and communication ( attached ) actively with the lender, that I was modifying my loan. My home was sold, and my loss is severe. I want action taken and I will not stop until it happens.
Rushmore Loan Management Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
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| 02/27/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have a USDA loan, I have a financial hardship my son totaled my car, I worked XXXX XXXX. Lost my cleaning accounts due to no transportation. I live in a rural area with no public transportation. Single mom of XXXX kids who father passed the way. My son totaled my car it became very difficult to pay my bills.started getting behind on my mortgage. Called Rushmore my lender explained my Hardship. They said to complete a borrowers assistance package, I did many, many times they kept saying they were missing a paper the same paper I mailed and emailed more than 15 times. They kept playing the never received paper game with me, kept switching single point of contact and I had to provide all forms again for nothing. Rushmore never once tried to help. By law they need to provide me with 3 modification before putting in foreclosure because my mortgage is insured by the government. Did not receive no type of help or modification instead Rushmore filed a mortgage lawsuit against me. In XXXX county Florida. Were acting in bad Faith and completely negligent servicing my loan. They just want to keep adding late fees and put me out the house because it has went up on price. I don't know what to do. Rushmore know they were negligent and acting in bad faith. I lost money with 2 law offices that were supposed to help never did nothing like Rushmore kept playing with me and took my money.
|
| 02/07/2017 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
Older American |
|
In XX/XX/XXXX I applied to refinance my first mortgage XXXX ( XXXX ). The process went along smoothly until I needed papers to subordinate my second mortgage with Rushmore Loan Management Services ( XXXX ).
The request for subordination was sent to Rushmore in the first week of XX/XX/XXXX by XXXX, my refinance company. On XX/XX/XXXX, Rushmore promised the subordination documents in XXXX-5 days. So the title company ( XXXX ) scheduled the closing on XX/XX/XXXX at my XXXX County home. I did not pay my mortgage for the month of XXXX because I was advised the total loan would be paid off in the first week of XX/XX/XXXX.
The fact is, after promising the paperwork a number of times since, Rushmore did n't send the subordination documents until XX/XX/XXXX. That caused my rate lock to expire costing more money, AND added more money to my mortgage payoff at an interest rate of just over {$81.00} per day. Now I am saddled with having to roll an estimated additional {$3700.00} plus filing fees because my loan rate expired. When you cost that out over a 30 year loan, I will be paying ( a very conservative ) additional {$210000.00}!!!!!!! I spoke with a member of Rushmore 's Consumer Service Department, who agreed I should be reimbursed. But, I received a letter on XX/XX/XXXX stating Rushmore made no error, and my request to be reimbursed was declined.Is there ANY help you can offer?
|
| 05/05/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I need my mortgage modified. I have tried effortlessly to provide Rushmore Loan Services with the documents that were requested only to continue to be told that a complete package was not submitted. I would ask them what documents they needed and I faxed them accordingly. Whenever I would call to follow-up with my Account Manager, XXXX XXXX, it would take her XXXX days for her to return my phone calls. This has been my entire experience with her. On XXXX XXXX, 2015 I received a letter from a Foreclosure Attorney indicating that my home was scheduled to be sold on XXXX XXXX, 2015. I was so confused, because I was under the assumption that all of the documents that I faxed had been received only to find out once again that the same document that they requested previously was not received and this caused my loan modification case to be closed and they had moved forward with a sale date. I explain to XXXX XXXX that the last letter that I received from her indicated that I had XXXX days from the date of the letter to submit the document and that 's when she told me that I needed to have the information in XXXX days prior to the sale date. I feel that this decision was very harsh considering the time and the continued effort that I put in to make sure that I stayed in compliance and following all of the instructions that were given to me to be considered for a loan modification.
|
| 07/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Step 1 : What is this complaint about?
a. Willing to pay off mortgage arrears. Waiting 6+ weeks for arrears and payoff statements. Since I have an attorney, Loan servicer - Rushmore will not talk to me.
b. Previous reinstatement letters and payoff statements provided from Loan servicer - Rushmore, were incorrect and the " categories '' of payments, advances, legal fees, escrow etc.., were mistakenly " switched around ''.
c. Paid {$56000.00} paid during Bankruptcy but have NO assurance from Loan servicer - Rushmore, that this amount will be included in arrears payoff.
Loan servicer - Rushmore Loan Management Services LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Step 2 : What type of problem are you having?
Have repeatedly asked Rushmore attorney and my attorney to provide payoff amounts. Have repeatedly asked Rushmore attorney for a contact AT Rushmore that I can speak to about the arrears and payoff amounts.
RUSHNMORE ATTORNEY : XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Main : XXXX Step XXXX : What happened?
No response from Rushmore or Rushmore attorney.
Step 4 : What company is this complaint about?
Rushmore Loan Management Services LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Step 5 : Who are you submitting this complaint for?
Self. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX. Florida XXXX. XXXX XXXX XXXX cell.
|
| 07/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I received a letter from Rushmore dated XX/XX/XXXX stating that my PMI would be removed as of XX/XX/XXXX, due to the original amortization of the loan. I had to request by fax that they do this, even though it was per our loan that it would be removed. As of today, XX/XX/XXXX, my statement still doesn't reflect that. Yesterday, XX/XX/XXXX, I received an escrow account disclosure statement and change of payment notice that still shows mortgage insurance and an incorrect amount for property taxes, and our payment increasing, for the second time this year. I received the property tax notice in XXXX for {$1600.00}. The taxes were discounted by the county because I turned XXXX last year. The amount for the prior year, XXXX, was {$2400.00}, which is what they are showing due for this year. They also added 2 months of additional escrow, initially, when our loan with XXXX XXXX XXXX was sold to them for servicing, last year, I believe in XXXX. I have spoken with their call center, and via email numerous times, and can never get an answer as to why this is going on. They continue to say that it has to be investigated. We already have a letter saying that the PMI would e removed as of XX/XX/XXXX, so that should not be an issue any longer. Please help me. They won't let me speak with anyone, ( supervisor ) when I contact the call center, which, I believe is in the XXXX. Thank you.
|
| 06/11/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/XXXX I sent a letter to my mortgage company Rushmore Loan Management Services ( RLMS ) requesting release of my Private Mortgage Insurance ( PMI ). The letter is attached. I stated that my current loan value was {$78000.00}, and my property value was {$100000.00} according to the appraisal that the loan was based on. RLMS responded XX/XX/XXXX stating that my request was denied because the loan-to-value ratio had not reached 80 % based on the original value of the property. The response is attached. I then submitted a dispute via online secure message on XX/XX/XXXX explaining that I disagree with their loan-to-value ratio calculation. The correspondence is attached. I stated that the appraised value of the home was {$100000.00} ; the negotiated purchase price was {$90000.00}, and the original loan amount was {$85000.00}. Based on this information, my loan-to-value ratio was less than 80 %, thus I am eligible for release of PMI per Federal law and the Homeowner 's Protection Act of 1988. RLMS responded on XX/XX/XXXX saying that my current loan to original value is 78.2 %, but that they were still not releasing my PMI, but they wanted me to pay $ XXXX {$1000.00} to have an appraisal first. The response is attached. I am asking the CFPB to review this case and request that RLMS release my PMI as required by Federal law and the Homeowner 's Protection Act of 1988.
|
| 02/28/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I modified my loan and any thing I owed was put on the back of my loan my sevicer states I owe XXXX in fees. I have never missed one payment since I modified my loan XXXX/XXXX/XXXX I 've showed proof on my original modification agreement with XXXX ( XXXX ) then it states my loan is up in XXXX/XXXX/XXXX which my modification clearly shows my loan is up XXXX/XXXX/XXXX. My loan servicer literally gave me a new ending date for my loan over 40 years more. When I clearly took out a 30year fixed rate. An after I modified my loan and was approved my ending date is now XXXX/XXXX/XXXX. Plus I 'm im owed for the forced insurance that was put on my house when I already had insurance it took three weeks to get this straight and I was told/writting that it is being credited to my account yet I 'm being told I owe late fees which if I ever pay my loan pass the XXXX of the month I always add first it was XXXX $ then I was told it was XXXX $ In late fee charge ( I always put the fee in as I am obligated to ). I believe this servicer ( s ) are doing illegal practices to rob unsuspecting consumers. I 've ask in writting at least 2 time to show me in writting how I owe these funds because my bank records clearly show I have never missed a payment since I modified my loan and ever thing I did owe was put on the back end of my loan. So I 've come to the conclusion that this is not my loan!
|
| 10/29/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I am in foreclosure on my mortgage. I applied to Rushmore for a modification of my loan on or about XX/XX/2019. On or about XX/XX/2019, the law firm representing the plaintiff provided my attorney with a trial modification offer. The offer requires a {$8400.00} down payment and a 6-month trial period with monthly installment payments of exactly {$2100.00} per month. On my instruction, my attorney reached out to plaintiff 's law firm to ask what the terms of the contemplated modification would be if I successfully complete the modification, and also asked if the down payment could be eliminated or reduced. The plaintiff 's law firm responded that the down payment " can not be eliminated or reduced '' and also that " the projected terms will not be available until completion of the trial modification. '' I find it inconceivable that Rushmore does not know the terms of the modification it would offer me if I complete the trial successfully. It knows what I owe now and what I will owe at the end of the six-month period if I meet all of the trial plan requirements by making the {$8400.00} down payment and the six {$2100.00} installment payments. I ask that Rushmore provide me with that information that they must know about the projected monthly PITI payments, modified principal balance, maturity date, and interest rate would be if the trial mod is successfully completed.
|
| 03/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
FOR THE RECORD THISBIS NOT A COMPLAINT THIS A CLAIM BY A LIVING MAN NON ARTIFICIAL PERSON XX/XX/19 We have orginal in good faith sent a affdavit of truth in reference to this fraudulent loan number # [ XXXX ] attach to our private property which has been rebutted under penalty and perjury without any response point for point. We have been very patient with these perpetrators and still no remedy. This will be the Cfpb Actual notice of crimes currently ongoing. These individuals unlawfully actions are directly responsible for the distress financially emotionally and mentally over the past 24 months and counting. While during a pandemic these individuals sent people to our private property against our consent on two occasions .Attach is prima facie evidence and the CFPB must uphold the law or be expose to charges as well .We the people are free and owe no obglations to this artificial enity. As public servants who are only here to sereve us your MASTER We demand for this cliam to be addressed Immediately. First and foremost this fraudulent debt that doesn't exist must be erase in compliance with the bill of rights but more specifically title 15 is self explanatory and must be compeststaed as well for damages. Thank you in advance for your service which you have a duty to provide.
AGENT TO PRINCIPAL IS PRINCIPAL TO AGENT IGNORANCE OF THE LAW IS NO EXCUSE NOR DEFENSE
|
| 02/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XXXX of 2012 we filed for Chapter XXXX Bankruptcy case, after 4 years of this intensive process, our BK was successfully discharged. As a result, the Bankruptcy judge approved a Stipulation with new terms and conditions including a reduction on the balance on the mortgages we had with creditors at the time ( XXXX ).
We've been contacting this particular Servicing company over the phone and requesting to adjust and correct the total balance from this loan as it still reflects the original Pre-Bankruptcy balance in our account.
We are now trying to refinance that specific loan, however Rushmore Loan Management Services the holder of the note explicitly declined to comply with the order from the judge in Bankruptcy court.
We provided a formal request and the proper documentation to fix this error in their books with negative results from Rushmore.
We are including all the documentation we presented to Rushmore, including : -Our formal request -Copy of the Stipulation approved by the BK judge -Final Decree showing our BK case was successfully discharged -Included you will also find Rushmore 's negative response to our request.
Needless to say, this is preventing us from refinancing this loan and creating an enormous amount of stress in our family.
We thank you in advance your help and support to our request for assistance.
Respectfully XXXX & XXXX XXXX
|
| 07/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XXXX XXXX my insurance company XXXX XXXX submitted my declaration page showing my homeowners hazard insurance was paid for the year by myself. I requested a reanalysis on my escrow to deduct the monthly escrow for my homeowners insurance. On XXXX XXXX Rushmore loan management performed said reanalysis still including the homeowners insurance in the escrow analysis.
I contacted Rushmore again and was then told I had to request a cancellation of the escrow for the home insurance which I did. I am now being told by Rushmore they can not cancel the escrow for the insurance part due to their policy requiring the loan to be seasoned for 24 months.
This became obvious to me that Rushmore is not acting in good faith with their consumers. Rushmore is demanding I pay for 12 months of insurance that has already been paid. I have initiated several phone calls with Rushmore supervisor XXXX to no avail. I am not receiving call backs nor updates via email or the message board on my account.
I am asking once again that Rushmore deduct the insurance part of my escrow to reflect the correct escrow of only showing escrow for taxes for 12 months currently my escrow is well in the positive not negative so legally there is no reason for Rushmore to be trying to bully consumers to pay for two homeowners policy in one year.
No good faith effort is being made on my account.
|
| 05/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
I received notice from XXXX XXXX XXXX that my home loan was sold to Rushmore Loan management.The problem with this situation is my name is not the power of attorney on my mother 's death certificate.This is still my deceased mother 's estate and my name is not on her death certificate as power of attorney.This is the second mortgage company that has tried to profit off my Mother 's Death.All the Rushmore had to do is check the information that they got from XXXX before they brought this illegal loan. I still owe XXXX XXXX XXXX XXXX over {$35000.00} Dollars for home improvements that XXXX lender placed insurance did not cover. XXXX was sued for their unfair practice of lender placed insurance price's.I was part of the {>= $1,000,000} classaction lawsuit and won. Now here 's Rushmore trying to foreclose on a home that I still owe XXXX XXXX XXXX XXXX for. Rushmore should have looked at the paperwork connected to this loan before trying to take my home. In about two week my XXXX brother who lives in the home with me is getting the bathroom and kitchen modified by the state to accommodate his XXXX.Rushmore has to look at my mother 's death certificate that they should have got form XXXX to understand how all this is fraudulent.Selling Death has to be one of the sickest things I have ever seen especially when it's my mother who was the Primary borrowerof the Loan.
|
| 09/06/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
About i went thru a brooker to get a V.A.loan and was placed with XXXX XXXX to start my payment was XXXX at 4.8 percent intrest rate, in about a year my payment up to XXXX the intereast stayed the same.now the whole time i was never late with my house payment. I called XXXX asking the about refinanceing to get my payments lower because i ; m a XXXX XXXX on XXXX percent disable with XXXX XXXX XXXX XXXX on a budget and would like to get my payment down they were not interested. I got hold of vennsa from American and they were happy to refinancs=e me to get mymeric payments lower. after getting the paper work done with A merican XXXX said the only thing left was to get the buyout from Rushmore/ Well thats when the problems started, i contacted Rushmore on the XXXX XXXX after waiting two weeks and hearing nothing from rushmore. XXXX and her boss XXXX ask me if i mind them getting hold of Rushmore. aftrer two weeks Rushmore came out saying i owed back payments fromR XXXX which i had to go to my bank to show that was a lie. after that they came up why they would not give American the buyout ; Finally after going back and forth on XXXX XXXX they recived the buyout from Rushmorealmost 3 months. Iin the mean time Rushmore went tto XXXX the credit reporting company saying i was 3 months behind on my mortage and my credit score went from almost XXXX XXXX to XXXX
|
| 07/18/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My mortgage started with XXXX XXXX and was sold. They had just completed a loan modification to place my taxes and hazard insurance into to escrow and to remove my ex-wife from the mortgage. The company that took the mortgage over was XXXX XXXX XXXX. They increased my payment dramatically and would not acknowledge the modification I had with XXXX. Within 90 days, they sold the mortgage to Rushmore Loan Management services who also would not acknowledge the loan agreement I had with XXXX.
I have spent almost two years trying to get Rushmore to honor the loan agreement I had with XXXX when the loan was purchased. They have not only refused to honor even though I have provided them with the modification paperwork, but have not cashed any checks I have sent to them, refused to tell me who owns the note, and have destroyed my credit so that I can not get another loan or mortgage. My credit was pristine until this all began. Rushmore continues to pile up interest and fees but will not acknowledge their error or give me one person to deal with. I have corresponded via emails, writing and numerous phone calls and have been either ignored, or blatantly lied to. One representative told me that he did n't know why I have n't sued them because this is standard procedure for them to exasperate the client until either they pay or get foreclosed.
Please help!
|
| 04/12/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/XXXX, I purchased my XXXX home with a loan from XXXX mortgage company. XXXX listed I was behind 1 month 's payment. I filed a dispute with the XXXX because I never missed a loan payment. I requested a payment history, but did not receive it. I also requested my late payment and fees be removed from my account.
* On XX/XX/XXXX, XXXX sold my loan, before resolving the missing payment issue. The loan was sold to XXXX XXXX XXXX XXXX. I requested a loan payment history in order to rectify the missing payment. XXXX XXXX accessed an additional month of no payment. ( XX/XX/XXXX ) I sent canceled check to have the additional month of non- payment removed. It was not. My loan was sold, again.
XX/XX/XXXX, Rushmore Loan company acquired my loan. I immediately send copies of my disputed XX/XX/XXXX payment, proof of insurance and requested a loan payment history. In the beginning of XX/XX/XXXX, I received a foreclosure letter from Rushmore. I received notice of lender placed hazard insurance. ( I submitted proof of home insurance ) I also received a letter indicating my yearly adjustable mortgage would increase {$300.00} in 60 days.
In the 16 years of owning this home, the yearly adjustable rate mortgage has adjusted once annually, XX/XX/XXXX. ( not 2x annually ) It appears Rushmore is not honoring the terms of my original mortgage contract.
|
| 11/07/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
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On XX/XX/2019, Both XXXX XXXX & XXXX XXXX launched the same program for home retention called " The XXXX XXXX Loan Modification, see attached herein. I have included a copy of the XXXX Reference guide for your review. The program was intended for all conventional loans and therefore servicer 's must adhere by the program reference guide. The financial information and sample provided below proves that we qualify for the XXXX loan Modification : XXXX {$580000.00} ( appraisal Value ) = {$580000.00} {$700000.00} ( Post modification gross UPB ) - XXXX XXXX ( forbearance amount ) New Loan Amount XXXX extended to 40 years 3.64 % PMM rate on XXXX XX/XX/2019 Principal & Interest = XXXX + escrow XXXX PITI {$3300.00} PITI {$3300.00} divided by Monthly Income {$10000.00} = Debt to income Ratio is 0.32 % Less than 40 as it is required by the program.
Rushmore claims that can not offer a loan modification because we have applied in the past and have been denied. it is irrelevant that we have applied in the past, Rushmore should have approve the loan mod the first time. We qualified then and obviously qualify now. Rushmore are ignoring all loss mitigation options in XXXX Florida and should be investigated for engaging in Florida deceptive business practices. We demand that the lender complies with the XXXX program or get rid of this loan to a third party.
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| 01/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I was behind on my mortgage payments, so I called Rushmore Loan Management Services to make arrangements ; we decided on a repayment plan for 6 months to catch up. the original amount was {$1500.00} right away ( XX/XX/XXXX and then {$2000.00} starting in XX/XX/XXXX. I mailed via fedex the {$1500.00} on time. I get paid bi-weekly, so the next payment of {$2000.00} was mailed via fedex XXXX, I believe, It was applied to my mortgage XX/XX/XXXX or around then. I included a letter along with my payment asking to split the payment in XXXX as I got paid by-weekly and have yet to receive any response from Rushmore.
I mailed a payment of {$2000.00} XX/XX/XXXX for {$2000.00} via fedex, I received a confirmation from fedex that the envelope was received and signed by Rushmore XX/XX/XXXX. As of the date of the complaint XX/XX/XXXX, my payment has not been applied to the loan! I have called a number of times and all I was given was excuses. I even received an covert threat by a person named XXXX -customer service, about the status of my loan and how " far behind '' I was!
I receive emails that I can check their website for statements and make payments online. I do not have access to Rushmore website ; Rushmore has blocked access because of this repayment plan in-effect! so I am XXXX here! I have not received paper statements either since XX/XX/XXXX.
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| 02/25/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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The current mortgage company has been giving us trouble since they took over the loan last year. The previous mortgage company did a loan modification with us, the new deal was they gave us a balloon payment of {$15000.00}, to be paid at the end of the loan, so we signed the agreement. The current mortgage company demanded that we pay the balloon payment the XXXX month they had the loan, it took us almost 1 year to straighten this out, every time we called there was someone new assigned to our loan. I believe they charged us interest on the balloon payment during the dispute period. Every time we ask for paperwork they say we have to submit the request in writing and when we call back after a month they say they already mailed it and we must resubmit the request again.
We made a payment on the principle last year but they still show the same payoff date on our statements, and the interest payments are n't going down in size by very much.
We made another payment this year on the principle and we asked them the same questions and they say we must request information in writing, so again we requested the payment schedule from them and we called them back after a month and they said they had already mailed it XXXX XXXX and today is the XXXX and they said on the XXXX they would mail it again and we still have n't received anything from them.
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| 05/12/2020 |
Yes |
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- Trouble during payment process
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Web |
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My FHA Mortgage was sold from XXXX XXXX XXXX to Rushmore Loan Management. We received a packet of information on XXXX from Rushmore Loan Management stating they will now be servicing our mortgage and it also included a list of what they plan to do with our personal information.
We never signed any agreements with Rushmore Loan Management and have been told this is not something we are able to stop them from doing. The items in question are : What personal information they collect and share ( Social Security Numbers and income, account balances and payment history, Credit history and scores ) It also states that they continue to share our information when we are even no longer a customer.
Also it states they will give our personal information for joint marketing with other financial companies and they say we can not limit this sharing.
We expressed verbally over the phone to their customer service that we are not ok with this and never signed any agreements allowing them to do so. I ask that the CFPB steps in and stops this action as it is fraudulent and not approved by myself or my spouse. As this is a FHA federal loan we are also filing a complaint with HUD.
We ask for a written statement from Rushmore Loan Management stating our information is not to be sold or shared with any of their joint marketing or any " partners ''
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| 12/04/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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My loan was in foreclosure. I sold the house for more than I owed on the mortgage so my attorney obtained a payoff statement that was good through XX/XX/XXXX. We closed on the XX/XX/XXXX. My attorned wired the full payoff amount of {$400000.00} on XX/XX/XXXX. On XX/XX/XXXX the buyer paid the school taxes. Rushmore also paid the school taxes on XX/XX/XXXX. At that point we were told by XXXX XXXX of Rushmore that I would be charged interest on the original amount of the loan until the money was returned to them from the Tax Collector. This process took a few weeks and we were notified in XX/XX/XXXX that we owed an additional {$2300.00} in interest. My attorney sent this money on XX/XX/XXXX via XXXX and it was verified that they received it on XX/XX/XXXX. Rushmore still has not recorded a discharge with the County Clerk 's office. I spoke with them today and they said that it should be done soon. It is my understanding that legally they are to record this within 30 days. My attorney is holding money in escrow until this happens and until that time I can not get my money from a closing that happened XX/XX/XXXX. In addition, I am out the {$2300.00} in interest they charged because the payoff amount was short the {$5500.00} that was definitely known to them before the payoff statement was given and not included in their payoff statement.
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| 10/19/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My loan was sold from XXXX XXXX, to the company XXXX XXXX, then sold it to XXXX XXXX XXXX XXXX. It then was assigned to a servicer, Rushmore, and this company refuses to send me a mortgage statement although they are accepting my payment, I've reached out to them, but instructed to call the customer service line, and I've tried this in past dealing with this company.
I truly believe this company, Rushmore is working in concert with the second lien holder on my property. The debit on the second was canceled through Bankruptcy chapter XXXX, but did receive a letter from the second dated XXXX, XXXX intending to foreclose on property as lien holder. Ever since receiving this notice is when the company, Rushmore stopped send the monthly statement.
Because of this act by the second lien holder, I've been forced to entertain Bankruptcy chapter XXXX to save my home. I'm XXXX, and would never make it on the street. The bankruptcy attorney requested from me a mortgage a payoff, and with that statement I were informed the check payable is to be made out to XXXX XXXX, and I find this odd since it was sold by XXXX XXXX XXXX, XXXX.
One would guess that since my loan was sold, the second lien holder became first in line, and this is why I got the demand letter, what say you? These companies need to be investigated, and not by me. Please act
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| 03/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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In XXXX, I learned that my Mortgage note with XXXX XXXXXXXX XXXX had been sold to Rushmore Loan Management. I was coming out of forbearance and literally the day I called XXXX to make my first double payment to start getting caught up I found out I couldn't because the loan now belonged to XXXX. So after making a few double payments, ( I was 3 months to pay on forbearance ) I has been specifically told by XXXX my loan was set aside to not be reported. I was told this two times in 2 calls (! ). So, come to XXXX, my payment pattern was XX/XX/XXXX, 2 payments XXXX, XX/XX/XXXX, 2 payments XXXX, XX/XX/XXXX, 1 payment XXXX, XX/XX/XXXX, 2 payments XXXX ( account now current ) And then I found out that even though I had paid up to current, always staying in contact with them as I went, I found out that they had reported the account 30 days late, destroying my already struggling credit score ( although my payment history is almost perfect across many accounts, I'm carrying too much CC debt ). So I called Rushmore to find out what happened, they apologized confirming that credit reporting for my account had been suspended and they'd fix it. This company specifically told me 2 times credit reporting was suspended for my account, and then confirmed it, but still has not addressed it and rejected the dispute through the reporting agencies.
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| 02/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I called Rushmore Loan Management on XX/XX/22 because I did not receive my monthly statement and wanted to know what I owed, they said I did not receive a statement because my account was referred to collections. I spoke to a representative who gave a name as XXXX, ID XXXX, who stated I had to pay in full the remainder of my mortgage balance. She further stated they would not accept the monthly payment of {$170.00} reflected on my last statement but would refuse any payment unless it was a payment in full.
After a loan modification years ago I have a deferred balance of {$2000.00} and a separate balance I have been paying interest on at the rate of 4 % after the modification. I have paid all but a penny of the interest portion of my balance so they are now saying I must pay in full the deferred balance immediately.
I stated I have many years before my mortgage is due and I do not have to pay off the mortgage early and do not have the ability to pay the balance owed but I will continue to make my monthly payments. They stated I can only pay off the remaining balance in full and they will not accept anything but full payment. They stated again I had to pay in full and they would reject any monthly payment I may send in.
I dont see how they can demand payment in full when I still have years left on my mortgage term.
|
| 10/24/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
Older American |
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In XX/XX/XXXX Rushmore Loan Management of XXXX, Ca. purchased my FHA/HUD loan from XXXX XXXX XXXX. I was in active Bankruptcy Chapter XXXX at time of their purchase. I received notice from them they had bought the note. I began at that point paying mortgage payments to Rushmore beginning in XX/XX/XXXX as they requested. Little did I homeowner know, Rushmore lending intent was to show all payments made tothem under a " Property Preservation '' account which puts homeowner payments towards their regular mortgage in limbo, and creates an account summary favorable to foreclosurefor their purposes of acquisition and sale without current homeowner being made aware of this " Predatory Lending tactic ''. My home has no court order allowing XXXX XXXX XXXX any Foreclosure status in their sale of note to Rushmore Loan Management. Now all payments made to them by me are in a default status of mortgage loan payments I have been making since XX/XX/XXXX. This deceptive Predatory lending tactic should be exposed within the Mortgage lending community as a whole, and considered illegal business practice. Rushmore has no right to change my FHA/HUD home mortgage purchase toa Property Preservation account without court ordered foreclosure, property was never foreclosed on by Texas courts allowing such actions by Rushmore Loan Management.
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| 07/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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In XXXX, I received correspondence from my mortgage servicer, that I was almost in foreclosure for non-payment. I called and asked when I didn't make a payment, and they told me it was in XXXX of XXXX. I called my bank and requested canceled checks proofing that I had made the payment and that it was cashed by the loan servicer. I had all of XXXX and every check was cashed. I called again and asked since you are accusing me of not making a payment, tell me which month and I can prove that I made the payment and there is a mistake on your end. Again I called and could not get a definite answer, it was XXXX, it was XXXX. They could not give me an answer. The person I spoke to, XXXX, told me he would talk to his supervisor, and the supervisor would call me on XX/XX/XXXX, at XXXX am EST and tell me when I did not make a payment. The phone call never came. I called again and got another representative, and once again the same thing, this one said my loan started with a rearrange. I have mortgage statements from the beginning and the unpaid amount did not start until XXXX. I am being damaged by this negative credit impact, my credit score has already dropped XXXX points and a loan that I applied for, I was denied because of this issue. What type of financial institution doesn't know when a customer did not make a payment?
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| 08/30/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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Since the beginning of XX/XX/XXXXever since the previous lender sold the paperwork to a new investing company XXXX XXXX XXXX has treat us as the previous mortgage company, begining as the previous company ending with with their predatory lending practices.
No mortgage statements have been sent from the servicer since XX/XX/XXXX, inquiring with them is impossible, w/ remarks from a Rep. XXXX XXXX recently, on ( XX/XX/XXXX ) @ XXXX, for me to prove it.
When l told him l was recording our conversation, he responds, " l 'm going to have to end this conversation '' ... Click! However there 's double standards everytime l call them their message recorder tells me, our conversation will be recorded They 're being totally unreasonable to any of my requests.
I 've asked to remove a lien from the previous lender that still shows on my Title Deed, in the amount of {$100000.00}, since they 're the Servicer of my present loan and the previous lender no longer has anything to with my loan as their voice recorder says. " Contact my loan Servicer. '' I am also asking for closing documents on the original loan from the orginal lender. Anything like a documents on the transactions that have transpired and where l stand or better than that where do they have anything or than to raise the amount of my original lender in XX/XX/XXXX.
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| 06/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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Rushmore Loan Managements Loss Draft reimbursement process has intentionally delayed reimbursements payments for many weeks to months multiple times. The most recent incident is as follows.
XX/XX/XXXX three paid in full invoices were submitted for reimbursement and I requested a final inspection.
XX/XX/XXXX a final inspection report of our home confirmed repairs were 100 % complete.
XX/XX/XXXX I contacted the company to express concern to the failure to reimburse.
XX/XX/XXXX I followed up as no reply to the above was received.
XX/XX/XXXX a claim administrator contacted me to say that although the invoices were in their possession for 8 weeks, verbal confirmation of payment in full was needed. One vendor was reached. I contacted the second vendor and asked them to confirm payment in full. That vendor had no voice message to demonstrate an attempt by Rushmore to confirm payment. The vendor confirmed with me that they called and left a message confirming payment in full.
XX/XX/XXXX I contacted the company again to request reimbursement.
XX/XX/XXXX a third vendor confirmed payment in full.
XX/XX/XXXX a partial reimbursement was received.
XX/XX/XXXX I receive a call saying the final reimbursement will be processed and the process may take two weeks, plus based on previous reimbursements, three weeks to mail.
|
| 02/15/2017 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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Our office represented XXXX and XXXX in the short sale of their home located at XXXX, XXXX, NJ XXXX. An approval for a short sale was received from Rushmore accepting a certain amount to payoff the mortgage granted by Mr. and Mrs. XXXX against the premises. The closing of the short sale took place on XX/XX/XXXX and a wire for the agreed amount was sent to Rushmore the next day as the closing took longer than expected and buyer was not able to send out the wire on the XX/XX/XXXX ( with the approval of Rushmore 's negotiator ). Rushmore accepted the wire the next day and their file was closed. Although our office and the title company has requested a copy of the Satisfaction of Mortgage/Release of Mortgage, Rushmore has not submitted one for recording in the County Clerk 's office and have refused to provide information on the release claiming that it needs to be requested in writing signed by the homeowner as our office is no longer authorized to speak on behalf of the homeowner. Rushmore has had 8 months to file a satisfaction/release and Mr. and Mrs. XXXX have not been the owners of the property since then therefore they do not feel comfortable authorizing anyone to obtain information on a mortgage that has been paid off as they were forced to give up their residence as they did not qualify for a modification.
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| 01/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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The complaint is in regards to removing PMI from my home mortgage. I am currently just short of the 5year mark for having my home and have been trying to remove the PMI for almost 1 year. I have sent several written letters via mail to Rushmore Loan Management Services with copies of county tax assessments as I was instructed to do so with no luck. Two weeks ago I called and spoke with a woman who was intentionally vague about giving me any information as to how much I needed to pay towards the principal in order to have the PMI removed and lower my monthly payments. She finally said {$37000.00} " should '' work. I paid {$38000.00} to be safe. I then read everything I could on the matter and decided to pay an additional {$5000.00} to be sure bring my loan to debt value to % 73. Today ( 10 days later ) I spent about 45 minutes on the phone and was placed on hold 3 times while trying to get the PMI removed. I was repeatedly told that I needed to yet again write a letter mail it in wait for a response then mail in an authorization form so Rushmore could have an appraisal done to my home at my expense and they may or may not remove the PMI after that. The way the law is written I understand it to state that since my loan to debt value is % 73 the PMI should be removed with no appraisal necessary automatically.
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| 10/14/2021 |
Yes |
|
- Trouble during payment process
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Web |
Servicemember |
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On XX/XX/ the sale of my property was handled by a title company. After closing I received a call from the title company telling me that i owed {$2000.00} to my previous mortgage company. I was not notified by the mortgage company as to the nature of the problem nor did the title company contact me as to a resolution to the issue. the previous mortgage company continued to harass me about paying the mortgage in full. Some time later in XXXX when applying for a new mortgage it was found out in a conference call between myself a potential new lender and my previous mortgage company that the title company failed to pay the correct amount the previous mortgage claims they quoted for pay off. the title company claims the amount paid is what my previous mortgage company quoted for pay off of the mortgage. the situation now is i am caught between the two entities and being told i need to pay my previous mortgage company {$1100.00} to have the previous mortgage paid in full. This situation was not created by myself. It appears a funding issue of some sort occurred between the title company and my previous mortgage company. i was lead to believe by the title company at closing that all was in order. This matter needs to be investigated and resolved with out me having to spend money on attorney fees. can you help?
|
| 10/22/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
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Web |
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My loan was sold to Rushmore Servicing on or around XX/XX/18 from XXXX. Since the transfer I have had nothing but problems. I even attempted to contact the president of the company to seek resolution. I have put my complaint in writing to Rushmore per their requirements.
My complaint is for inappropriately posting of a principal deduction payment made on XX/XX/18 from my bank account with XXXX XXXX. I followed the exact instruction provided by Rushmore in their servicing transfer letter, however the payment was rejected by them. I again attempted to resend the substantial principal reduction to them from XXXX XXXX on XX/XX/18 following new address information from Rushmore, again this payment was rejected. I provided written evidence and confirmation from XXXX XXXX showing the date, time, correct loan number and reason for rejection by Rushmore. Although I've received a few communications from Rushmore on this issue, it remains outstanding. The evidence is clear, they need to post the principal reduction effective XX/XX/18 and adjust the interest charges appropriately. As an addition issue, Rushmore does not provide a secure method for a customer to provide MNPI information and encourages the consumer to fax information across unsecured phone lines. They have little regard for consumer data protection.
|
| 10/21/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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3rd try - This is not going away! You last response saying the 2nd was a duplicate is further proof of your lack of concern into fixing this problem.
You ONLY allow the minimum payment. This is NOT acceptable If this is not resolved after this 3rd complaint I am taking this to the next level of exposing your company lacking the ability to service a negative amortization loan.
Only being able to do the minimum payment force the negative amortization amount into arrears..
A complaint has also been submitted to XXXX XXXX so they are aware of RushmoreLM being behind technologically.
Rushmore LM does not know how to properly service negative amortization loans. I am only allowed to pay the minimum payment on line - not even the statement shows the negative amortization payment amount. I have to call and spend 30 to 45 minutes with them every month to make my payment because they are not equipped to handle the payment online or by mail. Companies like this should not be allowed to handle loans they are not suited for. I understand the loans can be moved however it should be mandated that the new company knows how to service the type of loan the consumer has. Rushmore LM does not allow me to execute the options of my negative amortization loan. They only allow the minimum payment. This is NOT acceptable
|
| 09/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
Older American |
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My wife died in XXXX after XXXX yrs of XXXX XXXX. The mortgage i found was not in both our names. I had to do probate but continued to pay mortgage until I had to cancel her account due to social security. Rushmore Loan management would not let me create a new account or talk to me on the matter even though I had given them the probate papers giving me financial authority over her estate. They rejected my acknowledgement and refused to talk with me. They created an escrow where there was none, took over insurance payments, and Paid property taxes without so much as a discussion. This continued from XX/XX/XXXX until XX/XX/XXXX. When probate was completed and filed XX/XX/XXXX they did not acknowledge me until XX/XX/XXXX by letter. When I called I was told from XX/XX/XXXX until XX/XX/XXXX It was not in the system and they could not talk to me and hang up. Finally they talked to me. I was told I had to fill out application to continue paying the mortgage. It came back as a modification which i paid double what the original mortgage was for XXXX months. Then they would let me know what the mortgage would be. They came back with what was XXXX principal to XXXX and a XXXX a month mortgage. Then XXXX mortgage in the end of XXXX which I paid XX/XX/XXXX for XXXX they said for XXXX. So they put me a month behind.
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| 01/20/2022 |
Yes |
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Web |
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In XXXX I applied to re-finance my home mortgage with XXXX XXXX XXXX Company. I told the representative, XXXX XXXX XXXX, that I did not want to finance for another 30 years loan, as I had already paid for 9 years on my home. I recently found out that my home is not being paid off until the year XXXX. I contacted my loan management service, Rushmore Loan Management Services, and they sent me a document that says the " note '' is due to be paid off on XX/XX/XXXX, that has my signature on a different page. I do not have this form in the copies of the re-finance included in my records, signed or unsigned. In fact, none of the copies of the documents sent to me, for my records, has my signature on them. I do not have one copy of the re-finance loan that contains my signature. I tried to tell the loan management company many times that the contract needed to be voided because of the mistakes made when I re-financed, but they have chosen to ignore all my efforts. I was also promised {$430.00} refund from my escrow, but I never received that money. I was later told that it went towards my new escrow account, as it was short. Now Rushmore Loan Management Services is selling my account over to XXXX XXXX XXXX XXXX XXXX beginning XX/XX/XXXX. I can't afford to pay on this loan another 23 years, I'm XXXX XXXX XXXX.
|
| 06/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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I got very sick with a XXXX XXXX and could no longer and then XXXX happened. Our funds were becoming very tight and our mortgage company offered a Forbearance, and said at the end of the Forbearance the amounts missed would go back into the loan and we would start our payments back up. Every time it was time for the Forbearance to end and payments to start up and I would ask about it, they continued to send me a loan modification packet and would continue my Forbearance. For the past year they have said that my Forbearance limit has been maxed, and thats completely fine but I have begged for my loan to be set back up on the payments as stated in the beginning but they have still continued sending a modification packet that says I dont qualify for a modification. Im not trying to get a modification Ive asked for a year for my payments to be set back up and an exit from the Forbearance as stated would happen. Now they are either Foreclosing XX/XX/XXXX, I have to pay a lump sum of {$18000.00}, or file bankruptcy to keep my home. Weve lived in our home for 20 years I cant lose my home.
Our states attorney general is helping and she did get it reversed about 45 days ago and closed everything out and they started again. I just need our loan exited from the Forbearance so payments can resume back on track.
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| 10/16/2018 |
Yes |
|
- Trouble during payment process
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Web |
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On XX/XX/XXXX I forwarded a {$1600.00} loan payment to Rushmore Loan Management Company. These monies were for one complete payment and a partial payment. On XX/XX/2018, Rushmore Loan Management electronically cashed this check. In XXXX I was getting phone calls stating my loan was in default. I questioned this as I had sent in the {$1600.00} payment. I have gone back and forth on this matter with Rushmore from XX/XX/XXXX to the current date of XX/XX/2018, with no resolution. Rushmore told me they would have to investigate this matter as they stated they did not receive payment. I called my financial institution to get a trace number so that Rushmore Loan Management could find this payment in their system. To date, I am being told this is under investigation. Two weeks ago, a XXXX XXXX 's bank representative and myself made a conference call to Rushmore loan management in another attempt to find out where this payment has gone. This phone call did nothing but leave me in the investigation phase. In the meantime, Rushmore is refusing to take any further payments towards my loan ; stating that one payment does not make up for what is currently owed.
My house is currently under contract with a closing date of XX/XX/2018. Despite my constant attempts to resolve this matter, I have been unsuccessful.
|
| 12/10/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
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Web |
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To whom it may concern, I am very concerned about whats going on with my property, RUSHMORE LOAN MANAGEMENT SERVICES approved a short sale on my property almost 4 weeks ago. RUSHMORE LOAN MANAGEMENT SERVICES agreed to sell the property at the current market value, Buyer paid for their own appraisal and now RUSHMORE LOAN MANAGEMENT SERVICES refuses to issue the short sale approval based on the licensed appraisal report.
RUSHMORE LOAN MANAGEMENT SERVICES told me that even though the value of the house is {$590000.00}.
RUSHMORE LOAN MANAGEMENT SERVICES and their investor want {$620000.00} as penalty to my family and I for my background and for applying for a short sale.
This response came to my family and I as surprise since we never knew RUSHMORE LOAN MANAGEMENT SERVICES can penalize me because of my background and the history of my property.
Now were in big trouble because Buyer spent money on the property and I don't have any money to pay the penalties that RUSHMORE LOAN MANAGEMENT SERVICES claims to have.
Please help me since I really don't want to have any issues with the buyer. all im doing is the right thing to short sale my home to avoid foreclosure and its not fair that RUSHMORE LOAN MANAGEMENT SERVICES is trying to take advantage of the situation at the last minute.
XXXX XXXX
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| 05/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
Servicemember |
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I am a XXXX XXXX veteran with honors and I have a great fiduciary relationship with the bank for many years until Covid-19 National Disaster impacted my life financially unemployed and they are putting me and my family in harms way. The owner of my loan XXXX XXXX XXXX XXXX XXXX XXXX wants to foreclose despite violating Federal Debt Collections Practices act by refusing to accept {$13000.00} payment via phone on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX.
Rushmore Loan Management Services LLC denied my loan Modification trial and misrepresented the truth that my income is {$3300.00} with low surplus still, I mailed them 45 pages of data proof and I am appealing for 5 reasons : 1. Page four of my annual profit & loss states {$4500.00} in rental income I left my primary and rented it for revenue plus I now have over {$30000.00} in my bank account ; 2. I own a XXXX condo free and clear valued at {$150000.00} and renting another one this month for additional rental income ; 3 .I have no excess obligations, no credit cards, no vehicle ; 4. I have never been approved in the past for a modification with this servicing bank ; 5. I am still Chapter XXXX Bankruptcy confirmation case # XXXX Judge XXXX XXXX and i applied for a {$55000.00} grant with the FLORIDA HOME OWNER ASSISTANCE FUND phone XXXX.
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| 02/17/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX XXXX with subsidiary loan companies ALL LISTED or hired XXXX XXXX XXXX XXXX unknown location RUSHMORE LOANS XXXX ( sold " certain asset recovery to XXXX '' after CFPB sanctions causing confusion and take overs to achieve unlawful XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX attorneys, debt collectors, government employees, government offices, government officials, government resources to file for XXXX of property without due process, any monitoring or regulatory civil penalty relief as ordered by CFPB to XXXX XXXX XXXX XXXX hired RUSHMORE LOANS to DEBT COLLECT ON IDENTITY THEFT FICTITIOUS LOANS without any monitoring or regulatory services in Florida and will not honor civil penalty relief for victims to swiftly use government employees and courts to unlawfully seize property or sell for low sales to " highest bidders '' that are usually XXXX XXXX or subisdiaries.
XXXX XXXX and subsidiary Rushmore SOLD their asset recovery accounts to XXXX XXXX ) has struck a deal to acquire certain assets of XXXX Rushmore Loan Management Services LLC XXXX The deal, announced Monday, will result in XXXX XXXX XXXX XXXX acquiring Rushmore 's servicing personnel. The transaction is expected to close in the fourth quarter of 2022, subject to regulatory approvals.XXXX XXXX, 2022
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| 02/14/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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Our residential property at XXXX XXXX XXXX, XXXX, OH XXXX was purchased on XX/XX/XXXX. The mortgage loan was refinanced with XXXX XXXX on XX/XX/XXXX and concurrently a Home Equity Line of Credit ( HELOC ) for {$15000.00} was established. Subsequently XXXX sold the mortgage loan to XXXX XXXX XXXX XXXX XXXX ( XXXX ) and the HELOC to Rushmore Loan Management Services ( RLM ).
The mortgage loan was fully paid off on XX/XX/XXXX and the lien was released by XXXX in XX/XX/XXXX without any complications.
The HELOC with account number XXXX continued with RLM even though funds have never been borrowed through that facility.
In XX/XX/XXXX, RLM arbitrarily informed me that the borrowing facility would no longer be available. Their decision to freeze the HELOC was based on some unknown reduction in my credit score. My credit reputation has been and continues to be unblemished and their action was unjustified. Not only did they deprive me of this financing facility but they have continued to deny me the opportunity to obtain similar financing from other institutions.
In repeated correspondence with RLM they are insisting that I should pay a {$40.00} fee for releasing the lien. This fee is not stipulated in my original agreement with XXXX nor was it assessed when the mortgage loan was paid off to XXXX.
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| 03/05/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
Older American |
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Rushmore has failed to respond to my complaint ID XXXX, and now I am getting letters from the attorney about the foreclosure and about when I need to leave my home the attorney is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Michigan XXXX phone number is XXXX I do not have a email address but you may know of them already also says what I guess is the file number # XXXX the property is now called a XXXX XXXX XXXX. Also there was no 4 week advertising in the local paper which is law in Michigan to advertise the foreclosure for 4 weeks, here it is in the legal news also they were to inform us of the foreclosure and put a copy of the ad on our premises which they did none of also as described in the original complaint that the 180 covid 19 forbearance extension of the already in force original 180 day covid 19 forbearance was denied by the owner as that was stated in the letter of denial also on the latest billing and the one before that it said that we were in a loss mitigation program and on a repayment plan that is very deceptive as if I new this was legally going to be foreclosed my son was talking about moving back in and we could have tried to work something out but this was all done in silence and behind our backs and also deceptive saying we are in a loss mitigation program please help.
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| 04/16/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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My second mortgage transferred to Rushmore loan management service after it was being handled by XXXX XXXX XXXX. Rushmore mortgage got the account after XXXX XXXX failed to address the escrow issue with the loan.
I have had Homeowners insurance since i have owned the house 11 years ago. i have sent to XXXX XXXX proof of having homeowners insurance for the last 6 years. Now Rushmore Loan Management services is trying to do the same thing and collect unverified or paid homeowners insurance on the property that they expect me to pay twice for. These practices have prevented me from making the accurate payment and they still working on collecting bogus money they never paid for. I am attaching the coverage on the house since XX/XX/2012.
There should not be any late charges to my loan and there should be any owed homeowners insurance that i have to pay. The current company is trying to be me in default again and not even checking their records for accuracy. There is no proof on the service 's end to show i owed or didn't have insurance coverage since the current and previous servicer had handled my mortgage.
There should be no reason that Rushmore loan management services charging me for escrow and putting in default on my loan because of escrow i had already paid and had coverage on my home.
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| 04/08/2022 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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Follow up on the Rushmore Loan Management Service Letter dated on XX/XX/2022 for the CFPB Case number XXXX.
I, XXXX XXXX ( Current Owner ) have purchased the property of XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, through Public Auction, I dont have any acknowledge for the property or related to the original mortgagor. I have attempted to reach out to Rushmore multi-times throughout the year till today after received the payoff letter dated on XX/XX/2022, and it has been unsuccessful due to third-party privacy. During the conversations with their CS /management team, a few of the supervisors have been hang-up my phones for few times. Finally, I can be got the direct their Foreclosure Attorney contact number XXXX XXXX XXXX this afternoon. However, the line has been disconnected.
Based on the Payoff total amount of {$200000.00} dated on XX/XX/2022. I am paying the Property Tax, Homeowner Insurance, HOA Fee, and there has no outstanding due payment. I request Rush Loan Management Services LLC to remove the unreasonable items of 1 ) Escrow Advance Balance and 2 ) Corporate Advance Balance, so my lender XXXX XXXX XXXX XXXX XXXX XXXX can proceed the balance payment immediately.
I requested the Rushmore to contact me anytime at XXXX XXXX XXXX. To avoid further delay in payment processing.
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| 03/16/2020 |
Yes |
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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In XX/XX/XXXX, our account was transferred to Rushmore Loan Management Services while it was in a 9-mth Forbearance period which commenced in XX/XX/XXXX and ended in XX/XX/XXXX. In the interim of being transferred to Rushmore, we were informed that we could apply for our Loan Modification towards the end of our Forbearance period and did so in XX/XX/XXXX to complete the paperwork and commence the Loan Modification process. During this period, our Credit Reports should not have been negatively impacted because we were experiencing extenuating medical and financial circumstances and our loan was in Forbearance from XXXX through XX/XX/XXXX and later in the Loan Modification process from XXXX - XX/XX/XXXX because Rushmore took a longer period of time to process the paperwork as well and were being discriminated against during the process as well, as opposed to other XXXX clients whose credit reports were not negatively impacted. Rushmore discriminates against XXXX XXXX and U.S. Veterans and charges higher interest rates when completing a loan modification package, as compared to XXXX consumers whom they service loans for as well. They negatively impacted our credit which is causing extreme difficulty to obtain a VA IRRL to reduce our high interest rates which they are currently charging us.
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| 05/01/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Rushmore loan services is in violation of federal and state regulations regarding loan processing, financial services and real estate procedures.
At issue is a short sale request that was submitted to Rushmore on XX/XX/19. Rushmore ordered a property evaluation which came back at XXXX. Rushmore is required by law and regulations as the seller to pay for fees associated to a transaction such as taxes, settlement fees, real estate commissions, etc. Fees typically equal about 9 % of the purchase price of a property as commissions alone are 6 %.
Rushmore is illegally demanding that they only have to XXXX or about 2 % of the purchase price. This is unethical, illegal and in violation of several regulations regarding financial transactions, acting in bad faith and real estate procedures.
It appears Rushmore is attempting to make such a ridiculous demand so they can illegally violate the CAHBOR which requires lenders and servicers to help homeowners avoid foreclosure. By making illegal and unethical demands they are in fact denying borrower 's right to avoid foreclosure. These violations must CEASE and DESIST immediately.
Federal regulators must investigate Rushmore to see how many other borrowers are being violated in this manner. This is an outrageous violation of laws and regulations.
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| 04/06/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
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Despite me repeatedly telling XXXX XXXX AND RUSHMORE that I do not live at XXXX XXXX XXXX XXXX NY but I do have an interest in the home and I am responsible for the mortgage giving them ALL proof that I have not lived there since XX/XX/2003 That I remarried and that is where my ex wife and children live they continue to proceed with an illegal foreclosure by giving me ABSOLUTELY NO NOTIFICATION of what was transpiring NO NOTIFICATION OF COURT DATES NO NOTIFICATION OF OPTIONS AVAILABLE XXXX XXXX XXXX XXXX even has other addresses where i lived in their files yet in order to move forward and illegally foreclose they keep sending everything to the XXXX address Even after I did find out about the foreclosure and told them in COURT MY ADDRESS HAS NOT BEEN XXXX XXXX they ALL CONTINUE TO SEND ME NO INFORMATION EVERYTHING STILL GOES TO XXXX XXXX XXXX XXXX NY The banks Attorney committed fraud upon the court by affirming that they served me The servicer and bank committed fraud upon the court stating they have the note when the banks other Attorney clearly states they do not have the note. I have repeatedly requested what was paid what is owed I get NOTHING yet they want to foreclose they told me on the phone you had 6 years to fix this you havent I could not fix a problem I WAS UNAWARE EXISTED
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| 10/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Rushmore sent me a check saying it's refund of overpayment to escrow. I took the check to my banks ATM and deposited it and then the bank said I was committing a fraud and closed my bank account. To fight back I pretty much demanded a letter from Rushmore stating the check was not a fraudulent check to take to the bank. They said they would send a letter stating this and I still don't have a letter and it's been a week now, since I spoke to a manager. I told them at that time to never send a me check ever again and to put any overpayments towards principal, now I'm getting a calls saying the check has been cash and I need to sign a statement saying I didn't commit fraud with them before they will post the money to my loan. That check has not been cashed the bank refuses to give it back and are investigating me for fraud because of the poor quality of the check. Rushmore are a bunch of crooks, now I am loosing on the interest that I could have been saving on this loan everyday this goes on. Being called a fraudster by these XXXX and my former bank XXXX XXXX, and still no one is taking responsibility for what they have done to me. I want these people off managing my loan, they are liars and crooks. They need to be investigated thoroughly and there business practices reviewed closely.
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| 05/16/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Mynhome was approved for a short sale in XX/XX/XXXX When it came time to close and finalize the process, I couldn't close because I hadn't found a job nor a place to live yet. The buyers on the deal backed out as they didn't want to wait anymore. Immediately following word that the short sale fell through XXXX XXXX XXXX began foreclosure proceedings on my home. In the meantime they also mailed me a letter offering me a deed in lieu of foreclosure process that was valid for a period of 60 days. The date on that offer was late XX/XX/ but I didn't receive until early XXXX. 60 days to decide if I want to do a deed in lieu would run me to lateXX/XX/XXXX However I subsequently received an foreclosure sale date notice dated For right in the middle of those 60 days they offered me. That is not fair to do to someone. My home is currently under agreement again with new buyers and my Attorney has submitted all the paperwork for the short sale to be approved to XXXX XXXX XXXX. We have not received a response yet. We have asked that the sale date be postponed in lieu of the pending sale. My Attorney nor I have received word on if the sale date is going to be postponed or not. Please intervene and do something to help. I have since found full time employment and can close on this deal. Thank you.
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| 09/28/2021 |
Yes |
- Mortgage
- Other type of mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
Servicemember |
|
I was forced to renew my mortgage at nearly TWICE the existing rate and pay fees that were not applicable by : Rushmore Loan Management Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Tel # XXXX My original XXXX XXXX XXXX XXXX XXXX agreement allowed me to renew my mortgage every XXXX years at a rate equal to the present 30 year mortgage with no fees. The present 30 year rate is plus or minus 2.87 %. The agreement and practices of XXXX XXXX XXXX XXXX have been deemed illegal in a class action lawsuit resolved in XX/XX/XXXX. I would think enforcing any illegal predatory lending practices across state lines would be a felony. Since XXXX I have been renewing my mortgage at or about 3 % without issue. I never agreed to having my mortgage sold or transferred. I am XXXX XXXX XXXX, a XXXX XXXX and was unemployed for a period during the XXXX year due to the Covid Pandemic. I can not afford to have my mortgage payment more than DOUBLE. I can not afford the illegal fees being imposed on me by Rushmore Loan Management Services. I have complied with Covid regulations and XXXX XXXX XXXX I have complied with their demands but deem them illegal.
Documents can be provided upon request.
Rushmore needs to renew my loan at or about 2.87 % with no fees as was the practice since XXXX.
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| 03/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
Older American, Servicemember |
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On XX/XX/2023, my wife called Rushmore Loan Management Services and made our XXXX Payment of {$3300.00} ( Acct # XXXX ) and received confirmation of the payment via Authorization # XXXX from the Rushmore payment system. While monitoring our Bank account to ensure the funds were debited via ACH, we noticed the funds remained in our account for a period longer than normal. On XX/XX/2023, my wife inquired with our bank to see why and learned that the ACH debit was not allowed due to an error with the input of the bank account number that was entered by voice on the call. My wife called Rushmore to see what kept the ACH from happening and was told she gave the wrong Account number when arranging the transaction. She then processed the payment again on XX/XX/XXXX. Our complaint is that if Rushmore uses an automated system to take payments, they should give us credit for making our attempt to pay on XX/XX/XXXX because we received a confirmation accepting the payment with the authorization number. The funds were available but we believe there may have been a glitch in their automated system that created the error. Nevertheless, we have never had a 30-day late for our mortgage, ever, and both of our credit reports took sizeable hits not reflecting our effort to make the payment on time.
|
| 11/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
|
|
We have been trying to get a modification from Rushmore loan servicing and they have constantly been giving us a hard time. We applied several times because we are anxious to start repaying our mortgage. They keep miscalculating our income, or find some other reason that does not make sense. The last time they denied us, one of the reasons is that since I was on unemployment due to Covid closing of my company, they said they cant offer a modification on unemployment income because its temporary. However my company reopened two months ago and Im once again back to my usual income. We reapplied and they denied us and told its our denial is permanent.
HOW CAN THEY TELL US THEY TURNED US DOWN FOR TEMPORARY INCOME, BUT THEN WHEN WE REAPPLIED WITH GUARANTEED IMCOME, ,THEY ARE STILL JERKING US AROUND? DID THEY LIE TO US??? IF THE REASON THEY STATED WAS REMEDIED, THEN WHY NOT GO AHEAD WITH THE REVIEW???
Also, we got Sheriff sale date even though we never received a court date, nor even a copy of a judgement against us. How can this XXXX? Where are our documents we should have gotten to come to court? Where are the judgment documents that we never got? Seems to me this is a case for a judge because too many unanswered questions and irregularities concerning this bank and their lawyers.
|
| 12/16/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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Rushmore Loan Management XXXX acquired my loan from from my previous lender in early XX/XX/XXXX. This is not the first time my loan service company has changed ; however, it XXXX the first time I have reached so many difficulties. XXXX did not make payments to my home owner 's insurance that I have had since originating the loan in XX/XX/XXXX. In XX/XX/XXXX I had an issue in my bathroom that required submission to insurance to be fixed. I then learned that XXXX had forced placed their own insurance with a much higher deductible. The insurance XXXX came to my property and investigated the claim which resulted in payment. The payment was made to XXXX and then I was issued a check for {$200.00}. The difference in the XXXX insurance deductibles ( my insurance vs. forced placed ) is a {$900.00} difference resulting in the repairs not being able to be completed. I have not endorsed the check as I am not getting the insurance benefits I believed I was paying for and these funds with my portion will not cover the repairs.
I was also told by XXXX, when I found out and requested my insurance to be placed back on my loan, that it was completed. My insurance company, XXXX, as well as myself have attempted to simply add my insurance to the loan with no results. I will be trying again today.
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| 08/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Servicemember |
|
I purchased my home ( condo ) approximately 20 years ago. My originating loan was with XXXX XXXX. Approximately 6 months ago my loan was sold to Rushmore Loan Management Services ( RLMS ). I received correspondence from RLMS requesting proof of insurance which I sent proof of the Master and Flood policies. These are the policies that was required in my originating loan and satisfied XXXX XXXX for 20 years with no issues. I received my RLMS Mortgage Statement for XXXX and they added approximately {$300.00} to my monthly loan payment for Insurance. I called and they stated that I was required to have H06 coverage. I explained that the condo unit is on the XXXX XXXX of a concrete building. The building is covered in my master insurance policy. I will take responsibility of the inner walls that are also constructed of concrete. I explained that my loan did not originate with them and they should of never purchased the loan if it did not meet their standards. RLMS Agent stated that they could not help me or explain how they could change the requirements or terms of my original loan. They said my only recourse was to write a letter to their loan department which I did with no results.
THIS IS THE 2ND COMPLAINT - ORIGINAL COMPLAINT XXXX-XXXX WAS CLOSED IN ERROR WITH NO FOLLOW-UP.
|
| 04/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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In XXXX there seemed to be an account with Rushmore mortgage which I never applied for nor did I hold a mortgage with. I signed, notarized and mailed my identity theft affidavit more than 3 times since XXXX. Also, I had filed a case with USPS with the Post Master General regarding theft from my mail box possible he whole apartment complex which I lived at the time. I never received any information, no letters, no certified letters nor statements for the account in question. I also hired several law firms to help correct this and yet XXXX refuses to remove this from my credit report. I mailed Rushmore and they do not find me in their system with my name and/or information.
XXXX has refused to provide me with who, where and when they verified the information. Also, they have failed to provide me with the original documentation which they claim is accurate. Since Rushmore is not able to find my information, they can't provide me with any information, which has been relayed to XXXX and they still refuse to remove. I have spent over {$5000.00} in legal fees and XXXX 's of hours trying to remove this since XXXX I have sent certified letters to both Rushmore and to XXXX. There is no report of this account on XXXX or XXXX, with my proof they both removed this item, except for XXXX.
|
| 06/07/2018 |
Yes |
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- Struggling to pay mortgage
|
|
Web |
|
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After being affected by hurricane IrmaXX/XX/XXXX. Due to damage and repairs I had to make out of pocket. My mortgage company XXXX helped me apply for a hardship and was working with me prior to the sell of my mortgage to another company. My point of contact at XXXX was XXXX XXXX XXXX. Spoke with her weekly and was assured everything was being done to help me keep my home.XX/XX/XXXX was notified my mortgage hardship was approved and they were waiting for finale numbers before sending me out my new contract to sign.
XX/XX/XXXXnotified my mortgage was being sold to Rushmore Loan Management and my modification would remain in affect.
Reach out to new company assigned to XXXX XXXX XXXX Notified her of my concerns and she acknowledged everything would continue as it was. Called weekly to stay on top of the situation only to receive a letter of denial in the mail and a offer to pursue a short sale.
Today after no return call from speaking with a supervisor on Monday Call and spoke to XXXX. Who informed me that supervisor XXXX XXXX found the modification from previous Lender and waiting for supervisor to come out of a meeting to finalize modification.
I do not believe them so I wanted to put a complaint in place for some one else to help me keep on top of this.
Thank -You
|
| 11/01/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I currently have a mortgage with Rushmore Lending. In XXXX of XXXX my loan was bought by them. I originally had XXXX XXXX. I was in bankruptcy at the time the loan was sold. I am currently in my last year of the bankruptcy. All payment have been paid on time to the trustee office.
Here is my issue. On the statements my amounts are not correct. I contacted the company and they gave me the run around. They sent me a letter in XXXX stating they would be sending me my escrow that is around XXXX dollars. Weeks went by and never received a check. I called and it was the same run around. Today XXXX XXXX I received a loan modification packet and it threatened foreclosure etc.
I being researching this company and ran across thousands of other people who are having the same issue. I am a Veteran, mother, and a federal XXXX XXXX XXXXXXXX who cant loose her house. This company has me scared to death that I will loose my house. Im protected right now being in bankruptcy but what happens when I come out in XXXX of XXXX? The XXXX site has thousands of complaints with this company. We need this comps to be investigated. They are horrible! There is another who is actually fighting them in court for not applying over 80 payments to her account and going into foreclosure.
I need help!
|
| 08/04/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I have reached out to my mortgage company about a loan modification that they say that I received but the information is not accurate that they have sent to you the paper work has many different dates on it and there are suppose to be 52 pages and there are not they put in pages of different things and none of them make sense. Rushmore Mortgage has sent me numerous letters saying that they have to do more research on finding the information that I asked them for proving that I did a modification and I have yet to receive proof of this. We have had five different mortgage companies and we never did a modification. We were trying to do a modification but were never approved in fact we were asked to send over money in order to get a modification done. We do not know why if anyone got a modification why would you have to pay to get it done? If someone would look at the paperwork that Rushmore sent over it does not reflect much of anything other then them trying to charge me for something that I did not sign for. Too many different dates and too many different papers that do not add of to what's going on with the mortgage. The dates do not match. I am not satisfied with the results of my complaint and therefore I am asking for assistance concerning this matter. Thank you.
|
| 08/06/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
ON XX/XX/XXXX I COMPLETED A LOAN MODIFICATION PACKAGED AND FILED IT IN A TIMELY MANNER WITH XXXX XXXX VIA MAIL AND FAX SHE ACKNOWLEDGED RECEIT OF PACKAGE VIA A RETURNED LETTER AND VIA PHONE FROM HER XXXX XXXX OFFICE ON XXXX OF XXXX SOME SEVEN TO EIGHT DAYS PRIOR TO THE XX/XX/XXXX TRUSTEE SALE DATE PRIOR TO THIS LOAN MODIFICATION ON XX/XX/XXXX THE YEAR THAT THE HOMEOWNER BILL OF RIGHTS ( HBOR ) BECAME LAW IN CALIFORNIA I HAD A PREVIOUS MODIFICATION FILED. MY PRINCIPAL BALANCE WAS XXXX ( SEE ATTACHED ) AFTER MY THREE TRIAL PAYMENTS XXXX XXXX XXXX I WAS ON MY WAY TO PAYING OFF MY FAMILY HOME ON A VERY SOLID PAYMENT PLAN THEN THROUGH SOME FRAUD AND DECEPTION NOT HONORING OUR VERBAL CONTRACT I FOUND OUT ON THE WRITTEN CONTACT XXXX XXXX XXXX BALANCE DID NOT REFLECT THE VERBAL NOR THE THREE TRIAL PAYMENTS BALANCE, A DISPUTE ENSUED AND FOR 26 MONTHS ARE BETTER I TRIED TO RESOLVE THIS ISSUE ONLY TO HAVE TO DEAL WITH MUCH MORE SLIPPERY DECEPTIVE AND BIASED BEHAVIOR FROM NUMEROUS SERVICING CHANGES, RELOCATION OF MY FILE TO XXXX XXXX TO XXXX XXXX THEN NUMEROUS P.O.C 'S ( SEE ATTACHED THEN CAME THE ATTORNEYS AND LAF FIRMS. WHICH BY THE WAY RUSHMORE SEEMED VERY DECEPTIVE IN IT RESPONSE TO MY PREVIOUS CFP CASE # XXXX NO MENTION OF THE XX/XX/XXXX SALE DATE SEE ATTACHED DOCUMENTS ...
|
| 10/26/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
First of all, thank you for handling my Complaint.
After reading the Consumer Financial Protection Bureau Rules to protect homeowners,I can briefly write my Complaint by saying that:"Rushmore Loan Management Services has violated each and every one of the Rules"
I am trusting that you will base your final conclusions on facts and evidence and not words written in a piece of paper, that is why I am presenting each of my TRUE statements with documents attached.
Please, know that the least I expect is the same from Rushmore.
On XX/XX/XXXX 2014, Instead of Rushmore informing me that they were the NEW Servicer, I found out because I received an e-mail XXXX, saying that Rushmore was going to continue processing my Loan Modification request and Rushmore HAS NOT UNDERWRITTEN MY FILE! (Exhibit G).
For fifteen months I have been calling and sending e-mails and ALL Rushmore's employee refused to talk to me. All of them refer me to Rushmore Attorney, XXXX who does not answer either!
My Complaint has more characters that the ones remainning therefore I will be attaching my three pages Complaint for your review and consideration.
It is with gratitude in my heart for the existence of Consumer Financial Protection Bureau that I place this complaint against Rushmore.
Sincerely,
XXXX
|
| 03/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
A non profit Alliance helped us to submit the Loan Modification Application to Rushmore Loan Management Services and our application was denied and all the given reasons were not correct or true. So I submitted a response to their letter of denial and pointed out the every 6 items of their reason were totally wrong. In addition the current mortgage statements are totally wrong also because it showed we are 3 months behind when in fact they acknowledged and accepted they received the mortgage payments except for XX/XX/2019 which I am investigating why I missed said loan payment. I am suspecting XXXX XXXX Staff were involved in this issue.
From the foregoing it is apparent Rushmore is more focused and directed to foreclose the property since we received a lot of notices about the intent to foreclose the property. Most of the time we received two notices in a month. I complained above this issues but Rushmore just ignore my complaints though they told me that they will correct it. Todate the issues remained on the same condition. Even many emails were exchanged and many phones call made the situation remained the same.
From the progress and development of the issues Rushmore is trying to established and justify their future actions that is to foreclose the property
|
| 11/10/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Rushmore Loan took over servicing of my mortgage for XXXX XXXX XXXX discriminated against me. They refused to honor previous modifications they refused to verify the debt claiming I did not owe it because it was discharged in bankruptcy, Affirmations verifying the debt were inaccurate according to their own filed documents. When I called about the modifications that they were supposed to honor they claimed they were not valid that payments were not received despite the fact the ledger from the previous servicer listed them. They claimed they needed my copies of payments which I sent only to have their employee tell me they did not have to honor it and that if I wanted to keep my home I should learn to pay my bills.
They have recorded the XXXX payments for the first modification and XXXX payments for the XXXX modification and a letter stating an agreement for a modification from XXXX. The modification payments were never applied to the loan and when a ledger was requested from Rushmore they sent XXXX so small no one could read it they only sent XXXX I could read after they filed for judgment. They have purposely continually discriminated against me despite the fact that I am more than able to make payments XXXXXXXX XXXX AND RUSHMORE DISCRIMINATE AGAINST BORROWERS
|
| 03/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
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I am receipt of the Servicer 's letter dated XX/XX/XXXX but having difficulty processing the following statements : : On XX/XX/XXXX, funds were received in the amount of {$300.00}, for the XX/XX/XXXX, monthly payment of {$350.00}, which was short {$47.00}. In addition, they requested If you believe a payment other than those indicated in the enclosed payment history has not been applied to the account, you may provide documentation such as a copy of the front and back of the cancelled check ( s ) or money order or bank statement reflecting full details of the cashed payment, to the address listed in the letterhead above, for further review.
First, my complaint was not addressed I provided the Servicer with a copy of the money order dated XX/XX/XXXX along with receipts for money order purchase and priority mail delivery.
Second, I did not receive a payment history record from the Servicer as they stated, nor do I require one. I have been making payments of {$350.00} since XX/XX/XXXX. Therefore I am well aware of the amount of forwarded payments. Third, The Servicer clearly does not want to admit an Error has occurred on their behalf. Instead they redirect or cover the matter at hand. Lastly, I am requesting a copy of my money order received by the Servicer.
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| 03/28/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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|
Web |
Older American |
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I APPLIED FOR HARDSHIP ASSISTANCE TWICE SINCE XX/XX/XXXX AND I WAS DECLINED AGAIN ON XX/XX/XXXX STATING THAT MY CIRCUMSTANCE HAS NOT CHANGED. MY INCOME THEY STATED THEY USED IN XX/XX/XXXX WAS {$2800.00} AND THE NEW INCOME THEY VERIFIED FOR THE NEW DENIAL IS NOW {$2500.00} SO YOU CAN CLEARLY SEE MY INCOME DROPPED YET AGAIN HENCE ME ASKING FOR HARDSHIP ASSISTANCE. MY RATIOS ARE WELL WITHIN FEDERAL GUIDELINES AS I HAVE READ OVER AND OVER THE GUIDELINES SINCE I ALWAYS HAVE TO FIGHT MY SERVICER. I NEED MY FILE TO BE ESCALATED AS IT IS APPARENT THE SERVICER IS TAKING UPON THEMSELVES TO DECLINE ME VERSUS MY INVESTOR THAT ACTUALLY HOLDS THE NOTE. XXXX IS NOT DECLINING MY FILE ONLY RUSHMORE BECAUSE THEY DO NOT UNDERSTAND THE MEANING OF NO CHANGE IN CIRCUMSTANCE.
MY CURRENT FRONT END DTI IS 42 %, WHICH IS ABOVE THE REQUIRED 31 % AND MY BACK-END RATIO IS 36.93 % AT ITS HIGHEST SO TO STATE THAT I AM NOT WITHIN GUIDELINES IS BEYOND BELIEF AND NEED SOMEONE WITH THE UNDERSTANDING OF GUIDELINES TO STEP IN AND CORRECT THIS SITUATION. I AM XXXX YEARS OLD AND ITS APPARENT THAT RUSHMORE IS TRYING TO TAKE ADVANTAGE OF ME BECAUSE I AM SENIOR CITIZEN AND I WONT UNDERSTAND. ALL GUIDELINES ARE PRESENT ONLINE FOR EVERYONE TO READ, I WILL NOT BE A VICTIM TO RUSHMORE AND THEIR ABUSE.
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| 06/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
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Web |
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I was having such a hard time w a loan modification w the servicer that I had to hire an attorney. At the end of XX/XX/2019 I was waiting for the signed permanent modification, it took so long to get back the signed mod & there was a pending sale date-so I withheld payment to be sure my loan was modified. I made the payment late in XX/XX/2019. I also applied for a modification ( it took the lender almost a year to correct errors and send a perm modification ) & finances had changed due to wildfires in CA. I never heard back. I was given the run around about the RMA. In XXXX and XXXX, following medical orders, my XXXX & I were XXXX XXXX and very XXXX. I could hardly function. I sent in a request for COVID assistance of some kind. Still no reply. I was placed in foreclosure during the Pandemic, while the state was declared a Disaster & sheltering in place- I was placed in foreclosure. I did received modification application, which I sent back in XXXX. Perhaps bc of COVID they were understaffed, but in that time, my loan was put in foreclosure, I incurred late fees & foreclosure fees during a Statewide Stay at Home Order. Yesterday I submitted a request online for COVID assistance & sent in a RMA. I attached the docs here, aside from tax returns bc of size.
|
| 05/16/2021 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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I originally obtained a mortgage thru XXXX XXXX XXXX, XXXX on XX/XX/XXXX, which was subsequently transferred to XXXX XXXX XXXX XXXX XXXX and serviced by Rushmore Loan Management Services LLC on XX/XX/XXXX. During the height of the pandemic towards the end of XXXX I requested an extension to the loan maturity and was denied. The loan was refinanced on XX/XX/XXXX by XXXX XXXX XXXX I. Based on a payoff statement by Rushmore Loan Management Services LLC on XXXX XXXX in the amount of {$280000.00} I received a robo call approximately a month later from Rushmore Loan Management Services LLC. When I called back to inquire as to the nature of the call the representative informed me that the payoff was not met and the monies had been sent back to XXXX XXXX XXXX I., because they had ran a new payoff statement and the funds was short {$2000.00}. This was not communicated to me or the title company prior to closing and the difference in charges was referred to a additional fee we discovered after the fact, when I had the conversation with the company 's representative in mid XXXX. I questioned the additional fees and was given no explanation now the bank has filled foreclosure against me adding an additional charges for the sum total in the amount of {$290000.00}.
|
| 05/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
My husband and I, our credit report has been affected significantly because of Rushmore Home Loan misreporting a late in XX/XX/XXXX. After 5 phone calls, we finally received a letter from Rushmore addressing that our loan reflects a zero principal balance as of XX/XX/XXXX. However, per credit bureaus, they need a letter specifically specifying that we were not late in XX/XX/XXXX. Once we receive instruction from the bureaus we made another 3 phone calls to Rushmore customer service to let them know that we need a revised letter stating that we were NOT late in XXXX of XXXX, that the letter received from them reflecting that the loan is at XXXX balance as of XXXX is not been accept it by the bureaus. Per the customer service representative, a request to remove the late had been sent to the credit bureaus. We pulled our credit report on XX/XX/XXXX and the mortgage late still reflects on our credit report. Our fico drops from high XXXX low XXXX down to XXXX & XXXX and affecting to get a good interest rate on our refinance. Please help us get this situation correct it.
We have been dealing with this situation for the past 5 months and Rushmore has only giving us the run around and affected our opportunity to refinance and get a lower rate on our refinance.
|
| 10/10/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
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Web |
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Loan was sold to Rushmore Loan Management Services. During the change of loan management I received a letter from the original loan service company telling me the loan would be changed to Rushmore Loan Management Services and they gave me a new account number and address to send the payments to. I use bill pay on XXXX and did just that. Got an automated call today XXXX from Rushmore Loan Management Services telling me to contact them. I did. The person asked if I planned to keep the home and then asked for the payment information. I provided the info I was given and was told the account number had been changed. Rushmore Loan Management Services rep said my check would be mailed back to me and I would have to submit a new payment with the correct account info. I have no issue with that except that they said I would be charged late and other fees since the loan would be considered late after the XXXX. There is no way I will get the check, bill pay another one and have it posted by the XXXX, that is only 5 days. I asked them why I would have to pay fees on a new loan and asked if they could not be charged or waived since this is a new loan in transition. They were unwilling to discuss or work with me on it. What options do I have, if any to deal with this.
|
| 01/05/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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|
Rushmore management 's response to me is a non-response just like the previous ones. This case is NOT closed. Rushmore has one of the worst reports by consumers. There are 1700 complaints on this very site about Rushmore. Their concerns and complaints are very similar to mine.
Rushmore is not explaining how come they jacked up the monthly payments from XXXX to XXXX dollars. The escrow and insurance can not jump up by XXXX dollars. I have paid them in order to comply but from XX/XX/XXXX and now XX/XX/XXXX I have paid XXXX dollars that it is not even showing. When I called their number it says you owe XXXX dollars!!!!! That is a big LIE.
I also paid more than 3300 do VA Dept of Taxation so in fact they are double charging me. I am asking for a supervisor or someone high up to CALLL me.
When you call you usually get to talk to someone in the XXXX. I have also requested to know who their investor is. They have not provided that information. I am demanding what I have demanded before. Nothing is changed and their reply is a Non-reply. My house is mine and their way of charging a homeowner who is struggling to keep her only asset is deplorable and unconscious. I am demanding a reply. This company can not overcharge people and then expect no complaints.
|
| 06/11/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
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XXXX gave Rushmore Loan Management my loan to service. Even though they are a little bit better than XXXX, I dont care for this company. For about two years, they have been reporting a deferred interest payment as a balloon payment on my credit file. The deferred interest payment is {$6100.00}. They are a mortgage company, so they are aware that both are two different things. I do admit to falling behind due to medical illness since late 2017. But, I always bring my account up to date. My account has been up to date since late XXXX. But, on my XXXX file right now, they have my actual payment amount of {$1600.00} ; when my payment is {$760.00}. This is a false actual payment and should not be there. I requested a billing statement mailed to my home. They said that they sent it. But, I have not received one yet. I notified Rushmore that I won my property tax appeal. The escrow department said that I have to wait for a bill for them to modify my mortgage payment.
I am so sick of them trying to make me and people like me pay more interest. I consider the fact that they are reporting false adverse information as discrimination. They want to keep me paying this ridiculous interest rate. But, I will be out of their clutches before the end of the summer!!!
|
| 07/12/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Our mortgage was recently sold to Rushmore Loan Management company. We arranged online bill pay through our bank, XXXX, to send the payments like we always do. On XX/XX/XXXX, XXXX sent the first payment of {$3300.00} and it was received and applied to our mortgage. On XX/XX/XXXX, XXXX sent another payment of {$3300.00}. However, Rushmore is claiming they do not have the money. We sent this payment the same way the previous payment that they processed and cleared with the same account information, etc. They then said that if we didn't pay another payment for XX/XX/XXXX, since they never received the payment, we would be charged late fees. So, we used their online system to send the XX/XX/XXXX payment on XX/XX/XXXX, and then we also paid XX/XX/XXXX with their online system on XX/XX/XXXX. Yet, we still have not received a credit for the missing XX/XX/XXXX payment of {$3300.00} from our bank account.
Every time we call Rushmore to try to resolve this issue, they never know what is going on and never have any answers. They tell us that they are researching until a certain date, then the next time, we get a new later date. It is extremely frustrating and the company representatives have not been helpful in assisting us to locate our missing {$3300.00}.
|
| 08/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have a mortage that is being serviced by Rushmore Loan Management Services. My loan does not mature till XXXX but the company keeps insisting that my loan has matures and i need to make a full payment of my mortage dues. I dis not understand the process and i initiated a refinance for my mortgaeg loan based on what Rushmore representatives told me. I started the refi process with XXXX XXXX. In the meanwhile, Rushmore Loan Services refused to accept or allow me to pay my mortage online and kept insisting that i need to pay the entire loan amount due. Apparently according to them the mortage was due on XX/XX/2021. XXXX XXXX promised to refi my loan but took longer than two months to process. In the meanwhile, Rushmore reported me delinquent on my current morgage despite the fact that I was willing to pay my mortage dues and they refused insisting that i need to refi in to a new loan. XXXX XXXX than decided that given i was delinquent on my current loan, they could not give me the refi loan. ITs been a nighmare for me for the past two months. And now when i hired an attorney and reached to Rushmore Loan Managmeent, they prompltly accepted past due on the mortgage but are not taking the derogatory late payment from my credit file. Please help.
|
| 07/18/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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|
Web |
|
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I have been working on this short sale for awhile now. I had XXXX approval letters on hand XXXX for XXXX and XXXX for XXXX. The reason for lower offers is this house has a lot of repairs. Also, the furnace is not working. When the loan was transferred from nationstar to rushmore they said we would be able to pick up where we left off but they ordered a new BPO and the value came back at XXXX. It is hard for me to believe that in 3 months the property value can go up XXXX. There are houses listed for this amount in the neighborhood but they are regular deals and in prestige brand new conditions. Why is someone going to offer XXXX on a house with a bunch of repairs and that you wo n't even have heat in the winter when you can offer it on a brand new home.
The appraiser did not know how to read instructions and he got mad that he went to the property and could n't open the lock box. I think he got mad at the realtor and took this appraisal personal by jacking up the price. I work in real estate and never in my life have a seen market value jump up XXXX. There was XXXX BPO done by the previous lender and both came in at XXXX and XXXX range. My client is being treated unfairly in this situation and being denied the chance of getting a short sale.
|
| 03/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I applied for a loan modification and a file was completed 37 days before the sale date. A representative from Rushmore took a personal interest which was negative and denied the file while we were on the phone with him. He was stating there was one item missing. We called back the same day and sent the document to a supervisor who stated the file never should have been closed and she would try to reopened it, which she was unable to do. The representative who denied the file is XXXX XXXX XXXX he was very rude and denied the modification stating we were under 37 days, although this was not true it was day XXXX. We then filed a complaint against representative. The supervisor stated they will call me back to let me know if XXXX supervisor will reopen file and stated it was denied in error. Our complaint also stated to remove XXXX XXXX from the file. He was no removed. We went to court to have the court move the sale date which was approved and we submitted the loan modification a second time. XXXX XXXX failed to even open the file until after the 37 day rule had passed, making us ineligible for a review. This is unfair how one representative with a bad attitude and a need to hurt others should be allowed to make a decision that no one can fix.
|
| 08/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Foreclosure
|
|
Web |
|
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Rushmore along with XXXX XXXX XXXX is serving as trustee for XXXX XXXX XXXX XXXX XXXX XXXXXXXX is attempting foreclosure on my property with unclean hands and fraudulent assignments that dates by as from mid XXXX XXXX XXXX is well known XXXX XXXX notarize the assignment dating XXXX fraudulently conveyed the first assignment. The assignment was created after the cut off date of the first trust filed with United States securities exchange. The polling and service agreements section 201 clearly states that all mortgages had to conveyed 90 days prior to the cut off date. These assignments are aIl fraudulent and fraud cant be the basis for obtaining a deed. The notary XXXX XXXX XXXX was apart of both Federal and State Court cases. The Vice President that signed are not bank presidents. The are simply Robo signers.I sent a XXXX XX/XX/XXXX and they havent responded. I sent a notice of default and I havent received a response. I requested the XXXX accounting and they didnt even acknowledge my request. They are also guilty of violating Federal dual tracking laws. I requested assistance submitting all of the documents and while collecting loan modifications documents they referred my loan to XXXXXXXX XXXX XXXX XXXXXXXX. This was clearly Dual Tracking.
|
| 10/20/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Please Help!! Have a Buyer for my home, doing a short sale with Rushmore Loan Management Services, who in turn, has us negotiating with there foreclosure law firm XXXX, XXXX XXXX XXXX, PC only to find out we have the short sale denied, we have countered with a higher offer but have been shut out with no further communication from there attorney. We have attempted to reach out to Rushmore Directly only to find out that they will not talk with us because we are in litigation, and will only talk to us if we withdraw attorney representation which would leave us unprotected. At this point I can not afford any additional attorney representation and my options are dwindling. I still have my buyer who wants the home who is willing to go higher in price.I believe that the reason there foreclosure attorney will no longer negotiate with my attorney is because they will obtain a higher fees if they foreclosure on the home. I have contractor estimates and photos to show Rushmore but they will not look at it, just by way of background this was with XXXX and then transfered to Setarus, and on the verge of an approval and was transfered over to Rushmore. I have even attempted to reach out to XXXX XXXX, Rushmore 's Ceo '' s office but would not be put thru.
|
| 10/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My husband and I had a second mortgage with Rushmore Loan Services. Due to some family illness and problems with the mortgage company that owned our first mortgage, we were behind on a few payments. Rushmore sent us several letters over the course of a few months offering us a lower pay-off amount but we were not able to pay those larger amounts to totally pay off the loan. We kept making our payments. On XX/XX/XXXX, we received a letter from Rushmore titled " Lien Release Notice/Mortgage Debt Cancelled ''. It stated that our debt was cancelled and that the owner of our loan had extinguished our debt and the entire balance of our loan was brought to zero as of XX/XX/XXXX. We later received the deed and never had any subsequent attempts to collect the debt. When we called Rushmore several times to inquire why the debt had been cancelled, customer service representatives continually told us " Congratulations! Your debt has been cancelled. '' No one ever mentioned the words foreclosure or " charge off ''. The words " foreclosure '' and " charge-off '' appear on all of our credit reports. This is causing us to have a difficult time purchasing a new home. We would simply like the remarks to be changed to what WE WERE TOLD - " debt cancelled. ''
|
| 03/05/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I purchased my home ( condo ) approximately 20 years ago. My originating loan was with XXXX XXXX. Approximately 6 months ago my loan was sold to Rushmore Loan Management Services ( RLMS ).
I received correspondence from RLMS requesting proof of insurance which I sent proof of the Master and Flood policies. These are the policies that was required in my originating loan and satisfied XXXX XXXX for 20 years with no issues.
I received my RLMS Mortgage Statement for XXXX and they added {$150.00} to my monthly loan payment for Insurance. I called and they stated that I was required to have H06 coverage. I explained that the condo unit is on the 7th floor of a concrete building. The building is covered in my master insurance policy. I will take responsibility of the inner walls that are also constructed of concrete. I explained that my loan did not originate with them and they should of never purchased the loan if it did not meet their standards.
RLMS Agent stated that they could not help me or explain how they could change the requirements or terms of my original loan. They said my only recourse was to write a letter to their loan department.
As of this date I did make ( 1 ) payment with the additional amount until I can resolve issue.
|
| 11/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Hello During Covid 19 i fell through some hardship with work and hours and also had some health concerns that made me fall behind on my mortgage and once getting back on my feet I tried to reach out to my mortgage company to see if there was any assistance or try to modify my loan and I kept being denied. They would not accept any pay rate updates that i continue to provide them they just kept declining it and now i am in desire need of some assistance to keep my home. I have had this home for XXXX years and I have raised my kids and i would love to do what it takes to keep my home so i can also have a place where my grandkids can come and and we continue to be a family i really need and want to stay in my home and as i had no desire to sell this home as i have had for XXXX years and making memories with my kids, Rushmore loan company is not willing to work with me on this matter as i still have a sell date of XXXX 6,2022 I have reached out to loan company and i have reached out to NACA and they have been working as well to try and help me save my home as well as NC HOMEOWNER ASSISTNCE. I explained to RUSHMORE I just need a little more time to make this right and save my home. Please help me and my family. Covid has hit us all hard..
|
| 06/11/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
We have been trying to sell our home in a short sale since XXXX. We received an offer and our negotiator submitted it to the lender. They came back with an extremely high counter offer. The buyer and our negotiator submitted a value dispute. Several times the lender confirmed receiving it but never had an update to provide. The pipes burst in the property in XXXX creating a huge water damage and creating a lot of mold to grow in the property. This information was sent to the lender but they lied and said they had just been in the property a week ago and the property was in perfect condition ( a different representative later told my negotiator that they had not been inside the property since last year ). We finally just received a response today ( after 2 months!!! ) and they lowered the value just a little bit. The buyer revised their offer to a slightly higher offer but we're concerned the lender will not look at it since they took 2 months to respond to the value dispute and gave several inaccurate updates and all out lies to us and our negotiator. Please help us to postpone the auction so that we can sell the property on our own terms and avoid foreclosure. The buyer is a cash buyer and can close immediately if and when approved.
|
| 09/06/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information is incorrect
|
|
Web |
|
|
This complaint is regarding Rushmore Loan Management Services, LLC. Rushmore falsely reported my mortgage payment history to the Bankruptcy Court. Rushmore knowingly and falsely reported this information on my mortgage loan to the Bankruptcy trustee on the official Form XXXX which is a final response to cure payment.
I 'm providing the official XXXX form completed by the Rushmore employee. Please note, I highlighted where they reported I was 3 months in default for post petition payments. As we both know, this is a very serious matter. It is fraud on the court.
I 'm also providing the copy of payment history. The payments for those dates were n't missed as they are reported on Rushmore 's own payment history records.
I believe that because there have been so many errors, I am a targeted individual for Rushmore Loan Management Services. I have called and requested they fix this error but they have not. They knowingly did this. The court closed the case upon the response. I am not paying court fees when this was negligent and intentional on Rushmore 's behalf.
I want this reported correctly to the Trustee of the Court. I also find that Rushmore assessed with fines that appropriate under the Fair Credit Act.
Regards, XXXX XXXX
|
| 05/09/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
This file, XXXX, for myself, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX, initial review was from an application submitted XX/XX/2018. Then, in turn, denied for modification based on lack of a lower payment available per investor guidelines. The income that was reviewed by Rushmore was reduced from our application by more than {$2500.00} a month. We knew the appeal would be denied but we were told by XXXX XXXX XXXX at Rushmore, to submit anyway. We did so and were denied appeal. Thereafter, with the income proof on my bank statements, we feel confident my income will be honored from the application.
We re-entered the process to reapply for modification and were Permanently denied PREMATURELY, without any real review of income/loan details. We have only had one formal chance to apply and have a reapplication based on a change in circumstance.
We believe it is illegal to deny customers the right to modify or at least the opportunity to be reviewed for modification. Rushmore is now denying these rights many more customers than just this one. We are following up with the State Attorney General to insure you are abiding by the proper protocol for XXXX Banking Department, HUD and any other regulatory institutions that may apply.
|
| 12/10/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
To Rushhmore Loan Management Services we dont owed any mortgage payment. They bought the loan mortgage from XXXX XXXX XXXX and XXXX XXXX XXXX said there is outstanding balance of {$5500.00}.
XXXX XXXX XXXX claimed that we have outstanding balance on loan mortgage payment in the amount of {$5500.00}. This alleged outstanding balance had no support whatsoever. Please see the documents that I sent via certified letter of which your office signed the return address of certified letter last XXXX XXXX. FYI and record too 4 times said documents were faxed via fedex fax machine and the receipt I got it is ok. This means the six supporting documents were delivered to your office and when I called your office the staff I talked to said no documents were received. The question why on four attempted faxed the documents your office staff said no documents were received? So certified a letter with return address of which your office signed the certified letter return address last XX/XX/2020. Please use said documents because it is very clear on said loan mortgage statement that we dont owed any money from XXXX XXXX XXXX.
Please see my previous complaint and reference number are XXXX XXXX XXXX and for Rushhmore Loan Management Services XXXX
|
| 02/07/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Since XX/XX/2021 and before I have called, emailed, faxed Rushmore Loan Management Services, the loan serving company for 4 of my loans to no avail whatsoever.
As part of their terms of service, I am entitled to gain access to all my loan information by using their 'customer friendly ' portal. The issue is that at no time have I been able to have access to the portal as it is always broken, not operating, " not set up correctly or some other group needs to solve the problem ''. The matter continues to this very day and I have invested near 90 hours of my personal time these passed 16 months. I have been in touch with numerous off shore employees including XXXX XXXX, head of tech at Rushmore.
What prompted this CFPB report is that Rushmore made a huge miscalculation on one of my loans. The impact is now financially damaging me to more than {$4000.00}. Due to THEIR errors, I may now lose my home and this is not right and they should make it right at their expense.
I have already consulted with a banking attorney and I do plan on suing them if this matter is unresolved within the next 21 days. I also plan on going to the media on this and creating social media posts to educate borrowers on this company.
XXXX XXXX XXXX XXXX XXXX
|
| 04/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
I am not certain if this is my problem but its the only thing I can see that changed on my credit report. My credit score drastically dropped from XXXX to XXXX in some cites and XXXX on XXXX. My credit report is showing that our mortgage was paid in full in early XXXX. I did receive notification from Rushmore Loan Management Services at the very end of XXXX that my mortgage was being sold. to another company, XXXX XXXX XXXX Mortgage. However, my mortgage is no longer showing on my credit report and I am wondering what's happening. Our mortgage was covered with XXXXXXXX XXXX for over XXXX plus years then all of sudden it was sold to Rushmore I believe in XX/XX/2022. Then in XXXX Rushmore is selling the mortgage to someone else. I don't know what kind of games they are trying to play but my husband and I do not want to get caught up in anything with us being so close to paying off the mortgage. We don't know if some company is trying to run a scam on us and we are not going to have it. Somehow somewhere our mortgage balance is being hidden and not being reported on our credit report. My credit score should be reinstated back to normal quickly and not gradually increased, it is not fair nor honest to destroy someone's credit score.
|
| 10/07/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
This is a follow up Compliant against Rushmore Loan Management and XXXX
Under XXXX vs XXXX XXXX XXXX. Case # XXXX in XXXX XXXX Ohio Court. The case began in XXXX and previous complaints were filed XXXX, XXXX, XXXX.
XXXX Purchased the property on or around XXXX/XXXX/XXXX. The sale was confirmed around XXXX XXXX. The Bank had 30 days to pay the Sheriff 's Department the owners equity the remaining balance or forfiet there deposit. The Bank did not pay the remainging balance and owners equity until on or around XXXX XXXX, XXXX. The Bank as Plaintiff did not schedule or allow a move out date or date for the owners to remove any personal property.
The Bank should have lost their deposit and been held in contempt of court for not complying with the law. The owners had to maintian homeowners insurance on the property while not having access to the property and are waiting for the home owners equity to be paid out. The owner 's request the CFPB review the past complaints as this could be the main reason the bank has delayed payment and foreclosure procedures to continue to cause financial harm and harrassment to the owners.
Respectfully Submitted, XXXX XXXX XXXX, Owner and Executor of the Estate of XXXX XXXXXXXX XXXX, Ohio XXXX
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| 03/10/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
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I entered a mortgage forbearance during XXXX. i reached out last year and made a payment to start back my loan payments. Was told the program was not complete yet and I had plenty of equity to use money for other things like paying off bills. And, that the payment I paid didn't matter and would go to the back of the loan. Made another payment this year to start back mortgage payments and was also told the forbearance ends in on XX/XX/XXXX. At the start of the program I had the option to resume payments when comfortable and put outstanding amount on the end of loan. I could refinance loan and pay higher payment. Lastly, pay three lump sum payments which I can't afford. The only option they are giving me is lump payment of {$46000.00} dollars. I have a good job and can easily resume payments. also, I have about {$250000.00} in equity. I cant get a loan from anyone because I wasn't allowed to make three consecutive payments. My interest rate is 4 % and if I am forced to refinance I will have a lot higher interest rate. I feel like I was set up to lose my home and the only option I have is to pay the lump sum. Can you please help me? We can't lose our family home.. Thanks so much.. XXXX XXXX XXXX
The Company is Rushmore Lending.
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| 09/27/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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The Lender did not notify us or our homeowners association of the hearing on XX/XX/2018. Subsequently on XX/XX/2018 we filed a motion to vacate and met with the Court MAGISTRATE whom granted us the motion and the lender attorney admitted that we were never notified.
We submitted a complete modification package to the lender on XX/XX/2018 at XXXX XXXX However. The Servicer refused to provide information and provide us the legal contacting information to proceed.
On XX/XX/2018 at XXXX XXXX we faxed a completed package to the legal office and we did the first follow up XX/XX/2018 at XXXX XXXX XXXX and we were told that a completed package was received and was being reviewed with no questions at the moment to follow up in 48 hours ; we did several attempts contacting the legal offices to follow up and I was unable to speak with their loss mitigation department, I wrote an email on XX/XX/2018 at XXXX XXXX The same day at XXXX XXXX we received the denial response due to : 1. The complete retention package was not received ( we have faxed completed package to the lender and the legal office with fax confirmation receipt ) 2. More than 37 days before the scheduled foreclosure sale ( we dont have a sale foreclosure sale scheduled )
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| 03/13/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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Last year I noticed a transaction in the amount of {$28.00} that was designated as an escrow transaction. I do not have an escrow account, by choice. I was assured that the account had been corrected.
Again, this year another transaction for the escrow account in the amount of {$340.00} posted in XX/XX/2018. Since I do not have an escrow account, where is this money coming from to pay the insurance? Would not someone have noticed there is not an account to draw this from? I am beyond frustrated with this lack of follow through. See the attached document from the re-fi closing where the mortgage is designated as non-escrow. ( in yellow ) Now the insurance has been paid without my knowledge or consent and I am in the process of changing insurance companies. Now it is my burden to wait for a refund check from the insurance company that was paid in error.
I paid more to obtain a mortgage as a non-escrow account and now I am spending my time to fix what should have been right the first time, or at the very least fixed when I inquired about it last year.
When I contacted them last week, I requested that I be contacted via email within 24 hours regarding the plan to correct the issue, I have yet to hear from anyone at Rushmore.
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| 08/29/2021 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Recently, I presented an offer as full settlement of default foreclosed judgment amount of about {$42000.00}. I forwarded an offer of about {$44000.00} cashiers check as full settlement. I understand that Rushmore denied the offer without contacting XXXX XXXX XXXX XXXX that obtained the assignment from XXXX XXXX at the time my chapter XXXX bankruptcy was still active.
Rushmore LMS continue to fully engaged in unfair business practices and relying on their lawyer influences to dubiously sell the property in sheriffs sale because their lawyer relied on the judgment obtained in XXXX to manipulate the legal system to get the property sold in sheriffs sale on XX/XX/XXXX.
Rushmore LMS business practice is deeply disturbing and fraudulent. They falsify statements and created escrow accounts, inspection fees to the extent that they are presently demanding {$67000.00} instead {$25000.00}.
I demand for full detailed of the accounting but Rushmore refused and also refused to provide XXXX XXXX XXXX XXXX. Exhibit A attached represent the 4 letters sent to post office for collections as registered mail which I regularly signed for. The letter doesnt have reliable contact information. FTC I need your help!
Sincerely yours XXXX XXXX
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| 08/29/2021 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Recently, I presented an offer as full settlement of default foreclosed judgment amount of about {$42000.00}. I forwarded an offer of about {$44000.00} cashiers check as full settlement. I understand that Rushmore denied the offer without contacting XXXX XXXX XXXX XXXX that obtained the assignment from XXXX XXXX at the time my chapter XXXX bankruptcy was still active.
Rushmore LMS continue to fully engaged in unfair business practices and relying on their lawyer influences to dubiously sell the property in sheriffs sale because their lawyer relied on the judgment obtained in XXXX to manipulate the legal system to get the property sold in sheriffs sale on XX/XX/XXXX.
Rushmore LMS business practice is deeply disturbing and fraudulent. They falsify statements and created escrow accounts, inspection fees to the extent that they are presently demanding {$67000.00} instead {$25000.00}.
I demand for full detailed of the accounting but Rushmore refused and also refused to provide XXXX XXXX XXXX XXXX. Exhibit A attached represent the 4 letters sent to post office for collections as registered mail which I regularly signed for. The letter doesnt have reliable contact information. FTC I need your help!
Sincerely yours XXXX XXXX
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| 02/19/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX Rushmore Loan Management Services made a payment from my escrow account for {$300.00} for Mortgage Insurance ( PMI ) due XX/XX/XXXX. The payment due XX/XX/XXXX was made by XXXX XXXX XXXX ( my prior mortgage company ) before the servicing of the loan was transferred to Rushmore.
I spoke to Rushmore on the phone for nearly an hour attempting to resolve this and received nothing but the runaround from the representative as well as the supervisor that I spoke to. They said it was my place to prove that the payment was made by the prior mortgage company. These are records they should have received when accepting the transfer of responsibility.
I paid to have proof faxed to them that the payment was previously made and have yet to receive any response.
Rushmore Loan Services reviews speak for themselves. They are a terrible company to deal with and it is even worse that they were not selected, the loan was merely transferred to them.
I find it absolutely crazy that they actually reside in Puerto Rico and are treating United States consumers in such a way. I hope the Federal Government steps in and shuts them down.
I want the overpayment/duplicate payment of {$300.00} refunded to my escrow account ASAP!
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| 03/22/2019 |
Yes |
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- Struggling to pay mortgage
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Web |
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My home was damaged in a storm on XX/XX/XXXX. I could not live in it. Insurance did not pay until XX/XX/XXXX. I hired a contractor but he did not do a good job so he was fired before completion leaving almost {$15000.00} on the insurance payout. I asked mortgage company to send check to another contractor. They sent it in the name of the first contractor. During that time it went into foreclosure so I couldnt get the insurance. It sold on XX/XX/XXXX. When it sold I owed XXXX but it sold for XXXX. For some reason it was reduced after foreclosure and was told I owed XXXX and it sold for XXXX. I wouldnt sign the hold harmless because of the insurance. In XXXX it was transferred to RUSHMORE LOAN MANAGEMENT and they started trying to collect from me. I called and asked about the collection explained the foreclosure and asked about the insurance funds which were being held in restricted escrow. For two months no one could explain. Then I was told I would not get it it would be sent back to the insurance company. I received another request that I pay and called again. This time I was told I owed nothing and but they were putting a claim against the insurance funds and would not give me any information such as how much or why.
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| 10/27/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Rushmore Loan Management Services recently purchased our mortgage from XXXX XXXX. Starting with last month, payment due XX/XX/2018, they have failed to record our payments for which we have canceled checks that were cashed before the due date ( for payment, cashed on XX/XX/2018 and for Escrow, cashed on XX/XX/2018 ) as of now these payments have still not been credited to our account. We called them on XX/XX/XXXX to try and resolve this payment matter we were greeted with a rude adversarial representative who could not verify any information forcing us to fax all our proof to them. They responded with a letter stating they needed 30 days to look into the matter ( this is absolutely unreasonable ). We have not received any statements for payment due XX/XX/2018, to prevent being delinquent we mailed a check for XXXX which was cashed on XX/XX/2018. Now on XX/XX/XXXX we have received a delinquent report and late charge assessment for the past two months. We have still not received any statement to pay our XXXX payment. We did not choose this company they are completely incompetent and our credit is being destroyed. I am trying to get this company to cooperate before things get out of hand and a lawsuit is the only answer.
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| 08/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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XXXX - We are XXXX XXXX affected couple, and in default of our mortgage.
XXXX - Our home is our primary residence occupied by owners. We have no other property.
XXXX - Besides COVID, the borrower has lost her employment as XXXX, due to XXXX XXXX XXXX, after doing her career passionately for 31 years.
XXXX - Formal doctor XXXX determination documentation has since been supplied to the mortgage loan processor - Rushmore LMS LLC.
XXXX - Out of three original borrowers, one XXXX after 6 years and the second after 14 years of starting this mortgage loan. The mortgage payment burden is on sole surviving borrower now.
XXXX - We turned in the formal loss mitigation completed application package to Rushmore. They owe us a written acknowledgement of having received the package.
XXXX - Rushmore owe us the formal notification regarding their willingness to review and take a decision on our loss mitigation application.
XXXX - An application for California Mortgage Relief Program grant is still pending review and decision.
XXXX - Our property has not been removed from trustee auction sale scheduled for XXXX at XXXXXXXX XXXX
XXXX - The terms of our mortgage have consistently and progressively been harsher every so often.
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| 09/20/2019 |
Yes |
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- Trouble during payment process
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Web |
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We are closing on our home and were well aware our escrow would be paying our school taxes around the same time of closing. So i proactively called my mortgager Rushmore loan management on XX/XX/19 inquiring if my escrow payment could be held in order to close on my home in a timely manner. I was told by rushmore that they could not hold my school tax payment, i was told that they had not received my tax bill at that time either. I called back on XX/XX/19 inquiring what can be done as the funds have been withdrawn from my escrow account and was told they will not be sent until the following week of XX/XX/19 and there is nothing they can do. We are now scheduled to closed the week of XX/XX/19 and this is preventing me from clsoing. My attorney needs documentation that the taxes have been paid in order to close and Rushmore now indicates they made a mistake and that the funds could have and should have been held as i requested on XX/XX/19. My closing is now being held up due to their error and my sale could potentially be lost due to their mistakes. I need this fixed, they need to be taught to properly manage my loan. If i lose the sale of my home due to this i will be requesting the full sale contract price from them.
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| 10/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Rushmore loan management continue to try to foreclose on my home. They continue to increase my fixed monthly payment by increasing my escrow payments. When I question how my payments increase no one can explain. My payments went from {$1600.00} to {$1700.00}. I constantly receive incorrect information why my payments increased and threats if I do not agree to pay the new amount. The company threatened that if I do not pay the requested amount they will put my payment in suspense which will cause me to get a 30 day notice on my credit.
After not receiving an explanation I took my escrow analysis to be reviewed. It was discovered that I was being double charged for my homeowners insurance. On XX/XX/21 I was charged {$1100.00} for homeowners insurance and XX/XX/21 for {$960.00} for homeowners insurance. Rushmore refuses to explain the double charge and adjust my escrow account. I was also told I am unable to cancel my escrow because I had a modification in XXXX. I am afraid that if I have to rely on this company to manage my escrow I will loose my property. They double charge, refuse to explain or adjust my payment accordingly. I am requesting to cancel my escrow and pay my own escrow. This company can not be trusted.
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| 09/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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Complaint against Rushmore Loan Management Services for unauthorized increase to my fixed mortgage payment apparently for lack of required insurance. My property is a condo, and the XXXX XXXX insurance policy includes flood and liability insurance. I have repeatedly sent this proof of insurance to Rushmore. However, in XX/XX/2018, Rushmore increased my fixed mortgage payment by approximately {$79.00} without explanation or any notice. I have tried to understand why in a phone but they couldnt explain why this action was take or even what it was for other than premium payment!
Instead, they are attempting to verify coverage despite my mailing proof of coverage. Every year they harass me by claiming they havent received proof despite verification from XXXX, the website they use plus the receipt of hard copy proof. However, never have they charged me for a premium as they did in XXXX.
I find this company as the most incompetent and fraudulent institution I have ever dealt with in my XXXX years on this earth. I was so sorry to see my loan was sold to them a few years ago as I have never had this problem with other banks on this loan. What used to be an annual routine submission has turned into a nightmare. Thank you.
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| 04/23/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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we fell behind in mortgage, way behind. we have tried for loan modifications several times. one company took {$2500.00} and closed up shop taking my money with them. Rushmore, the mortgage company told me they would do modification for free, take 30 days. I called about 3 months later after never hearing anything even after phone calls and told they never did it and it takes 6 months!. we have gone to many people, taking money up front, even after I told husband not to do it, and no where. I cant do thru bank either. Now on XXXX XXXX I got a letter telling us that we had to sign our keys over to Rushmore by XXXX, 2016. That we would get only {$2500.00} AFTER they decided if it was acceptable to them. I have since got a letter from a lawyer telling me that the auction on property is XXXX XXXX, 2016 at XXXX XXXX. If it is being sold at auction then Rushmore is in now way going to give me moving expenses since they will then no longer own property. we have not sent back their letter. I do not have means to move as rents in my area are as high as mortgages! we also have a XXXX yr old son that they are putting out on street. We need longer then XX/XX/XXXX to get up funds and need much more then the {$2500.00} they offer.
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| 07/31/2020 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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because of the pandemic, which resulted in a lockdown of the ecnomy my wife was furloughed from her job and my XXXX a XXXX XXXX XXXX was crippled all non essential workers was barrred from leaving their homes.So we made our XXXX mortgage payment and then opted to use the forbearance provision of the Cares Act as we applied for unemployment insurance to help with household expenses.It took 5 to 6 weeks before we heard from the state due to the backlog and faulty system.When opting in the agent for the servicer explained to me that before the initial 90 days period ended if you needed more time to call and communicate that to them which I did and even went on line to fill out the request on their website.in response I got a form outlining a loan modification, something I never asked about or mentioned the days we have under the Cares Act for forbearance have not been exhausted and we are hoping things will turn in the right direction soon.In the meantime Florida where we live has become the epicenter of the virus we need more time because of the uncertainty of maybe a full shutdown again we want to be treated fairly according to the Law.I feel they are trying to pressure us into agreeing to something we do not want.
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| 08/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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My Name is XXXX, I live at XXXX XXXX XXXX XXXX, LA XXXX PH # XXXX I have had some health problems that cause me to lose my job and and a result my house payments got far behind. I have been trying to get a load nodification. Rushmore Management is PURPOSELY giving me a hard time requesting documents I already sent and asking for bank account information I don't have and never had. I once did gig work with XXXXXXXX XXXX XXXX XXXX and XXXX.I never had a business account. my pay was loaded to their pay card. I sent statments to show that. I am now working full time 40 hours per week and can afford to make my house payments but Rushmore is PURPOSELY wasting time with asking for information that is nonexistent or what I already sent so they can forclose on my property. I am asking for help. I want to keep my home. I understand the payments must be made monthly and on time. I can now pay but my lender is operating in a un business like manner. my loan acct # XXXX. I also called today to check the status of my modification and spoke with loss draft department their ID # XXXX, to only learn my mortgage company is still playing games. The under writer who is assign to my account is very difficult to work with. Thank you.
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| 02/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Dear Consumer Financial Protection Bureau, This letter is to attempt to inform you what happen during my visit to XXXX XXXX dealership while I was getting my car serviced for an oil change. While waiting to get my car serviced, a sales person asked me was I getting help. I said to her that I'm getting an oil changed. But I also asked her about the cost of a newer vehicle? She asked me about my credit score and I told her then that I did not want my credit pulled. I also told the manger the same thing, he reassured me that it would be a soft pull. But I am just finding out after my bankruptcy and checking my credit report that they indeed pulled a hard copy of my report all on XX/XX/2021, to the following XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX to review a possible loan to get a vehicle.
I want this list of hard inquires deleted from my report as soon as possible. I really appreciate your prompt attention to this matter.
Sincerely, AHP Rushmore has reported that I was 180 days late with my mortgage payment. Which is not true. I was sent a leger from Rushmore to prove that I was not late with my payment during anytime of my bankruptcy from XXXX. I would like for Rushmore to remove the 180 days late. Thanks
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| 06/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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In XX/XX/XXXX I fell behind on payments due to injuries suffered from previous accidents, both work and vehicle. I made attempts to pay, they refused payments. I tried to get a foreberance but they denied me. Then the pandemic came. XXXX XXXX I made contact again with the servicer, XXXX XXXX was my point of contact. I received an email from him stating they were working on it, never heard back. They barraged me with automated calls and automated voice messages to my cell phone in violation with FDCPA. I called the point of contacts, XXXX XXXX wouldn't help me because as she claimed, I am not her kind. Never heard back after that. They continued with letters and point of contacts, none responded to me as required. This pushed my balance higher. I applied for modification in XX/XX/XXXX, gave everything they requested, they denied claiming I requested a foreberance, I didn't. I applied two more times, each time they asked for documents already sent and received, claiming not to receive them, but i sent sent back checklist to confirm all received. They played the we don't have them game to avoid helping me, then closed application. They deliberately miss managed to avoid helping and continued to collect higher fees
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| 11/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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My mortgage is too high with escrow included. I was told that I could lower my payments when I requested my 2 parcel numbers be placed as 1 parcel number. I did but my mortgage still goes up in XXXX XXXX to XXXX from XXXX. Then I was told to get lower insurance coverage. I did. I was paying XXXX and I found a new policy for {$640.00} lower. Today when I called escrow the representative said my old insurance was lower than what I had been paying. She said I was only paying XXXX. How did it change from {$2500.00} to {$2100.00} so quickly after I found a much lower policy. I believe they are trying to cheat me out of my much lower rate by claiming I was paying less than I was.
Also, The Cares Act paid 6 months of my mortgage but they show I owe late fees and that my original balance to be approx. XXXX but my balance owing is over XXXX. I am not and have not gained any equity why?
Rushmore is XXXX and XXXX and this is not my first complaints made against them. I never understand what they are doing with my mortgage, but I have always felt undermined with them. I need some one who understands to audit my loan and escrow to make sure I am paying a fair mortgage. They are difficult to understand and work with.
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| 02/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I have been trying to get assistant from RUSHMORE LOAN MANAGEMENT SERVICES for an extension of the COVID 19 for the last 2 months. On XX/XX/XXXX, th I emailed them every single document that they requested.
They have NEVER sent any letter to me. They will not extend any COVID 19 plans unless you apply for a workout options. Every lender in America will extend your COVID 19 plan without this game that RUSHMORE plays. I am unemployed, don't have money. I sent them the pension benefit award letter, PLUS two months bank statements. The last bank statement was XX/XX/2021. I applied on XXXX It is now XX/XX/2021, and they are saying that my bank statements are over 30 days old. NOT TRUE. They were 7 days old upon application.
Its just a joke to work with this servicer. They are legal mafia. They do not want to help.
They are telling me my bank statement that was the MOST CURRENT ONE AVAILABLE on XX/XX/2021 is not valid. That statement was only 7 days old, and it it shows the SS deposit. My next bank statement does not even come out until later this week, which then they close your file, tell you that you did not submit documents in time, and start again.
ZERO HELP. I am attaching the documents for you to see.
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| 09/10/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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My homeowners insurance is paid from escrow. My lender failed to send payment to right address ( no fault of mine ). The payment was sent back. Lender did not notify me or send any letter out. They simply let my insurance cancel. This was not discovered until XXXX 2017 when a trampoline blew into my house and fence. I found out from XXXX XXXX when I tried to file a claim. I called rushmore ( my lender ). And they admitted their mistake and said they would make me whole. It should be noted at this time there was no forced policy in place by rushmore. My policy rushmore let lapse was only a XXXX deductible. Under my policy my fence would have been covered. Rushmore sent out an appraisal person. Still it should be noted NO FORCED POLICY BY RUSHMORE. Still assured by rushmore I would be made whole according to the policy they did not pay for me. Finally a forced policy was placed and back dated by rushmore. The policy had a ridiculous XXXX deductible. And would not cover my fence which was cover under my policy they failed to pay or follow up on. So after the fact including appraisal. They got themselves out of paying me anything because of the ridiculous policy they made up. This is fraudulent on their part.
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| 08/21/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Rushmore Loan Management Services is the mortgage servicing company on a mortgage secured by property in XXXX, NC which property was damaged by Hurricane Florence in XX/XX/XXXX. Insurance proceeds in the amount of {$200000.00} were delivered to Rushmore of which {$36000.00} have been disbursed to the general contractor.On XX/XX/XXXX I requested a check in the amount of {$15000.00} by email payable to me and the contractor who lifted the house. XXXX is the person assigned to the claim by Rushmore.When I last spoke with her on XXXX XXXX she said the check had been requested. The check has not been received and the contractor has demanded payment as they have done the work. It is my belief that Rushmore intentionally slow walks payments so that they can benefit from the float.I have called the CEO, XXXX XXXX as well as XXXX XXXX, the VP but neither was available.. I requested a call back and advised the receptionist of the urgency of the payment as the contractor will not lower the house on to its foundation if not paid. The house is in jeopardy if another hurricane strikes the area as it is elevated and not on its foundation. I need the $ XXXX.draw from MY insurance proceeds and I need it now. Telephone :.
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| 08/07/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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The property is located at XXXX XXXX XXXX. XXXX . XXXX XXXX, New York XXXX. The property went through mortgage foreclosure from XXXX to XXXX XXXX XXXX XXXX vs. XXXX XXXX . The property was also going through a foreclosure lien XXXX XXXX XXXX from XXXX to XXXX. The sworn affidavits presented to the court confirming that the tenant in occupancy had been served were false documents. XXXX XXXX XXXX Housing Authority allowed the Section 8 rental payments to be used to represent the tenants listed in the fake affidavit, and to hide my tenancy from the record to keep this apartment from being recorded as rent stabilized. I filed a XXXX complaint against XXXX XXXX XXXX notifying them that the mortgage was in default upon XXXX XXXX death and they transferred the mortgage loan to Rushmore Loan Management, but with out a record of the rental income ; which should've been listed during the mortgage and the lien foreclosure. Now the mortgage loan is in XXXX XXXX XXXX and the account is delinquent since XX/XX/XXXX to the present. I've been 1 year and 6 months without a landlord, and the XXXX XXXX XXXX Board has refused to comply with XXXX Administrative Code 11-243 and to enforce NYPAL 2429- Rental on the property.
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| 12/19/2022 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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I filed a motion to compel the foreclosing purported claimant Goldman Sachs Mortgage Company to produce the original " wet ink '' Note in my XXXX XXXX U.S. Bankruptcy Court proceeding, case no. XXXX, heard in XXXX, Massachusetts. The foreclosing corporate entity failed to produce anything. I have a right to verify whether said entity actually owned my Note when it purportedly foreclosed my property.
I am hereby demanding the CFPB compel the purported foreclosing entity to produce a complete chain of custody of MY NOTE, that I issued, and that they claim they owned, not simply held, when they purportedly foreclosed the mortgage on my home located at XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Massachusetts, on XXXX XXXX XXXX
I demand evidence in the form of a sworn statement indicating with specificity the complete chain of custody of MY NOTE, from the moment I issued it to XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX, to the present time, including dates of transfer, owners of my Note in whole or in part, " holders '' of my Note that may not have owned it in whole or in part and identified as such, and if ownership was/is claimed in part, the exact amounts of ownership claimed, with supporting documentation.
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| 09/30/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XXXX XXXX sold my load to Rushmore Loan Management Services ( RushmoreLM ).
RushmoreLM is not suited to handle a 'negative amortization ' loan. Online and statement by mail only give the option to pay the minimum amount plus insurance.
They see my loan as a standard ARM and at the same time tell me they understand a negative amortization loan.
Since taking over the loan ( 4 or 5 months ago ) I have to call every month to make my payment. I never speak with the same rep so I have explain my loan so they take the right payment. This takes time as they put me on hold to read the mounting notes of the previous months. They go through the same series of solutions that I go through every month that never fix the issue.
Since being forcibly moved into this company it has taken me 30 to 45 minutes to make a payment. It used to be 30 seconds online at XXXX XXXX.
All I am being told is that they are working on it. My relationship due to my frustration is not going very well with this company.
I understand my loan can be transferred and what I do not understand is how it can transferred to a company not suited to handle this type of loan?
What recourse does a consumer have in this type of indecent?
|
| 07/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I am a 100 % XXXX veteran who went to my XXXX to get an tax exemption which went through. The XXXX back paid me {$10000.00}. This was back paid for all taxes I paid from the years of XXXX to XXXX. The county tax lady told me due to some problems with the check and a ex wife on the deed, that she could mail the check to Rushmore Loan Management Services and that they could not legally keep that money past 30 days. Here we are now going on two months. I am also behind on my mortgage and was expecting this money to help with several financial issues. I been calling in and calling in and all I get is lie after lie. People telling me they sent the money or that they sent the money to the title company, however when I ask for the title companies name and information they don't know what it is.
I just want my money, and the last call I made to them made it known that they were keeping the money because I have six accounts and I have no clue what that even means. All this time over the past 2 months they been telling me its on the way. I am at my end with this company. I don't know who to even turn too. I just want what is mine. Rushmore Loan Management Services LLC.
XXXX XXXX XXXX XXXXXXXX XXXX, CA, XXXX
|
| 01/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
In XX/XX/2021 I received a letter that my mortgage was due in XXXX. I was unaware of that and told Rushmore. I didn't want to use all my savings to pay the balance. I was renting the property at the time and unable to refinance. I'm also retired. The only solution was to accept the Rushmore " rate renewal '' at more than twice the prior rate ( XXXX XXXX XXXX XXXX ) The tenant moved out in XXXX and I moved back to the property. I now have to borrow from savings each month to pay the higher payments ( + $ XXXX ) in addition to higher food & other expenses due to inflation. I called Rushmore for help. They offered loan modification or other program so I went thru the extensive process, with documents & information. I now received a bizarre letter that I don't have enough income to support a loan modification. Which is why I asked for help. That " rate renewal '' far exceeds the market even with higher rates. I tried to refinance the loan but it adds more to the balance without offering lower monthly payments. Don't they have to provide assistance? Lower interest or refinance the loan to extend the date for lower monthly payments. I can't keep depleting my savings to pay this outrageous inflated rate.
|
| 10/24/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
XXXX XXXX was paying my mortgage and per our documentation ( through XX/XX/XXXX ) I was approved for the last quarter but they never sent the payment. Rushmore contacted me and said there was an outstanding balance and then XXXX XXXX told me that I my XXXX funds were reduced to offset the amount received over the {$18000.00}.
I was prepared to have the XXXX &XX/XX/XXXXpayments but I was told that I need to pay XXXX, XXXX and XXXX as well.
I received a notice from Rushmore that they deemed my home VACANT! I never received a call or letter from them regarding my property - but I did however speak with with XXXX onXX/XX/XXXX. On XX/XX/XXXXmy landscaper said that there was someone taking pics from the street of my house. I was in the house resting, no one ever came to the door nor was the landscapers, who are XXXX were asked if the owner was home. Instead they were afraid - I cant belive they sent a XXXX XXXX to my home. I want to know how they deemed my home vacant? What communication was used? Whom did they speak with - my XXXX is a sheriff.
I need this investigated asap, I am also getting a lawyer because Im looking at this as harassment from their vendor. My congressman will also be notified.
|
| 06/04/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Credit decision / Underwriting
|
|
Web |
Older American |
|
This complaint is about the Loan Servicer RUSHMORE LOAN MANAGEMENT SERVICES, LLCOn XXXX/XXXX/XXXX, before the Tenant Protection Act expired on XXXX/XXXX/XXXX, we signed a residential lease with the owner of the property located at XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX, FL XXXX, for XXXX year which was exended until XXXX/XXXX/XXXX, because the XXXX association took longer to get us approved. The property sold and the purchaser was the plaintiff/bank who is NOT going to occupy the property. We believe we are covered under the TPA because the lease was singed before the act expired. However, the attorney IRA XXXX XXXX representing the Loan Servicer RUSHMORE, is completely ignoring this act and does not want to honor the terms of the lease to allows to stay in the property until XXXX/XXXX/XXXX. He wants us out by XXXX/XXXX/XXXX, in two weeks.
My questions to you are : Are we covered under this act since we signed the lease before the expiration of the act? What can we do to force them to honor our lease?
I will be XXXX years old in XXXX XXXX, and need the extra time to find another placeI will appreciate your prompt response to this email and please forward to the the proper enitySincerelyXXXX XXXX
|
| 09/18/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I set up a bill pay process with my bank, XXXX, XXXX, DE, in early XXXX to pay a mortgage payment on XX/XX/XXXX as the payment was due on XX/XX/XXXX.
I monitored the transactions on both online accounts, Rushmore Loan Management and XXXX. The withdrawal from the XXXX account appeared as expected. The payment to Rushmore did not appear on the XXXX nor has it appeared in my account to date XX/XX/2018.
As the bank payment didn't appear I decided to make an online payment on XX/XX/XXXX to avoid late fees and an impact on my credit score.
I called Rushmore customer service on the XXXX to ask how long it took for transactions to be posted and was told 3 to 4 business days. I also explained that I made an online payment in addition to the bank payment. The representative offered to cancel my online payment as the bank payment was expected. I accepted her offer and she was to cancel the online payment.
As of the XXXX the bank transaction has not been posted and the cancelation transaction has not been posted.
I no longer have confidence that Rushmore is servicing my loan appropriately. Is it acceptable for a banking institution to wait so long to post transaction or are the transaction not occurring?
|
| 12/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Rushmore Loan Management Services LLC began servicing my mortgage in XX/XX/XXXX after it was sold from the prior servicer XXXX. First, XXXX has continued to incorrectly report to the wrong original loan amount of {$370000.00} as of XX/XX/XXXX. T.hey have document records that the original loan amount was {$390000.00} and not {$370000.00}. Secondly, Rushmore has continually reported the wrong outstanding balance owed each month to the credit report agencies. As of XX/XX/XXXX, Rushmore has reported my balance owed as {$360000.00} but has mailed a statement that shows my outstanding balance is {$360000.00}. Since, my original loan amount was {$390000.00} as of XX/XX/XXXX, I have paid a total of {$29000.00} toward the principal balance. Rushmore 's inaccurate reporting of the original loan amount as ( {$370000.00} ) and inaccurate outstanding balance as of ( {$360000.00} ), result in the CRA reporting that only 4 % of my mortgage has been paid since XXXX. THIS is wrong and has impacted my ability to obtain new credit. I have written the customer service department of Rushmore, who has continually not provided the correct information to CRA after I have disputed them three different times since XXXX.
|
| 08/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
XXXX of 2021 my husband moved out and caused the financial disaster by XXXX I called and was ready to make payments ( it was in forbearance ) and was told I can longer make payments on the home I applied for a loan modification to put the past due amount in the back of the loan the lender always finds a problem with and lies when I ask about when I was sent a notified letter saying my home is being sold none of that matters weve been going back and forth ever since First time my home was going to be XXXX was XX/XX/XXXX I found out and only had a few days to save it I did now they denied my application because im too poor when I work cash under the table rent a room yet they only accept what they feel they want to they are evil so now I dont know what to do plus my mom is XXXX I asked for time they said no! Please help I just want the modification it would bring ny payment from XXXX to XXXX they said this to me or else a Deferral just something I am doing everything possible but they make it impossible to save my home I was told to be careful because my home has alot of equity they might deny it for " other '' reason please help please My lender is Rushmore financial institution bunch of XXXX!
|
| 11/02/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Rushmore Loan Management added unnecessary insurance to my mortgage, which led to a shortage in escrow, resulting in an increased mortgage payment. The company was made aware ( proof was provided ) that my home was from the requirement for flood insurance due to flood zone : AH. Rushmore failed to rectify the matter on a timely basis. They have failed to apply my payment appropriately, and they then started foreclosure proceedings and refused any of my payments as per their letter dated XXXX XXXX, 2015.
They have ruined my good credit history under the affordable housing programs, for which I am to receive a yearly credit of {$1000.00} for making timely payments. They have also ruined my credit history, and have started foreclosure proceedings.
My attempts to resolve this issue by contacting the company has failed miserably! Instead, I continue to receive dunning letters and phone calls.
I 'm asking that Rushmore reinstate my payments under the agreed terms, allow me to make my payments, remove negative reports from my credit history from XXXX 2015 to XXXX 2015, and reinstate my good payment record so that I may receive the yearly incentive of $ XXXX you for you assistance in this matter.
|
| 02/23/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I was in formed via letter from the mortgage company in XXXX that I no longer needed to pay PMI {$27.00}. I called the company XXXX as my statement did not reflect the new payment amount. I was told my new payment would be {$510.00} and it will take their system a couple of cycles to catch up. It 's XXXX and I 'm about to make my XXXX payment however my statement still does not reflect the new amount. I have been paying {$540.00} indicating on the payment stub that {$27.00} should be applied to the principle. I called the company today to inquiry and was told they were not applying the funds as I wanted. They were applying the funds to the escrow account because there would be a shortage. I was never notified of an escrow shortage in writing or when I called in XXXX. The company says they can not reverse the payments to the escrow account because of the shortage and I should be paying {$540.00} to cover it. Since I was not notified of the shortage I would like an escrow history. I would like the company to credit me the amount of money roughly {$27.00} a month for XXXX, XXXX and XXXX to the principle. I would like the company to correct any future statements with the correct payment amounts.
|
| 01/03/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
RUSHMORE STATES THAT THEY RESPONDED TO NUMEROUS COMPLAINTS THEY FAIL TO MENTION THAT THEY JUST PICK AND CHOOSE WHICH PARTS OF THE COMPLAINT THEY ADDRESS 1 ) THEY SOLD MY HOME FOR {$100.00} TO XXXX XXXX APPRAISAL IS OVER {$350000.00} AMOUNT OWED IS BETWEEN {$220000.00} AND {$260000.00} 2 ) THEY SENT PAYOFF LETTER THE DAY OF THE SALE AND STATED IT WAS GOOD UNTIL XX/XX/2018. WHEN I CALLED REGARDING THE LETTER BEFORE XX/XX/2018 THEY STATED SORRY HOUSE IS SOLD LETTER IS IRRELEVANT 3 ) ALL PAPERWORK WAS NEVER SERVED ON XXXX XXXX ( LACK OF JURISDICTION ) 4 ) PAYOFF AMOUNTS ARE NOT THE SAME ON ANY PAPERWORK LAWYERS HAVE ONE AMOUNT RUSHMORE ANOTHER AND THEY DISREGARDED ALL REQUESTS TO EXPLAIN 5 ) THE MODIFICATION PAPERWORK WAS IRRELEVANT AND A JOKE THAT THEY OFFERED IT BECAUSE AS STATED IN THEIR OWN LETTER THEY DO NOT OFFER MODIFICATIONS FOR HOMES AS DELINQUENT AS MINE ANY MODIFICATION OFFER WAS FRAUDULENT BECAUSE THEY KNEW THEY WERE NOT GOING TO ACCEPT IT.
6 ) ALL ASSIGNMENTS ON THE MORTGAGES ARE FRAUDULENT. THEIR OWN ATTORNEY STATES IN CORRESPONDENCE THEY DO NOT EVEN KNOW WHERE THE NOTE IS.
HOMEOWNERS NEED TO LOOK AT THE REFEREE DEEDS AFTER THE SALES TO SEE WHAT THEIR HOMES ARE BEING SOLD FOR
|
| 08/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My loan was transferred to Rushmore Loan Management Services. I have a credit score over 800 and have never had a late payment.
The website seems to be tailor made for people to make late payments. They say they have automatic payment scheduling, yet when I try to do that, I get a message saying " Not Available. '' When I try to sign up for electronic reminders, there is no actual link : It is a bait-and-switch " We encourage you to also GO GREEN by signing up for paperless documents! Receive email notifications when your statements are ready to view, versus paper statements in the mail. Sign Up Today '' no active link to actually sign up for reminders.
They do not give information about when my payments are due. The website says my next payment is on XX/XX/18, but I've already made that payment and it does not show when the next payment is due. It's XX/XX/18 already.
This company should not be allowed to deal with servicing, they are not capable. Their business model appears to be to make it as hard as possible to pay your bill on time. I am financially literate and I find this difficult, I can only imagine how others navigate this.
Rushmore 's business practices verge on criminal.
|
| 05/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I requested a Forbearance in XX/XX/2020. I was accepted and continued to request assistance through the Pandemic as my business and income was directly affected by Covid -19. In XXXX of 2020 the Forbearance ended, I continued to request assistance, and have since been given the run around, without much assistance or information as to the programs that may be available. I have been in constant contact with Rushmore Loan Management Services , LLC. and their Loss Mitigation Dept. On XX/XX/XXXX I requested again for a Loan Modification and sent a new application into the Loss Mitigation Dept. for review. I have since complied with all requests for new bank statements and all documentation that was requested. I have yet to get an answer just more delay and run around on what is needed. I have expressed over and over that I want to keep my home and that I can make the payments. Please assist me in getting this Modification completed and past due payments caught up. This has also affected my Credit, as they have been reporting to the Credit Bureau that I have been late! Before the Pandemic I was caught up and current on my Mortgage Payments. Please assist me to keep my home. Thank you, Sincerely
|
| 06/18/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I Obtained a conventional mortgage through XXXX in XXXX of XXXX, Mortgage then went to XXXX XXXX XXXX then from XXXX to XXXX XXXX.
While at XXXX, I applied and my mortgage was modified by the HAMP modification program ( unsure of date ). Loan was then transferred to Rushmore Loan Management in XXXX of XXXX.
According to my original loan documents my PMI was scheduled to terminate in XXXX of XXXX. I inquired with Rushmore Loan Management, about PMI termination. During an online chat on Rushmore 's website I was given a PMI termination date of XX/XX/XXXX and was advised to submit a request to the PMI department through Rushmore 's online message center, I did and then received a letter, by mail, denying PMI termination dated XX/XX/XXXX. Reasons listed in the PMI denial letter : " It must be at least two years since the origination of your loan '' and " based on the recent appraisal ... XXXX '' while the last sentence reads " We have been unable to contact you to schedule and/or perform and appraisal of your property '' My complaint is that my original loan documents should take precedent and that my PMI " drop dead '' termination date can not be pushed back due to the HAMP modification.
|
| 09/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Our mortgage was sold to Rushmore by XXXX in XXXX, XXXX. We are victims of Hurricane Laura and suffered extensive damage to our home. We are making timely mortgage payments as we always have and we have never missed a payment nor have we ever been late making a payment. Rushmore Mortgage is refusing to release any funds from the insurance proceeds so that we can get our house repaired. We have submitted every document theyve asked for and to date, we still havent received anything from them. I called on Friday and was told that theyve decided to hold on to the funds until the home is 100 % complete. How is this possible? How is this fair? How is this even legal? They are holding almost {$60000.00} and refuse to send us any funds in an effort to get our home repaired. We are making mortgage payments, and having to pay over {$2000.00} a month for a one bedroom apartment because the house is still not repaired. We have had to get personal loans to get the home in a livable condition in an effort to move out of this expensive cramped apartment! Who regulates these mortgage companies? This is insanity at its best! This situation is like a nightmare that you cant wake up from! Please help us!!
|
| 07/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American, Servicemember |
|
This loan was sold to Rushmore Loan Management Services to be effective XX/XX/18. My account was set up for automatic ACH payments to be made by Rushmore on the 1st of every month. For whatever reason on XX/XX/18, they changed the ACH payment amount, without notifying me, and posted it under XXXX ... ..the dollar amount and the Payee were unknown to me and I stopped payment. Because of all the confusion and their questionable payment methods, that payment was late. From that point on, all payments have been paid by Money Order, as per Rushmore 's instructions. I have been late with a payment but I have NEVER missed a payment! As of the date of this writing, my account is current. They have reported me for missing two payments and that is FALSE. I can account for all of my payments. My account has always had sufficient funds in it to be kept current and in my opinion, Rushmore has mishandled my funds, and has shorted my principal payments by carrying excess funds forward as unapplied funds. They refuse to correct their reporting and acknowledge they are wrong. My Credit Score has dropped from 800+ prior to their reporting down to 600+ with their FALSE reporting. This is unacceptable.
|
| 01/28/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
My wife and I opened a Home Equity Line of Credit with XXXX XXXX NA in XX/XX/XXXX.
In XX/XX/XXXX, XXXX XXXX sold this HELOC to Rushmore Loan Management.
Now, I am trying to obtain a copy of the Loan Note from either party ( Rushmore Loan Management or XXXX XXXX NA. ) XXXX insisted they faxed me this document on 4 separate occasions and that they also mailed it to me. To date, I have received no faxes nor any mail. Today, they ( XXXX ) told me over the phone that they do not have the loan note and never received a copy of it from XXXX XXXX XXXX. They offered to contact XXXX XXXX and see if they can get a copy. I am starting to think they are purposefully delaying sending the documents in an attempt to keep me from refinancing.
XXXX XXXX offers no help whatsoever, only a PO Box that you can write to. Their customer service centers have no information about the loan, nor do they provide any suggestions, other than writing a PO Box in XXXX, Minnesota.
I have been working on collecting this information for 3 weeks and have been continually told by XXXX that they had the info and were faxing it over. Today they've changed their story and said they do not have the document I need.
|
| 11/10/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Rushmore Loan took over servicing of my mortgage and discriminated against me. They refused to honor previous modifications they refused to verify the debt claiming I did not owe it because it was discharged in bankruptcy, Affirmations verifying the debt were inaccurate according to their own filed documents. When I called about the modifications that they were supposed to honor they claimed they were not valid that payments were not received despite the fact the ledger from the previous servicer listed them. They claimed they needed my copies of payments which I sent only to have their employee tell me they did not have to honor it and that if I wanted to keep my home I should learn to pay my bills.
They have recorded the 3 payments for the first modification and 2 payments for the 2nd modification and a letter stating an agreement for a modification from XXXX. The modification payments were never applied to the loan and when a ledger was requested from Rushmore they sent one so small no one could read it they only sent one I could read after they filed for judgment. They have purposely continually discriminated against me despite the fact that I am more than able to make payments
|
| 10/05/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have tried on a number of times in person and via phone to contact this company. Tonight at XXXXXXXX XXXX I receive a call from the XXXX from Rushmore saying that I am late in my payment. NO I am not late. The due date is XX/XX/2018 which has a grace period of 15 days. Thus I am not late. This is called harassment. The woman 's name was XXXX and her number was XXXX XXXX XXXX. She called me for no reason except to harass me.
I am not late in my payment. I have also paid my taxes on the house which they told me they would incorporate but they lied. I met in person with a woman Rushmore. I sent her emails and I called her. She did not have the decency to call me back or acknowledge me. Rushmore is a corrupt company and they lie.
I have asked for a reduction in my balance because it does not make sense that after 12 years of payments to various companies I still owe XXXX. Not only they have no right to call me when I am not even late in my payment but they should tell me that after paying my county taxes why my mortgage is still high more than 600 dollars every month. This company which is represented in the US is actually in the XXXX. Who knows who their so called investors are.
|
| 09/27/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
My wife and I had a loan through XXXX for a few years on our home then they sold it to a new company we have had since XXXX I believe. Our payment then was just less than {$980.00} a month then in XXXX it went down to {$900.00} due to us being caught up in escrow because we were a little behind due to insurance going up and property taxes going up and due to being all caught up on our escrow being caught up and in good standings and now I talked to the company we are with now which is Rushmore Loan Management Services because our house payment got moved up to {$1000.00} from {$900.00} they are telling us that they went up do to projected amount that might be owed next year but we are not behind at all in our mortgage at all. How can a company say that it might be more next year but they aren't sure yet? We aren't behind we are ahead in our escrow, so how can they do this? They also said if we are over paying by XXXX next year they would refund our money then but not till then. Our house insurance gets paid in XXXX every year and property taxes in XXXX every year I believe. Either way we are {$610.00} to the good in our escrow and every month we are paying {$400.00} into the escrow.
|
| 09/14/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I had financial difficulties in XX/XX/XXXX and filed for bankruptcy. I was not able to make the mortgage payments in the agreement and the bankruptcy was discharged XX/XX/XXXX. The Lender Rushmore Home Mortgage LLC proceeded with the foreclosure on XXXX XXXX, XXXX the day before auction I filed again for Chapter XXXX. Through an inheritance I now had the reinstatement amount due of approximately {$130000.00}. I then instructed my attorney to dismiss the case so I could pay back the reinstatement amount due. The dismissal was official XXXX XXXX, XXXX. I immediately called and left a message with XXXX XXXX XXXX regarding the procedure and reinstatement. I have XXXX XXXX emails XXXX/XXXX/XXXX stating, she received my voice mail and " I have requested the fees and costs for the Foreclosure. Once received I will forward. I have attached the wiring instructions to wire the funds. '' XXXX XXXX, XXXX subsequent email from XXXX XXXX states : " the reinstatement will be not completed until XX/XX/XXXX due to the foreclosure fees and costs. '' The next XXXX/XXXX/XXXX email states : I am sorry to say the foreclosure sale date was completed yesterday and the property reverted to the investor. ''
|
| 04/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Our loan was sold from XXXX XXXX to Rushmore Loan Management Services around XXXX. We have always been on automatic payment draft for years and the payment was drafted automatically from our checking account. For some reason as soon as Rushmore Loan Management Services took over the loan ; the automatic payment draft dropped off and they stopped taking the payment out of our account. From XX/XX/XXXX through XX/XX/XXXX we had many various medical emergencies and were under the impression that the payment was taken out automatically without delays. Come to find out in XX/XX/XXXX that they have not drafted the payment since XX/XX/XXXX and they have destroyed and damaged our credit with a 90 day late. We brought the payment up to current status immediately as soon as we found out and have tried to appeal to Rushmore Loan management Services in regards their late payment reporting which is not our own fault. Our complaints fell into deaf ears and Rushmore is not willing to do anything for us to fix their error. We have had our loans in the past sold to various companies and have never had this issue. The automatic payment has always continued to occur upon the transfer of the mortgage.
|
| 07/24/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
On XX/XX/XXXX Rushmore Loan Management Services sent me a notice that my home equity loan amount was being reduced to {$22000.00} citing an increase in my home 's value that they say caused the loan to value ratio to go below 20 %. I asked Rushmore for the math that determined the loan to value percentage that caused this change and for a copy of the appraisal/broker opinion via phone on XX/XX/XXXX, in writing that same day and via their on-line message center. I also messaged them on XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
When I called no one I spoke with could explain the math. In response to each internet message I sent them I received a version of this standard response : Thank you for bringing this matter to our attention, we sincerely apologize for any inconvenience this may have caused.
Your secure emailed message is currently under review. We realize the urgency of your inquiry and we appreciate your patience. We will have a written response to your concerns. Should you have any questions, please feel free to contact our office at Toll Free XXXX, Monday through Friday XXXXXXXX XXXX. to XXXXXXXX XXXX Central Standard Time.
|
| 04/08/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Follow up the complaint - XXXX - closed case Rushmore has responded the CFPB complaint and provided the response letter dated XX/XX/2022 and directly addressed to my name XXXX XXXX XXXX from Customer Correspondence Department and the contact number, is XXXX.
I found that their payoff loan amount is unreasonable - I have attempted to reach out to Rushroom multiple times for the payoff amount ( the contact phone number - XXXX ). They claimed that I am not the authorized person, they can not disclose any data. However, I have received the letter and addressed it directly to my name, " XXXX XXXX '', they claimed that they don't have any record in their file and could not discuss the loan and then hang up my call. ( the conversation was with XXXX XXXX XXXX. So I have no other option to follow up the loan, this is the only way i can communicate the discreprencae loan amount through CFPB.
The total payoff amount is {$200000.00}. However, there is included 1 ) Escrow Advance Balance {$15000.00}, ( I am paying the HOA fee, homeowners insurance, property tax - no outstanding due ) 2 ) Late Fee balance {$1100.00}, 3 ) Property Inspection {$15.00} 4 ) Corporate Advance balance {$1500.00}
|
| 05/15/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
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Recently, I made a payment in the amount of {$810.00} for XXXX bill ( XX/XX/20 ). Apparently, payment got rejected because of a blank check? I send out screenshots from my XXXX bank statement and as well a letter from my bank institution confirming that the payment went thru. Also, it reflects on the Rushmore Loan Management website that they took the payment but the system did not update because the check got rejected? Now when I am trying to make a payment for XXXX it still shows that the XXXX bill is still due and is charging me late fees. Their time response to this matter has been frustrating, specially for people who have been affected by COVID19. I have also received several letters claiming that checks that have been sent forward have been blank checks which I have resolved with my bank institution which I am sure there was a clerical or system error from my bank institution. The letters that have been sent has almost made me feel like a criminal. This has caused me severe XXXX and XXXX in trying to resolve this matter. I really wish XXXX XXXX was still servicing my loan. Rushmore Loan Management has performed poorly in servicing my loan since it was taken over by them.
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| 10/22/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My loan was sold/transferred to Rushmore Loan Management from XXXX.
Since the loan was transferred Rushmore has inflated the owned amount in the loan, have refused to provide payment history and illegal added bogus and unfound escrow amount without any proof or documentation, they simply send letters that all of the sudden I owed them {$5200.00} without any explanations and increased my monthly payments.
In addition, Rushmore purchased Hazzard insurance on my behalf, even though the proof of insurance was provided by FAX, email, and imcovered.com/rushmore as instructed on their letter. It seems that the only goal of this shark company is to push bogus higher fees, inflate the payments with no real proof and force homeowners into foreclosure, this company is nothing but a bully fraudster harassing homeowners.
Please note that my agreed payment is made on time every month, however, I'm refusing to pay the additional amounts Rushmore adds every few months out of thin air.
Rushmore is refusing me to take ownership of the escrow account because this is the only way they can add bogus fees. I keep asking to have ownership and paying my own taxes, but Rushmore has refused to do so.
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| 03/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Problem getting your free annual credit report
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Web |
Older American |
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I would like an investigation for Rushmore Loan Management Services, XXXX XXXX XXXX, XXXX, California and XXXX. Contact number XXXX. Reference Loan Number XXXX. I have issued payments to Rushmore Loan Management Services from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Louisiana and XXXX ; Contact # XXXX. I am reporting this matter due to money laundering and foreclosures of previous properties : XXXX XXXX - Account number XXXX ; property address XXXX XXXX XXXX, XXXX XXXX, LA and XXXX XXXX XXXX Reference loan number XXXX. I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, was sentenced 60 months for money laundering. Members of the congregation was working for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My properties and automobiles was seized due to my previous occupation and employment. I was working for a Federal Agencies and was approached by. XXXX XXXX XXXX XXXX XXXX and he requested a favor from me. The favors were money and grants from the agency. I denied the request and I truly believe this incident have hurt my creditability. Also, he knew employees working for the Federal Emergency Management Agency. The mortgages loans list XXXX XXXX XXXX.
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| 05/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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XXXX complaint was previously submitted. In the response by Rushmore, my home was not in foreclosure. I received the response from the CFPB on XX/XX/2020 in which I responded on XX/XX/2020 that the information they provided was not clear on. I did not receive clarification.
We were given a single point of contact, XXXX XXXX at XXXX. On XX/XX/2020 I telephoned at XXXX XXXX and left a message for him to phone me. On XX/XX/2020 another message was left at XXXX XXXX for him to phone me. Then at XXXX XXXX XX/XX/2020, the postman delivered documents that my home can be sold without going to court.
The documents delivered today were dated XX/XX/2020 and were delivered AFTER my attempts to get details to get this mortgage situation resolved.
I am XXXX XXXX and suffer from XXXX XXXX along with several other ailments. Any type of XXXX causes my XXXX XXXX to XXXX which then causes me to have to seek medical attention. This company is going to cause me to end up in the hospital for their lack of co operation and continued threats of foreclosure and refusal to accept our money. If they had accepted the money we have been attempting to pay them this would be cleared up by now.
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| 06/07/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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My Mortgage is through Rushmore loan management. We are now in mediation. I applied for a loan modification in XX/XX/XXXX which was approved so I started making the payment via verifiable funds ( XXXX XXXX ). For six months I made payments. In XX/XX/XXXX I had to have XXXX and my short term XXXX was declined. So again I fell behind. Now according to them they sent me papers confirming my modification after the 6 months of payments which I never received. Not knowing the modification was not final and falling behind again, I request another modification. Now I found out that the payments I made in XXXX went back to XX/XX/XXXX. Which put me 19 months behind, So of course I tried to work it out and requested a new modification. That was denied so I appealed and it was denied as a FINAL denial. So now mediation. Well at mediation XX/XX/XXXX I was informed that my fixed rate loan was changed to a ARM and it has doubled my payment plus the late fees and repayment plan. Over 3000.00 a month they want. I never like this company and have heard of many people to whom have also had issues with them. They are hard to get on the phone don't return calls and never give you all the facts.
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| 01/20/2021 |
Yes |
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Web |
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My loan was being serviced by Rushmore Loan Management # XXXX. I refinanced into an FHA streamlined with XXXX XXXX who they also service loans for. My loan closing was on XX/XX/XXXX with a right of recession for XX/XX/XXXX. XXXX XXXX wired the funds for my closing out to Rushmore on XX/XX/XXXX. When i looked at my account online it reflected a posting date as of XX/XX/2021, which was incorrect due to the wire being sent on XX/XX/XXXX. I do know that there is a Fed reference number that will reflect the wire transfer and that by law the company is to use this date for receipt of funds. I called and spoke with a manager on the XX/XX/XXXX who stated that the system coming into a new year and they coming back into the office on the XXXX had a glitch and they would be updating the date to reflect the XXXX. Today i spoke with XXXX ( manager in customer care ) who stated i needed to submit the fed reference # which he knew i would not have to get the date corrected. The payoff good thru XX/XX/XXXX that i ordered showed {$320000.00} ; however they were paid {$320000.00} which was the good thru to XX/XX/XXXX. I am due a refund of my difference which this company has not issued out.
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| 09/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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I'm dealing with the deaths of my aunt and my grandmother who both died at the residence XXXX weeks of each other. Both were the main financiers of the mortgage. Although I'm the next responsible adult or the last one living, I fell behind dealing with burying both, in addition to pay off their debts in order to live at the home. I never even heard of who to pay or when or how much. Once I tried to make an attempt to pay what was owed when the mortgage fell behind I called and was told they couldn't accept my payment unless it was in full. I promised that I could pay more the additional weeks to get me even but was denied. As months passed, I tried to reach Rushmore ( previously XXXX ) about information regarding my issues and was told multiple time to contact their lawyer. I did this XXXX and even left voicemail and got no reply from anyone. Emails didn't work also. Now tomorrow I have a court date and I'm afraid of what will happen because I'm honestly at my wits end of it all. I can't find a new place to live until the " foreclosure " is lifted off my credit. My stuff is all in storage. I honestly would like to come to a mutual resolution so both parties can move on.
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| 02/19/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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This is an update from my previous complaint from XX/XX/XXXX. Rushmore Loan Management Services did give me another Single Point of Contact person at the end of XX/XX/XXXX. His name is XXXX XXXX which I spoke with him on the phone XX/XX/XXXX. He was very demanding and had a sarcastic attitude and was asking for the full amount in past payments. Also he mentioned that my rental income wasn't included twice on one of the properties when I applied for a Loan Modification. XXXX XXXX mentioned that I was done and the next time he would only be speaking with my housing counselor on the phone. Then on XX/XX/XXXX I received a XXXX XXXX XXXX envelope at my front door which included a letter dated XX/XX/XXXX from Rushmore Loan Services it was a special Loan Modification offer which I did apply for and I was rejected. I was rejected because Rushmore has a lock on my account and that I can not apply anymore for a Loan Modification which I was told that on the phone XX/XX/XXXX. This is unfair business practices by Rushmore Loan Management Services and the denial was inappropriate. Also my income was taken incorrectly by Rushmore Loan Management Services for the Loan Modification.
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| 01/20/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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Rushmore loan management is my mortgage servicer. I have incurred a large property insurance claim from a tornado impacting my home and rendering it temporarily uninhabitable. Rushmore 's handling of the claim is abusive, resulting in greater than one month of Rushmore holding funds after all documents have been submitted to them before releasing them to me with no compensation in the form of earned interest or offset to my mortgage principle ( for reference, Rushmore is currently holding a material amount funds equivalent to 20 % of my mortgage payoff ). Rushmore has made themselves difficult to reach by routing all customers through an IVR which forces them to listen to pre-recorded account statements for several minutes, at the end of which I may find out they are not even open and they terminate my call. Rushmore has sent a letter claiming I need to submit additional documents before they can release funds to my contractor, but Rushmore 's phone agent said this letter is incorrect and they can release funds ; however they have released less than 1/3 of the funds they are holding without giving any reason or process for me to have the other 2/3 of funds released.
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| 01/25/2023 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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To whom it may concern.
My loan was sold to Rushmore loan management services since XX/XX/2022. I started sending paperwork to them explaining that I am a veteran rated at 100 % VA XXXX XXXX and that I qualify for the Illinois homestead exemption for veterans here in XXXX XXXX. The county honor the taxes but i was told that i need to get the refund from the mortgage company. Rushmore does not want to acknowledge this information or if they are they are not in compliance with this law because they continue to refuse to tell me how much and when i can expect to receive the exemption. They failed to pay my property taxes for the year 2022 and are now keeping from earned benefits. They acknowledge they did not pay the taxes otherwise the county would have sent the check but because no payment from them the county can not do anything but tell me to get the refund from Rushmore. I been fighting them since XXXX for the refund and every time is the same excuse '' they just finished working on it and can't tell me how much or when i will be getting the check ''. I appreciate your attention to this matter in advance and i thank you for your time.
Best regards XXXX XXXX
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| 04/27/2023 |
Yes |
|
- Struggling to pay mortgage
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|
Web |
Older American |
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I settled a mortgage obligation XXXX with XXXX XXXX XXXX XXXX XXXX in XXXX via a promissory note that servicer retained but did not credit. I administratively defaulted them and recorded a lien in XXXX XXXX register of Deeds. One term of my novation is they were not to sell my note, which XXXX did sell to Rushmore Loan Management, LLC of XXXX XXXX, who began trying to collect on a new loan number XXXX I never signed. The statute of limitation to collect on a promissory note in state of Wisconsin is 10 years, which in this case has expired. Rushmore, their lawyers XXXX XXXX XXXXXXXX XXXX and their alleged principal XXXX XXXX XXXX have no license to collect in state of Wisconsin. They prevailed upon a county judge to schedule an unlawful sheriff sale of the property. My bid was higher and yet the judge awarded the property to the bank. Rushmore never produced a real party of interest, POA or evidence of a debt owed, just old mortgage documents. Their CEO, attorneys and trustee failed to appear to subpoenas in US Bankruptcy court in XXXX. Voice-mails left with their attorneys were not returned. They are a totally rogue, outlaw agency committed to stealing homes.
|
| 11/09/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
Servicemember |
|
This file has been going on for a year. The seller has cooperated with XXXX XXXX who advised me that they had approved the short sale while in the meantime they were working on selling the loan to Rushmore Loan Management show is now managing the loan for XXXX. The seller had a veteran in the home that was at 80 % XXXX and since then has become 100 % XXXX. Rushmore has come up with a value via a bogus BPO that is over {$300000.00} the appraised value. Has proceeded in setting a foreclosure dale date WITHOUT even notifying the seller that there is a date, nor by posting the date as notice to the seller or by denying a foreclosure date every time I call in to speak with a negotiator. Rushmore simply refuses to work on a short sale for this client. Forcing a foreclosure with a veteran in the home, causing further stress to the owners even though the sellers have done everything needed to comply with Rushmore 's and XXXX 's requirements for a short sale. This listing was live on XXXX/XXXX/XXXX and has been sold and transferred so no company takes responsibility for a foreclosure with a veteran and now Rushmore is trying to foreclose without notice? Is this legal?
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| 10/31/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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Web |
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Urgent!!! Urgent!!
It is with great fraustration and hysteria that I am asking that you review my file. My house just sold and my attorney was never notify of the sale day. I have recently submitted a loan modification package up dating all my information, for I was not aware of this sale. My attorney 's office after filing documentation was notify that this file had been transfer to four different attorneys. The First attorney was XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX law firm .Please I am now requesting you reach out to Rushmore loan servicer who apparently did not inform me of the sale day. We have no place to go. I had requested a loan modification due to circumstance beyond my control. I lost my job and so did my wife. Shortly after she suffered XXXX due to the treat of eviction. We want our home. I am attaching my financial for review.
We finally were able to get our finances in place and provided such to XXXX loan servicing.. We have made significant cut back to our budget ; eliminating many services to our home to be able to survive this set back. We now receive my pension and my wife social security income.
Kindly confirm receipt of this request.
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| 10/31/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
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Web |
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We requested a payoff of our loan # XXXX from Rushmore Loan Management Services. They sent us a letter dated XX/XX/XXXX showing a payoff amount due by XX/XX/XXXX. We obtained a cashier 's check in that amount and mailed it to them on XX/XX/XXXX, with a USPS tracking number of XXXX. As the tracking number shows, the Post Office lost our payment, but found it and sent it on its way, arriving at XXXX on XX/XX/XXXX. On XX/XX/XXXX Rushmore began leaving telephone messages on our home phone asking that we call them. We were on vacation that week, and did not receive the messages until we returned home on the XXXX. I called them on receipt of the messages and was told they were closed and I would need to call during business hours. On the XXXX I reached them to discover that they claimed our check was deficient, even though it was in the exact amount called for in their letter. They said they had returned the check to us, and are now demanding more money, including late payment fees. They are saying that, because XX/XX/XXXX fell on a Sunday, they could not deposit our cashier 's check. I think their letter should have had some other due date if that was the case!
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| 10/14/2019 |
Yes |
|
- Struggling to pay mortgage
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|
Web |
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I fell behind on my mortgage because of major home repairs that were urgent and mandatory, in order to keep my home in good condition. I applied to Rushmore Loan Management for a modification, so I can get back in good standing with my mortgage. After several months of the process, Rushmore approved me for a payment of {$3600.00}, a payment that was {$1100.00} MORE than my previous payment, AND also asked me for a down payment of {$6000.00} as a condition for the modification.
They asked me before if I had any money for down payment and I told them I did not, yet they still asked me for over {$6000.00}!
I asked them why are they giving me a payment of {$3600.00} MONTHLY, and what calculation they used to come up with that ridiculous payment, on a house in the ghetto, worth under {$20000.00}, and was shocked at the explanation. So, I have a rental property in Pennsylvania, and THEY USED THE RENTAL INCOME FROM THAT PROPERTY, BUT DID NOT TAKE INTO ACCOUNT, THE MORTGAGE PAYMENT AND EXPENSES ON THAT PROPERTY!!
So they used the income and didnt care that that mortgage company for that property should be paid with the income from that property. This is insane!
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| 09/27/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
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Web |
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XXXX XXXX has embezzled our homeowners insurance draft of {$24000.00} that was paid to us by our insurance company for storm damage. We have fixed 90 % of damage with our own funds and the bank has sent inspectors 3 times and has still not released our funds and are playing with our money and emotions for the last two years. Trying to get them to release our funds has not worked and in the meantime they have " sold '' the mortgage loan servicing to Rushmore Loan Management Services and they repeated the above process and not returning phone calls or communicating by mail or email.
This money is being illegally held by the mortgage servicer as it does not belong to them and was specifically for home repair that we had to complete before the bank would release the money. The bank requested detailed invoices and releases of liens from the repair companies that fixed the damage that we paid for. They also sent out inspectors at different times and have not released our funds since the last two years. The fair resolution is that they immediately release the {$24000.00} and pay the costs and interests on this amount. Thanks.
Please help protect the consumers!
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| 01/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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I paid several mortgage payments to my loan servicing company to pay off the loan before the end of XX/XX/2019. My last payoff was {$1900.00} including the loan recording fee of {$98.00}. I paid an additional {$5.00} and a payment of {$1900.00}, just to make sure the interest was overpaid. I called up Rushmore Loan servicing a few days later and they applied the payment to the XXXX payment and put the rest of the money into a suspense account. They told me the next payment is due in XXXX XXXX. I told them the loan was paid in full according to the payoff amount I received. I spoke to many customer services reps and each morning I checked the account, there was a different balance. Rushmore applied all the payments in XXXX to XX/XX/XXXX-XX/XX/XXXX which affected the interest and the escrow. My escrow balance was over {$300.00} in the middle of XXXX and in XXXX it dropped to {$170.00}. Very confusing since I pay the taxes and insurance. I was supposed to have my title in my possession by the end of XXXX XXXX, because I had a buyer for my residence. I called up Rushmore each day, but very little response. The buyer got frustrated with me and went elsewhere.
|
| 12/02/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Rushmore Loan Management never billed me for my mortgage payment. Rushmore became the mortgage servicer after XXXX filed bankruptcy and has been found to have harmed consumers.
Rushmore Loan Management never entered their name in the foreclosure case ( XXXX City Circuit Court case # XXXX ) Rushmore never put their name in my credit report or XXXX City Land Records, but was involved in the foreclosure action of XX/XX/2020 ; but is not in the court docket.
I had communication from Rushmore because the Md. Commissioner of Financial Regulation gave me their name. I wrote letters and called but there was no record of my account.
I received the first billing on XX/XX/2020. After HUD investigated, Rushmore sold the mortgage servicing to XXXX XXXX. Rushmore gave XXXX XXXX a fraudulent Deed of Trust and escrow document. I, the homeowner pay my own property taxes and insurance. It was XXXX that passed the fraudulent documents to Rushmore and now the fraud continues.
XXXX XXXX is returning my mortgage payments because of fraudulent documentation received from Rushmore. I was billed until XX/XX/2020 and there is no arrears according to their billing statement.
|
| 12/18/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
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My mortgage was sold to XXXX XXXX by XXXX XXXX and serviced by Rushmore Loan Management. My previous complaint to CFPB was to be sure that XXXX XXXX sends all my loan modification documents to Rushmore. C Today after sending email, leaving VMs to Rushmore to know the status of my modification, I talked to XXXX who continuously told me that they received only the XX/XX/XXXX package. Which was shocking so I told XXXX that I will be filing a complaint because I had a letter from XXXX XXXX stating that they had transferred all documents. He told me to speak to XXXX XXXX who is my account manager, that he was only reading whatever was on the notes.
Then few minutes later I called XXXX XXXX phone number and was redirected to XXXX who confirmed that they received the XX/XX/XXXX modification transferred by XXXX XXXX and that Rushmore is working on my modification and that XXXX would return my call in next 1 or 2 days.
I had left a VM last week to XXXX, sent her an email this weekend and left another VM this morning. Last week, XXXX ( @ Rushmore ) told me over the phone that XXXX was my account manager. Today XXXX told me that XXXX XXXX is my account manager
|
| 08/21/2018 |
Yes |
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Web |
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Starting on XXXX the XXXX I started requesting a payoff notice to be sent to our title company to sell our house. Every time I am told it will take 24 to 48 hours. I have tried this process over the phone at least 4 to five times over the last two weeks and at l ; east 2 times through the online chat. As well as there is a document viewer on the website I was told I would be able to view the payoff statement every time I try I'm just given an error code. When I asked why I can not view this no one can even give me an answer. This is causing me to have to pay two home payments every month because we are already out of that home into a new one and can not sell without that statement. The title company has everything else they need and we are only waiting on that one document. They are very unprofessional and apparently all of my calls are being answered in a call center in another country every time I ask where I can file a complaint I am given the run around or transferred to a busy line or disconnected on. Today XXXX the XXXX I am being told there system is having technical difficulties after they told me it would be faxed within the hour. Please Help
|
| 07/12/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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Why do you not pay attention? I made a second bank wire on XX/XX/XXXX. They still have not acknowledged receiving my XX/XX/XXXX payment. They have my money and have not applied it to my loan. Their bank XXXX XXXX acknowledge receiving it. And they have reported me " missed payment '' twice until I made two payments in XXXX XXXX. In my first complaint that they did n't respond to and you closed I submitted the three bank wire documents, the one with XXXX XXXX payment, the one with XXXX XXXX payment, and one from XXXX XXXX stating they received the XXXX XXXX payment. Do I have to keep submitting complaints until someone at CFPB does their job? Who do I report you to? I will for the third time upload these documents in this my third complaint because you did n't do what tax payers are paying your salary to do. Make them acknowledge receiving my money apply it to my loan or give it back. If you will read and pay attention to the information on each document will see that there is a wire for XXXX XXXX and for XXXX XXXX and the third document is a response from XXXX XXXX acknowledging receipt of the XXXX payment. Something you and Rushmore refuses to do.
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| 02/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
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|
Web |
Older American |
|
ON XX/XX/2021 MY LOAN WAS TRANSFERED TO XXXX AND THEY PAID RUSHMORE THE AMOUNT OF {$400000.00} BY A WIRE TRANSFER ON XX/XX/2021. XXXX REQUESTED IN SEVERAL OCCASIONS THE PAYOFF AMOUNT FROM RUSHMORE SINCE XX/XX/2021 ; THEY SUBMITTED THE PAYOFF AMOUNT TO THEM AND RUSHMORE NEW THAT OUR NEGOCIACION WITH XXXX WAS SCHEDULE TO BE COMPLETED BY THE FIRST WEEK OF XX/XX/2021. FOR OUR SURPRISE RUSHMORE TRANSFERED THE MORTGAGE TO XXXX XXXX XXXX XXXX KNOWNG THAT OUR NEGOCIATION WITH XXXX WAS FINILIZED. THAT IS WHY I SAID THAT THERE WAS NOT A GOOD FAITH TO TRANSFER THIS MORTGAGE TO XXXX. I PAID ALL INTEREST AT THE MOMENT THIS TRANSFER TOOK PLACE.
THE AMOUNT ON MY SCROW ACCOUNT WAS {$4000.00} ( SEE PARAGRAPH 5 OF THEIR RESPONSE ) ALSO ON PARAGRAPH 2 OF THEIR RESPONSE THEY ARE STATIING THAT THE PROJECTED INTEREST AMOUNT WAS GOOD UP TO XX/XX/2021. IF THEY RECEIVED THE WIRE TRANSFER ON XX/XX/2021 THE PROJECTED INTEREST WAS OVERSTATED FOR 17 DAYS THAT I AM REQUESTING FOR THEM TO REFUND ME. THE TOTAL AMOUNT OF SCROW AND OVERSTATED INTEREST IS {$5700.00}. WE RECEIVED A CHECK FOR THE AMOUNT OF {$3800.00} ; THE REFUND DIFFERENCE IS {$1900.00}.
THANK YOU FOR YOUR SUPPORT.
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| 04/19/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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My husband and I were unaware until XXXX that our mortgage company did not remove title and that they did not foreclose on XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Our bankruptcy was completed XXXX of XXXX, we moved out of the house XXXX and moved to Florida. On our bankruptcy our attorney checked retained to give us a year to complete our XXXX XXXX and have our children placed with other families. We contacted XXXX XXXX who was our mortgage lender to let them know to foreclose on the property. We did not hear anything from them until last year when I learned that they didn't re-title until XXXX. I informed Rushmore XXXX that we had a bankruptcy and provided them with the documentation. I have recently learned XX/XX/XXXX that they are reporting the debt on our credit report and refuse to remove. I filed a dispute and they are being uncooperative.
We need help to remove this debt and also change the date in which we owned the property to XXXX. We were not in the home and it is not our fault that the loan was sold several times and that XXXX XXXX was being sued. We did what we were suppose to do and now they are preventing us from purchasing a new home.
|
| 05/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
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XXXX XXXX in XXXX, XXXX, said they could help me reduce my mortgage payment considerably, lowering the interest rate and possibly eliminating behind payments via a Loan Modification. For over a year, their promises of assistance were wavering. They had me to file what they said would be " fake '' bankruptcies, and they would only be on my credit for two or three weeks. Definitely, this was false. I paid them {$4000.00} and they totally mislead me.
I tried to contact them several times and discovered they were out of business. They scammed ppmany people out of thousands of dollars. ( XXXX XXXX-ADDRESS IS AT THE BOTTOM OF THE PAGE ) ______________________________________________________ Rushmore Loan Management Services XXXX XXXX XXXX, XXXX XXXX RLMS is charging exorbitant interest on the home loan, which was supposed to be a Loan modification. ( {$150.00} for the principal and {$1200.00} for interest. I am a retired XXXX on a very strict budget, and I am also a widow. I need a reduction in my mortgage payment.
_____________________________________________________________ XXXX XXXX, Director XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
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| 09/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
Servicemember |
|
I was trying to make online payment online like everymonth but this month I was not able to do it. I noticed last month that I was place on automatic draft from my acount and this was my second time they adding me in this program. I removed my self from this automatic deduction and when I tried to make this month payment, I was not able and the messasge said to contact customer service at XXXX XXXX XXXX which I had tried for 3 days and I get place on a waiting recorder for 1 1/2 to 2.0 hrs and then all sudenly the call drop. I contact them tru message and they say because I made 2 payment with insufficient money this is why i'm in the block payment. I explained that I had never requested to be on automatic deduction and twice I removed my self from that services. I asked to talk to a supervisor and so far noone has call me. I just want to make my payment on time and not pay any late fee or being late on my payments. I had NEVER missed a payment or been late. This is not my fault but I'm getting penalized by the mortgage company and they do not want to help or work with me on this issuse. I have this loan for over 20 yrs already and never been late
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| 09/24/2020 |
Yes |
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Web |
Older American, Servicemember |
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During the recent hurricane and extreme heat season my home was overwhelmed by a number of electric issues. I care for my XXXX year old mother so extreme heat and ability to refrigerate her medicine is an issue at all times. My electricity went out for a number of days which caused me to have a technician come out to my home. The tech was alarmed to find that my electric wiring was in such a terrible state that he didn't feel safe leaving without doing a major overhaul of the home. The tech claimed that the home was a fire hazard and that any competent inspector would have declined to approve the home for sale in such a state. I explained that home was bought less than 5 years ago and he said the issues would have been terrible for at least a decade. I tried to contact my mortgage company to find out who inspected the home and why they would put my family in this type of danger. Rushmore loan management has refused to provide any info and also has stonewalled my request that I made through legal representation. I feel that as a Veteran the homes that are sold to us should not be a threat to XXXX us or our family.
XXXX XXXX XXXX XXXX XXXX XXXX
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| 08/10/2020 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Older American |
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I pray CFPB will investigate and put this wrongful foreclosure attempt to rest. Please read the attached letter for CFPB and all the documents after.
Rushmore Loan Management Services ( RLMS ) is committing fraud, theft, perjury and extortion, in an attempt to foreclose on my property.
They have neither mailed a certified letter, a phone call, or notice posted on my door every since they acquired the transfer of the alleged debt from XXXX XXXX XXXX who I have complained to the DOJ, FBI and Wa. State Attorney general RLMS violated the Fair Debt Collection Practice Act, Fair Debt Billing Act and countless other laws pertaining collecting debt.
Questions that need an answer 1 - I need to see the Wet Ink Original Note to see if the proper chain of title and endorsements 2 - I want the names, address and phone numbers of the investors that bought the note 3- UCC 9-210 ( e ) ( 2 ) provide mailing address and all assignee or successors 4- Verification and Validation of the alleged debt 5- Did RLMS pay to acquire alleged debt and how much 6- What contract if any must be provided to authenticate alleged debt 7- The amount of debt RLMS claim is owned
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| 03/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I have been trying to get a modification due to a COVID-19 forbearance that I was on for 18 months 2 years ago.. I live in New York. I was told once I came off of forbearance that I would not have to fill out a modification package and that I can get a modification without filling out an application and they asked me what terms that I wanted the excess {$19000.00} from the forbearance that was not paid to be put at the back of the loan then they did the mortgage modification and they told me I had to pay it upfront one lump sum, {$19000.00} which I did not have. so back-and-forth back-and-forth make a long story short they told me to resubmit a modification without putting Covid on it and maybe they would look at it to process it did not happen. I called XXXX they looked over my paperwork resubmitted the modification stated that I am more than able to pay the mortgage modification they work the numbers, their numbers are not adding up. No one will talk. All they do is deny the paperwork was sent in by a third-party XXXX and they still did not consider it. I do not want to sell my house I want to stay in my house I want to start paying my loan.
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| 11/20/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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I was affected by hurricane Matthew, Irma, and Michael. While with the previous servicer XXXX during hurricane Irma I was placed on a disaster forbearance and protection. After the disaster I was in review for a loan modification and I was service transferred to Rushmore loans. On XXXX XXXX I submitted a loan modification application to Rushmore loans. We were then affected by Hurricane Michael and FEMA declared on XX/XX/2018. This disrupted my request for mortgage assistance. On XX/XX/2018 I sent a new application and at that time there was no foreclosure sale date. During the hurricane recovery I was dealing with health issues as I am a XXXX XXXX XXXX XXXXXXXX XXXX veteran who did 2 XXXX in XXXX and sustained XXXX XXXX XXXX.
By the time I was able to call back on XX/XX/18 Rushmore loans told me they were not going to review me due to the foreclosure sale date being set for XX/XX/18.
I disagree for two reasons : First I should be on a hurricane relief status and have foreclosure protection for 90 days from the date of the disaster. Second there should be an exception for them to review what I sent since I was affected by the hurricane.
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| 12/02/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Application, originator, mortgage broker
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Web |
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I filed grievance with the federal agencies regarding the transaction of note with my servicer. They never addressed the mortgage broker fraud and appraisal fraud and the many regulatory and statutory issues that I submitted for their review. All they did was state, they serviced the mortgage properly and any issues with the transaction of the mortgage is to go back to my home builder. My home builder did not do the mortgage which they are servicing as an agent of the mortgage holder. Now they sent a letter of intent to foreclose. They never addressed one issue that I raised regarding my transaction of the mortgage. They failed and refused to do so. As a consumer using the grievance process to try and resolve with them has failed do to their refusal to even address one issue I raised. I have now sent copies of my letter attached to my State Attorney office and the banking regulatory agency of my state for help. I also sent letter to HUD and FTC and CPFB and Office of the Comptroller of the Currency. Hopefully these agencies will be involved to help me as a consumer regarding these serious issues raised and to be addressed to me as a consumer.
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| 02/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Received letter from XXXX XXXX informing that the my mortgage new loan servicer is Rushmore Loan Management, XXXX, California. Letter from Rushmore states that XXXX XXXX XXXX is the new loaner creditor, and Rushmore is the servicer. A second letter from Rushmore states that XXXX XXXX is the loan creditor. Red flag on Rushmore for not knowing who is loan creditor. Also, amounts of loan on Rushmore letter were incorrect. This is a second red flag with Rushmore. I reached out to call XXXX XXXX over the phone and at a location. XXXX XXXX said loan balance shows XXXX and could not view any amounts of loan. Why is the second letter from Rushmore stating XXXX XXXX is the loan creditor if XXXX XXXX is showing XXXX balance? Rushmore is showing too many inconsistencies. I have no choice I have to send my payment to Rushmore as XXXX XXXX could not accept payment with loan showing XXXX balance. My complaint is with both companies, Rushmore for too many inconsistencies with loan amount and not knowing loan creditor, and XXXX XXXX for not reaching out to me with other options than having Rushmore service the loan. XXXX XXXX gave me 2 weeks notification.
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| 10/05/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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My loan # XXXX was transferred to Rushmore Loan Management Service XX/XX/XXXX. During this transition, my ACH payment that I had set up with my previous servicer was cancelled. On XX/XX/XXXX I was contacted and was made aware of this. I made two payments over the phone to bring the account current and gave the representative my account information to set up the ACH drafts again to be effective for the XX/XX/XXXX payment. In XX/XX/XXXX I received another call saying my mortgage payment was 30 days past due. They said the ACH for XX/XX/XXXX payment was set up incorrectly and did not go through. They advised me to go online and set it up in which I did. I brought the account current and set up the ACH draft. On XX/XX/XXXX, I called Rushmore to see about receiving a curtesy removal of the late mark on my credit as it was not my error. The representative assured me that this would done. In speaking to Rushmore today, XX/XX/XXXX, I was told that the request was denied but that representative only noted that the borr requested it to be removed, no notes in regard to what had actually occurred. This late mark was solely in error on Rushmore 's part.
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| 08/24/2023 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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Rushmore Loan Management Services needs to be investigated for illegal loan servicing.
They disbursed Escrow funds out of my account on XX/XX/XXXX for XXXX XXXX / XXXX XXXX. Around XX/XX/XXXX they placed a stop payment on this first check without telling anyone. We have Rushmore on a recorded call stating that it was THEIR mistake as they put the wrong Policy Number on the disbursement check. This caused the check to bounce due to stop payment and a {$35.00} charge was issued. This was Rushmore 's error as stated by both them and the Insurance company. They reissued the check.
BUT THEN, when it came time to pay the insurance company the {$35.00} due to Rushmore 's error, they took or stole it from m
y Escrow Account when it should have been paid from their Corporate funds since this was their mistake and we have that on a recorded call of them admitting that on their end. My Escrow account is now Short and I ha
ve wasted my valuable time dealing with their incompetence 's and expect to be reimbursed for the {$35.00} to my Escrow account and a separate reimbursement for my lost time and troubles. They have mis-managed my Escrow account.
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| 07/11/2023 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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XXXX XXXX was fined for opening up fictitious loans without knowledge of property owners and without appraisals for properties.
I reported that XXXX XXXX and all subsidiaries with attorneys acknowledge fictitious loans were used under identity theft, property title theft and other organized financial activities over years, but did not honor any civil penalty relief, as ordered.
Rushmore Loans explained they can not speak to me by phone and referred me to their attorneys that chose defamation of my character, perjury on court documents, evaded the discovery due process and did not file any actions against known predator fraudster that did not show for any court hearings.
XXXX XXXXRushmore and XXXX XXXX attorneys threats and motions to seize my property all were in direct violations of civil penalty relief.
The attorneys filed they were not able to get any " stipulated agreement '' in direct willful contempt of victims relief for fictitious loan schemes and influenced courts to racketeer and advised me to get an attorney. All these acts of racketeering, avoidance and the contempt of court is verifiable and registered in docket files.
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| 02/24/2022 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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I am XXXX of XXXX heirs to the deed of my deceased mother 's home. Rushmore Loan Servicing initiated a fraudulent loan modification stating XXXX XXXX owned interested in the property. This modification started in XXXX of XXXX. Rushmore more has presented misrepresentations to the Bankruptcy XXXX XXXX South Carolina, XXXX XXXX XXXX XXXX in South Carolina and the XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina. The fraudulent loan modification enabled Rushmore to prevail in foreclosure proceedings based on the validity of the fraudulent document. I have attached documents to aid in the investigation of Rushmore 's intent to deceive and defraud the court to prevail during the court proceedings. There are questionable accounting records. For example, my mother did a loan with South Carolina XXXX XXXX in XXXX to cover her past due balance for close to {$30000.00}. South Carolina XXXX XXXX paid XXXX but there is no record of the accounting. The court case numbers are as follows : Court of Common Pleas ( XXXX, South Carolina ) Case No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina ) Case No. XXXX South Carolina Bankruptcy XXXX XXXX XXXX. XXXX
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| 05/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
Servicemember |
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Our home loan was sold by XXXX XXXX XXXX to Rushmore Loan Management Services in XX/XX/XXXX. Taxes and Homeowners insurance were both escrowed by XXXX XXXX and Rushmore continued to escrow both. Our annual homeowners insurance was due the latter part of XXXX. I contacted Rushmore the beginning of XXXX to see if they had received the bill. They informed me that they had reviewed the Master Policy for our condo association and deemed it unnecessary to escrow our insurance. I was instructed to pay the annual premium that was coming due. A copy of the paid in full policy was sent to Rushmore. Since that time I have contacted Rushmore numerous times to be refunded the monies they were holding in escrow for insurance and to have our monthly premium changed so that it did not include homeowners ' insurance. I am not quite sure if they are just incompetent or if it is a way of keeping and using our money as long as they can, but as of today they are holding all of our insurance monies in escrow and our monthly mortgage payment still includes an amount for the homeowners insurance. I would appreciate any help you can provide regarding this issue.
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| 07/13/2017 |
Yes |
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- Trouble during payment process
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Web |
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I called in to my mortgage servicing company, Rushmore Loan Management, to complain that I have not received any monthly statements for several months. The servicing company advised me that since I have gone through a chapter XXXX bankruptcy, that I would have to send a letter stating that I re-affirm the loan before they will send me statements, that it was a new company rule that went into effectXX/XX/XXXXXX/XX/XXXX. The problem is, the bankruptcy debt was discharged XX/XX/XXXX and I have been getting monthly statements from them with no issues since them. They have just begun to hold my statements hostage as of XX/XX/XXXX. I advised the customer support agent that at the time of the bankruptcy I was working on a loan modification and that I had signed a loan modification agreement, in effect taking on a new loan outside of the bankruptcy and that I have been on time with payments since the new agreement went into effect. The CSR advised that I would still need to send a letter stating I re-affirm the debt or that they will not send me monthly statements. I believe this behavior violates the periodic statement rule outlined in 12 CFR.
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| 02/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My lender, Rushmore Loan Management Services, would not remove my PMI despite my principal balance being less than 78 % of the original home value. I made mailed, faxed, and phone requests in XXXX to have PMI removed. First they stated I had not hit 75 % LTV which was required for loans less than 5 years old. I paid down to below 75 % of the home value over the next 2 months. Then they said my PMI can not be cancelled until 5 years after the original loan of XX/XX/XXXX. I waited and again requested PMI cancellation in XX/XX/XXXX in which I never heard a response. My loan was at about 50 % of the original value at this time. I had made two phone calls to resolve this, but they only ever sent me a generic letter that said my loan needs to be 75 % LTV. Before my final payment in XX/XX/XXXX, I again tried to resolve this issue. In a letter, they acknowledged my loan was 0.4 % of the original home value but they still refused to remove the private mortgage insurance. Now they required a mandatory inspection. Every time I tried to remove PMI, they came up with a new rule. There was never any clarity and they constantly gave me the run around.
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| 06/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX I reached out to my mortgage company to obtain a payoff letter. I was directed to either fill out their online form or email their payoff department. I did both. I was notified on XX/XX/XXXX, that the title company still did not have the payoff. I called Rushmore who claimed they never received the request. I do have proof of the email being sent. I was told they would put in an expedited request and have a manager call me within 48 hours. XX/XX/XXXX and XXXX passed with no payoff nor a phone call from a manager. I called Rushmore on the 3rd and was sent to a managers voicemail. I left a voicemail for XXXX XXXX, who did return my call. He advised I would have a payoff later that day or tomorrow morning at the latest. I was informed by my title company that Rushmore sent over my payoff but with the wrong property information. So they have sent someone else 's personal information to my title company. It is now XXXX XXXX on XX/XX/XXXX and I still do not have a payoff nor have I heard from XXXX XXXX. I am concerned that my personal information has been sent to the wrong person being they sent my person the wrong information.
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| 07/13/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Rushmore has not provided the breakdown of all the payments from the loan as requested the payoff amount they just sent is {$55000.00} higher than the foreclosure judgement amount and this is not the escrow taxes or insurance payments there is no explanation as to the additional costs and it is not included in the judgement award Rushmore to give me the accurate records requested. They denied my modification CLAIMING THAT IT WAS NOT RECEIVED IN A FAIR AMOUNT OF TIME YET THE REJECTION WAS BECAUSE THEY SAID THEY DO NOT DO MODIFICATIONS FOR LOANS IN DEFAULT THE AMOUNT OF TIME MY LOAN IS IN DEFAULT FOR. THEY HAVE BEEN ABUSIVE WHEN I REQUEST INFORMATION I WAS TOLD THAT I SHOULDNT HAVE BEEN SO FAR IN DEFAULT. THAT IF I HAD MADE MY PAYMENTS I WOULDNT BE IN THIS SITUATION AND THERE IS NOTHING I CAN DO THAT IS WHAT I OWE IF I DONT PAY IT THE HOUSE WILL BE SOLD Rushmore does NOT RESPOND TO THE ALLEGATIONS THEY RESPOND TO OTHER ISSUES.
THE JUDGEMENT AMOUNT AND PAYOFF AMOUNT ARE LEGALLY SUPPOSED TO BE THE SAME BUT THEY ARE NOT AND IT IS NOT LAWYERS FEES INSURANCE PROPERTY COSTS TAXES OR ESCROW THOSE AMOUNTS I AM AWARE OF IT IS THE ADDITIONAL XXXX
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| 06/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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|
Web |
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To whom it may concern : I have a complaint against Rushmore Loan Management Services. I tried to modify our mortgage with them and they refused and started bankruptcy proceedings. In order to stop the foreclosure I had to file for bankruptcy on XXXX XXXX, XXXX. Rushmore filed a proof of claim with inflated charges and through my bankruptcy attorney I objected to their inflated charges. We reach an agreement XX/XX/XXXX and it was court ordered for them to adjust the charges that they had originally filed. A second RESPA letter was sent to them XX/XX/XXXX requesting that they follow the court order and fix the charges that were on my mortgage statement. Rushmore responded to that letter and did not correct the mortgage statement as they said they would in their letter. Rushmore continues to charge bogus charges to my mortgage statement every month see attached statement the charges are listed under property preservation, corporate advances, and attorney fees.
I would like to file a claim against Rushmore Loan Management Services for incorrect charges on my mortgage. I have attached files to support my complaint.
Thank you XXXX XXXX
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| 06/22/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I had a voluntary escrow/impound account for the property taxes and hazard insurance. In XX/XX/2019, I split my payment, making my principal and interest payment by the XX/XX/XXXX of each month which meets the terms of my Note and I made my escrow payment before the end of the month and I wrote and explained to the mortgage company what I was doing and why. They have assessed me late charges that are unwarranted.
I cancelled my voluntary escrow account in XX/XX/XXXX, and sent them the payment for the negative balance ; which they have cashed. They have failed to correctly update their records to show the payment due of the principal and interest only on the monthly mortgage statements.
Again, I have called, sent secure emails on their website and have written letters to no avail. Their response time for each piece of communication is unacceptable ; taking weeks or months to respond.
Now they are in my opinion harassing me, by sending notices stating that I am delinquent when in fact I am not. Again, the escrow account was voluntary and the payments were made before the end of the month, no late charges should have been assessed.
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| 01/14/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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Web |
Servicemember |
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XXXX ACCT # : XXXX RUSHMORE LOAN MGT SERVICES LLC I have been trying to close this acct for 4 months, receive the Lein, and have the HELOC reported as Paid in Full to the credit bureaus. The attempts have been made verbally, faxed in and submitted their Equity Line of Credit Change Form 3 Times having written 3rd Request in Red on the last form submitted.
I called the company on XX/XX/XXXX and s/w a HELOC customer service rep and repeated the above scenario. I told the Rep that if the HELOC was not closed, I would report it to the CFPB. The Rep stated he s/w the Payoff Dept and I would received the cancelled Lein advising the closed HELOC within 3 - 5 Business days. As of yet, I have not received anything other then another letter requesting I once again, complete the Equity Line of Credit Change Request Form.
Per the attached, you will see a Zero Balance and Credit of {$75.00}. The credit was to be applied against their {$74.00} Recording Fee. The funds were submitted to Rushmore via Bank check ( XX/XX/XXXX ).
I have never received such poor customer service and the run around in trying to get this reported as Paid in Full.
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| 03/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX ( incorrect date on letter but see fax receipt confirmation ) I sent a fax to Rushmore requesting my PMI to be canceled based on my house appreciation. Rushmore replied explaining that my loan to value had not reached 80 %.
On XX/XX/XXXX I sent another fax to Rushmore explaining the value of my house now is {$230000.00} and by balance is {$160000.00} putting my loan to value a little over 70 %. Rushmore replied with the exact same answer explaining that my loan to value had not reached 80 %.
On XX/XX/XXXX I sent another fax to Rushmore explaining explaining the value of my house now is {$230000.00} and by balance is {$160000.00} putting my loan to value a little over 70 % and asking the steps I needed to take to have my PMI canceled. Rushmore replied with the exact same answer explaining that my loan to value had not reached 80 %.
on XX/XX/XXXX I sent another fax to Rushmore explaining explaining the value of my house now is {$230000.00} and by balance is {$160000.00} putting my loan to value a little over 70 % and stating that I expected them to present me with options or steps to take to have my PMI canceled.
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| 11/09/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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|
Web |
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Rushmore tried to sell our home on XXXX XXXX, 2015 and we were forced to file a bankruptcy to stop the sale. We have been trying to get help from them since the loan was transferred from XXXX XXXX XXXX to Rushmore. However, they will not open a review for assistance because they claim that they have reviewed us for assistance XXXX times already and they wo n't do it any more, but they have NEVER reviewed our loan for assistance. Unless they did it on their own. We are now in a situation where they are going to take our home away, even though we qualify for assistance through government programs. Our bankruptcy will time out at some point and Rushmore is unfairly trying to take our home away. Even if we did go through the process years ago, our finances have changed and we are in dire need of getting our loan back on track. Rushmore is not even allowing us to send in a package for assistance review because they say that our loan has been reviewed three times. We do n't think so. I am XXXX and my wife works, but does not make that much money to keep us from assistance. Please help us get into a negotiation with them. Thank you.
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| 09/27/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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|
Web |
Older American, Servicemember |
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My home equity loan was sold by XXXX XXXXXXXX XXXX to Rushmore loan management services in XXXX, CA. in XXXX of this year. On their first billing Rushmore billed me {$50.00} each for annual fees for the years XXXX and XXXX. I told them that these fees had been paid to XXXX XXXX on a timely basis. They asked me to show proof. The only proof I have is that I was not dunned by the bank for. this payment. I told them repeatedly to talk w/XXXX XXXX on this matter. Surely they have proof since these payments were drafted from my checking acct along w/my monthly payments. They apparently have not talked to XXXX XXXX. I have made my first payment to Rushmore, including the {$100.00} in dispute for fear that not doing so would harm my credit rating. I would like this amount to be refunded. It appears to me that the subject of fees was overlooked by the parties in the negotiations concerning the sale of the mortgages.It is my position that XXXX XXXX collected the fees ; how they processed them, or applied them is their business, and not mine. My sole obligation was to p [ ay the fees, which I did.
Acct. # XXXX XXXX and XXXX XXXX
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| 11/07/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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My loan servicer was XXXX, I mailed in three payments, 1 in XX/XX/XXXX & 2 in XX/XX/XXXX- as far as I am aware only 1 of the 3 payments was debited and applied to my account. I am not sure, bc I have received contradicting letters, as well as contradicting information on the phone. I received a letter dated XX/XX/XXXX stating that my loan was being transferred to Rushmore. Since being transferred, XXXX advised me that I do not need to worry,XX/XX/XXXXpayment will apply & a delay was common. To date, I have received no checks back & no payment was applied that I know of. Th new servicer told me to contact XXXX & XXXX told me they no longer had my file & to contact the new servicer. I had also contacted the new servicer on several occasions to enter into a repayment plan- for the months that were becoming past due ( not including the months for which I sent payments in for ). They were going to send me a packet for repayment options & told me to either send the payments in again or wait to receive them from XXXX. I have now received a notice of Default & to Foreclose from the new servicer & no packet, no assistance options.
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| 06/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Rushmore Loan Management Service in the following account fraudulently claimed to pay my XXXX XXXX insurance through a mandatory escrow account.
Loan Number XXXX Borrower XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX CA XXXX I have just confirmed this with XXXX XXXX and confronted XXXX XXXX with Rushmore today, but they refused to answer any questions in writing.
Insurance policy in question : due " Before : XX/XX/XXXX '' XXXX XXXX Policy # : XXXX Policy Description HOMEOWNERS POLICY Location XXXX XXXX XXXXXXXX XXXX Bill Detail Coverage Period XX/XX/XXXX - XX/XX/XXXX Total Amount Due {$2200.00} Rushmore 's Evasions today : " XXXX PM XXXX XXXX I suggest to call our insurance department directly at XXXX to verify the status of the insurance payment. '' When I insisted on a written response and warned that I would file a CFPB without such : " XXXX PM XXXX XXXX I'm really sorry but as much as I would like to provide you the information you need, I can't as I don't have the complete access on it. '' Rushmore soon thereafter closed the communication : " The operator has ended the chat. Thanks for contacting us. ''
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| 01/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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I own a condominium and my HOA pays for the homeowners insurance. I have a mortgage with Rushmore Loan Management Services , LLC. On XX/XX/XXXX Rushmore sent me a letter requesting a copy of my condominium master insurance policy. On XX/XX/XXXX I sent them a copy by fax ( 3 times ) and by mail of this insurance policy and also my HOA sent them a copy. On XX/XX/XXXX I call Rushmore to follow up and they confirmed receipt of insurance policy, they told me they got it.
This corrupt and fraudulent company, Rushmore, keeps sending me letters requesting this same insurance policy and is harassing me saying that they will buy insurance and I have to pay them {$690.00} because they have not received the copy of my HOA master insurance policy. On XX/XX/XXXX I just got another letter with the same harassing words demanding proof of insurance or to pay them {$690.00}. On XX/XX/XXXX I call them to find out what is going on and they put me on hold for hours, then transfer me from person to person, then they just hung up.
This has been happening with this company every year, and I have no choice but to seek for help with the CFPB.
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| 12/01/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
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Dear Sirs, My complaint is regarding my Loan Mortgage Service Company ( Rushmore Loan Management Services ).
We applied to the Forbearance Plan under the CARE Act for the COVID-19 Pandemic.
We were approved for six months. We are now applying for the Extension Forbearance Plan for three more months, due to still being unemployed.
When the process to apply for the extension began, our Mortgage Company requested several documents like bank accounts statements, proof of unemployment, etc. which we provided immediately. Several weeks passed and never received an answer until we started receiving letters from the Loss Mitigation Department, in order to avoid Foreclosure.
We had to borrow money to pay at least one month to avoid th
e Foreclosure process.
We think that it is unfair the way they are treating us. We are in the middle of a Pandemic and as you know we have the right under the CARE Act to be helped from our Mortgage Company to be able to keep our house.
They are charging us late fees, they are reporting us to the Credit Bureau us delinquent payment. Our credit score has been seriously damaged.
Please, help!
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| 12/20/2018 |
Yes |
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- Trouble during payment process
|
|
Web |
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I paid my mortgage to Rushmore Loan Management every month on time and then XXXX comes around and they said my check was returned. I sent them a copy of my bank statement showing them it did not get returned and then they went on to tell me its from a missed payment from previous company before my loan transferred to them.I think it's downright wrong to make my current payment ( XXXX ) returned due to something from previous company, which that was not even true. but yet and still I made a payment while they look over proof that I did not miss a payment with them either. So I made 2 payments. 1 for XXXX and one for XXXX. In XXXX I still had no answer so they again asked me for proof. I called previous mortgage company and they said there was no missed payments. So In XXXX I sent them over Every statement showing auto draft of mortgage payments from XX/XX/2018. NONE MISSED!! Now we are almost at XXXX and they have still not fixed my payment history nor taken off the fees they said will be removed once I proved my payment was not missed! They are still requesting me to make 2 payments to cover the payment I NEVER MISSED!
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| 04/12/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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Web |
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In XX/XX/2007 we file bankruptcy. we reaffirmed on our home loan threw XXXX are attorney had are APR Modified under reaffirmation to 7 % that XXXX said was a fixed rate. If we paid on time every month it would drop 1/4 % to a cap of 5.5 %. Are loan was at the 5.5 %. our payments were {$560.00} a month as of XX/XX/XXXX. At the end of XX/XX/XXXX XXXX sold our loan to a company called Rushmore we received a bill end of XX/XX/XXXX that said if we paid before a certain date to pay beneficial then every payment there after was to be made to Rushmore. It was stated that everything would stay the same. we paid XX/XX/XXXX and never received a bill for XX/XX/XXXX. I called Rushmore and they stated that they did not have to send us a bill because we are still in bankruptcy. They told me our payment was now going to be {$950.00} a month and our APR is at 9.48 % They stated to me that they can do what they want with our loan because they now own it. I contacted XXXX at XXXX I was told that nothing should have changed. Rushmore will not provide us with any documentation of why they think they can go against our bankruptcy agreement.
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| 04/12/2020 |
Yes |
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- Trouble during payment process
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Web |
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My account was sold from XXXX XXXX to Rushmore XXXX XX/XX/XXXX. Prior to this transfer, I contacted Rushmore in XX/XX/XXXX to explain that I was being assisted through the Hardest Hit Fund for mortgage payments. I was told that there was nothing to do at that time because there was no loan number to research and that I would be receiving a welcome packet with the loan number. In XX/XX/XXXX, Rushmore was still unable to provide any assistance due to the account not being transferred to their office. In XX/XX/XXXX I started to receive foreclosure letters, approximately three in total when I was advised by Hardest Hit that they were in contact with Rushmore and was awaiting documents from their office to resume payments.
I would like this harassment to stop immediately. This is the beginning with a new servicer and I am extremely stressed that this is starting to be a repeated pattern as before with XXXX XXXX XXXX.
Hardest Hit emailed me an update on XX/XX/XXXX, that my loan will be brought current on XX/XX/XXXX in the amount of {$1900.00}. According to Hardest Hit, this confirmation was also sent to Rushmore XXXX.
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| 05/09/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We have an insurance claim that was paid & damages were completed in XXXX of XXXX for {$30000.00} for our roof.
The roofing company has completed the work they have received 2 disbarments of payments, the final inspection has been completed since XX/XX/XXXX.
We have given Rushmore Mortgage Company all the documents they needed EVERY month we certified mailed and emailed them to them ( the same documents over & over ). They have dispersed some of the funds and every time we call it is a new issue they make up as to why they haven't released all the funds. They have received every document necessary, the job has been completed since XX/XX/XXXX.
They still owe us over {$25000.00} The insurance company released the funds to get the house fixed and Rushmore has made it impossible for any of the parties to get paid. I have contractors threatening me that they are going to put a lien on my house & I am going to get lawyer fees because the accounts are almost a year old.
Rushmore has made this process very difficult for me as the homeowner and for all the contractors involved that have completed the work the house needed.
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| 11/11/2020 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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I sent a certified letter requesting a full accounting of my loan from conception XXXX XXXX to current date. I asked to know where my payments are posted all fees and other charges and why there is a additional {$10000.00} added to my loan with no breakdown and why on my statements am I being overcharged for escrow and property taxes? I need a full accounting to see what is really being applied and where. The last time my attorney asked they gave a partial accounting but I cant see where they got their numbers if its only a year or two. Also I need it to be legible and readable not in microscopic print when the printer is run out of ink. I have had several servicing companies so I am very concerned about miss management of my payments and late fees charged when I sent my payments certified every month but the servicing company holds the check for 10+ days before cashing.
What I would like is a Legible readable accounting of my loan with all breakdowns of expenses, payments posted, taxes, insurance and other charges and why is there so much money being put into a unapplied funds column that just seems to disappear.
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| 10/04/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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This is a follow up on complaint # XXXX.
After multiple attempts ( phone calls and faxes ) to get a pay-off letter from Rushmore loan services, and get them to release my loan, I sent a certified letter clearly asking for the release of my loan to be sent to the recorder of deeds ( I paid the fee via credit card to their manager XXXX on the phone on XX/XX/XXXX ). I received a follow up letter via fedex to my old address noting that they are responding to my inquiry as of XX/XX/XXXX, and advising me that XXXX XXXX owns my loan.
I also received a letter via regular mail that was forwarded to my new address, saying they received my inquiry as of XX/XX/XXXX as to the status of my loan, which is XXXX balance due. No kidding. I asked for a payoff letter and a release many times, starting on XX/XX/XXXX. It is now XX/XX/XXXX and this basic servicing function has not only not been done, but Rushmore seems baffled as to what the question is.
I don't know who XXXX XXXX is and I don't care. I want my loan released immediately, I want Rushmore to pay my escrow fee ( see complaint # XXXX ) and I want to be done with this.
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| 03/23/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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As a victim of identity theft, fictitious loan schemes, I am entitled to victim civil relief fund Consumer Financial Protection Relief 12 CFR Part XXXX Docket CFPB XXXX XXXX XXXX XXXXXXXX XXXX Consumer Financial Civil Penalty Relief Fund Billing Code XXXXXXXX XXXX XXXX XXXX with Rushmore Loans opened up fictitious loans against my property under identity theft, deed fraud, and without my knowledge, without my authority and without my consent, under fraudulent identity theft, fictitious loans.
The loans were taken, with the aid of government employees, that knew the loans were being placed on property without any legal authority, protocols or safeguards.
The loans have exceeded over {$350000.00} and Rushmore Loans has responded that these fictitious loans can unlawfully seize my property.
The Rushmore Loans company has facilitated fraud by ignoring claims of identity theft that has been confirmed with evidence showing the facilitation of fraud by dozens of parties that used government resources, government employees and government facilities to gain and benefit of fictitious loans, and equity skimming schemes.
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| 08/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XXXX of 2019 my loan was sold to XXXX loan servicing by XXXX XXXX. Since being with this new servicer, the handling of my loan has been to say the least a disaster. I am in a HAMP incentive repayment program which was never handled correctly, and my loan payments have been misapplied. I was also advised by a supervisor in the United States that I could make a partial payment as there was money sitting in suspense that could be applied to principal. Other staff members of Rushmore took it upon themselves to reverse all this and to make a further disaster of my loan activity. Rushmore is now reporting me incorrectly 30 days late to the credit bureaus. I have tried more than multiple times to resolve this problem. Each time I call and speak with a supervisor I'm assured that I will have no negative credit reporting and that the problems are being fixed. They are not. The only person that tried to help me that is employed by Rushmore is a woman named XXXX in XXXX customer service. She assured me to send a secured message to Rushmore asking them not to report me as incorrectly delinquent and yet they did it anyways.
|
| 05/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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Rushmore is falsely reporting information to the credit bureau regarding a Loan Modification as of XX/XX/2021 and we never requested a Loan Modification. They are negatively impacting our Credit Scores due to this false accusation and misrepresentation on all 3 Credit Bureaus! We did not request a Loan Modification under COVID-19 and have been paying our Mortgage bill every month before 30 days. We have never requested a Loan Modification for XXXX XXXX during COVID-19 and this is a form of Discriminatory practices against XXXX XXXX American Homeowners who are attempting to Refinance their homes. They always attempt to block XXXX XXXX Americans and negatively impact their credit and we are submitting this complaint to have them remove the FALSE Flag they have placed on my husbands credit file as of XX/XX/2021 and my credit file as well! This is pure Greed and Discrimination exhibited by Rushmore Loan Management Services. You have no right negatively impacting our Credit scores and we did not request a loan modification under COVID-19 nor did we sign any agreement or paperwork requesting this falsified request!!!!
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| 01/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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In XXXX XXXX my mortgage was sold to Rushmore Loan Management. Since then I have made payments on XX/XX/XXXX and XX/XX/XXXX, of which, Rushmore states they have not received. I have provided them electronic transfer numbers as well as " Confirmation of Funds Transfer '' letters from my bank ( XXXX XXXX ), on numerous occasions, confirming they have received the funds and when the funds were sent. Rushmore keeps calling stating that they have not received the documentation nor the payments. They also state that if they do not receive a payment from us, we will go into default and will have negative reporting on our credit.
Rushmore only allows you to fax the proof, and then claims they never receive. Surprised that they do not offer a more 21st century method of providing this information.
For a servicer as large as Rushmore, they really need a better solution to their accounting of monies received.
I have never missed or been late on a mortgage payment, and this is extremely frustrating that they can not seem to resolve the problem. It is companies like this that give the mortgage industry a bad reputation.
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| 12/09/2021 |
Yes |
- Debt collection
- Mortgage debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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Acting by authority of Title 15 USC 1635 ( a ), and 12 C.F.R. 226.23. On XX/XX/2021 I sent Rushmore Loan Management Services LLC ( Rushmore ) via certified return receipt mail ( XXXX XXXX XXXX XXXX XXXX ) my RIGHT OF RESCISSION Notice, and AUDIT TRAIL Request/Demand pursuant to 12 USC 5561 ( 4 ), and 15 USC 1692 ( g ) validation of alleged debt ( see attachments ).
Their response, ... ( Rushmore refutes all assertions of any invasion of your privacy, or abusive, or unfair debt collection practices. Other information you have requested does not relate to the servicing of your loan or identify any specific servicing errors, is considered proprietary or confidential, isoverbroad, unduly burdensome, and/or not required to provide. ) does not satisfy the obligations associated with congressional law 12 USC 5561 ( 4 ) is non-compliant and violates my consumer protection right to rescind ; investigate, validate, understand and know that mandatory material disclosures were in fact delivered in this consumer credit transaction pursuant to 12 C.F.R. 226.23 ( b ) ( 1 ) ( I ) - ( v ). At present no such evidence exist.
|
| 07/19/2019 |
Yes |
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- Struggling to pay mortgage
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|
Web |
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I have made payments that were not applied to my Mortgage and loan modifications which in turn caused the me to be considered to have defaulted on the agreements I have requested that XXXX XXXX XXXX Such and XXXX and XXXX to show me where the payments went. Not XXXX of the Servicers showed where the payments went and they foreclosed and sold the house and are now trying to evict me. The only verification I have received was a print out of payments received by XXXX which show payments that were received but not applied to the mortgage principal. They claim that the balance was {$120000.00} as of XX/XX/2010. They show payments received after that date yet they did not come off the principal and they show I did not default on the modification. They also don't show an XXXX payment they received. XXXX claims they have repeatedly verified the debt yet they show NO PROOF OF WHERE THE PAYMENTS WERE APPLIED NONE. All they do is claim I have supplied no proof yet i repeatedly supply it. I HAVE ONCE AGAIN ATTACHED PROOF OF THE PAYMENTS RECEIVED WHERE IS PROOF THE MONEY WAS APPLIED TO MY MORTGAGE TO MY MODIFICATION!!!!!!
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| 03/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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As a victim of identity theft, fictitious loan schemes, I am entitled to victim civil relief fund Consumer Financial Protection Relief 12 CFR Part 1075 Docket CFPB 2013 XXXX XXXX XXXX XXXX Consumer Financial Civil Penalty Relief Fund Billing Code XXXXXXXX XXXX XXXX XXXX, with XXXX XXXX opened up fictitious loans against my property under identity theft, deed fraud, and without my knowledge, without my authority and without my consent, under fraudulent identity theft, fictitious loans.
The loans were taken, with the aid of government employees, that knew the loans were being placed on property without any legal authority, protocols or safeguards.
The loans have exceeded over {$350000.00} and Rushmore Loans has responded that these fictitious loans can unlawfully seize my property.
The Rushmore Loans company has facilitated fraud by ignoring claims of identity theft that has been confirmed with evidence showing the facilitation of fraud by dozens of parties that used government resources, government employees and government facilities to gain and benefit of fictitious loans, and equity skimming schemes.
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| 02/27/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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Loan was transferred to Rushmore in XX/XX/XXXX and the escrow account maintenance resulted in a payment shock without advance notice, causing potential under billing and balloon payment due at maturity.
Facts : Account XXXX was transferred from XXXX to Rushmore in XX/XX/XXXX Upon transfer Rushmore did not acquire evidence of borrower 's homeowner insurance ( HI ) and factored HI payment in escrow calculation On XX/XX/XXXX, borrower provided evidence for homeowner insurance with no gap Starting in XX/XX/XXXX, Rushmore lowered the total monthly payment due by {$15.00} Harm : Rushmore -under calculated principal and interest monthly due amount upon transfer -improperly made the assumption that homeowner insurance was missing -when borrower provided evidence, Rushmore did not adjust monthly principal and interest payment due but kept them at the under calculated amount -the result is borrower had a payment shock without advance notice and keep being undercharged month over month -the loan would have taken longer to be paid off and if borrower do not overpay there will be a balloon payment due at maturity date
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| 03/06/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
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We applied for a modification from Rushmore Loan Management Services, and we heard back from them, with an approval that we do not understand.
The approval is asking for {$7000.00} down, we are fine with that. But our monthly payment would be {$3500.00}!!!
We did not understand how is it that they think we could afford a monthly payment of {$3500.00}, cause we did NOT submit that kind of income to them, cause it simply does not exist. Our gross income is approx {$8500.00}, and our take home is way less than that. So there is no way our income could support a {$3500.00} monthly payment.
We called in for it to be explained to us, as to where do they find that we can afford such a payment, and the agent we spoke with, could not explain. All he said was that the bank used the income we sent in, but thats a lie, cause we did not submit income of over {$10000.00}. So we actually have no answers and we are confused.
Im guessing they may be trying to use rental income from a property thats being foreclosed on, with mortgage payment of {$1500.00}, and there are NO TENANTS! Property is being foreclosed on.
|
| 06/18/2023 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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I have sent all documents for the initial hardship from & during XXXX and why we needed a hardship. our current situation, we have been trying to make a payment since XXXX of XXXX, Rushmore took the payment then returned it, they also told us we were approved for the modification last year but then denied payment when the payments were supposed to begin- we have been trying to make payments, trying to get our mortgage figured out, all the while both Rushmore and XXXX XXXX have denied any payments to be made, & Rushmore strung us along since XXXX even though they said the 18 months of Covid relief would be put on the back end & the balance would be resolved for relief purposes under the CARES ACT. It wasnt & is now included in the balance & appearing in my credit. All we want to do is pay our mortgage, Rushmore put us behind by not honoring our contract that we agreed, signed & notarized. Which I can send a copy of also. This account should show current due to the status being under a loan modification for XXXX relief & forbearance which was never reported on behalf of my self & XXXX XXXX credit report.
|
| 11/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
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On XX/XX/XXXX at approx XXXX XXXX I received a voicemail from XXXX from phone # XXXX. She said she was calling on behalf of Rushmore Loans and asked to patch me through to a loan officer to discuss lowering my mortgage payment. I was transferred to XXXX who went over my options. My complaint is that XXXX was very aggressive in trying to get me to submit an application so he could run my credit.
If Rushmore listens to the recording they will hear me say no less than 5 times that I have to speak to my husband first. He challenged me and wanted to know why I had to speak to him. I told him that we both have XXXX Fico scores and we don't just run our credit. XXXX insulted me by saying XXXX FICO scores don't exist and continued to talk over me even after I told him that I was a retired banking professional and I spoke his language.
I am REALLY concerned that the average consumer would just give into XXXX aggressive unprofessional behavior and submit an application when they really don't want to. As a retired banking professional I know that what XXXX is doing is not in the best interest of ANY consumer.
|
| 09/16/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
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|
Web |
|
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I filed for Bankruptcy to save my home in XXXX of XXXX. I began making my current payments my arrear payment which was apart of the agreement I made in my bankruptcy agreement. But when XXXX hit us in XXXX of XXXX I like other homeowners had a reduction in income. And although, I was strugglng, I still made some payments to both my trustee and the servicer of my loan. In XXXX of XXXX my bankruptcy was dismissed. I tried for a Loan Modification and was permanently denied in XXXX of this year. My State of NJ through the ERMA-HAF PROGRAM was willing to help me but because of the re-instatement amount which I am disputing I was denied. On 3 occasions I have request via fax which I was instructed to do by represenatives of Rushmore Loan Management to prove my dispute a 1 ) Proof of Claim & 2 ) The Owner & Servicer of my Loan. My last request was today XX/XX/XXXX with XXXX from Rushmore. I am including for your review documents that states that the {$6000.00} dollars I paid to Rushmore Attorney in XXXX of XXXX was put toward the same arreas that are listed on the Re-Instatement as still being outstanding.
|
| 03/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
We have attempted several times to get information on the following issues : 1. Payoff on the property 2. Cancellation of Escrow 3. Who is the lender or lienholder 4. Remove Second mortgage We had an attorney to do reserch on the second mortgage and it was found that there is not one. Nor is there any paper work to support this. We have been trying to get this matter corrected for over 10 years and still not one will explain how this happened. We want a payoff on the property but for whatever reason we are unable to get it we have reach out by phone and email and we continue to get messages stating that they are working on it. We ask for a cancellation of Escrow we filled out the neccessary forms and submitted them but their reply was we are unable to cancel the Escow because of the second mortgage. We do not have a second mortgage on the property. We also have reserched and found out that the property is in a Trust and we are trying to contact them by email with no response. The Servicer Rushmore did not give us any information about the lien holder we had this researched that is how we found out.
|
| 07/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
Addition to previous complaint All Rushmore say they need 30 to 45 days to research a complaint also now being told that submission of a mortgage modification will not stall foreclosure when they have been saying all along it would. So now turning in a modification pkg while it takes them another 30-45 day to review that also they could still sell our house also will not provide a one on one loan processor customers cant talk to processors you just get whoever answers the phone.
I have no trust in this company I am afraid everyday what they might will or not do it is affecting my home immensely.
My husband is a XXXX veteran I am fighting a medical issue which was reason for default in first place then covid hit I am scheduled for medically necessary XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I am on unemployment and we have no where to go the least they can do is a trial modification period or a forebearance.
They lack compassion, Customer care is horrible, they lie, threaten and bully you never get off of a call or receive something in the mail that gives you any hope.
XXXX and XXXX XXXX
|
| 07/21/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Under Note XXXX, XXXX XXXX " Vice President '' executed a signature representing Rushmore Loan Services , LLC, its appointed attorney-in-fact recorded on my mortgage deed on property:XXXX XXXX XXXX , XXXX , PA XXXX.
Without recourse, XXXX XXXX XXXX XXXX, not in its individual capacity, but solely as trustee for the RMAC Trust, Series XXXX, by Rushmore Loan Management Services, LLC.
XXXX XXXX deliberately misrepresented his employment and affiliation by executing a recorded document for XXXX XXXX XXXX XXXX & Rushmore Loan Services, LLC. Both companies accepting this transaction to take place without any regard to the law.
After thorough discovery, XXXX XXXX is affiliated with XXXX XXXX both parties affiliated with XXXX XXXX XXXX XXXX XXXX XXXX : Executive Director - XXXX XXXX XXXX Name : XXXX XXXX XXXX Dates Employed : XX/XX/2008 Present Employment Duration:9 yrs 10 mos Location : XXXX/XXXX XXXX Area Please note : I have all verifiable documents in a secure area as proof of my complaint. In addition, on this recorded executed document the loan number is sanitized in black ( unverifiable ).
|
| 10/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
I received a modification from Rushmore on XX/XX/2021. I didn't pay the XXXX mortgage but called the modification department 4 or 5 times to ask if I needed to pay the XXXX Mortgage. I was told by each representative that I clearly didn't have to make a payment since my trial period would star in XXXX. I was also told that I wouldn't receive any credit reporting on my credit report until XXXX. I then received a letter from Rushmore on XX/XX/2021 that loan was being transferred to a new mortgage company XXXX as of XX/XX/2021. I paid the first trial period payment on XX/XX/2021, before the loan was transferred in accordance with the Trial Period agreement. Just this week after my loan has been transferred Rushmore reported me 60 days late on my credit report. I filed a dispute with XXXX and Rushmore refused to change the reporting even though I honored the Trial period and paid the first payment timely. At the time I was not behind on my mortgage when I received the modification. I would like this removed especially since it was told I didn't have to pay XXXX and my trial period started in XXXX.
|
| 09/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Older American |
|
I requested a payoff of my mortgage. I was refinancing with a new company at a reasonable interest rate and receiving a cash back amount.
Current - Rushmore Mortgage- My interest rate now is 9.93 % The payoff came on XX/XX/XXXX and it included XXXX as short interest. I inquired as to what this was. I was not given a report or letter on what this is.
XX/XX/21 Requested in writing of a detailed report for this amount.
XX/XX/21 Receipt of acknowledgement of my request and it would take 30 days to get a response from them.
XX/XX/21 called and was told it would be sent out that day ( Friday ) or on Monday.
XX/XX/21 Called and requested the information again. I was told it would be sent that day.
XX/XX/21 ( dated letter ) Received a letter with the corporate fees listed. ( I did not request this ) XX/XX/21 Called to request the correct information and advised they sent information I did not request.
I can not get my interest rate reduced from Rushmore.
I have stopped my refinance because that amount is greatly increasing a new loan.
The payoff is XXXX as compared to XXXX with short interest
|
| 02/18/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I found out my house is set for a property foreclosure sale XX/XX/2020 recently by someone coming to my house asking to buy my house. I filed bankruptcy to keep my house from being foreclosed a few months ago. I did not get a foreclosure letter from the Foreclosure attorney XXXX XXXX XXXX or Rushmore. I sent documents and request for mortgage modification to Rushmore my mortgage servicer. Contacted Rushmore XX/XX/2020 spoke to XXXX, ID # XXXX asked what was the status of the modification that was submitted. He said that the file was reviewed on the XXXX of XX/XX/2020 and a letter had gone out to me. He said they received a call from me XX/XX/2020 and I was told verbally what they needed. He said it has been 37 days and the file would not be reviewed for a mortgage help. I have not spoke with anyone from Rushmore and my husband has not either. I have not received mail from Rushmore requesting information. XXXX was rude and unwilling to help me save my home, the state of Tennessee says I'm suppose to receive a letter 30 days before a sale date is set for my house. I have not receive any letters
|
| 01/31/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Early this morning I logged onto myrushmoreloan.com to make my payment. I thought something went wrong and made the payment again. I ended up making the payment twice.
I tried deleting the second payment but the system said I could not and to call. I called and was told that they could not cancel the scheduled payment even though it was set for the next day. I explained my mistake and can not afford both payments. Also, other bills are going to be due on first and they will bounce. They said their policy will not allow them to cancel the payment -- I found this very confusing - how can a company simply not delete payment? I argued with the representative 'Chason XXXX who was only doing what he could with his limited ability. He said someone will call me back - I said I would hold - and I did hold for XXXX hour and XXXX minutes and to be hung up on.
Granted this was my mistake, however all they had to do was cancel the second payment.
Do they have the right to hold to do this because of 'their ' policy?
Now I am screwed for the start of this month. I will be paying fees on many bills.
|
| 02/11/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I was served a summons for foreclosure from my mortgage company on or about XXXX XXXX, XXXX. I was never sent any notice prior to recieving this summons. This violates XXXX XXXX the Fair Foreclosure Act which requires a creditor to notify in writting 30 days prior to filing for foreclosure relief. It must include a list of financial resources that may help the debtor. No such document was ever sent, certified mail or any other source. I recieved a modification Executed XXXX XXXX, XXXX. After it was executed, i recieved an interest change statement that lowers my interest rate consiiderably. The creditor failed to adhere to this. The statement referebced XXXX XXXX guidelines. XXXX XXXX doe n't own the loan. XXXX does n't own the loan. I was never told what type of loan it was. I asked every two months to have a forebearance, they told me they do n't offer that. If they would have after XXXX or 4 months, i would n't be here. They volated several federal and state laws. They never had their signature notarized or witnessed where it states on the modification it must be witnessed and notarized
|
| 05/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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At the beginning of XXXX our loan was transferred from XXXX XXXX XXXX XXXX to Rushmore Loan Management. I asked the to remove the mortgage insurance from my loan. which should have been done several years ago. i have a letter from them stating my loan to value is 70 % but they are refusing to remove the PMI it should have fallen off long ago. The readily admitted i was at 70 % LTV in the letter but said I needed to pay {$600.00} to {$1000.00} for an appraisal first. WHAT.. it was supposed to automatically fall off the loan when i got to 78 % LTV. Appraisals do not cost that much in Indiana and it is complete non sense to make a borrower pay for an appraisal when you clearly see that we are way below the LTV.. i am in the mortgage business and I know how things should work. the PMI should have been removed from my loan a long time ago and XXXX XXXX would not remove it. Our mortgage is paid up to date there is no reason to keep charging me {$50.00} a month for PMI when my LTV is less than 78 % The balance on my loan is {$130000.00} the current market value of my home is around {$240000.00}.
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| 10/05/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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On XX/XX/2020, I paid-in-full my mortgage balance to Rushmore Loan Services. The amount of the payoff was large ( {>= $1,000,000} ). The loan was in default and scheduled for a sheriff 's sale, but I was able to find someone to buy my home at the last minute. Of the {>= $1,000,000} payoff amount, the principal balance owed was {>= $1,000,000}. I have asked Rushmore for a final accounting so that I can understand where all of my payoff dollars went ( principal, interest, late charges/penalties, escrow payments for taxes and insurance, foreclosure expenses, etc. ). To date, Rushmore has failed to provide me with this information. In XXXX, I was told that I would receive a final statement about 30 days after the payoff, but in XXXX, all that was sent to me was a general, non-specific printout of my escrow account. On XX/XX/XXXX, Rushmore told me I would be mailed a copy of the payoff statement used in my home closing on XX/XX/XXXX, and a statement of my mortgage account activity. As of today, I have received nothing. I have a right to have every XXXX of the {>= $1,000,000} accounted for.
|
| 07/13/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I FILED A COMPLETED LOAN MODIFICATION PACKAGE PRIOR TO THE SALE DATE IT WAS TIMELY DELIVERED TO XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX ON XX/XX/2017 THE REASON FOR THE LOAN MODIFICATION WAS TO SAVE MY HOME THE PRINCIPAL BALANCE WAS XXXX ITS WHAT THE CONTRACT SAID THEN XXXX XXXX CHANGED THE BALANCE A DISPUTE EVOLVED BETWEEN MYSELF AND THE COMPANIES. I WROTE NUMEROUS LETTERS TO RESOLVE THE SITUATION I HAD XXXX XXXX XXXX XXXX ON BOARD TO HELP MY SITUATION BUT I KEPT GETTING THE RUN AROUND MY FILE WAS RUDELY MOVED TO PURETO RICO AND THATS WHEN ALL CONFUSION AND XXXX BROKE LOOSE " PUERTO RICO '' OF ALL PLACES THEN I WAS TOLD WAIT ON THE REVIEW AT THIS POIN I LOST TRUST IN THEM SO I FILED A BK TO PROTECT MY RESIDENCE ON XX/XX/2017 I WAS AT A SCHEDULED BK COURT DATE THE MORTGAGE COMPANY MENTIONED AND THE TRUSTEE ALONG WITH MYSELF WERE ALL TO BE THERE AT THAT COURT DATE I WAS TOLD BY THE JUDGE TO CONSULT AN ATTORNEY TO MY SURPRISE AND SHOCK I FOUND OUT ON THAT SAME DATE XX/XX/2017 A TDUS WAS BEING RECORDED AND I KNOW LONGER OWNED MY HOME WHILE MY LOAN MODIFICATION WAS STILL BEING PROCESSED
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| 06/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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in XX/XX/2023, I received a letter from Rushmore loan servicing about updating my homeowners insurance policy ; I live in a condo so I provided the condo association master policy ; the letter I received mentioned either the COA Master Policy or my XXXX ; via the methods described in the letter I provided the updated Condo Association master policy ; and later recieved confirmation that my insurance policy was verified and sufficient coverage was confirmed. on XX/XX/2023 I receivd another letter from Rushmore requiring insurance information from me and threatening to buy very expensive homeowners insurance if I did not provide the insurance information they required!
I spoke with an agent who said she was able to locate the condo master policy but they also needed my XXXX! even the XXXX letter mentioned either the condo master policy or XXXX!
I believe Rushmore is trying to force me to buy expensive homeowners insurance on purpose that's why they denied receiving insurance information from me or accepting that the proof of insurance I already sent them in XX/XX/2023 was sufficient!
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| 10/01/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Attached is the supporting docs - two issues ( statement needed for hardship loan & on going issues with Rushmore ) RE : URGENT : Hardship Loan from 401K - Loan : XXXX Please send me a copy of my statement or documentation needed to receive Hardship Loan from 401k.
The request for statements have been outstanding since the loan was sold to Rushmore. XXXX had the reaffirmation document from my bankruptcy that was discharged in XXXX. Ive sent this doc 2x to Rushmore and I still do not receive statements.
I need this documentation ASAP to receive the funds to clear the account.
Thank you, Next issue : Statements needed Hardest Hit did not honor the contract I signed - had to take out " hard loans '' ( attached ) XXXX Inspector - no resolve Waiting for Inspection from Rushmore - Insurance and Engineer came out in XX/XX/XXXX FEMA check - need it endorsed so I can pay off previous debt for Irma and assist in getting work completed Case Manger does not respond timely and when I ask for communication via email or leave message - its ignored ( cell phone goes off - unable to dial out )
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| 01/20/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I refinanced my mortgage and paid it off in full on XX/XX/2018. Rushmore Loan Management is the servicer, and did not apply the payoff until XX/XX/2018, which is also the day they collected an additional biweekly payment on my loan of {$1500.00} Post final payoff value in XX/XX/XXXX, Rushmore collected another biweekly payment in XX/XX/XXXX for {$1500.00}. That makes two {$1500.00} payments + the extra amount they quoted to the Title company to " ensure the amount is fully paid '' which together all three of these is now {$4900.00}.
I called them on XX/XX/XXXX or so to find out when I can expect to receive my {$4900.00} refund and was told that their company " policy '' is to wait a full 20 business days, or rather ONE FULL MONTH to begin processing my refund. I can not believe that is legal to just sit on my {$5000.00} for a month before doing anything after they already acknowledge that the mortgage is fully paid and they have my money sitting in a suspense account and they placed the overpayment into an Escrow account. The sum of the two is the {$4900.00}.
XXXX XXXX XXXX XXXX
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| 11/08/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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I received foreclosure papers from a law firm with a breakdown of monies they are saying I owe. I have repeatedly requested a breakdown of how payments were made and who the payments were made to because there are monies that I paid that are not applied anywhere. Proof of this a {$540.00} credit they list as unapplied funds. I have no idea where these funds were to be applied, was this a payment not applied to my loan adding to the deliquency? I have repeatedly requested original statements which I never received.I have requested to see the original mortgage note I signed because I do not believe that is the note I signed. I have received no response as to my requests I have not received any of the information I am entitled to yet they want to take my house. This has been going on for 6 years and is still not settled all they do is keep transfering the mortgage from one company to another and I have to start all over again with my requests. This is typical XXXX behaviour along with the foreclosure mill attorney who continually breaks the law with these foreclosures bullying people.
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| 12/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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My previous lender sold my mortgage to Rushmore and I have never felt so threatened by a mortgage servicer in my life. It is constant harassment about my payment even during grace periods. When I try to pay online they make me call my payment in. Problem is I am stuck on hold for over an hour. I work a lot and their business hours seem to change. I will call and they will be closed or keep me on hold til they close. One month I was late because they closed early??? Why cant I pay online? Its almost like they are doing it on purpose. Also my previous lender adjusted my escrow for next year prior to them transferring it. Rushmore adjusted it again for the same year so now my payment is going up another {$250.00}. I tried to get an explanation but the rep was zero help and incredibly rude. I hate dealing with this company. It creates constant stress and I feel like they are using predatory practices. I have to watch my statements every month, my credit report, and now they are sending me certified mail. Im never home to receive it so I get these dreaded notices. Its panic inducing.
|
| 06/18/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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Rushmore under an assignment received a defaulted loan secured by the property located at XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, New York XXXX. I was sent a foreclosure notice dated XX/XX/XXXX under index number XXXX. The owner XXXX XXXX was murdered on XX/XX/XXXX, and we are now approaching two years and four months in which the debt collection company Rushmore has refused to accept my XXXX XXXX rental payments which now total XXXX which leave roughly XXXX left of the outstanding debt. What concerns me is that Rushmore is acting as a debt collector in name only, because for two years and 6 months no foreclosure documents can be found in the XXXX Supreme Court. I fear that Rushmore is attempting to use its name to prevent the property from complying with state law under NY Public Auth Law 2429 and NYC Administraive Code 11-243. They're a conduit used to shield property required to be listed as rent stabilized. They keep writing me stating they can't discuss the loan, but I need repairs. How long can they keep acting like a debt collector ; who doesn't collect the rental income?
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| 09/24/2018 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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MY home equity loan was sold to Rushmore Loan Management Services LLC on XX/XX/2018. They called me on XX/XX/2018 in regard to my XX/XX/2018 payment. That payment was made to XXXX XXXX as instructed before XX/XX/2018. It was made on XX/XX/2018. Yet XXXX XXXX contacted me about this payment. I informed them that the payment was made and they should be following up with the institution that they bought the loan from. I also asked them where my payment coupons were for all payments going forward as none were sent to me. I received another call from Rushmore on XX/XX/2018 in reagrd to the same exact queries, where was my XX/XX/2018 payment? I informed them AGAIN that it was sent to XXXX XXXX as instructed by Rushmore 's only and first letter to me. I again stated to them that I have not received any payment coupons for what would be a XX/XX/2018 payment and here it is XX/XX/2018. I do not want to pay these clowns on line as I am not trusting them and they have very bad reviews online. I want to make my payment via US Mail but they wont provide me with a payment coupon to do so.
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| 08/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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|
Web |
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I applied for the loan-modification on XX/XX/XXXX. Rushmore did not process on time and sent me an other loan modification application on XXXX XXXX. I sent back signed loan modification application with all required documents on XXXX XXXX.
At XXXX XXXX, today XX/XX/XXXX. I, XXXX XXXX, talked to Rushmore Rep. Asked to update on the loan modification application submitted on XXXX XXXX. Rep acknowledged that the complete application package was received to rushmore on XXXX XXXX, However not yet processed. I asked him to reschedule an auction and postpone tomorrow 's auction ( XX/XX/XXXX ) until reviewing my loan modification application. Rep confirmed to me he is going to talk to the concerned department to do the needful.
I would request an extension of auction to review my loan modification package, send me reinstatement and pay off the quote.
From XX/XX/XXXX till dateI, I called several times and left several voice mail to single point assigned on that laon Ms. XXXX on number XXXX i, But never received a response. Kindly contact me on my number XXXX Regards, XXXX
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| 02/03/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
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|
Web |
Servicemember |
|
I received a loan modification in XXXX at a 2 % interest rate. ( This was lower than my previous rate. ) The loan was sold to Rushmore Mortgage. I made all of my payments on time. The mortgage payment was {$1100.00}. In XX/XX/XXXX, the mortgage payments were set to increase to $ XXXX. I got the notice in XX/XX/XXXX. I was told that the mortgage was increasing due to a tax bill that was issued in the amount of over {$25000.00}. I have disputed this with the city, but to no avail. I applied for a loan modification with Rushmore and they placed me on a six month loan modification. They also asked for {$2000.00} as a " down payment '' which I had never heard of before. The new payment was {$2000.00}. When I contacted their tax department prior to receiving the modification, I was told that the payment would be {$1600.00}. I later found out that the new payment was based on their charging me a 5.5 % interest rate. I was told that this was legal according to them and that I couldn't be given the " current market interest rate ''. I am asking that this matter be investigated.
|
| 02/28/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
Older American, Servicemember |
|
Background - Went to court because my former business partner stopped paying me in XX/XX/XXXX per our buyout agreement. I've been living on my savings since XX/XX/XXXX. Wasn't able to make my mortgage payments in XX/XX/XXXX and XXXX XXXX sold my loan to Rushmore Loan Management, a debt collector, in XX/XX/XXXX. My lawsuit was resolved in the fall of XX/XX/XXXX where I receive half the amount I was receiving originally.
Rushmore required {$5000.00} for an initial deposit and increased my monthly payment from approximately {$3300.00} to {$4700.00} per month based on a 7 % fixed interest rate. Rushmore is ruining our credit score and profiting from our problems.
I am XXXX years old. If my former partner honored our buyout agreement, I would not be in this situation. My attorney fees were in excess of {$100000.00} and took over 2 years to reach a reduced agreement.
I've requested that Rushmore modify our loan and add the {$33000.00} outstanding balance to our loan amount to take us out of foreclosure status. They have not done that. They don't return calls or emails.
|
| 11/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
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I am a XXXX XXXX borrower who has been impacted by COVID19. I requested mortgage assistance from Rushmore back in XXXX and was granted a forbearance. Once my XXXX started picking up again I attempted to reach an agreement with Rushmore for a repayment plan or possibly to tack the amount I owe to the end of my loan. Rushmore informed me that my only options was a loan modification that I would have to apply for. I informed Rushmore at the time this option was offered that I was barely getting back on my feet and did not have the same income as before. After a month of going back and forth submitting docs and completing the application, Rushmore informed me that I did not qualify for the modification and therefore owed a balloon payment at the end of my forbearance period.
I have saved everything I possibly could over the last few months and am prepared to make a payment toward the amount I owe and continue to go back to my regular payments immediately if they would just consider other alternatives than to foreclose on my because I do not have the complete amount.
|
| 02/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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|
We have had our mortgage sold twice in the last year and don't know why, because we have always made our payments on time. We had always paid our property taxes and insurance on our own. The previous lender added a monthly property tax escrow amount to our payment which we were able to manage. Then it was sold to the current lender and the escrow amount stayed the same until about four months ago when they increased it by almost double. I have communicated via phone, emails, messages on the website and have not gotten anywhere with them. They say the massive increase is to protect them from an increase in property tax. I could see a few extra dollars per month, but not double. The original amount of escrow gives them enough money to pay the taxes every six months with a little left over. We have continued to send them the original payment plus the original escrow amount and they refuse to post it as paid. Regardless of the escrow discrepancy, we are making our loan payment each month and they don't post it because the escrow is too low based on what they now want.
|
| 08/24/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Servicemember |
|
Complaint Description : Rushmore Loan Management XXXX XXXX XXXX XXXX, XXXX, CA XXXX NMLS ID : XXXX ( XXXX ) XXXX is withholding my {$34000.00} National Flood Insurance Program claim in escrow and will not remit the funds to me. My property, XXXX XXXX XXXX, XXXX, OH XXXX was damaged by flood on XX/XX/2018. The damage was inspected by a FEMA inspector and XXXX insurance company paid the claim. By law the funds were forwarded to XXXX XXXX XXXX XXXX XXXX XXXX XXXX File # XXXX. Rushmore sent an inspector to my home and he determined that I had completed 85 % of the remediation and repairs. At least 6 times requests for 85 % of the monies held in escrow has been submitted by Rushmore 's 3rd Party XXXX XXXX XXXX. Each time the request has been denied. I have submitted ALL requested documents, receipts, transcripts, letters, etc. I need the money to complete the repair of my flood damaged home.
Your Desired Resolution : I am requesting that Rushm ore Loan Management Company remit the National Flood Insurance Claim money that they are holding so that I can repair my home.
|
| 03/04/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
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Submitted Borrowwer Assistance Package XX/XX/XXXX Rushmore requested more info XX/XX/XXXX Send amended pages as requested XX/XX/XXXX XX/XX/XXXX submitted additional documents as requested XX/XX/XXXX received letter from Rushmore stating my home retention package is complete. Rushmore stated they will send a written determination for foreclosure prevention.
XX/XX/XXXX received letter of intent to foreclose.
Spoke to Rushmore representative XXXX XXXX who assured me that the letter of intent is just a formality and as long as my loan is with underwriting they will not foreclose.
XX/XX/XXXX received request from Rushmore for updated property insurance naming Rushmore XX/XX/XXXX sent insurance via email, fax and fedex XX/XX/XXXX XXXX XXXX started he was in receipt of insurance XXXX page and my file was with underwriting and it should be no longer than another week for an answer.
Rushmore LM had 30 days as per CFPB Reg X SS 1024.41 to respond to me with an answer about a foreclosure prevention alternative. 30 days was on XX/XX/XXXX. I have yet to receive a response.
|
| 08/05/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
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On XX/XX/2022 .I made a payment through the automatic system. The payment never posted to my account. I called the XXXX customer service. They said everything is okay. Some times banks take longer to process. After a few weeks I check my online app. I saw it was return. As account unable to find. It has always been the same account from where I make payments from. As soon as XXXX payment came. I receive a call on XX/XX/XXXX from XXXX collector department saying she need it to collect a past due amount. She was struggle by seen my account was up to date them she said I was past due on my XXXX payment. I told her if there was a grace period which she didn't answer. I told her to please don't t harass me when my account is up to date. Because before I even had people come and knocked or leave letters at my front door too. I definitely feel XXXX use intimidations ways in the way they have treated me.
The last representative I spoke with said she is just protecting the investors investment. So who would protect me as a consumer from those aggressive loan companies.
|
| 01/19/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
We had a modification agreement in place. We were hit by hurricane Irma. We requested a forbearance for 90 days. XXXX XXXX allowed us to make one payment before blocking our account. We we told to fax a document to them stating were not in litigation, we did. We qlso spoke with their attorneys XXXX XXXX XXXX in XX/XX/XXXX. He called XXXX XXXX and confirmed we were not in litigation. Rushmore refused to unblock our account. We received paper work on XX/XX/XXXX to resubmit modfication paperwork. I called today to let them know we were gathering the documents together and they would be faxed Monday XX/XX/XXXX. They advised we are back in litigation and have added {$6000.00}. To our already overcharged account. XXXX XXXX sold the bad debt while we were in bankruptcy proceedings, illegally. XXXX XXXX sent us a statement that XXXX XXXX had overcharged oyr account by {$3000.00}. Rushmore never corrected the account. They have charged us three times for attorneys fees, over {$15000.00}. We have not been in litigation ever with Rushmore. We qualified for the modification.
|
| 04/30/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
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Our mortgage lender who covered us for all of 2022, Rushmore Loan Management, failed to pay our XX/XX/2022 school tax ( {$3100.00} ) with our escrow funds. The money was in our escrow account. A month later they sent us an escrow refund for more than that amount ( {$3500.00} ) saying we had an overage and this was not meant to be used for taxes ( have this in writing ). So we used it to cover the costs for the birth of our child. Lo and behold months later we find out the taxes weren't paid and before we could resolve anything with them they sold our mortgage to XXXX XXXX.
We contacted the PA Attorney General who tried to resolve this with them, but Rushmore ignored their requests. Our current lender ending up paying the taxes from our escrow so we didn't have a lien put against our house, but since Rushmore misappropriated our escrow funds and failed to pay a tax they should have paid, we need resolution and for them to reimburse our escrow account. This is a case of detrimental reliance. All documents are in the XXXX XXXX folder below.
XXXX XXXX XXXX XXXX
|
| 09/20/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
XXXX XXXX sold our home equity loan to Rushmore in California. I believe Rushmore is frauding their " new '' clients. It is difficult to get anyone at that company to answer the phone. They would only let me pay by setting up account on their website to do a draft from our account. I wanted to pay the balance in full. They would not let me pay more than {$10000.00} per day. I was charged a {$50.00} fee for them receiving our loan in the first place. The next day I tried to pay the remaining balance. It would not except full balance. I had to leave at least one cent remaining. I finally got a hold of someone there and said they have to have a cashier 's check for final payment and that we owed them {$68.00} transaction fee! They said I owe them that because they would have to go to the courthouse to get the deed. I live in Louisiana and Rushmore is in California. I wish someone would please investigate the practices of this company. I looked online for information about this company and all they have are really bad reviews. I fear the deed is being held hostage.
|
| 04/16/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Rushmore Loan Management Services has continued to give me conflicting stories on why an analysis of my escrow account has increased my monthly payment. Additionally, Rushmore failed to have the proper documentation on file causing my taxes to go delinquent. They stated to me that they had the wrong parcel number causing my taxes to go delinquent. Rushmore failed to notify me of their errors verbally or written and in the meanwhile, I've received dozens of letters from private organizations offering to help me with delinquent taxes. In talking with Rushmore, they are blaming XXXX XXXX XXXX and not taking ownership. After speaking with a lady named XXXX on XX/XX/2018 and not receiving a call as agreed upon on XX/XX/2018 or a letter in the mail, I spoke with a lady named XXXX who informed me my monthly payment was going to go up 41 % based on Rushmore mistakes. This is unacceptable and I should not have to bear the mistakes Rushmore has made. This is totally unacceptable and Rushmore should be held accountable for very, very shady business and ethical practices.
|
| 09/11/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I attempted to make my XXXX mortgage payment on XX/XX/XXXX only to discover my mortgage payment was increased without any notification. I contacted XXXX XXXX XXXX XXXX and was informed that I failed to pay my taxes for XXXX. I explained I had a receipt for the XXXX taxes that I paid in XX/XX/XXXX. I was told on teo different phone calls on XX/XX/XXXX and XX/XX/XXXX that the correction would be made. As of today they are still escrowing for taxes. I have a not escrow account as I approval from previous lender to pay my taxes and insurance. I feel Rushmore has violated my rights as a consumer as they did not contact me by phone, e-mail or mail advising or asking about the taxes. I believe i was to be given notice of the payment change at least 15 days or more before the effective change as if this date that still has not happened. I have made the payment at the higher amount because I can't afford to ruin my credit just because Rushmore will not fix the payment to principal and interest only. Rushmore has been very uncooperative and has given me the run around.
|
| 06/13/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I am very devastated for all the excuses Rushmore has gave me in order to not approve me an affordable offer instead I am being asked to pay {$11000.00} as a good faith down payment and additional to that I need to pay 6 monthly of installments for the amount of {$1800.00} but it does not stop in the paper work it states to continue making payments after I complete the 6 installment payments until I received any permanent modification contract. However the trials are higher then what my mortgage was before I started to fall behind this is not helping my situation because my monthly mortgage payment was {$1400.00}. Rushmore knows I can not pay that large payment even though I had tried to negotiate the good faith payment Rushmore does not want to work with me. I am a single mother and I do not want to lose my house. Rushmore has set a sale date for XX/XX/2016 to have me removed from my house and to make matters worse Rushmore now does not let me speak to no agents from Rushmore instead I need to negotiate with Rushmore Attorneys because now they have my case.
|
| 06/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
This account was transferred from XXXX to Rushmore earlier this year while in the middle of a forbearance plan. At the end of the forbearance plan on XX/XX/2022, I was given 2 options, either have the missed payments put on the end of the loan OR new higher payment amount. These options were done with a click of a mouse on the XXXX website.
Since my account was sold to Rushmore, 1. I have been locked out of my account 2. I can not make online payments 3. I have to call in to make a payment with a average hold time of XXXX minutes plus.
4. Im redirected to lose mitigation who are rude and arrogant.
5. I was given a list of documents to submit for approval of a loan modification most of which I do not have and will not submit due to privacy.
Back in XXXX XXXX XXXX, I was sent a letter with my contact person in charge of my account. I have tried to reach this person numerous times and they never return my call or answer their phone.
This forebearance plan was agreed upon with the prior servicer XXXX and Rushmore needs to abide by the original agreement.
|
| 08/14/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Rushmore Loan Management, LLC is the servicer on my mortgage loan sinceXX/XX/XXXX. They have incorrectly placed my mortgage in default. I provided every month of proof of payment between XX/XX/XXXX through XX/XX/XXXX and they have not corrected this. Rushmore now says that it is due to a payment XX/XX/XXXX prior to them servicing the loan. I 've asked them why they are trying to collect on the loan prior to them servicing loan. They stated XXXX XXXX XXXX transferred loan stating I was one month in default and did n't receive XX/XX/XXXX. I have provided copies of proof of payment and the cleared & endorsed check by XXXX XXXX XXXX for the XX/XX/XXXX payment. Now, Rushmore states that it is due to an XX/XX/XXXX missed payment. I explainded that payment was n't required because I have a statement with XXXX Balance due because an adjustment that was made due to a Modification from XXXX XXXX XXXX. I have provided that information and Rushmore Loan Management continues to keep my loan in default. Please see copy of the XX/XX/XXXX statement with zero balance due.
|
| 07/18/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
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Rushmore Loan Management Services XXXX XXXX XXXX XXXX XXXX, CA XXXX Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX XXXX XX/XX/XXXX To Whom it may concern, I have a Mortgage with Rushmore Loan Management services due to my account being transferred from XXXX XXXX on XX/XX/XXXX, I am having trouble with our monthly statements being accurate. The statement for XX/XX/XXXX shows the amount owed is {$7000.00}, This is incorrect I spoke with XXXX @ Rushmore he states we are behind 2 payments in XXXX and XXXX, both these payments have been made I attached to this complaint. Our payments are always made in the amount of {$2300.00} and are amount due is {$2200.00} we are paid over each month.
I am currently in a XXXX XXXX bankruptcy for a total amount of {$17000.00} since XX/XX/XXXX to date I have paid {$16000.00} amount still remaining {$1500.00}. This amount is also incorrect and it is very important that our monthly statements are up to date and reflect an accurate amount due on our monthly statements and credit reports.
Thank you, XXXX XXXX
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| 02/07/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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We had a second mortgage from XXXX XXXX XXXX which was sold to XXXX XXXX on XX/XX/XXXX. We were in Chapter XXXX at the time which was discharged on XX/XX/XXXX. The second mortgage was cleared than. We have been dealing with XXXX loan mgt since XX/XX/XXXX to get a deed in lieu. Now they say that we need a release from XXXX XXXX to continue the process but XXXX XXXX has gone out of business and I can not obtain a release of lien from them. Absolutely no one can/will help resolve this and both XXXX and XXXX are saying that only XXXX can. There is no one at XXXX to deal with since the loan was sold. All we want to do was sign over the house to Rushmore loan mgt ( who is handling everything for XXXX ), we are completely frustrated over this and do not know where else to go. We have been dealing with XXXX XXXX at Rushmore, phone number ( XXXX ) XXXX, XXXX XXXX ( representing XXXX ) ( XXXX ) XXXX and XXXX XXXX ( XXXX ) XXXX. All we would like to know is how to resolve getting a lien removed from this secondary loan so that the deed in lieu can move forward.
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| 02/13/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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XXXX XXXX XXXX XXXX processed our request for mortgage modification XX/XX/2017.
I received the Trial Modification agreement dated XX/XX/2017. My first trial payment was due XX/XX/2017 with XXXX XXXX XXXX. The three trial payments were made to XXXX XXXX XXXX. I received a letter from XXXX XXXX XXXX stating my mortgage servicing was transferred to Rushmore Loan Management after I made the 3rd payment.. I spoke with Rushmore customer service several times and they assured me my payment wasn't changing and they were processing the final modification documents. 2 weeks later I received a property foreclosure sale notice in the mail, I spoke with Rushmore customer service and they stated they were not going to honor the modification received from XXXX XXXX XXXX and that my payment had increased to approximately {$2200.00}, Rushmore continues to increase my mortgage payment. XXXX XXXX the relationship manager has been unwilling to correct this awful situation. I don't want to lose my home to foreclosure. I will resubmit my request for mortgage modification
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| 08/13/2019 |
Yes |
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- Struggling to pay mortgage
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Web |
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XX/XX/2019 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX XXXX Mortgage Company : Rushmore Loan Services Loan no : XXXX To Whom It May Concern : I am sorry for delaying my mortgage payments. I have not kept my financial responsibility to your company because I had a marital separation and family emergency. All of my assets were almost lost due to my unfortunate event.
However, I have slowly recovered from financial depression and I am able to keep my monthly mortgage payment and if you agree to help me workout a repayment plan.
I have a stable job with a good income, and I would like to know if I can include my daughters income. I have invested 12 years on my property and I do not want to lose my condo, it is very important to me.
I CAN AFFORD MY MORTGAGE PAYMENT ; UNFORTUNATELY, ITS THE ARREARS I NEED TEMPORARY HELP WITH. HELP WITH a repayment plan, a reinstatement, or some other solution to get me back on track.
I have sent a detailed report to the Consumer Financial Protection Bureau as well as FHA and HUD.
Sincerely, XXXX XXXX
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| 05/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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I applied for a loan modification on XX/XX/2020. My modification was denied because my income wasn't sufficient. I'm widowed and I'm XXXX years old.
After that covid-19 hit and I was unable to look for work because of the lockdown we were imposed by XXXX in XX/XX/2020. I applied for forbearance and was granted 3 months. Ever since then I've reapplied for an extention multiple times but I never get a response. I reapplied this month but again I never received a response. I've been borrowing money to make my mortgage at times and I now owe friends and family a lot of money and my resources are running out.
I owe about {$98000.00} on my loan and my home is worth over {$200000.00} but they say I need more income to modify. I was paying {$710.00} monthly. I have limited resources and I'm unaware of any programs other than getting my loan modified. I've lived here almost 40 years and this was my first home I ever purchased with my deceased husband. I don't want to lose the only home I've owned my entire adult life. I really need help with this issue.
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| 10/09/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have contacted Rushmore Loan Management for approximately two years now, in writing, via phone and email. I have filed a XXXX complaint.
While they are polite and keep responding to me in kind, they have not addressed the issue.
There is an amount showing on my monthly bill as " short interest '' in the amount of {$7800.00}. I have requested that they detail how this amount was derived - yet they keep sending me some arbitrary documents ( for example, the loan documents I signed, and some financial pages of transactions - none of which correlate or add up to a short interest amount of {$7800.00}. ) They have written to me again, denying my request to remove this amount from my billing statement, indicating they have " providing the payment history for the life of the loan '' - however - none of the documents they have provided show me specifically when and how I accrued a short interest amount due of {$7800.00}.
I am very worried and frustrated, and seriously do not know what to do or where to turn. Please help me resolve this matter!
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| 01/24/2023 |
Yes |
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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been paying rushmore lona management on time for 5 years the payment is automated in that rushmore pulls directly from my bank account suddenly they reported the account delinquent when it is not for XXXX. my bank account shows two payments taken out in XXXX. they blamed me and my bank for the mishap when it is them who have the automated set up. they tacked on several fees, late charges. then they pulled these fees from my bank as part of one of the XXXX payments.
then they sold my mortgage to XXXX XXXX and passed on some erroneous fees to XXXX XXXX as well they then reported my loan delinquent to the bureaus i am XXXX XXXX paid in full up to date with XXXX XXXX. rushmore has no basis for such treatment. i am a XXXX XXXX customer with XXXX of XXXX in summary, they said i was delinquent when i was not. my account clearly shows two payments removed. they removed fees and extra charges that they should not have added ( erorneous error on their end ). and then they reported my account as delinquent. this is the only blemish on my credit report
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| 08/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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While I was behind on my mortgage payments, I applied to HAF. I notified my servicer, Rushmore, that I had applied to HAF and was trying to apply for modification. I submitted several applications for a modification because my loan was given to Rushmore by my old servicer XXXX XXXX who had not submitted my modification application. Therefore I had to start the application process again. Later I was told I had not submitted the application completely and had to reapply. I did inform Rushmore that I had been notified by HAP and provided them with my application ID number.
Unfortunately, when HAF contacted me to provide assistance, Rushmore had placed my loan in foreclosure. I feel this was correctly done having informed them of my HAF status. Currently Im in the process of waiting for my modification approval and HAF can not help unless my loan is out of foreclosure.
I dont know the reason I was placed in foreclosure since Rushmore was aware that I was working with HAF. I hope you will be able to assist as I believe this was done in error.
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| 05/07/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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refer to a letter sent on XX/XX/XXXX. By this means to date only one letter was received that the analysis they made corresponded. Please send all the documents you used to send payments to the crim with the receipts that the property had debt. As you view the payment on the internet increases in XXXX. I tell you that they can not continue sending payments to the crim because according to their analysis and my payments I have a credit in the crim of a full contributory year.
I need to send everything done to my crim account. Evidence of payment made to crim in XX/XX/XXXX and XX/XX/XXXX and all the complete evidences of the reason for which they sent payments to crim. Please verify my " escrow '' account carefully again and I will wait for answers no later than the 45 days by law that you have. That high payment would greatly affect my family 's financial situation.
Claim for my " escrow '' account since according to your system there is an unpaid payment for the Crim. Attached evidence of payment for the semester of XX/XX/XXXX-XX/XX/XXXX
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| 02/26/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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My home mortgage was transferred/sold to Rushmore Loan management on XX/XX/XXXX, account number XXXX. I was with XXXX XXXX XXXX until then. I was approved by XXXX XXXX XXXX for a 6 month forbearance, as I am a XXXX XXXX and was furloughed, is the reason for the forbearance. My forbearance was from XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX I am to pay {$3600.00} to bring my loan current. Rushmore states they are not aware of any forbearance and stating they are not aware of my forbearance. I faxed and mailed them a copy of my forbearance approval on XX/XX/XXXX. Today someone put a notice on my door that the mortgage payments for XX/XX/XXXX and XX/XX/XXXX are due. I called Rushmore on XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX XXXX and XX/XX/XXXX @ XXXX XXXX. At each call I explained my forbearance circumstances. They continue to state I must make all payments to bring account current and ignore my forbearance. They are stating foreclosure will proceed if payments are not brought current. Can you help me. Thank you in advance for any assistance.
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| 08/28/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have been discussing my loan and how it is ( unfair ) with Rushmore. I have sent letters, emails and talked to several people. But nothing seems to work. I bought my house more than 15 years ago and with a downpayment of XXXX I have so far paid nearly XXXX. Now my principal is at XXXX which apparently goes up every month. I tried to reach out to them to see if they would reduce this but they have refused because it is not to the interest of their investor! Who is their investor? Why don't they try to let people keep their only home instead of charging these fees and letting you lose brick by brick of your house. I get payoff letter but it is not clear. One says XXXX, one says XXXX and one says XXXX!!! So which one is it.
Why does Rushmore treat its customers this way? There are dozens and dozens of complaints against this company which is no different than the ones before, XXXX, XXXX XXXX XXXX and XXXX. All crooks who are there to steal people 's assets.
I am demanding a lower principal balance and a speedy resolution in this matter
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| 03/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Incorrect information on your report
- Account status incorrect
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Web |
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Rushmore Loan Management Services, currently has my home loan and during Hurricane IRMA I was contacted and informed that I am eligible to skip 3 months on payment and that the 3 months payments would be placed in the back of my loan. After speaking the representative I asked repeatedly will this effect my credit, the Rep stated that it would not because of the Hurricane Irma and Fema. They even stated that because I was setup on auto pay they will remove me of that for now and I would have to call back in XX/XX/2017 to get the auto pay back up. But about a month later I started getting mail about loan modifications and late pays, so I called the lender and they stated not to worry about the letters its systematic letters they have me under the program until XX/XX/XXXX. Now just a few weeks ago I went applied for a home equity loan and was told that my lender is show me past due on my payments. I called the lender to correct the reporting and to send me a letter. I have not heard from them or received a letter regarding my payments.
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| 11/05/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
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I have been attempting to complete a short sale of my home for many months. Although once approved, the buyer 's lender backed out and declined to extend financing to the buyer based on the repairs required to my home. I did receive a new cash offer, but it was lower than the prior offer. My short sale agents reached out to FHA directly to discuss the value and condition of the home. We were advised by FHA directly that their value estimate actually increased from $ XXXX to $ XXXX and that they would require an offer netting above 84 % of the new, increased value when my agents corresponded with their representative, XXXX XXXX, as of XX/XX/2020. The buyer was immediately countered, accepted an offer meeting the FHA required minimum net proceeds, and all paperwork processed to provide the servicer and FHA the offer as of XX/XX/2020. The servicer 's representative, XXXX XXXX, advise us on XX/XX/2020 that my property has not been eligible for a short sale since XX/XX/2020. This is not anywhere near consistent with what FHA advised us.
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| 03/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Our home is scheduled for auction on the XXXX of XX/XX/XXXX This company is not helping us. We have pleaded with this company to help, but insist on making our lives incredibly stressful.
My mother was the owner of the house until she passed in XXXX. Our loan went through so much before it got to our current mortgage holder. They do not care and just want us to go away.
My sister and I have a right to live in the house according to CFPB rules and the Garn-St Germain Act of 1982. This act protects the heirs from Due-on Sale Clause. Meaning to be foreclosed on.
My sister and I can afford the payments, but the company will not give us an opportunity.
We were given a trail period in XXXX and made all six payments and nothing came of it. They took our money and still trying to foreclose on us.
This is such a terrible company. There are rules set in place for our protection and they still won't abide.
Why can't this company follow the rules?? How are they able to get away with this?
My sister and I deserve an opportunity!
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| 06/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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We refinanced our mortgage with Rushmore Home Lending earlier this year after they were unable to match a competing offer. We closed with the other company at the end of XXXX and were told that our escrow check from Rushmore would be mailed to us and take 7-10 business days to reach us. We have followed up no less than 4 times from XXXX to XXXX with Rushmore to know the status of our check before we were told that the check had been fraudulently cashed in XXXX only after I asked to speak with a manager. Since the first call in XXXX, I have been lied to, told incorrect information and have been met with willful incompetence by every single employee that Ive talk to since then. I have been told so many different things and now they are basically refusing to give me any information to when a new check would be issued after someone told me that I would be issued a check last week and it would be sent via XXXX. I record of who I have spoken to as well as the Managee at XXXX XXXX who has been trying to help us figure this issue out.
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| 05/20/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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In XXXX XXXX I was approved for a 3 month trial modification on my mortgage. I completed ed my trial successfully and now my mortgage is 7 months in. Since my monthly payment was 50 % of my current income I had applied for a monthly mortgage reduction in XXXX XXXX and was granted starting on XXXX XXXX. XXXX. When I went to make my XXXX payment online thru there website the option was not available. I was told there site would be down approx. XXXX3 weeks, so they suggested to make the payment by phone. When I called the representative they had the old payment and not the new payment updated. They said they could not find the new notarized modification I mailed backed to them last month. Today I had it scanned and emailed this to them and they still are demanding I make the old monthly payment. I currently have XXXX neighborhood housing in MD trying to help with this but they are not getting anywhere with them. I have made XXXX on time payments and I do not want to go into default. I do n't know if this is a game there playing.
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| 12/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I have a sale date on my property for XX/XX/2019 and file per my lender my loan is in litigation and my 3rd party I have authorized and my attorney even authorized to speak on my behalf with XXXX XXXX XXXX. This has been a on going issue with the lender Attorney XXXX XXXX XXXX for the Litigation process, this woman never returned my calls or EVER responded to emails at all, I have attached a conversation with all parties and it CLEARLY SHOWS that my Attorney XXXX gave XXXX all the authorization needed to be for them to speak on my behalf and she refuses to return a call to anyone at all. With my sale date around the corner XXXX wants to speak to my lender and go over the status of the file to get me some sort of mortgage assistance. I had them even email to Rushmore my lender to a Manager, Mr. XXXX and he is the same way he washes his hands of it and passes it on to who ever he can to not speak to any one. How can i get anywhere when i cant speak or have anyone speak to my lender and know what is going on with my file today.
|
| 12/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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|
Web |
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I had XXXX at the end of XXXX to remove a XXXX. It took me till XXXX to get back to work. I tried contacting Rushmore LM from XX/XX/XXXX until XX/XX/XXXX to ask for a repayment or payment plan. Every time i called Rushmore went through the prompts, 30 seconds later the call disconnects, this happened 10 times. I finally was able to reach them on the XX/XX/XXXX asking for a repayment or forbearance.. I went through a ten minute financial interview, the lady told me i needed to be two months behind. Said i didn't qualify at that time for those options yet they send me these resolutions. I tried to contact XXXX XXXX, my point of contact from XX/XX/XXXX till XX/XX/XXXX XXXX. 8 calls with no response. They have also violated my rights under the Respa law. Instead of keeping two months, they had 6 months as of XX/XX/XXXX. Stating they can do this> and have an annual review in XXXX. Then they tried to state they paid my hazard insurance of {$1100.00} in XXXX but is wrong amount and it's not do till XX/XX/XXXX and is paid quarterly
|
| 05/30/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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|
Web |
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I filled out forms for a loan modification on XX/XX/XXXX. I received no response with the foreclosure date approaching I resent the loan modification packet on XX/XX/XXXX. I received a response from Rushmore stating that they do not do loan modifications for loans that are as far behind as mine they would also not accept it because it was less than 32 days before the sale. Yet again on XX/XX/XXXX they sent me ANOTHER LOAN MODIFICATION PACKET. If i am not eligible for ANYTHING as they stated why do they send this information to me? They have broken so many laws in collection of my mortgage. I have requested a breakdown of the loan where all the payments went from the inception of the loan I receive NOTHING. Not a print out of some computer information with balances for unknown amounts I requested an exact breakdown of where the debits and credits came from I received NOTHING I requested a payoff amount and what it comprised of I have received nothing but more packets to apply for modifications they say I am not eligible for.
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| 03/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
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Web |
Servicemember |
|
This is a follow up complaint with regards to The Estate of XXXX XXXX. There was a partial claim on her property which was never recorded. I spoke with a legal representative from XXXX XXXX and Rushmore during remediation and we were informed that they would be paying the partial claim directly. Today I received a call from Rushmore Mortgage stating that they just recorded the partial claim and I have to call HUD directly for the payoff information and where to send the HUD payoff. They gave me a phone number of XXXX. This number belongs to a company called XXXX. They are causing mental distress for all involved with the sale of this Estate and their ignorant and uneducated representatives do not make this easier. During a recorded call with XXXX XXXX, they stated the payoff including the partial claim. They now record this XXXX years later. I need to know whether this partial claim is legal since it was never recorded. Please be advised that the Beneficiary of this estate is a Servicemember of The XXXX XXXX XXXX XXXX.
|
| 10/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I logged into my Rushmore loan mortgage account to pay my bill, and Rushmore is blocking me access to pay on my loan. When I called customers services to ask why the website is blocking me from paying on my bill they told me because my last payment didn't go thru and now the only way I can pay on my mortgage loan is with a cashiers check or with XXXX XXXX. First of all the last payment bounce do to the fact that Rushmore tried to steal more money then they were required to take, and caused my bank to charge me with overdraft fees which I reported here in my previous complaint. And as for paying with a cashers check or with XXXX XXXX that is more money Rushmore is trying to make me spend because of processing charges, which I will be deducting from my payment to Rushmore instead of four hundred dollars my payment is {$370.00} because XXXX XXXX charges a {$30.00} process fee. Rushmore is debt collection company that needs to be investigated for fraud, and a class action suit brought against the company and it's affiliates.
|
| 04/17/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
Servicemember |
|
PREVIOUS COMPLAINT : XXXX SUBMITTED ON XX/XX/2019 Our present offer of a price at {$290000.00} that does not request seller concessions is beyond reasonable and shouldnt be declined when your own BPO value is less and values the property at {$280000.00}. CFPB has regulations in place to enforce servicers/investor to allow foreclosure alternatives such as short sale when a fair market value offer is presented.
When we submitted the current buyers original offer of {$290000.00} which included a request for 3 % seller concessions ( closing costs ) and you said the 3 % they requested wouldnt be approval so in return they removed their closing costs request and because of that reduced the offer amount as they are not willing to pay so much above the market value when having to pay so much out of pocket in addition.
I have attached the offer and supporting documents again to the reply. I ask that you PLEASE SUBMIT and encourage approval. Our present offer of a price at {$290000.00} that does not request seller concessions.
|
| 07/27/2020 |
Yes |
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- Trouble during payment process
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Web |
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Our loan was paid off in XX/XX/XXXX. On XX/XX/XXXX, our regular monthly payment was debited from our bank account by Rushmore Loan Servicing in error. We called on XXXX to get a refund and was told that it would be sent out ASAP. That was a lie. We never received anything and I called again on XX/XX/XXXX. I was told they needed proof of funds from our bank statements. While that doesn't make any sense, I did it anyway in an effort to expedite the process. The gentleman I spoke with said it was approved, checks are cut on Fridays and mailed out, so I would be receiving the check the week of XX/XX/XXXX. We never received anything. I called again today, and after being transferred to about 5 different reps, I was told that the first check needed to be voided, which takes 5-7 business days, and then a new check would be sent out. This means after being paid in full for a loan, Rushmore has stolen {$2500.00} from my family for over 4 weeks with no end in sight. I have no confidence that this money will ever be seen again.
|
| 07/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
Our House was in Bankruptcy with the rest of our items. Untill the XXXX throught it Out Rush More mortage loan company claims that we missed payments from XX/XX/21 to the presnt Date and they just sent back XXXX Payment. So we presented our bank statements of those Dates they claim we missed to our Bankruptcy Lawyer and she Presented them to the XXXX and Rush More Lawyers on the court date.Come to find out they didn't Receive our first Modification forms so the XXXX suggested that we file for another modification so we did that and XXXX it to Rush More so a few days later we contacted Rush More to see if they received our paper work for Modification the answer was yes they can't proceed. Untill we pay the Payments they claim we missedso we contacted our Bankruptcy lawer. So she say that she can't help Us in this Matter. Order for us to save our Home for last XXXX plus years from Foreclosure we must come up with those Payments That Rush More claims we missed. we need to come up XXXX Dollars by the XX/XX/XXXX XXXX
|
| 06/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
Older American |
|
I was in a Forbearance Program with my mortgage servicing company, Rushmore Home Loan Services Corp. for XXXX, XXXX and XX/XX/XXXX. I have paid Rushmore Home Loan Services on time and the full monthly mortgage amount from XX/XX/XXXX through XX/XX/XXXX - eight ( 8 ) full months, which included the payments for the forbearance months of XXXX, XXXX and XX/XX/XXXX. On or about XX/XX/XXXX, Rushmore transferred my loan to XXXX XXXX XXXX. I made my XX/XX/XXXX mortgage payment with the new XXXX XXXX XXXX.
After numerous requests via phone to customer services, and a written request sent to them in XX/XX/XXXX, which they acknowledge receipt of ( attached ), Rushmore has still not correctly reported the eight full payments made on time to the three Credit reporting bureaus - XXXX, XXXX and XXXX. I am requesting that the reports be properly updated. At this time, Rushmore no longer services my mortgage, and I believe they just don't care. Attached is Rushmore 's acknowledgment off my request for credit reporting accuracy.
|
| 08/13/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
The alleged servicer has been wrongfully denying me for a loan modification. I had a HAMP, FNMA, XXXX XXXX underwriter look at my loan modification and stated based on all the documentation I have submitted to the bank and the guidelines, I should have been approved for HAMP. I also qualify for inhouse modification based on guidelines. I am not even sure that the servicer that sent my payoff actually has the right to service my loan. The foreclosure plaintiff is XXXX XXXX XXXX. There is no assignment to the current servicer that has denied my loan modification and supplied the payoff. I am also XXXX, so being put out into the street is unjust. I make enough income to to afford my home. There also is equity in my house, so I could have sold it for a profit in order to find a new home, however due to my XXXX, it is much easier to live within my current home. The servicer is not calculating income that I have provided and also refusing to further review me for a modification. Please help. Sincerely, XXXX XXXX XXXX
|
| 02/03/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
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On XX/XX/XXXX, I obtained {$68000.00} equity line of credit from XXXX XXXX XXXX and I spent only {$25000.00} out of the approved amount before the account was blocked. I paid interest on the amount of {$25000.00} auto draft regularly until XX/XX/XXXX when i filed chapter XXXX bankruptcy. Sometime, in XXXX during my bankruptcy XXXX XXXX XXXX simultaneously assigned the loan to XXXX XXXX and XXXX XXXX not in its individual capacity but solely. On XXXX, XXXX XXXX obtained a judgment for {$42000.00} which i appealed. Suddenly, Rushmore loan management company claimed to be in charge of the mortgage that was already litigated and appealed. Currently Rushmore loan management services are demanding {$57000.00} and began to send me statements as if I holds a mortgage note with them. On XX/XX/XXXX, Rushmore loan management services planned to sell the property through a sheriff sales. Meanwhile, Rushmore loan management services suddenly showed up and simply want to defraud and take advantage of my financial situation.
|
| 08/05/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Hello Rushmore, Refer Following CFPB CASES XXXX, XXXX, XXXX You are not XXXX XXXX XXXX.
So, you not supposed to reply to me for them because you are not.
" CFPB XXXX XXXX XXXX '' Furthermore, you supplied wrong contact information for your principal. Undeliverable Mailing Address and False Phone Number.
You asked me the authorization to contact you, so I've provided them for you, now you have them.
For the same token, I'm asking your authorization to process our loan from the principal for our loan Provide us the authorization from my note holder.
Under what authority, have you try to foreclosure our property?
Which Government authority give loan servicer to foreclosure the property but servicing the loan?
The documents you've prepared are anybody can get at the County Recorders office by paying $ XXXX page.
Until you get me the authorization from your principal, you are simply one out of million fraudulent debt collector.
Stop and ceasing your collection activities toward us immediately.
Truly, XXXX
|
| 03/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XX/XX/XXXX : I mailed in six {$500.00} money orders ( total {$3000.00} ) to Rushmore Loan Services as additional principal payment.
XX/XX/XXXX : Rushmore received my additional principal payment of {$3000.00}.
XX/XX/XXXX : Rushmore claimed a portion ( {$500.00} ) of my funds was rejected but refused to return my money order.
XX/XX/XXXX : After complaining to XXXX, Rushmore found the missing funds and apologized for mishandling my funds and credited my account with that {$500.00}.
XX/XX/XXXX : XXXX case closed.
XX/XX/XXXX : Rushmore then immediately removed {$500.00} from my account.
XX/XX/XXXX : Called Rushmore and left message to customer services supervisor who I worked with all this time, but never return my call.
XX/XX/XXXX : Called Rushmore and this time I spoke to a different manager and he seems knowing the problem and told me to call me back with two hrs.
XX/XX/XXXX : No call back as of this date .... and my problem is never resolved ... and I'm tire of dealing with them, and need help!
|
| 08/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My loan was due to mature in XX/XX/XXXX. My loan has been sold to several servicers over the last ( almost ) XXXX years. I was told that when my loan matured, I would owe an outstanding principal of {$6700.00} by XX/XX/XXXX. Rushmore had recently acquired my loan, so they were not able to tell me why I owed this amount.
I have requested my closing paperwork. Not even a real estate broker can explain to me why I owe this amount.
I have submitted applications for assistance since XXXX of last year. I was approved for a trial modification in XX/XX/XXXX. I made my first payment on the trial modification in XX/XX/XXXX, before it was due. A few days later, I received another application for assistance.
I have also received a piece of mail stating that some of my interest was not applied properly when my servicer switched from XXXX XXXX to Rushmore. This is concerning.
I can not get an answer as to why I owe this amount to Rushmore. I have been working with a HUD certified housing counselor since XX/XX/XXXX.
|
| 05/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I recently became a successor in interest on this loan. I am now trying to assume the losn as I was awarded the house through the divorce and since my ex husband has recently passed away I am trying to assume the mortgage so that I can be obligated on the note. Rushmore Loan Management has told me over the phone on XX/XX/XXXX and also through secure messaging sent to me in late XXXX that they do not allow Assumptions and they are trying to force me yo refinance. My loan is with XXXX XXXX and I believe that they allow Assumptions under certain conditions. I am a single mom with two kids who now no longer have a dad and I am struggling to ensure that not only we keep our home, but ensure I can sell it if I need too. Please assist me in getting this mortgzge company to allow an assumption. I am currently not behind on my mortgage, but they just raised my payments again in the last year due to an escrow analysis and I would not be able to complete a modification if I cant assume the note. Thank you for your help.
|
| 08/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My property located at XXXX XXXX XXXX XXXX NY XXXX was involved in a fire XX/XX/2019. The Mortgage on the property was held by Rushmore Loan Management ( Account Number XXXX ) The insurance company issued a 2 party check in the amount of {$180000.00} to myself and Rushmore. Rushmore partially paid a few of the submitted bills and others I was told I would be reimbursed which I wasn't. The repairs weren't able to start in a timely fashion because of the covid pandemic stopped the city from issuing permits. Meanwhile I had to pay some of the contractors out of my pocket to obtain blueprints, pay city fines and to clean up the property to avoid accumulating any additional city summones. This was explained to Rushmore but they continued to foreclose on my property resulting in me having to sell it. They said they would issue a check for the balance of the insurance check which I never received. The ILD number on the case is XXXX. Its been almost a year and I have wrote them 6 letters and called numerous times.
|
| 10/23/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Dear CFPB : My client has been trying to sell her home in a short sale. She realized that letting the home go into foreclosure would result in her inability to obtain student loans for her children in the future, purchase a house in the future and would have a detrimental affect on her credit. Our office obtain offers on the property. The last offer was for {$750000.00} all cash deal which was denied. The bank did n't bother asking us for a counter and realty company was even willing to reduce their fee to allow this matter to close and avoid the foreclosure sale. The bank insist and is asking for {$850000.00}. Attached hereto is a mortgage statement my client was able to get her hands on. The payoff to the lender is {$710000.00}, why they did n't accept the {$750000.00} and are asking for {$850000.00} bewildering to my client and I. I am requesting an immediate investigation of this matter as the sale date is imminent. I apologize for waiting this long. However, the bank took months to give us a response.
|
| 09/23/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Rushmore loan management foreclosed & sold my property without my acknowledgement, signatures or any attempts to involve me in the process. I was a co-applicant ( co-borrower ) on loan with my ex-wife who was also a co-applicant. Neither of us were a co-signer. As explained to me when mortgage companies attorney was questioned as to whether or not they were comfortable in proceeding without my consent or knowledge they answered yes. How could a foreclosure & sale & mediation pass through all the courts without my presence or knowledge or any thing from me.
Furthermore, the lender 's failure to follow the statutory requirements chilled the bidding at the foreclosure sale and, as a result, I am now liable for a larger deficiency judgment.
Thank you.
XXXX XXXX and XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX and recorded in Deed Book XXXX Page XXXX XXXX County, Georgia records ; as last transferred to or acquired by XXXX XXXX, XXXX XXXX as Legal Title Trustee for XXXX XXXX XXXX XXXX XXXX
|
| 06/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XXXX XXXX held mortgage until we were eligible for a modification ( two month window ), they transferred loan to Rushmore Loan Management Services after modification application and told two months until eligible. Rushmore also inspected and burglarized property upon loan transfer. I started process of filing complaint but the stress for me unbearable dealing with them as I am disabled.
They have continued to create a financial hardship as they refuse to accept pay-off.
Rushmore was paid in full by XX/XX/XXXX after disregarding application for loan modification. ( property had appraised for {$46000.00} and not XXXX as owed ) So we paid full amount owed.
They dragged out each payment and I kept paying trivial amounts to pay off and they still would NOT release lien.
Rushmore continues to bill us with XXXX in escrow in their hands and our loan paid off, including charging late fees and higher mortgage payments.
It is XX/XX/XXXX and they continue to place fraudulent charges on this paid-off account.
|
| 03/20/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I had an FHA mortgage from XXXX XXXX XXXX. I was divorced and my husband gave me the house in the divorce settlement. I tried to get a modification from XXXX XXXX XXXX, but it was denied. Then, my mortgage was somehow sold to Rushmore Loan Management Services. It 's no longer an FHA mortgage, and they WILL NOT work with me to complete a short sale. They are demanding that I find a buyer willing to pay MORE THAN the original outstanding principal balance, and MORE than the current appraisal value. This will go to foreclosure auction on XXXX/XXXX/2015, and I will be forced to declare bankruptcy if they come after me for the deficiency, which I can not afford. How was XXXX XXXX XXXX allowed to sell my FHA loan and convert it to a conventional loan, and why was a non-HAFA participant allowed to acquire my mortgage? Rushmore has been totally uncooperative and expects this house ( with non-insurable aluminum wiring and in need of a new roof ) to sell for MORE than it 's worth and far more than I ever owed.
|
| 09/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Rushmore is a company who engages in mortgage fraud and deceptive business practices.
Since XX/XX/2020, all mortgage payments have been paid on time, however this company has continued to report missed payments and an increased mortgage balance.
On XX/XX/2020, I received a credit alert from XXXX indicating that my mortgage balance increased almost {$3000.00}. No payments have been missed and I did not request any mortgage assistance under the COVID 19 relief program. In fact, I specifically sent written correspondence to Rushmore that I did not seek any such assistance and that I expected my payments to be reflected as paid on time.
Rushmore is a crooked shady company and has been the subject of a several consumer fraud lawsuits. This company needs to be investigated by federal and state agencies. ( please see the attached alert ).
This company continues to violate the Fair Debt Collection Practices Act.
I can produce a cancelled check and/or bank draft for each and every monthly payment
|
| 01/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
We fell behind on our mortgage some time ago and we thought we were getting assistance from different sources. Ultimately no one helped and everyone said they could, our financial probelms started before the covid pandemic, but the pandemic has made things worse. the primary borrow has had health issues, for a number of years, and the coborrow has been dealing with her elderly mom.
Recently we reach out to the servicer and they said they would try and help by modifying the loan and since the primary borow is stable with her health and the Mom is doing much better, we should be able to maintain consistant monthly payments. We have sent a completed loan modification package in today and plan to follow up with them on monday, they said the process will be expedited because of the sale date and hopefully postpone the sale date. worse case would would need to sale property and recover what equity is available. Primary objective is the continue to live in the property and provide shelter for my family.
|
| 04/02/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I had a repayment plan with XXXX XXXX XXXX in order to keep my home. I have made payments on time every month since XX/XX/XXXX. I filed a complaint with CFPB towards the end of last year against XXXX because they would not work with me in regards to the balloon payment. I requested extra time because I am on a leave of absence from my job because of a XXXX XXXX. After filing the complaint, XXXX agreed to work with me and stretched out my payments. I received a letter in the mail XX/XX/XXXX stating my mortgage has been sold to Rushmore Loan Management Services. I called the relationship manager assigned to me, XXXX XXXX. I left a message on her voicemail asking when and where I need to send my check for XXXX 's mortgage. I have never received a call back from her or anyone from Rushmore. I have received paperwork stating my house would be in foreclosure, again. I only have about six months left and a balloon payment left on my repayment plan. I do not want to loss my house or start this over again.
|
| 08/24/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Rushmore Loan Management Services, LLC ( Rushmore ) is in a business to foreclosure people home. I request the reinstatement quote many time : 1/ Reinstatement request email and fax to Rushmore on XXXX XXXX, XXXX 1/ Another request for Error Resolution Notice XXXX 12 C.F.R.1024.35 email and fax Rushmore and Trustee XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) But both of them continue to ignore my request.
Today, XXXX XXXX, XXXX I received this note from Rushmore with the copy of the Note and copy Deed of Trust with down the breakdown in detail reinstatement quote as I did request Rusmore many time.
Rushmore clearly does n't care about customer service or customer satisfaction. Nobody trust this company. Consumer Financial Protection Bureau please help to make this company out of their shady business as soon as you able. They just be here to harm and hurt customer.
Attachments : 1/ Request for Reinstatement__XXXXXXX 2/ Error Resolution Notice Plus__XXXXXXX 2/Useless letter from Rushmore__XXXXXXX
|
| 04/15/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
This complaint is being submitted by XXXX XXXX XXXX ( XXXX ) on behalf of XXXX and XXXX XXXX. This complaint pertains to Rushmore 's violation of the CFPB 's loss mitigation procedures.
On XXXX XXXX, 2015, XXXX faxed a complete Request for Mortgage Assistance ( RMA ) to Rushmore 's Home Retention Department on behalf of XXXX and XXXX XXXX. ( Exhibit A ). Pursuant to Regulation X of the Real Estate Settlement Procedures Act ( RESPA ), a servicer must " Notify the borrower in writing within 5 days ( excluding legal public holidays, Saturdays, and Sundays ) after receiving the loss mitigation application that the servicer acknowledges receipt of the loss mitigation application and that the servicer has determined that the loss mitigation application is either complete or incomplete. '' XXXX ( B ).
To this date, XXXX XXXX, 2015, Rushmore has not acknowledged receipt of the XXXX ' application. It has been nine days since XXXX sent Rushmore the package ; thus, Rushmore is in violation of Regulation X.
|
| 07/06/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
Servicemember |
|
On XX/XX/2020, Rushmore Loan Management sent a letter stating my FICO credit score was below 720 based on a FICO score obtained from XXXX. My HELOC was suspended immediately. I requested an investigation and the HELOC was reinstated when on XX/XX/2020 when Rushmore 'pulled ' a FICO score and credit report stating the FICO score is XXXX. For context, the XXXX score is unchanged from XX/XX/2020 when I provided a copy of the FICO score to Rushmore after its letter stating my score was below 720. My credit history did not materially change in 2020 to warrant my score increasing by 3.5 % ( say XXXX to XXXX ) between XXXX and XX/XX/2020.
On XX/XX/2020 I wrote to Rushmore to provide evidence of the FICO score Rushmore obtained on XX/XX/2020 from XXXX. To date, Rushmore has not provided me a copy of the FICO score it obtained from XXXX. Moreover, XXXX has no record, nor any other credit reporting agency have any record of an inquiry on my credit report to obtain a FICO score on XX/XX/2020 by Rushmore.
|
| 04/15/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We refinanced our home loan in XXXX. We did a no escrow loan and paid our insurance and taxes in full when due. In XX/XX/XXXX we paid our flood insurance in full in the amount of {$700.00}. In XX/XX/XXXX our insurance company received a check from the mortgage company for the flood insurance. Since the policy was paid in full a refund check was sent to the mortgage company which they never cashed. They notified us in XX/XX/XXXX that they were putting escrow on the account for the flood insurance and that our payment would increase in XX/XX/XXXX. We notified they and they acknowledged that this was a non escrow loan and that the escrow amount would be removed. In XX/XX/XXXX I received my XXXX statement with the escrow amount on it and the payment increased. We had our insurance company issue another refund check which was sent to them on XX/XX/XXXX. On XX/XX/XXXX they returned the check. I had another check sent on XX/XX/XXXX. The company is refusing the refund to force escrow on a no escrow loan.
|
| 10/20/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
Our mortgage servicer has failed to pay summer property taxes owed on our home. The house straddles XXXX jurisdictions, XXXX XXXX, XXXX County, Michigan and XXXX XXXX, XXXX County, Michigan. Summer taxes became due to both Townships on XX/XX/XXXX They were payable without interest or penalty through XX/XX/XXXX. The present amount owed to XXXX XXXX is {$1700.00}. The present amount owed to XXXX XXXX is {$390.00}. Our mortgage payments are and have been current As of XX/XX/XXXX, the balance in our escrow account was {$6400.00}. As of XX/XX/XXXX, the escrow account contained {$7200.00}.
On XX/XX/XXXX, I contacted the servicer by phone to inform them that the summer taxes were unpaid and was assured that although the taxes had not been paid, the matter would be addressed and the taxes paid within 21 days. I asked for written confirmation, but was told that none would be provided. The taxes remain unpaid, creating the false impression on our credit record that we are delinquent in paying these taxes.
|
| 02/19/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have sent several letters to inquire a refund for the illegal insurance charged to my escrow account. Rush more Loan Management Services, LLC charged my escrow account for insurance in the amount of my loan which is illegal. Insurance should be placed for replacement costs value. My Condo has had insurance all the time ( See Attachments ). This insurance is specific for the building and my unit number. It covers bare walls. Rushmore is inquiring about the insurance on the contents of my condo which is in a replacement cost value about {$7000.00}. They charged me 9 months of insurance on XX/XX/2018 for prior months. They haven't been specific about the coverage they were asking for. In their letters, no unit number was entered. My condo has had insurance which I paid and still pay so a refund needs to be applied. It is illegal to charge for insurance in the loan amount and get worse when the condo has been insured and the coverage they were asking for was very specific and not a lot in value
|
| 06/24/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
Rushmore Loan Servicing LLC has offered us a Trial Modification Package for us to restart paying our mortgage debt. We received their offer dated XX/XX/XXXX demanding a payment of {$3400.00} up front and then a monthly {$1700.00}. However, they have only included a penalty amount of {$44000.00} and have kept the total modified amount unstated. We accepted the trial modification offer but have asked for the total amount that we would be paying towards. I sent them a certified letter on XX/XX/XXXX asking for the total amount, what this amount would be applied towards i.e. when would the Trial portion end, and how they calculated the loan affordability. I stated that the $ XXXX/monthly demanded payment was too high relative to our stated gross income of $ XXXX/monthly. Initially they agreed that they would get back to us and clarify our questions ; but now they have called on XX/XX/XXXX threatening that if we do n't follow through with the demanded payments they would pursue foreclosure.
|
| 01/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
For long time, its 's been a struggle with this company! I have sent in numerous complaints thru this website regarding them. I am so tired of dealing with them. I want this situation to be fixed!
Our house is to be auctioned on XXXX, XXXX of 2022. We recently filed a loan modification with them and it got denied. We sent in an appeal and it got denied. The reason for the denial is because of credit and income, which doesn't make any sense because we got approved before. We completed the trial payments and because something happened with the paperwork, it failed to complete. The money is in their possession.
I called again and the representative said that we have 5 days prior to auction date to fill out another modification ( On recorded line ) which we did. It's now in their possession.
I want a remedy to this asap. I don't want to keep doing this. I don't know why they are making this difficult. They know that they have a bad reputation and complaints.
Please get this fixed already!
|
| 04/17/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
I have a secure line of credit with Rushmore Loan Management Services. My credit line, with my house as collateral, is $ XXXX. The balance remaining on this line is now $ XXXX with $ about $ XXXX amount that is not used and remaining. In recent days access to my line of credit was denied by Rushmore for no apparent reason and no prior notice. My line of credit is fully secured with my house which at this time has over $ XXXX of equity. I even did not find out about being denied access to my credit line until they returned a recent check. My original line of credit was established with XXXX XXXX XXXX and later sold to Rushmore. It seems Rushmore is not a very legit company. I XXXX and found multiple law suites against them with one by a Florida woman who claimed that Rushmore Loan Management Services committed numerous violations of the Fair Credit Reporting Act.
Is there a way out of this? I never thought i would be denied access to my own money specially with a credit score of over XXXX.
|
| 09/17/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Beginning of 2022 i attempted to get continued XXXX assistance my application was denied. In early 2022 i did a modification. The modification was completed in XXXX of 2022. I paid the amount of modification i attempted to pay my debt in XXXX of 2022. I saw my payment increased by almost {$300.00}. I contacted the company they said my escrow amounts increased. After review of escrow analysis it increased total XXXX. The company stated the escrow balance would not be up to date based on what should be maintained in the account. I neber received a formal notification of any change to a modification that just occurred XX/XX/2022.
I beleive two things are occurring : 1. After finalizing a modification which only reduced payment by {$25.00} 2. Mortgage servicer and lender are attempting to recoup XXXX assistance monies without using that term.
3. Mortgage servicer and lender are attempting to increase payment to force a foreclosure because of current housing market and lack of peoperties
|
| 03/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
XX/XX/XXXX. We paid off our mortgage with Rushmore Loan Management Services , LLC on XX/XX/XXXX. The payoff amount for the loan was {$4500.00} according to Rushmore 's documentation ; however, as of this writing we have only received a check for {$950.00} dated XX/XX/XXXX. The discrepancy appears to be ( mainly ) related to property taxes. Our XXXX taxes were paid off by our new lender on XX/XX/XXXX. Then, Rushmore sent XXXX taxes to our county on XX/XX/XXXX, three weeks after the loan was closed. The county claims that the excessive taxes would have been returned immediately. I have contacted the tax department at Rushmore several times without any success. Each time I am told that I can expect resolution in approximately three weeks and that I can not speak with a supervisor/manager. It has now been three months since the loan closed and Rushmore hasn't made any attempt to return our {$3600.00} or give me an update on the status of our inquiries. Thank you kindly for your assistance.
|
| 09/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
Rushmore XXXX XXXX XXXX XXXX, XXXX California XXXX XXXX XXXX ( XXXX ) XXXX filed for collection of fictitious loan under identity theft in XX/XX/XXXX and there was collection of over XXXX of fraudulent lien filed against my property in XX/XX/XXXX by XXXX and XXXX on behalf of fraud. I filed further complaints and showed CFBP filed action against XXXXXXXX XXXX for conspiracy to fraud unsuspecting victims with identity theft fraud loan schemes.
On XX/XX/XXXX the CFPB filed action, orders and enforcement with injunctions against XXXXXXXX XXXX and Rushmore Collections and XXXX and XXXXXXXX XXXX XXXX have obstructed justice by ignoring orders under racketeering and organized financial crimes after the fact and as accessory to XXXX XXXX facilitation of fraud, with stipulated agreements to refrain from any collecting from victims of fictitious loan scheme. I reported back to CFPB and the company denied they were correct company to contact in fraudulent misrepresentations after the fact.
|
| 01/10/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
In the course of our mortgage loan being purchased by XXXX XXXX XXXX from XXXX XXXX XXXX it was discovered that an additional amount of $ XXXX had not been forwarded or exchanged between the XXXX companies. The end result of their oversight somehow fell to the borrowers. We the borrowers filed a motion with the court to get the matter rectified, with the court ruling in our favor. The court ruled as we had stated that the $ XXXX owing was not as the result of the borrower failing to pay our monthly mortgage amount, but that the $ XXXX owed was to be ratified between the XXXX parties eliminating the borrowers culpability in the matter. Rushmore Loan Management Services purchased the loan and is keeping with the same practice as XXXX and has failed to honor the court 's ruling as well. To date the court 's ruling has been ignored by all parties. With the increase of the $ XXXX added to our monthly payment and the mortgage ballooning to 9 % we were forced to file chapter XXXX bankruptcy.
|
| 01/22/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I have had multiple hardships including the death of my husband I submitted a completed application for loss mitigation in hope of got ta modification when i came out of forbearance in XX/XX/2021. I was sent an acknowledgment letter from XXXX XXXX XXXX they assured me they sent my file to underwriting but they never answered the application the next thing that happened was they sold the servicing rights to Rushmore loan management company and they wont even talk to me they have been seeking aggressively to take my home, I was approved XXXX from HAF but they wont discuss a settlement with me. They motioned for summery judgement and I am still awaiting an answer on the modification I am a two hurricane survivor i experienced job loss due to Covid 19 right after my husband and co borrower died. I am receiving XXXX XXXX XXXX XXXX and could afford the payment now but they dont want the money. They mis placed funds i paid in lost my escrow a lot of violations have occurred please help me
|
| 03/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I had to leave my employment due to an injury. So obviously I started getting behind in payments. My loan company has been XXXX with me and particularly the specific person assigned to my case. He ignores calls, doesn't return messages, ignores emails, and is very rude an unhelpful. He sends me documents through email in a security portal that he has locked me out of. But continues to send them there. I think they are messing with me to cause a foreclosure or something. I tried to talk to another person in the office and he was so mean I was shocked. They offer me solutions but then ignore me so I can't get one going. I have looked up this company and they have terrible reviews. They bought my loan a few years ago so I had not choice to deal with them. I think they are just buying time so they can foreclose on my house. This has been going on for months. I am getting really scared. Is there anything that can be done? These people are horrible. They are going to keep XXXX with me.
|
| 11/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
In 2017, XXXX XXXX sold their portfolio. Rushmore Loan Management Services received this loan. On the first bill, a fee was noted on the payment statement for over {$3300.00}. Since 2017 several attempts have been made to get Rushmore to disclose why this fee is present. This loan was over paid with XXXX and at times sometime doubled payments in XXXX month. No letters or explanation of the fee has been provided until today. Today a supervisor named XXXX stated that a note on the loan states " XXXX entered into an agreement with the government and the fee assessed during audit is listed as deferred interest payment due ''.
I have found a press release that shows XXXX agreed to pay XXXX XXXX by DOJ in connection to sales of residential mortgage loans. How is this agreement the issue of the consumer/mortgage holder? Why has Rushmore not address this for 5 years? How many other XXXX service sold loans have this same issue? Why has Rushmore not corrected the erroneous fee accordingly?
|
| 04/10/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XXXX XXXX is not accepting my payments. They are trying to force to foreclose on the house.
Here is the message from XXXX Dear XXXX XXXX : The payee returned the online bill payment described below : Payment to Rushmore Loan Management Service from account XXXX for {$10000.00}, to be delivered by XX/XX/2018 XXXX.
If you'd like to continue making payments to this payee, please go to the Bill Payment section to make sure your payee and payment information is correct. Once you've made any necessary corrections, you can reschedule your payment.
If you use personal financial management software, such as XXXX, please make sure the details for your payee and your payment are correct within the software.
Have questions? We offer many answers, and other ways to reach us, at XXXX.
Please do not reply to this automatically generated email.
We know you have a choice of banks. Thanks for choosing ours.
Sincerely, Online Banking Team Can you please help me out to solve the problem
|
| 08/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Attached correspondence is modifications trial documents received from XXXX XXXX XXXX XXXX and Rushmore Loan Management. I made the 3 trial payments to XXXX XXXX XXXX upon 3rd trial payment clearing my bank, my mortgage servicer changed to Rushmore Loan Servicing. Received letter servicer changed, letter from foreclosure attorney stating my home was set for property foreclosure sale. Rushmore didn't honor trial modification with XXXX XXXX XXXX and didn't apply 3 trial payments that cleared my bank. Rushmore Mortgage sent another Trial Agreement, trial payments with Rushmore increased by $XXXX and the interest rate adjust out. My interest rate is at approx. 10.00 percent. XXXX XXXX XXXX final modification agreement was never received. My account was assigned to XXXX XXXX at Rushmore, I feel Rushmore is attempting to take advantage of me and set me up to lose my homes,they have not followed servicing guidelines for Consumer Protection. Please assist me with mortgage assistance.
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| 11/02/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
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My HLOC was transferred from XXXX XXXX to XXXX XXXX XXXX. I made my first payment of {$310.00} to Rushmore on XX/XX/2018 through XXXX bill pay. Subsequestley Rushmore called me and said they had not received the payment. I contacted XXXX and they verified that an ACH payment of {$310.00} was sent to Rushmore and cashed on XX/XX/2018 by Rushmore Rushmore continued their daily dunning calls and said they had not received payment. I obtained a proof of payment form from XXXX and faxed it to the fax number supplied by Rushmore. Rushmore informed me that they opened an investigation into the lost payment that would be completed on XX/XX/2018.
I continued to receive daily dunning calls. I contacted XXXX and they called Rushmore on three different days and stated that my payment had been cashed.
On XX/XX/2018 early in the morning I received a call from Rushmore about non payment and they informed me that there is no evidence that they had made any investigation of my lost payment.
|
| 07/24/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
On XX/XX/2018 a dispute letter was received by Rushmore Loan Management Services in regards to the reporting on my credit reports. I had ask for evidence of there authorization under 15 USC 1692 ( e ) and 15 1692 ( f ) also authorization of law for there collection information also evidence of there authorization to do business or operate in the state of Florida also proof of the debit that they say I owe with my signature and lastly proof of a complete history including any charges added for collection activity that arrived to the balance that I owe. I received A response on XX/XX/2018. Under the Fair Credit Act, you must respond by 30 calendar days.I then responded to there response that they receive on XX/XX/2018 and got a response onXX/XX/2018, which they stated they have 30 business day to respond which is incorrect by the Fair Credit Act. They must follow and abide all rules on the Fair Credit Act and must remove the debit because they did not respond in a timely manner.
|
| 06/02/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I 've had a mortgage on a small summer home for about 20 months. In XXXX, they decided to change the loan servicer to what looks like an in-house servicer, Rushmore Loan Managment Services. I have sent in payments, and have reaquested that they change the autopay option I have set up with XXXX XXXX XXXX, from XXXX account to another. I have written them, faxed them, called at least XXXX times. They do not change the account the monthly mortgage is taken from, and as a consequence every month I have to keep the new and old accounts filled with cash, not knowing which they will draw from. I asked our loan broker, XXXX XXXX, to look into it and he has had no success either.
Calling in takes a long time to ge through to a human, I have done this XXXX times, each time they say it will be taken care of. The last XXXX, XXXX, said there was a record of my letter and fax. They have been 100 % non-responsive and are not allowing me to process my payments as my household moneys permit.
|
| 02/14/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I had my loan transferred in XXXX to the new company Rushmorelm, after a year of having them suddenly in XXXX my payments started going up, everytime I've called and spoken with someone they have said that it's my insurance or property taxes that have gone up. Which I have contacted them both and nothing has changed but a few dollars, and they have raised my payments over 50 dollars a month which would not account for any of that. I recently spoke with someone from their company that told me the same thing then looked at my payment history and told me it was my escrow that when they received the loan it was negative which is untrue from the documents he sent me, from what I can tell they added hazard insurance on our account for XXXX a year which raised it even though we have homeowners insurance and an FHA loan which I thought meant everything was included in our mortgage payment and it is fixed. We have never cancelled our insurance so why would they force that upon us.
|
| 08/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My wife passed on XXXX XX/XX/2022. I subsequently contacted Rushmore Loan Management Services to request a payoff to close the mortgage. I was not listed on the mortgage, and they would not accept payment from anyone other than the deceased. I attempted to pay the balance in full since and the company rejected the payment and sent a notice of default on XXXX XX/XX/XXXX that included additional {$300.00} fees with interest. The Garn. St Germain Act doesn't prohibit mortgage assumption in these circumstances. It even encourages lenders to allow the assumption of a mortgage, either at the contract rate of interest or at a rate between the contract rate and the market rate. ( 12 u.s.c. 1701j-XXXX ( b ) ( XXXX ) ). The actions of the lender doesn't make sense considering I have the means to pay the balance in full.
In this particular case the lender appears to be doing everything possible to extract additional fees for profit in a malicious manner under the circumstances.
|
| 11/05/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
HI, my name is XXXX XXXX and I had my mortgage moved from Rushmore Loan Services to XXXX XXXX XXXX in XXXX of this year. Rushmore owed me {$1100.00} for the balance of my escrow. They sent me a check a month later, and it bounced. I have called the company 5 times, send 5 messages on the secure message center ( marked as received and read by the company ) and the issue is not being resolved at all.
The first two times I called in XXXX the associates told me " check is in the mail '' and the other 3 they tell me they will look into it then no-one gets back to me. Another associate told me they " read '' problem resolved. I finally called again on XXXX and the associate told me she saw nothing on the site and would get back to me in one day ( never did ). This has really been a terrible company to deal with over the last 4 years and I believe they have no intention to pay me what they owe after the check bounced. I don't know what to do. Thank you for your help. XXXX.
|
| 11/02/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
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I applied for a loan modification in the XXXX. I was accepted into the program in XXXX at this point I believe I was one month behind. I was given a grace period for XXXX and stated making the trial payment in XXXX. I made 6 on time payments until my mortgage was permanently modification in XXXX. I think is unfortunate that my 6 on time payment are not being reported. The agreement states that the modification could adversely affect my credit report but does not state my on time payments would not be accounted for. It states the reporting that the loan being modified will affect my credit. Also, my modification was accepted on XXXX XXXX, XXXX but I was still be reported behind until XXXX. I have attempted several times through the different credit bureaus to have this changed but to no aveil. I understand that they payments are being considered partial payments but after a year of on time payments I believe I am justified in my request for my information to be undated.
|
| 06/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
A complaint was filed with your Agency against Rushmore Loan Management in case number XXXX, and on XX/XX/XXXX, a response from Rushmore was filed with your Agency, reversing their position that I was not eligible to remove PMI, prompting your Agency to close the file on my initial complaint. I immediately requested from Rushmore that an appraisal of my property be conducted with the understanding that I would pay the said appraisal fee. Rushmore acknowledged receit of my correspondence and assured me that said request had been sent to their appraisal office for action. Severally, I was informed by Rushmore that it would be done. This issue of appraisal was supposed to have been escalated, but nothing came out of the escalation. I spoke with a couple of supervisors concerning this issue, yet it is yet to be addressed.
Rushmore is not providing me the reason it is dragging its feet on this matter. I would appreciate your Agency involvement one more time on this issue.
|
| 10/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I am writing this in regards to my home that is in a trial payment plan. We were given a payment plan in which we have kept the payments for four months. We are on the fifth and the sixth is the final payment. Recently, we heard from a third party that we need to be careful with Rushmore Loan Management because they cheat people. We are concerned that we have been making these payments only to be XXXX in the end. Our house is up for sale on the XXXX of XXXX. I am confused to why this is happening, even though we have been making payments? There should not be any type of sale going on for our home. We've also received multiple letters in the past about our home being postponed for foreclosure. This is also a problem/confusion.
WE DO NOT WANT TO BE CHEATED!
Its unbelievable to me how people can be cold-hearted during a pandemic and take someone's home from them and put them on the street.
I would like CFPB to look into this and make sure that this is not the case.
|
| 06/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
Servicemember |
|
My wife and I just applied for a new loan and learned an existing loan with Rushmore LMS was showing to be included in a bankruptcy. We have not filed bankruptcy and we are current on our loan without ever being late. I called Rushmore and was told my account is in good standings and it's not their fault it shows this way. I was told to call the credit bureau. I asked for a letter and was told I was told I would have to mail a letter to them and then they could respond with a letter. I went on to explain I am applying for a loan and this mistake is very time sensitive. I asked to speak with a manager and was told no, but someone would call me but no promises it will be today. I called XXXX and was told I can file a dispute since Rushmore reported it this way but it would take 30 days. At this time my wife and I can't proceed with a purchase contract due to this mistake and my credit rating is suffering which will cost me a higher interest rate once this is resolved.
|
| 10/17/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
The mortgage serving company, Rushmore Loan Management Services, LLC, purchased lender placed hazard insurance for my property, without my authorization or consent, despite the fact that I already had property insurance of my own.
This resulted in an increased monthly payment being deducted from my account, again without my authorization and consent, and my being overcharged in the amount of approximately {$110.00}. It also resulted in my records reflecting an increased monthly amount, and my being improperly charged a late fee of roughly {$120.00}, despite the fact that I have timely made all payments.
I have made roughly 8 calls to Rushmore 's customer service and insurance department in an attempt to get this issue resolved and have been given the " run-around '' time and time again.
This is possibly the most dysfunctional financial services company I have ever engaged with and I would encourage the CFBP to take any and all steps they are authorized to take
|
| 07/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Hi name name is XXXX XXXX and I have a Loan with Rushmore Loan Management this is my second complaint because it seems nothing was down My House loan was sold to Rushmore 10 Days after Closing, the original Loan was with XXXX XXXX On XX/XX/2021 I had XXXX disappear from escrow and no one can tell me where it went. I got set up last by the loan company to for a higher interest rate and more money down i was stuck because I had XXXX contingency that i would loose if I didn't, I really did get set up and taken advantage of I am willing to go as far as I need to see if everyone it getting set up like I am getting preapproved paying contingencies and right after paying XXXX more the the loan but they try to comfort you saying its okay well put it on the back end. I have Called Rushmore and sent there leter back with the responds that I do not accept them buying the loan because I need to take XXXX to court and they are purposely making it more complicated. Loan # XXXX
|
| 05/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I had a mortgage with XXXX XXXX for 20 years and in those 20 years I would go to the XXXX XXXX office and pay cash every month I never missed a payment because it was cash. Now they have sold my mortgage to Rushmore loan management. that company is telling me that I am one month behind I told them several times in writing no I am not so tell me what month you say I didnt make so I can investigate it and prove I didnt pay by looking up all of my receipts all Rushmore does is send me blah blah letters saying we applied this to that and applied this to that and applied this to that it doesnt tell me where the problem originated. I feel like all I am dealing with is a computer never a human and when I try to call them Im on hold for over an hour I cant do that so I write them letters can you contact Rushmore loan services and tell them that I want to know what month They are accusing me of not paying loan number XXXX Rushmore loan management company in XXXX California
|
| 07/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Rushmore Loan Management Services, whose products are federally backed by XXXX XXXX ( see attached article ) offered by announcement on their website assistance for those impacted by XXXX. Each time I made a payment by phone I made it known that I was having temporary financial trouble due to XXXX. I finally completed the online form ( after having difficulty accessing their website on several occasions ) requesting mortgage assistance ( requesting that I be enrolled in a forbearance plan ) due to XXXX. Rushmore was still offering XXXX assistance ( per their website -- see screenshot -- as of XX/XX/23. Rushmore 's website clearly states that " your loan will be reported to the credit bureaus as CURRENT during your forbearance period. '' Not only did Rushmore NOT honor my request to be placed on a forbearance plan ( which I requested back on XX/XX/XXXX ), they also reported me as being 60 days late, resulting in a huge decline in my credit score ( see attached ).
|
| 05/31/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
RUSHMORE LOAN MANAGEMENT SERVICE " Notice to agent is notice to principal I XXXX XXXX XXXX, XXXX as a XXXX atual person I am writing to you under the Fair Debt Collections Practices Act ( FDCPA ) I am notifying RUSHMORE LOAN MANAGEMENT SERVICE of communicating with XXXX XXXX XXXX, XXXX as a DEBT COLLECTOR 1692 ( a ) ( 6 ).
I have been receiveing mortgage statements in violations of subsection 1692 ( b ) ( 5 ) ,1692 ( e ) ( 5 ) ,1692 ( j ) ( a ) ( b ) ,1692 ( c ) ( a ) ( 1 ) which has cause myself anxiety ( injured ). The debt collector require to ensure fair measures are taken for both consumer and collector by federal and states laws. Pursue to fedearl and state laws you have fail to take proper procedures by federal and state laws .You are civil liable to me for actual damage of {$83000.00} under the fdcpa 15 usc 1692 ( k ) this is my relief. Please be advised I will pursue both criminal and civil claims against you and your company for violation of the FDCPA.
|
| 09/30/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
1. Told XXXX servicer loan XXXX of financial hardship due to the COVID-19 emergency and are requesting a forbearance.
The CARES Act grants the right to forbearance by submitting a request, it was on XX/XX/2021.
2. XXXX XXXX sold to XXXX new servicer Rushmore XXXX XXXX. Loan # XXXX. Rushmore service ignored documentation sent over by XXXX XXXX ignored documents of XXXX XXXX as trustee executor. Ignored Cares Act and propagated false default. Would not speak to XXXX XXXX did not accept faxes letters of trustee nor XXXX and Care Act documents. Trapped this mortgage into a situation that could not be cured due to their reluctance to talk to XXXX as the trustee and look at the proper documents.
Uncooperative did not designate fact and downright predatory in subjugating Miss XXXX no processing time before sending a default letter the first week of XXXX when supposedly there is a change of servicing and mortgage holder is allowed 90 days for processing unbelievable.
|
| 03/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I made my loan mortgage payment on XX/XX/XXXX via telephone with a Rushmore Customer Service Representative, XXXX, AGENT ID # XXXX. Upon giving her my Bank Accounts routing number and account number, she gave me Confirmation # XXXX.
The agent was aware as to why I was making a late payment for the first time! I also told her it was in regards to the ongoing Escrow Insurance Account Discrepancy!
The agent stated that she would wave the late fee and assured me shed look into the ongoing/unresolved issue with my XXXX XXXX Account since XX/XX/XXXX as well. I never heard back from XXXX.
On XX/XX/XXXX & again on XX/XX/XXXX, Rushmore Loan Management sent out these letters stating that my XXXX mortgage payment was delinquent! I immediately contacted the lender and i was told that the agent XXXX, ID # XXXX, did not process my payment correctly, yet I was given a PAYMENT CONFIRMATION NUMBER!
The entire state is absolutely clueless and ridiculously unprofessional!
|
| 01/27/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
We purchased a home with an FHA loan in XX/XX/2022. After two months with the initial lender, our loan was transferred to Rushmore Loan Management. Rushmore mishandled our escrow by grossly underestimating our county tax bill. The company initially lowered our monthly payment and sent an escrow refund based on the erroneous information. They paid the tax bill in XX/XX/2022, then my loan was transferred to a new servicer, " XXXX XXXX ''. XXXX XXXX also mishandled my account by failing to pay my insurance on time. Because my home is in the state of Florida, my insurance agebt advised I would not be reinstated if the policy was canceled. I had to pay out of pocket to keep my insurance active. During this interaction, I learned my monthly payment will increase substantially due to the large deficit in the escrow account. We are first time homeowners and very concerned about the frequent changing of servicers and mishandling of escrow. Please investigate this issue.
|
| 10/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
A third party ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX ) fraudulently purchased my property with assistance from our Home Owners Association ( XXXX, XXXX, XXXX, XXXX XXXX XXXX HOA ). I contacted my mortgage service company ( Rushmore Loan Management Services ) after I noticed the third party making unauthorized payments on my mortgage. I instructed Rushmore Loan Management Company to desist from accepting payments from third party purchaser pending litigation.
Further, my loan was recently sold on XXXX XXXX by XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX ) to XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX DE XXXX ) After the recent sale, I requested from Rushmore Loan Management Company to change my loan account number, tied to the fraud. Changing the loan account will allow me to make payments to the XXXX XXXX XXXX XXXX. Rushmore has ignored my request to change account numbers and continue to accept payments from third party purchaser.
|
| 04/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My current mortgage company Rushmore Loan Magnagement Services failed to pay my home owners insurance. XXXX XXXX XXXX XXXX has been my mortgage company for 25 years, since day one, has paid my homeowners insurance out of my escrow account, annually, then billed me in monthly payments to cover the escrow. XXXX XXXX XXXX XXXX XXXX sold my mortgage to Rushmore then notified me via regular mail that the only change to my loan would be who I paid and where I sent the check every month. Other wise the mortgage would be IDENTICAL. My house caught fire XX/XX/2023 and burned 75 % of it. I reached out to Rushmore to obtain the company name and contact person at the insurance company. Only to find out the dropped my homeowners insurance and placed Lender placed insurance on my home and NEVER INFORMED ME OF THAT. Bow because of their actions I have lost my home and everything I owned, Their neglect will cost me XXXX XXXX dollars. I want this company to do what is right!
|
| 05/31/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
RUSHMORE LOAN MANAGEMENT SERVICE " Notice to agent is notice to principal I XXXX XXXX XXXX, XXXX as a n atual person I am writing to you under the Fair Debt Collections Practices Act ( FDCPA ) I am notifying RUSHMORE LOAN MANAGEMENT SERVICE of communicating with XXXX XXXX XXXX, XXXX as a DEBT COLLECTOR 1692 ( a ) ( 6 ).
I have been receiveing mortgage statements in violations of subsection 1692 ( b ) ( 5 ) ,1692 ( e ) ( 5 ) ,1692 ( j ) ( a ) ( b ) ,1692 ( c ) ( a ) ( 1 ) which has cause myself anxiety ( injured ). The debt collector require to ensure fair measures are taken for both consumer and collector by federal and states laws. Pursue to fedearl and state laws you have fail to take proper procedures by federal and state laws .You are civil liable to me for actual damage of {$83000.00} under the fdcpa 15 usc 1692 ( k ) this is my relief. Please be advised I will pursue both criminal and civil claims against you and your company for violation of the FDCPA.
|
| 08/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
The company is Rushmore Loan Management. I fell behind on my mortgage after my hot water tank and dryer broke, and cellar flooded in XX/XX/2022. To add to the challenges, my fianc was diagnosed with a rare type of XXXX XXXX. With an income of only {$1500.00} a month, I had to deplete my savings to cover the expenses of buying new appliances and dealing with the floods. Additionally, I had to bear the burden of taking my fianc to numerous XXXX and XXXX treatments XXXX miles away, sometimes on a daily basis.
Paying the loan has become even more difficult due to the fact that they don't accept debit card payments. I've exhausted my life savings, and now they're suggesting another loan modification that might increase the interest rate. Despite agreeing to almost double my mortgage payment to catch up, it hasnt worked I fell behind again. Moreover, they incessantly call me at all hours of the day, creating additional stress.
Well, that's my rant for the day!
|
| 10/31/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My account has been overcharged in force-placed insurance which makes me pay twice for the same insurance. Charged on my escrow account an insurance value on the loan and they never sent me a notice of premium nor any insurance certificate. My property is a Condominium and has been insured since I bought it in 2005. I had to rely upon my insurance and my funds for any issue since I never had a certificate from them. IIf I had a certificate from them I could have contacted the insurance company for a refund in regards to that insurance since I have had always coverage in my property. They do not want either to refund those premiums or produce a certificate of that insurance. In essence, I am being charged for something that does not exist. It is illegal to collect double insurance on the same risks.Rushmore does not respond to my complains. This is simple an easy money earning for those who have a property. This issue caused a lot of our problems in the past.
|
| 01/31/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
I put in for a loan modification and it was denied, they stated I didnt provide proof of income, and the {$6800.00} was not enough to sustain a mortgage and they never received payment to show good faith.I dont even know how much to pay because they never told me. They said they sent letter.. which is not true. They told me to put a loan number on my moidification forms that was different from the loan number on there papers, when I asked about it they said that was the loan modiication number. while i waited for an answer on my modification my loan was transferred from XXXX to XXXX to XXXX back to XXXX and now they have it with a company called Rushmoore loan servicing which told me i needed to re submit all paper work because the other was out of date. Now they started foreclosure proceedings and I dont now what to do. I sent the documents to all these companies numerous times and every time they say im missing documents. I need Help I cant loose my home.
|
| 12/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I am a handyman and work for myself. I fell behind on my mortgage during the XXXX pandemic due to a decrease in income as people were not hiring contractors to come into their homes. I requested a modification and sent in my information. I use my personal bank account for work. I received a denial stating that my income was below {$1500.00} a month and that I did not have the income to support the loan. I then appealed as my income is in excess of $ XXXX monthly. I then called my lender to check on my appeal and I was told that my loan was no longer eligible for review. I was told I am unable to appeal the denial decision which is inaccurate. I do not think this is fair. I was under the impression that lenders were not supposed to put you into foreclosure if you had a XXXX hardship. I am in foreclosure now and my lender will not listen to me even when I send in proof they calculated the incorrect income. I would like a fair review with the correct income.
|
| 08/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Good Evening, I was on Covid forbearance with a previous lender when my loan was sold.
Original loan was with Rushmore Loan Services New loan is with XXXX XXXX XXXX As I was running my credit report I saw negative remarks from original servicer of the loan which was Rushmore Loan Services.
From what I understand there should not be any negative remarks when a servicer sells a loan to another company and there is a 60 day grace period from a sale of the loan. This did not occur for me and now there is a negative remark on my credit report. As followed I sent information to my original servicer and they could not tell if they received my information via fax and was given a run around. I am fighting to keep my home but I had to sell due to some hard times that everyone is facing not just me and making sure my credit is intact for my family. I just want this negative remark to go away but do not know what to do next.
Please help Thank You and God Bless
|
| 05/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have been trying through XXXX and Rushmore to have the delinquent status of the Rushmore removed from my credit report. I filed a dispute with XXXX and supplied documentation from Rushmore of the payment accurately made and that Rushmore had indicated in a letter to me that they in fact received my payment and the reporting would be updated. It still hasn't. I just received notice, XX/XX/2020 that the information XXXX has and investigation of the dispute not handled and below is the email received on the XXXX dispute Results Report Number : XXXX Date Generated : XX/XX/2020 RUSHMORE LOAN MGMT SER Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.
I have two documents 1. receipt of payment 2. letter from Rushmore acknowledging ( which has been supplied directly to XXXX )
|
| 06/26/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Rushmore Loan Management Services ( will now abbreviate as RLMS ) is sending people onto my property to leave notices on my front door. I am the property owner. I do not currently, nor have I ever had any business or accounts with RLMS. No one currently living at my address has or has ever had any business or accounts with RLMS. I have contacted RLMS on three separate occasions to inform them of this. I have specifically notified RLMS that any future visit to my property is unwelcome and will be considered trespass. RLMS has visited my property no less than two more occasions since I have first notified them of this. On each subsequent visit I have again contacted RLMS to inform them that no one living at the address has any account or business with RLMS, I have requested that the visits cease, and I have informed them than any future visit will be considered trespass. I have video and physical evidence to substantiate the continued unwelcome visits.
|
| 02/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
DEAR OMBUDSMAN DEPARTMENT MANAGER : YOU HAVE PUT ME AND MY FAMILY IN HARMSWAY BY CHARGING ME LAST 11 YEARS FAKE HOMEOWNER INSURANCE FEES AMOUNT {$16000.00} + {$130.00} ESCROW FEES. MY PENTHOUSE CONDO ASSOCIATION OFFICE HAVE EMAILED PROPERTY INSURANCE PROOF TIMELY TO YOU LAST 11 YEARS.
ALSO, NEW CONSTRUCTION CERTIFIED CONDO BUILDINGS BASED ON XXXX REAL ESTATE LAW PREWIRED WITH CARBON MONOXIDE DETECTOR AND PREWIRED SPRINKLER SYSTEM DOES NOT REQUIRE FIRE INSURANCE POLICY. PLEASE, REFUND MYESCROW SURPLUS OF {$6000.00} + {$40.00} PROP. INSPECTION FEES. MY ESCROW SURPLUS INCLUDES {$2.00} ESCROW ADVANCE FEES REFLECTED ON MY RECENT REINSTATEMENT LETTER DATED XXXX XXXX XXXX XXXX FILE # XXXX. PRIOR TO MY WIRE OF ABOUT {$50000.00} TO BRING MY ACCOUNT FULLY CURRENT.
STILL, MY PROPERTY IS XXXX EXEMPT SINCE XXXX BY XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, PHONE XXXX.
SEND MY REFUND TO MY MAILING ADDRESSD RESPECTFULLY, XXXX XXXX XXXX XXXX XXXX XXXX WITH HONORS
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| 06/26/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
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I was working on a short sale with XXXX. They countered XXXX and my client approved. We were just waiting on XXXX XXXX approval. In the middle of this process the negotiator told me that the loan was being sold to Rushmore XXXX XXXX. I could not talk to Rushmore because the file had not been transferred. XXXX XXXX I called Rushmore and they said they could not speak to me because the file did not transfer to them yet. This process took a week and a half. In the meantime I saw there was a foreclosure for XX/XX/XXXX. I asked the representative if that would be an issue an she said no. I was finally assigned a negotiator and he ordered the BPO. However last week he told me his supervisor said that Rushmore needs 60 days to complete the short sale. I was close to getting an approval with the previous servicer and I believe it is unfair for them to schedule the short sale foreclosure sale date without even giving us the opportunity to complete the sale.
|
| 06/03/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Rushmore Loan Management Service is involved in unfair business practice. They continue to delay my loan modification application by saying they never received faxed documents that are needed to finish my application. We have enlisted the help of a third party organization called XXXX that specializes in helping homeowner such as myself save their homes from foreclosing. Again, Rushmore stated that they never received the required documentation from XXXX and even suggested that we stop using a third party organization. I have been trying to get a loan modification for the past year. Initially, the loan was with XXXX XXXX XXXX who also was using the delay process so that they could sell the loan. Then in XXXX of 2014 the loan was sold to Rushmore Loan Management Services and from that time until today my application is still incomplete. I strongly believe that Rushmore is intentionally delaying the loan modification process in hopes of foreclosing.
|
| 04/01/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Rushmore Loan Management falsified all legalities and did so in a response letter. I seek all legal action to the highest. See attached response to myself and my wife as the letter is only addressed to her. All information from Rushmore is fraud. My loan was identified in class action lawsuit XXXX versus XXXX. At no point is this so called debt legal as XXXX was found guilty of fraud. I seek see below ( statutory damages under the FDCPA and RESPA, and restitution damages and losses from Rushmore Loan Management for allegedly unlawfully profiting by acting as an unlicensed mortgage servicer. ) My wife is legal party of interest and legal owner of said property from Deed legally registered with Title insurance also containing both names dated XXXX XXXX. See attached response that clearly states " this is an attempt to collect a debt '' this matter was found fraud in court of law XX/XX/2020.
This is now a criminal charge of fraud and identity theft
|
| 02/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
We filed and were approved for forbearance by our previous mortgage company ( Rushmore Loan Management Services ) and while in Forberance in XX/XX/2021 our mortgage company reported that we had a late/missing payment for the month of XX/XX/2021. Since then, I've spoke with MULTIPLE people from the company who have assured me they made a mistake and will get it fixed and it CONTINUES to not be fixed. I've lost XXXX points on my credit score with XXXX and when I talk to them ( which I have multiple times ) they tell me to file a dispute and it's been rejected I think 3 times now EVEN after Rushmore tells me it'll be fixed. Don't know where else to turn but Rushmore is not getting it fixed and has even rejected to return my calls the last 2 times I've talked to a manager.
I also have a file I'm attaching SHOWING they've admitted they were wrong about this situation but still haven't gotten it fixed even after assuring me numerous times they would.
|
| 08/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I fell behind on my mortgage payments a few years ago due to some financial problems, and tried for a loan modification with the company. I made all of my trial period payments only for them to cancel the modification because according to them I missed a payment in the beginning of the trial period. So me being stubborn and already mad I quit making the mortgage payments. Fast forward 4 years later I filed for bankruptcy because I got tired of them not trying to work with me to resolve my problem. After filing for bankruptcy in the spring of XXXX the mortgage company was willing to work with me and apply for a loan modification my trial payments were a little over {$2100.00} a month for 6 months starting in XXXX of XXXX thru XX/XX/XXXX, which I paid them all. Now they are telling me my new monthly mortgage payments will be {$2100.00}. I filed a petition for the payments to be reduced back to my original amount of {$1200.00}, which they refused.
|
| 03/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
I refinanced my home mortgage in XX/XX/XXXX. The mortgage was with XXXX.
They financed {$100000.00} & my home was only worth around {$50000.00} at that time & I only owed {$35000.00}. They said I could use extra money for whatever I needed it for. I have made monthly payments of {$840.00} since XX/XX/XXXX. I have repaid over {$120000.00} on this mortgage loan & it will not be paid of until XXXX. In XX/XX/XXXX XXXX sold the mortgage to Rushmore Loan Management Services. I have an interest rate of 9.6 % & the balance on the loan is {$89000.00}. I have tried to do something through the HARP program, but was told my mortgage did not qualify because it was not a XXXX XXXX or XXXX XXXX. Just wanted to know if there is anything I can do to get my interest rate lower so that I can pay of my mortgage in my lifetime. I am XXXX years old & married. My wife is currently going through XXXX treatment for XXXX XXXX.
Any advise would be appreciated.
Thanks!
|
| 07/17/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
I have been in foreclosure procedeing since XXXX including XXXX court cases, last XXXX mortgage lender ask for dismissal without prejudice. After dismissal lender sells off mortgage and new owner files with same evidence and later dismisses. I tried to make payment with cash to XXXX which refused to accept payments covering my P & I plus escrow.
XXXX XXXX , XXXX OH court cases as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VS XXXX XXXX XXXX XXXX XXXX VS XXXX Current attorney for new lender is XXXX XXXX , LSR # XXXX , ( XXXX ) XXXX .
I called current lender and they redirected me to above listed attorney.
I contacted XXXX on XX/XX/XXXX to discuss options for my home on XXXX XXXX XXXX , XXXX , OH XXXX in which I occupy.
I since followed up with several emails to XXXX ( last 2 emails ) XX/XX/XXXX , & XX/XX/XXXX which are still are yet answered.
|
| 09/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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|
First and foremost, the communication with this lender is awful. I applied for a COVID 19 Forebearance. I never received anything from them. Only when I called and listened to the answering machine did I find out that I do not have to pay until XX/XX/2020. I never received anything official in writing from them.
On top of that,, my real estate tax bill went down XXXX. I sent this to the lender and asked for an escrow analysis. They were collecting a much HIGHER amount for the projected amount. The projected bill came in XXXX lower, and somehow in their calculation, my payment has now gone UP and not down. They are stating that I have an escrow shortage of XXXX This is impossible because they were collecting a higher amount all along.
Finally, I want my payment due date by the XXXX of the month. They have charged me fees if I pay after the XXXX, even if their is supposed to be a grace period to the XXXX.
Please help me with these issues.
|
| 09/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
My original home loan started off with XXXX XXXX for a monthly payment of XXXX a month, but my loan was bought by Rushmore Loan Management service from XXXX XXXX and my notes have been going up every since then. Rushmore has been charging me for late fees when I am not late, charging me for escrow, and was charging me for home insurance when I already have a home insurance policy. Rushmore here recently made my banks checking account go into NSF because they decided to take out more then the required amount of funds for my note instead of XXXX dollars they tried to take out XXXX dollars which made me XXXX in the hole, now there saying the payment for XXXX was not received which I know it was because I have a email conformation. As for as charging me for home insurance they had to refund me back for that but I do not see where they did in my balance, I have email correspondence between Rushmore and myself for proof of this fraudulent behaver.
|
| 04/14/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
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I have a home Equity line of credit which has been in effect for several years always in good standing. I have very good to excellent credit. On XX/XX/2020, Rushmore loan management sent me a letter stating that upon review of my fico score, they determined that I did not meet their lending criteria. Therefore, they were suspending my draw privileges on my home equity line. Being that my credit and fico score have always been very good, I called Rushmore for an explanation. I spoke with a woman named XXXX in the Customer relations department. After checking my account, she informed me that Rushmore has suspended many Heloc accounts because of Covid-19. When I asked why my letter stated something completely different, I was told that the real reason for the suspension was Covid-19. There was no real basis to suspend my access to this, credit, based on my credit history and the letter that I received was fraudulent and deliberately deceptive.
|
| 07/21/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Rushmore is refusing to open my loan modification review because they state the " investor which is XXXX XXXX XXXX XXXX.
We had a 2nd loan modification review which left out a great portion of our income and now Rushmore is stating there is a hard stop on the file which wont allow for another review. We never got approved for a loan modification in the past and the 2 reviews we had were done so without the full income as Rushmore ignored some of what we earn.
The last review should not count towards my second review or at the very least the second review should be re-opened and the correct income should be looked at.
We are prepared to make payments starting today and we can even put down {$15000.00} as a good faith deposit. I called the investor and they said they have no such rule. XXXX XXXX XXXX still continues to block my loan modification review which is a violation of federal guidelines and is doing an unjust harm to my family.
|
| 01/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
This is the third time I'm reaching out to Rushmore Loan Management LLC about correcting the credit reporting on this account. I was told to wait 46 days from the previous correspondence dated from XX/XX/XXXX. I was told this would be updated and if not to send a copy from my credit report showing the account was reported late. I have attached a copy of my report showing account is still reported late even though correspondence form a XX/XX/XXXX letter indicated I was approved for a modification and the trial period would start XXXX. Also, previous correspondence stated that all credit reporting would be suppressed until XXXX, which apparently that didn't happen. I really insist that this get updated immediately since I have been told previously this was sent to all three-credit bureaus. This has caused my credit score to drop by XXXX points. I also made a payment to Rushmore in XXXX before the loan was transferred to XXXX on XX/XX/XXXX.
|
| 11/15/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Rushmore Loan Management Services is refusing to participate in a Short Sale proceeding with no explanation as to why.
They originally denied the offer and gave an amount. The amount was met and still they waiting months to deny the offer with NO further explanation.
The contact at Rushmore ( XXXX XXXX ) stated that the investor has refused to go any further with negotiations and no additional contact has been made except more generic denial letters and offer to take the home in a deed in lieu or other programs. I do not trust that any of the programs they offer actually work for the consumer as they are not answering calls or giving any explanations once they give a flat out NO.
I can not afford this mortgage anymore and have a buyer willing to negotiate and did increase to the demand for the amount Rushmore stated. Once they got the offer they refused to go any further and now my house may foreclose. Which appears to be their goal.
|
| 03/14/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
XXXX LOAN # XXXX BORROWER : XXXX XXXX ( XXXX ) PROPERTY ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Previous CFPB complaint no. XXXX I received the attached denial notice from Rushmore today. I am going to escalate this with another CFPB complaint in addition to the attorney general. Rushmores opinion of fair market value is not cohesive with the facts which we provided to demonstrate the true fair value of the subject property. Failure to lower the value expectations is going to cause a foreclosure when there was a viable alternative available via a short sale and consideration of the offer we submitted that is fairly priced based on current market conditions. I ask this be escalated further because the documentation I have submitted to support my argument is clearly not being thoroughly reviewed for consideration. Thank you for your assistance.
Respectfully, XXXX XXXX Loss Mitigation Manager/ Legal Assistant P : XXXX F : XXXX
|
| 04/12/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
regarding forced placed Flood insurance. I purchased flood insurance and obtained verification from FEMA my structure is not in a flood zone.I and the insurance company has sent this documentation in 12 or so times. I have called every month for the past 7 months. Lender who lost my documentation the first 5 times now state my 3rd party verification is not sufficient to remove the forced place insurance. they have acknowledge i have flood insurance in place but the zone and type of coverage does not satisfy their requirement. I have reviewed my documentation with the front end persons and a manager but the persons making the decision are not satisfied. I have not been provided any documentation disputing my documentation provided by XXXX XXXX XXXX, through XXXX XXXX XXXX XXXX, on Department of Homeland Security FEMA document.
i believe this process is not representative and believe it is an unfair additional monthly and annual cost.
|
| 01/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX OF CREDIT PAID IN FULL ON XX/XX/XXXX VIA XXXX WIRE TRANSFER.
FOR WHATEVER REASON XXXX DID NOT POST THE PAYOFF TILL XX/XX/XXXX.
PROOF OF WIRE IS ATTACHED TO SEE FOR YOURSELF.
DUE TO THEIR XXXX IN NOT PAYING OFF THE LOAN WHEN THE WIRE FOR THE PAYOFF WAS RECEIVED ON XX/XX/XXXX I WAS NOTIFIED THAT I WAS REPORTED AS XXXX DAYS DELINQUENT FOR THE XX/XX/XXXX.
THIS HAS CAUSED ME IRRERAPABLE DAMAGE TO MY CREDIT.
I HAD CREDITORS CLOSE SOME OF MY ACCOUNTS.
I HAVE IMPECCABLE CREDIT IN MY XXXX YEARS OF CREDIT HISTORY.
I REALLY NEED HELP ON THIS AS I CANT GET THIS TO BE CORRECTED AND MADE RIGHT. THIS IS VERY UPSETTING TO SAY THE LEAST AND TIME CONSUMING REMOVE THE INCORRECT CREDIT REPORT BUREAN DELINQUENCY REPORTED FOR XX/XX/XXXX : NEED XXXX TO REIMBURSE ME FOR ALL THE DAMAGE DONE BY THEIR XXXX VIA SOME KIND OF SETTLEMENT ON THIS.
PLASE FURTHER ADVISE WHERE I SHOULD BE SENDING ALL PROOF OF PAYMENT PLEASE ADVISE ON THIS XXXX XXXX
|
| 02/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
First this business should be shut down for illegal practices. They refused to take my payments, and changed the locks on my house and refused to allow anyone back in. We went to court when they refused my willingness to pay more than I owed to get this done. I paid them, and I was current. These XXXX accepted my payments from then on. Now, I want to sell my house. I asked for the payoff, and these XXXX added an additional {$11.00}, XXXX and call it " recoverable corporate advances ''. This has to be illegal!!! i refuse to pay them a dime more than actually owed which they show as {$67000.00} but is actually less. I have overpaid them for the last time. They have put me and my tenants through so much they should be paying me, and if this isn't corrected, I will sue and charge them my legal fees, emotional distress etc. PLEASE help me!! I don't want to lose this sale due to this " businesses '' hopefully unlawful, revolting greed.
|
| 11/11/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage was sold to Rushmore XXXX earlier this year. XXXX of this year the company claimed to have not received my mortgage payment and processed a late payment on my credit report of 30 days past due to all of the credit bureaus. I have pictures and proof that they did in fact receive the payment on time and processed it. When ever I pay my mortgage online to Rushmore XXXX it takes about XXXX weeks or more for the Website to reflect that my mortgage was paid. Also, I have called the company several time to no avail, I sent letters, and emails and I have been given the runaround, placed on long waits, and then hung up on. I have been told that I would receive correspondence via mail and a call and I have not received any of these things. I have proof that my payments were sent to them on time, This has been an ongoing problem since XXXX of this year. Please help me to get this false late payment removed from my credit report.
|
| 10/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My loan was purchased by Rushmore from XXXX XXXX in XX/XX/XXXX and in doing so they changed my mortgage from a standard mortgage to a daily simple interest loan without proper consent or disclosure. 2 ) With my previous mortgage holder, I made early payments, when I received my 1st mortgage statement XX/XX/XXXX from Rushmore, they stated that a payment was not due until XXXX and all the while charged me daily interest based on the revised/undisclosed structure of the mortgage. I am requesting my loan be changed back to a standard mortgage and I be reimbursed for the amount of interest that I was overcharged based on the change in the mortgage structure.
I had so much trouble when trying to work this out with the company so I went to the XXXX XXXX XXXX because I knew what they were doing was wrong. If this happened to me, I am sure that it has happened to many people and they may not know what to do or how to get this rectified.
|
| 06/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
This is urgent.
We are unable to pay our mortgage for our home at XXXX XXXX, XXXX XXXX. We received a foreclosure notice from Rushmore Loan Management Services in XXXX CA. Rushmore bought our mortgage loan from XXXX XXXX recently and we found out 2 weeks ago.
We heard from news sources ( XXXX XXXX XXXX that the forbearance is given to 3 months and allowed to be extended for 12 months. Rushmore is refusing the forbearence for our mortgage.
Can you please help with stopping our foreclosure. We were late with mortgage payment before the covid period due to the income loss. Due to the covid our household has XXXX income. My son and daughter ( students ) both lost their part-time jobs. I have been looking for project/jobs and covid19 put everything on hold. My wife runs an air bnb ( XXXX of the XXXX units ), which is stopped now. We applied for XXXX loan and we were declined. I applied for unemployment in XXXX and I was denied.
|
| 05/29/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Victim of a predatory Refi loan in 2007. It was suppose to be a cash out but a time of closing the XXXXongress Title closing agent said that the mortgage company is not doing a cash out just a conventional refi. Therefore the closing agent did not have all the closing docs including the HUD. She had me sign whatever docs she had. Later I discovered she signed the HUD and the appraiser fraudulently appraised the house. Appraiser stated that the house had gas and electric utilities when in fact it has below and underground oil tanks and oil heat. Never had gas utilities at property. Comps were inflated and done in another areas. Appraised {$95000.00} above market value. Today, lawyer is trying to foreclose using robo signed docs ( assignments, Mortgage, note ). CODI violations as well with multiple assignments.l have been in the foreclosure process of more than 9 years with two docket # s in XXXX County Court Hon XXXX XXXX
|
| 06/02/2015 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Rushmore Loan Management Services purchased my mortgage from XXXX XXXX, which typically should not impact me as a consumer, other than changing where and to whom I should send my money. However, that was not the case. Rushmore failed to acquire all the proper documentations from XXXX which would show that the property is insured, so they added a lender-placed insurance to my account resulting to an increased escrow, which increased my monthly payment from {$600.00} to {$1000.00}. I called Rushmore to advise them that I already have insurance through the homeowners association, provided them with name and phone number and advised Rushmore that I would send the regular payment of {$600.00} for XXXX 2015, which I did. Now Rushmore has labeled my account as delinquent for the difference. I 'm seeking protection as a consumer who should not be impacted by lenders practice of bouncing/selling mortgages to other lenders. Help!!
|
| 03/03/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XXXX XXXX and XXXX XXXX XXXX of XXXX XXXX XXXXXXXX XXXX NJ XXXX entered into a loan modification with Rushmore Loan services.Loan Number XXXX We were never discussed terms and were given a packet to sign and have notarized. We did, We were told that everything would start over in the new loan.
We made a payment in XXXX of 2020, over what the modification stated. Thru out the trial period we also made extra monthly payments to them. It was not a lot but it added up thru last year. We also had an extra amount left over last year, ( they can not seem to find ). It shows on the statement for the end of the year as well..
We now are getting phone calls saying we are two months behind. We also payed in XXXX of 2020 a payment of {$740.00} to cover the escrow shortage, and our payment would be even less an amount of XXXX.
They took this money and applied it to the loan Can you please help straighten this matter out.
..
|
| 04/26/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Rushmore LM has continually called my cell via an automated dialing system. My phone has prevention of automated or robo calls. Allows to ring once then sends to voice mail. The message left on the voice mail is an automated computer generated voice in violation with Section 5 of the Federal Trade Commission Act, 15 U.S.C. 45 et seq. prohibits unfair or deceptive acts or practices in the marketplace.
The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., ( which is enforced by the FTC ) provides that debt collectors may not, in connection with the collection of a debt, place telephone calls " without meaningful disclosure of the caller 's identity. '' 15 U.S.C. 1692d ( 6 Never is the number have any description of the company name nor when they call me home number. They were removed from calling my cell phone 2 years ago only to contact my landline. This violates laws under both FDCPA & TCPA laws.
|
| 09/21/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
My actual complaint was not an available option.
My complaint is against Rushmore Loan Management Services because they refuse to initiate a funding fee repayment.
My VA XXXX status was pending at the time we closed on the account ; however, I have now been recognized as XXXX by the VA and can now request that my VA funding fee be returned.
The VA stated plainly that the mortgage company that holds my loan must initiate the repayment through the VA funding fee payment system and that nothing else would change about my loan and that I did not need to provide any documentation to the mortgage company.
I initially spoke ( XX/XX/2018 ) with XXXX ( ID XXXX ) and later ( XX/XX/2018 ) XXXX ( ID XXXX ) and they are refusing to submit this request and are requesting my XXXX paperwork.
Rushmore Loan Management purchased my VA loan but is completely ignorant of the VA loan, and is unwilling to assist me in this matter.
|
| 04/30/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Rushmore Loan Services called me on XXXX/XXXX/XX/XX/XXXX at XXXX XXXX ET to demand my XXXX payment, which I had made the day before -- the due date -- via electronic fund transfer. Just a month ago, Rushmore sent me a letter stating my account was delinquent, and I filed a complaint with this agency. The XXXX time they made a bogus collection call was XXXX XXXX XX/XX/XXXX. I had sent a check one week earlier, and the caller stated I was delinquent. I pointed out to the caller that according to Rushmore 's payment coupon there was a ten ( 10 ) day grace period! When I returned to work, I checked my bank account online and saw that my check had actually cleared MY BANK on XXXX XXXX XX/XX/XXXX!
Rushmore is abusive and bullying. I recommend that they be severely penalized -- even shut down for this on-going pattern of abuse. How many victims do not know their rights, or have access to prove Rushmore 's abusive behavior?
|
| 09/04/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I filed a lawsuit against XXXX Bank XXXX XXXX, AS Legal Title Trustee for XXXX 2016 XXXX XXXX XXXX. Their address is XXXX XXXX XXXX, XXXX XXXX, Minnesota XXXX I have attempted to settle dispute, have not heard anything about my offer. XXXX XXXX XXXX XXXX and Trustee of XXXX both have the same location to be reached by mail address is XXXX XXXX XXXX XXXX, XXXX, XXXX, California XXXX.
XXXX. Need address and location to serve civil summon and complaint of court documents to XXXX Bank XXXX XXXX, AS Legal Title Trustee for XXXX 2016 XXXX XXXX XXXX, for civil case from me the plaintiff in this case. XXXX. Need their legal representation information of who to contact about my civil summons, name of person, name of law firm, and direct phone number to reach that person and them. XXXX. All communications should be address to me the homeowner of the property ( no one else ) I am representing myself in this civil case # XXXX.
|
| 03/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
This is the fourth time I'm sending this complaint about reporting my account late when it should be reported current. I have called Rushmore numerous times and even spoke to someone at XXXX. The representative at XXXX informed me that an update has never been submitted to correct the error. They also informed me that it should be submitted electronically, which it never has been. I'm extremely frustrated with Rushmore Loan Management Services because this should have never been submitted in the first place. I received a modification in XXXX, shortly the loan was transferred in XXXX to XXXX. I made XXXX trial payment before the transfer. I was also told by Rushmore there would be no credit reporting on the account until XXXX. Since my account was closed and transferred in XXXX no late payment should have ever been reported. I would like this removed immediately since this is the fourth time I'm making the request.
|
| 06/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I submitted a Loan modification. I have been going back and forth for months. They bank asked me for updated bank statements weeks ago which was sent on XX/XX/31. Today they advised that they want business bank statements. This is the first time they asked for business bank statements which I do not have and I told them this verbally. Now they are stating it is within 37 days of my sale date and they will not review my file. This is beyond unfair the way these servicing companies treat customers in default. They find ways around reviewing files with the 37 day rule. They request documents over and over again and once they have them they decide to add in an additional document that was never asked for in the past. If they needed business bank statements they could have asked months ago for it. Instead they waited until the file was finally complete and then they ask for the additional documents for the first time.
|
| 07/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I set up a payoff with Rushmore and my deadline to pay off was on XX/XX/XXXX. I made a same day wire transfer on XX/XX/XXXX for {$50000.00} to their XXXX XXXX account. They started calling me asking for {$200.00} because I missed the XX/XX/XXXX deadline. They claimed they hadnt received the payoff until after the deadline on XX/XX/XXXX. I emailed and faxed them proof of payoff showing a XX/XX/XXXX pay date. Was told I would get a call back last week or early week worst case and heard nothing from them. Yesterday, I called to get a status as I noticed they refunded me the {$50000.00} back to my bank account. Who refunds {$50000.00} for a {$200.00} problem that they couldve just did an override after showing proof???!! Oh, this company does! The supervisor told me they were still working on it and he had no answers. I paid them in full and they refused to release my deed. Now they refunded my money with no answers.
|
| 03/07/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
Rushmore Loan Management, Rushmore Loan Management Services LLC Customer Service Department XXXX, CA XXXX ( http : //www.rushmorelm.com/ ) requested a set of documents prior to my submitting a modification request by the request date : XX/XX/2017. I submitted all required documents, of which included a Quit Claim Deed that I had to pay {$1600.00} for in XXXX County and a statement that included the dissolving of my relationship with my domestic partner whom I never married legally. I submitted both. After the deadline, they informed me that I could not qualify for a modification due to failure to submit all required documents : a legal separation agreement, of which I could not have due to never being married and a promise to post {$27000.00} K to suspend the sale date on the property. They clearly lied about what I was required to submit and waited until after the deadline to change what was initially requested.
|
| 01/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Complaint # XXXX This complaint is not resolved. The loan servicer continues to send me incorrect information in response to the Question " Who owns my loan? '' Rushmore has told me the owner is XXXX XXXX on approximately 10 occasions. However, XXXX XXXX has clearly told me and Rushmore that they are not the owner nor does XXXX XXXX have any authority to make any decisions regarding my loan. This also conflicts with Rushmore 's statement 's as Rushmore has told me they speak with the owner regarding the decisions on my loan - including loan modification, payment proposals, and foreclosure.
Please help me as Rushmore continues to give me the wrong information and then pretends the issue is resolved. An incorrect response is not acceptable.
Please help me get this resolved as Rushmore has also made multiple miscalculations on my loan balance and is then using this incorrect information to begin Foreclosure.
|
| 11/30/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have owned my condo for ten years now and faithfully paid expenses related to my home such as mortgage, property taxes, Homeowners Assoc Fees, and homeowners insurance policy. Last year, XX/XX/2017, my mortgage had a balloon payment become due and Lender stopped accepting my payments. I did not qualify for a refinance through an outside Lender source and found myself caught in between a rock and a hard place. Meanwhile, I had some medical expenses and fell deeper in financial hardship.
Ultimately, I have been denied mortgage assistance until I consulted with a Foreclosure Prevention Advocate. The advocate and I contacted my Lender and I was advised that mortgage assistance is a possibility. However, there seems to be a question of whether the Lender has 37 days prior to the sale date to process my request.
We are told it is up to the XXXX XXXX XXXX ( a XXXX XXXX Trust ) whether or not to postpone the sale.
|
| 11/10/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Rushmore used Attorneys that submitted fraudulent papers on the Court not only in my case but in dozens of other mortgages. Rushmore and their Attorney deliberately and knowingly committed fraud upon the court in numerous counties against numerous properties to fraudulently obtain assignments to foreclose on properties. They submitted and affirmed that all documents were accurate when they were submitting documents where the notary had their license suspended or revoked as long as XXXX months to a year before the documents were notarized. This is just XXXX of the many frauds this firm committed along with their title companies and servicers. I intend to notify attornies that are presently revisiting cases and those that represented lost foreclosure cases and the persons who had their homes foreclosed on. They should be able to have their cases revisited also, who knows how much fraud is in all these cases.
|
| 07/29/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
called and spoke with two customer service reps and a supervisor Rushmore has changed the amount of my mortgage payment without my permission and without contacting me. I have spoken with 2 representatives and a supervisor and the issue has not been resolved. I am sending a letter to their DCA department as requested by the supervisor. My monthly payments have been since the original loan ( XX/XX/XXXX ) {$750.00} plus interest. Last month I submitted the {$750.00} + {$170.00} requested for the month of XX/XX/XXXX. When speaking with the supervisor I was informed that the previous mortgage companies were charging an incorrect amount regardless of the original documents which were sent to Rushmore. I would like assistance in resolving this matter .Documents from the website indicates 2 different amounts due. ( {$970.00} and {$800.00} the XX/XX/XXXX statement indicated that {$750.00} was the mortgage payment.
|
| 05/14/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I started my loan modification with Rushmore Loan Management Services in XX/XX/XXXX, We had come to an agreement just before the sale date of the house. The only problem was that I had never consulted with a Attorney, and I was afraid to sign any paper. I went and saw a Attorney and they suggested bankruptcy to stop the sale. Now Rushmmore will not agree to the original terms in XX/XX/XXXX, which was {$7500.00} and {$1500.00} per month for 3 month at that time a final modification if I was current. One week ago I gave them {$20.00} down and they raised my monthy payment {$2500.00} per month, setting me up for failure again. This is the payment I had before and was not able to keep up with it. I do n't understand this is no modification. My father use to help with the mortgage payment, since XX/XX/XXXX he XXXX at the age of XXXX, now he is XXXXyears old and all his social security goes to XXXX expenses..
|
| 07/08/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My cousin passed and I became the " Successor in interest '' on the mortgage. The mortgage was taken out in XXXX and refinancing would save about {$1000.00} each month! I have been trying for several weeks to get XXXX XXXX XXXX to send a Mortgage Payoff Estimate to my title insurance company so I can have my mortgage refinanced. ( Rushmore services mortgages but does not do any refinancing. ) I have faxed, called, and uploaded documents to their website, XXXX XXXX 's website ) almost every day for two weeks to simply get a XXXX XXXX. They keep saying that they can not read my " third party authorization '' ( which is a lie ) ; and will not accept my telephone calls as a valid request for a XXXX XXXX XXXX which is dishonest and unethical behavior on their part ). I really need them to send me or my title insurance company the XXXX XXXX immediately good to XX/XX/XXXX! Immediately and with no more delays!
|
| 04/24/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
Hi we were approved for a mortgage in XX/XX/XXXX for a house in XXXX, GA. We were financed by XXXX XXXX XXXX. They sold the loan to XXXX and then we refinanced with XXXX. Eventually XXXX sold the mortgage back to XXXX. XXXX placed deferred interest on our loan, but we were never late and could not understand why this was done to us. We filed bankruptcy around XXXX and continued to make on-time payment. After the bankruptcy, we were still with XXXX and they tacked on more to the deferred interest going up to {$20000.00}. We are still paying the interest and not just the principle. We believe we are the victims of predatory lending. We have tried repeatedly to talk to XXXX about it, but they went out of business. We tried to talk to XXXX and then they went out of business with no resolve. Now our loan is with Rushmore and they are referring us back to XXXX to address this problem. Please help. Thank you.
|
| 01/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
This company has been very deceiving. I received statements staying i was up to date with my loan for two to three month. Then i received a call stating that i have an agreement which i do not, and that i was behind. Then after the call i received a statement with a different amount. This is very confusing and deceiving and it 's damaging my credit, one month they report i am on time and not behind, then the next month they report foreclosure status all while i have been paying my monthly payments according to my statements. They need to make a forensic payments investigation with the underwriter department. In the state of MD they are required by law to send intent to foreclose and i never received such notice. I checked my credit and it was updated to foreclosure proceeding started on XX/XX/XXXX that 's how i know. They are illegally practicing collection efforts and taking advantage of the consumer.
|
| 02/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Hi, I am having a problem with RUSHMORE LOAN MANAGEMENT reporting my account late, if I am on a trial loan modification period. You shouldn't have been reported my account s being late. Borrowers who enter into the trial modification period should NOT be reported as late, according to servicer guidelines for XXXX XXXX, XXXX XXXX, as well as other loans ( " non-GSE loans '' ) being modified by HAMP-participating servicers. With that being said XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX is being reported incorrectly. With that being said this account should be deleted ASAP. With this being said please delete this account from my credit report. I have the right for an accurate credit report under FCRA. On XXXX report you reporting my account was on time but XXXX and XXXX you report me as being late. that alone is a mistake you made it have to be deleted. see attachment.
|
| 07/06/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
We currently have a Loan Forebearance with Rushmore Mortgage which was established via the Loss Mitigation Department through XXXX Mortgage and they are constantly harassing us on a monthly basis by continually sending a Loss Mitigation Packet! We have already been approved for Loss Mitigation and I have also spoken to the PoC in XX/XX/XXXX regarding our Forebearance which she finally acknowledged goes through XX/XX/XXXX. Therefore, we should not constantly receive a Loss Mitigation Packet Every Month! We should only receive the statement of account regarding monthly balance owed to ensure we have the same accounting/reconciliation of account. We also should not be receiving Notices Placed on our Front Door from Rushmore Mortgage Servicing, since we are currently in a Valid And Approved Loan Forebearance Agreement! Pleases stop harrassing us as if we have done nothing to remedy our Mortgage Account!
|
| 11/02/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am a consumer of the United States and Rushmore LMS is a debt collector which is stating that I have alleged late payment, in which i paid on time. According to title 15 usc 1692 - congressional findings and declaration of purpose, they are in violation because reporting this to my consumer report has had a huge effect on my getting a job. Which is forcing me to have marital instability. I need them to update these alleged late payments and change them to on time payments within 5 days or I will pursue litigation. They also violated the FDCPA 15 usc 1692e - false or misleading representations- because they are false representing my character because they are accusing me of a alleged late payment and i paid it on time. Attached to this complaint is a cease and desist, that was sent certified mail and green return slip on XX/XX/XXXX. Stating all the violations and harm, Rushmore LMS has committed.
|
| 01/15/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Rushmore states that the payoff was good until XX/XX/2018 and had it been received the sale would have been rescinded. They continually skirt these complaints with half answers. THEY PICK AND CHOOSE WHAT THEY WANT TO ANSWER!!!
THE PAYOFF LETTER WAS MAILED TO ME ON XX/XX/2018 I DID NOT RECEIVE IT UNTIL AFTER THE SALE??? SO PLEASE INSTEAD OF AVOIDING THIS QUESTION TELL ME HOW I WAS TO PAY IT OFF IF I HAD NO FIGURES UNTIL AFTER THE SALE THE FORECLOSURE SALE DEED SAYS {$100.00} IF THE HOUSE WAS NOT SOLD FOR {$100.00} WHY DOES THE DEED SAY {$100.00} RUSHMORE CONTINUALLY IGNORES THE PROOF OF NON SERVICE WITH DOCUMENTED PROOF OF DIFFERENT ADDRESS THEY KEEP ATTACHING PROOF OF SERVICE TO INCORRECT ADDRESS THOSE ARE JUST A FEW OF THE ILLEGAL ACTIONS IN THIS FORECLOSURE CFPB IS SUPPOSED TO PROTECT THE CONSUMERS HOW DOES THAT OCCUR WHEN YOU ALLOW THEM TO JUST SKIRT ANSWERS AND NOT EXPLAIN THE REAL QUESTIONS
|
| 03/21/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I started talking to Rushmore home loans about a possible modification in XXXX of last yr because I was having trouble making the mortgage payment a 9 % interest rate. I am upside down on value and can not refinance without having to pay the mortgage down. By XXXX, no resolve had been made. They kept asking for updated financials about every 30 days and said their review process takes 30 days more. I got frustrated with waiting on their answer and contracted with XXXX XXXX who said they could negotiate a lower payment with Rushmore since my rate was 9 %. I had to go through the same process of submitting financials in XXXX, update in XXXX, XXXX and XXXX, when finally Rushmore has offered a modification to change my payments from {$1800.00} to {$2400.00}. How does this help me???? I am at a complete loss, because I started this process as a hardship request to lower my payments an stay in my home.
|
| 06/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
We needed help with our mortgage payments after facing COVID-related employment challenges. We worked out a forbearance plan with our loan servicer at the time was XXXX XXXX but loan was sold to Rushmore in 2020. They stated that forbearance would be honored and after we can apply for a loan modification under the Covid umbrella. We found the communication process difficult because it was a struggle to get consistent information.
We were assigned a liaison, but it felt like they were never available nor did they seem to have the correct answers. It didnt seem like the representatives documented their conversation either, because we had to retell what was going on each time.
They told us our credit report would not be affected due to Covid and while we waited for a decision, but each month they kept reporting the negative balance. It is showing now 180 days past due although account is current.
|
| 07/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
I have been denied for modification twice now and not properly reviewed. Rushmore has stated that my DTI needs to be below 35 % and my DTI currently is 34 %. I have appealed twice now breaking down details of my GUARANTEED income versus my expenses, and my debt to income ratio is well in the approved threshold. Rushmore refuses to take into consideration that I get paid in cash from my grandchildren mother, even though she has written a letter, and legally signed it stating she without fault, makes payments to me every month for taking care of them. I would like nothing more than to save my home for me and my grandchildren and be reviewed for a modification and get back on track with my mortgage with payments I can afford. It has been over 6 months that I. have been fighting for my home. As a widow and an almost XXXX XXXX XXXX woman, I would like to be in peace knowing that my home is secure.
|
| 01/25/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
( This is a continuation of a COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX. ) I previously complained that Rushmore Loan Management Services continued to withdraw more than they were authorized to withdraw each month. After I complained to you, Rushmore Loan Management Services stopped withdrawing the unauthorized amount during the month of XX/XX/XXXX. However, in XX/XX/XXXX, Rushmore Loan Management Services began withdrawing unauthorized amounts from my bank account again. When my bank stopped payment on Rushmore Loan Management Service 's unauthorized withdrawals, Rushmore Loan Management Service retaliated by requiring that I only use certified funds to make future payments.
In correspondence dated XX/XX/XXXX, Rushmore Loan Management Services stated they had records which show I authorized them to withdraw in excess of {$1000.00} from my account in XX/XX/XXXX, XX/XX/XXXX, and thereafter.
|
| 10/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Lien release
|
|
Web |
|
|
XXXX XXXX XXXX is being sued by me and has been served. They allege they repurchased loan XXXX XX/XX/2023. The transfer names you, Rushmore as substitute trustee. XXXX XXXX appears to be making agreements with and contracts with you granting you with power to foreclose on my property. It is unclear to me what is happening with fraudulently induced loan XXXX because XXXX XXXX has taken affirmative action to block any and all communication with me since the alleged transfer. The loan was properly canceled within the three day period, alameda agreed to cancel and rescind in writing, and all money and beneficial interests were returned to XXXX in check XXXX.
Please let me know if you are trustee, substitute trustee, or hold any interest my home. If so please note that there is a case pending at state court regarding any and all interests XXXX XXXX has in my property recorded on my title.
|
| 06/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have written numerous of letter sent certified and registered mail to this servicer Rushmore Loan Management Service to provide information regarding this mortgage and the note. They refuse to give me the information I requested. Never received the original wet ink signatures only photocopies. This property was constantly trespassed on by Sheriff stating that XXXX XXXX XXXX XXXX XXXX XXXX XXXX is trying to foreclose on this property which I didn't received a document stating that they are the noteholder or they have a contract with me assigning them as a trustee nor have right to foreclose. I never received a court date for the foreclosure or anything. Recently visit with a realtor coming to take pictures of this property which I was not aware of. My rights has been violated under the Truth and Lending Act, RESPA, and FDCPA by these people and is threating and getting out of hand.
|
| 02/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In XX/XX/2018 my loan was transferred to Rushmore loan management. I asked for a loan modification before we made any payment to them. They started the process and it took them several months to approve it, while waiting for a decision we were instructed to make several payments to the modification unit on the dates which was specified. When the modification was approved we made our first monthly payment as instructed. Our loan has been reported to all 3 credit bureaus as being late 120 days for those months during the modification and I don't think that's fair to us because it has kept my credit score low and has caused me many denials for credit. We had never missed a payment or being late once the modification was final our payments have always been on time and it reflects that on my credit report. I would welcome any assistance with this matter that you could provide. Thank you.
|
| 08/05/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I 'm very upset! I am XXXX days away from my auction date and my bank is refusing to help me do a short sale on my home. I know that I am allowed a chance! Other short sale negotiators/realtors have told me I have a chance, too. I keep getting told that this is an automatic decline because there is " not enough time to review short sale per investor guidelines. '' I am working with a realtor who is a short sale negotiator and says that according to XXXX and XXXX XXXX, I can start the short sale XXXX days prior to the auction date while according to CFPB, I can start it XXXX days prior to the auction date. My loan is not a XXXX or XXXX XXXX but it 's owned by a private investor, which means I 'm still in the window to start the short sale prior to the XXXX days. I 'm very frustrated! My short sale negotiator is n't able to get anywhere and neither am I and this does n't feel right.
|
| 02/09/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Rushmore Loan Services has repeatedly made account errors on my loan files. I have 4 loans at Rushmore Loan Management Services ( https : //www.rushmorelm.com/ ). I am NOT able to access any of my loan data using their on line system. Each and every time I MUST call in, spend 1 or more hours on the phone to deal with their offshore " support team ''. These people are not well trained and the impact is often times I need to call back in to get the critical information I need in order to manage my accounts.
Just last week Rushmore made a substantial miscalculation to one of my loan accounts which caused my payment to increase {$330.00} per month! This is financially impactful and an error not caused by me. THEY must make this right!!
I wish my broker NEVER referred these loans to Rushmore and I will be contacting the lender to have these loans moved to another processing company
|
| 12/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
A check for a roof repair was issued by the insurance provider. I spoke to the mortgage company around 8 weeks ago. I was told that the check was going to be held in escrow.
I was told that my delinquent account with my mortgage company and negative payment history was the reason that the check was going to be held. I was going to get payments in 3 portions. I was told that the check would be made out to me, my former wife and the roofing company of my choice. I was told today that on XXXXthe full funds were released to my former wife. The roof repair was and has not been done. The insurance company will not look into my claims. I want to investigate the mortgage company and find out why they release the full amount of the insurance check. Why weren't the funds held like they told me they were going to? Rushmore loan management is not upholding their legal rights to consumers.
|
| 11/04/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/2019, we received notification from Rushmore in that our mortgage assistance request was denied. However, the lender failed to comply with certain requirements pursuant to treasury Loss mitigation requirements. Currently, the only loan modification option is the Standard loan modification. lenders must performed an evaluation which is refer in the guidelines as to the NPV report in order to make an adequate assessment. The lender failed to provide a copy of the appraisal, per Federal guidelines a homeowner is entitle to receive. In addition, per treasury guidelines, lenders must provide detail information as to why the negative NPV results. We are under the impression that the lender never processed the loss mitigation request and is the reason no appraisal was conducted. It is obvious that the lender acted in bad faith while ignoring all loss mitigation Federal Rules.
|
| 10/20/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
We recently got notice for XXXX XXXX that our property taxes were not paid. We received a notice that our house was going to be put up for tax sale because of the unpaid taxes.
We received a corrected tax bill and were also notified that the corrected bill was sent to our mortgage lender as well. They obviously did not pay attention to the bill. We had to call and had to waste our time sending them our documents showing that the bill was unpaid.
I asked multiple time for notification that the payment had been issued. They did not contact me back. I see on our loan account that the disbursement was sent. However, I don't know if the payment will get there on time and I don't have any information on whether or not they paid the fees for the past due amount.
We have until the XXXX for the payment to be sent there and I don't see the payment being posted to XXXX XXXX sight.
|
| 12/12/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Older American |
|
My loan got sold from XXXX XXXX to Rushmore loan Management which is a collection agents. I never miss or was late on a payment ever of any kind. When contacted company for first time I asked when I make payments more than what's do will they go to principal they said sure and I did not have to call it would be auto. I started making double payments per month and checked a couple a months later to find out they where applied to future payment as if they were being paid on time the month they were due. So I didn't have a payment due for three month, so when I waited for the next due date cause they would not answer by calls or e-mails to them. The next on time payment was applied all to interest no principal so my wife and me with XXXX credit score went shopping and changing to XXXX XXXX for lower rate and better service, I was done wrong and want it to be known and reported.
|
| 03/11/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
This is follow-up to prior complaint number XXXX. Rushmore Loan Management Services is trying to collect a bogus debt I do not owe for alleged new loan number XXXX that I never took out with their company and/or XXXX XXXX XXXX XXXX acting as ostensible trustee. The original loan XXXX with XXXX XXXX XXXX XXXX was cancelled by XXXX XXXX : XXXX County court clerk, case # XXXX. Now Rushmore attorneys are opening the same court case to collect on a new bogus debt. XXXX XXXX XXXX XXXX XXXX Chief Operating Officer, XXXX XXXX received a promissory note for full settlement from me and agreed not to sell my note but to pay me {$1000.00}. per day and then {$10000.00}. per day respectively for every day she failed to delivery my free- & -clear title. Her company was also invoiced for services rendered to the property. See lien filed with XXXX County Register of Deeds : Document # XXXX.
|
| 10/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
As an owner on the subject property 's title, I have been making mortgage payments to Rushmore, and the company had been accepting payments. Payment processing issues began on XXXX XXXX, 2021, when I called Rushmore ( XXXX ) to make XX/XX/XXXX2021 mortgage payment over the phone according to the amount due ( {$1600.00} ) on mortgage statement dated XXXX XXXX, 2021. Representative ( XXXX ) said Rushmore was not accepting any payments. On the same day, I mailed a check to Rushmore to pay for XX/XX/XXXX2021 mortgage payment ( USPS certified mail tracking # XXXX XXXX XXXX XXXX XXXX ). The mail was delivered, but the check has not been deposited by Rushmore as of XXXX XXXX, 2021. Although the loan is current, Rushmore is not accepting any payment, intentionally causing the loan to be delinquent, forcing the loan to go in default then subsequently foreclose the subject property.
|
| 08/12/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I finally got my modification finalized and I asked that the company put in writing that my mortgage investor does not participate in forgiveness of principal. I put this request in writing XXXX in the month of XXXX 2015. To date I have received no response. I was sent a form for automatic debit of my new mortgage payment and when it was n't debited I called in to find out why. They stated they were behind and would set it up. XXXX XXXX was my first payment date and nothing has been debited. All the credit bureaus are showing a past due mortgage balance and do not reflect my modification. I contacted my mortgage provider, Rushmore and they stated in XX/XX/XXXX this would be taken care of at the latest XXXX XXXX. Nothing has happened and I am being denied business loans.
I have proof of all my claims, delivery confirmations, names of employees that I spoke with etc ....
|
| 03/21/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
After my loan was transferred from XXXX XXXX XXXX to Rushmore Loan Management, they would not accept any payments onto my account. I was advised to fill out a loan modification packet which I did and was denied. A denial letter was mailed to me where it indicated the reason why I did not qualify for a loan modification. The income they calculated was incorrect as well as the additional identifying facts they stated were also false and incorrect. I appealed the denial letter and Rushmore Loan Management refused to respond to my appeal and failed to address the errors at hand. Also they never sent me a notice allowing me an opportunity to reinstate the past due amount. There letter stated that I was not eligible for a modification because I failed to send proof of the good faith payment however, they never offered me any good faith payment or discussed any amount to send.
|
| 08/04/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Rushmore Loan Management Services LLC ( RLMS ) purchased my mortgage from XXXX XXXX XXXX in XX/XX/XXXX. I was assured the my loan payment would not increase, however, since XX/XX/XXXX, RLMS has continued to increase my loan payments stating variety of reasons such as home insurance increase, property tax increase and escrow shortage. I requested to have my loan account to be reviewed for the listed shortages and the company did not respond for 4-6 months. XX/XX/XXXX I received another report listed escrow shortage, this time much larger that the last. I am sending my written request to RLMS on XX/XX/XXXX for yet another investigation in the shortages. My home insurance and property tax increased for an annual total of {$97.00}, not even close to what the RLMS ' shortage amount of {$780.00}! Please advise on proper legal action so that this company does not commit fraud.
|
| 06/16/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
My case numbers are XXXX-XXXX-XXXX XXXX and XXXX-XXXX-XXXX. XXXX. I have additional documents I need to provide but unfortunately I do not have a username and password. On XX/XX/XXXX, XXXX XXXX misappropriated my mortgage payment instead of correcting its system on XX/XX/XXXX, it filed foreclosure proceedings against me. From XX/XX/XXXX until the present XXXX XXXX have filed false claims using the same transaction on XX/XX/XXXX, as an excuse to financially abuse me. On XX/XX/XXXX, the Federal BR Court held that XXXX XXXX 's claims and filing were invalid. On XX/XX/XXXX, after I paid my property taxes, On XX/XX/XXXX, XXXX XXXX reversed the payment as well as added a known abuser 's name to the complaint whose name is not on the note. XXXX XXXX continue to publish a false chain of title which eliminated the first ten pages of the document attached to their false claim
|
| 01/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am showing up on my ex-wife 's mortgage that she got after we were divorced on the property that we once we're purchasing together however I have signed off on the property this is a new mortgage for her and her only but my information shows up on the mortgage account it says that the mortgage started XX/XX/XXXX however I am showing up on my ex-wife 's mortgage that she got after we were divorced on a property that we once were purchasing together however I have signed off on the property this is a new mortgage for her and her only but my information shows up on the mortgage account it says that the mortgage started XX/XX/XXXX however my looking at my records she refinanced it in XX/XX/XXXX we have been divorced since XX/XX/XXXX this is really affecting my credit scores my debt to income ratio and causing problems for me to not be able to get a home loan for myself
|
| 03/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I have owned my home for 20 years. I am XXXX years old. The loan was originally a VA loan. It was then refinanced as an ARM pick a pay. It was sold from world to XXXX ( or XXXX to XXXX, then to XXXX XXXX and finally to Rushmore Loan Management where the biggest problems started. My interest rate when Rushmore bought it was,XXXX in XX/XX/19, then It Dropped to XXXX, then to XXXX. They started with monthly payments of {$1600.00}, they raised it to {$1700.00} in XXXX. Then {$1800.00} in XXXX which I couldnt pay yet. My interest rate drops and my monthly payment goes up.
Their excuse is they want to catch up on amortization. I only owe about $ XXXX and the value of the house is over $ XXXX. I spoke to XXXX, a supervisor today to explain I cant pay yet. They cant send faxes. Their web sit is not fully Working.
They asked me to mail them authorization to talk to you.
|
| 11/09/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Rushmore Loan Management bought out our loan was told I was 3 months behind my husband 's daughter paid the loans to catch it up. I paid off the loan early I thought logged into the web site it says I owe almost 16.00. I then received a notice that I owed a deferred payment of almost XXXX called and was told that I have three payments behind was told that I could make payments until it was paid because it is due in XX/XX/XXXX so I sent XXXX last month they kept the money it shows it is in escrow account sent XXXX More then sent XXXX to make sure the deferred payment was paid off. Noticed today the second payment of XXXX was returned plus the XXXX was returned. I called them was told we do not take partial payments but yet they still have the first XXXX I sent and I'm still getting letters that if I don't pay it off beforeXX/XX/XXXX they will foreclose on our home
|
| 03/21/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
So I got a loan modification and XXXX from XXXX help me to do it it took a year to get my loan modification done I did n't miss a payment or was I late so tired of Rushmore so XXXX called me from Rushmore today to have me send more papers to them that me and XXXX have sent to them when my modification was done we talked to a manager and they said they had very thing they needed now they want more paper work from me that have already have sent to them when I made my last complaint and I sent out the papers work out again to day XX/XX/2017 I do n't know if I will ever get my statement from Rushmore my loan # is XXXX thank u so much XXXX someone need to fire a lot of people at Rushmore the customer service reps will not let u talk to a manager and if they do they put u on hold and then hang up on you and when u call back they do the same thing so please help if u can
|
| 01/26/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
RUSHMORE LOAN MANAGEMENT SERVICES IS A THIRD PARTY DEBT COLLECTOR. I Have sent them several notices asking them to cease contacting me regarding this debt. They became the servicer while, I was trying to remodify the mortgage. The Old servicer transferred assignment to them which cause the process to start all over again. When were not behind on the mortgage, but the old servicer would not accept payment while the remodification was in process. 1 year went by and they transferred the assignment to Rushmore Loan management Services LLC. Rushmore Fraudulently referred this Mortgage to XXXX XXXX XXXX XXXX XXXX to commence Foreclosure proceedings. Rushmore Claims XXXX is the note holder. XXXX has not responded to any notices, only XXXX has responded my concerns that were addressed to XXXX claiming that I do not have an account with them. See attachments for details.
|
| 05/20/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
With the help of a XXXX certified housing counseling agency, I submitted a complete loan modification application to the servicer of my mortgage, Rushmore Loan Management Services. Eventually, the servicer provided a letter dated XXXX XXXX, 2016 acknowledging that my application package is complete ( attached here ). But then I received a letter saying that the servicing of my loan will be transferred from Rushmore Loan Management Services LLC to a different company effective XXXX XXXX, 2016.
I do not think this is right. Rushmore 's first letter acknowledging my application says they will have a decision within 30 days. So they should decide about my loan modification before transferring the servicing. It would not be right for me to have to start all over with the process. Rushmore already created unnecessary delays that have caused me to get further behind.
|
| 05/13/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
Further to Rushmore Loan Management Services response letter dated XX/XX/2022 ( attached - 3 ), Rushmore Loan Management Services claimed that I did own or short pay for the payoff funds for {$160.00} as of XX/XX/2022, total payoff due {$200000.00} which is incorrect and misleading.
According to your instruction/ payoff letter dated XX/XX/2022 ( attached -2 ), it has been stated clearly that Through XX/XX/2022, the required payoff amount is {$200000.00}, based on the instruction, I have been settled and full paid on XX/XX/2022 by TT payment before the deadline ( i.e XXXX XXXX, XXXX ). ( attached-1 ) As the professional and reputation of the loan management company, ensure all the data is correct, and please make sure to provide the correct information.
If there is an overpayment due, the refund will be issued to XXXX XXXX, at XXXX XXXX XXXX, XXXX, FL XXXX.
|
| 03/11/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
This is follow-up to prior complaint number XXXX. Rushmore Loan Management Services is trying to collect a bogus debt I do not owe for alleged new loan number XXXX that I never took out with their company and/or XXXX XXXX XXXX XXXX acting as ostensible trustee. The original loan XXXX with XXXX XXXX XXXX XXXX was cancelled by XXXX XXXX : XXXX XXXX court clerk, case # XXXX. Now Rushmore attorneys are opening the same court case to collect on a new bogus debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX received a promissory note for full settlement from me and agreed not to sell my note but to pay me {$1000.00}. per day and then {$10000.00}. per day respectively for every day she failed to delivery my free- & -clear title. Her company was also invoiced for services rendered to the property. See lien filed with XXXX XXXX Register of Deeds : Document # XXXX.
|
| 12/08/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Before my mortgage loan closed, the underwriter stated that a condition of closing was that my flood insurance policy had increased to the replacement cost estimator provided by the insurance company. This was done and the loan was approved for closing. After the loan closed, the same mortgage company came back and requested that I increase my flood coverage to {$32000.00} more than the cost to replace my home stating it was their right to do so and acknowledged it offered me no benefit.
If this was truly a requirement for this loan, it would have been required by the underwriters before my loan was cleared for closing. I feel this is an unfair business practice and is causing me to over insure my home. I would not recommend this mortgage company to anyone.
I have attached email communication from the lender to myself and the insurance agent before closing.
|
| 05/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
I am complaining about an improper reporting of a 30-day late mortgage payment that was not my fault. I submitted my payment on the loan servicer 's website and received an email confirmation that my payment was received. The next day, I received a second email confirmation that my payment had been processed.
However, due to an auto-fill function on the website, apparently, my routing number became corrupted which caused a data processing error, and the bank never received or processed my payment. I did not receive any notice of this fact until after the payment was 30 days late, at which time I immediately re-submitted the payment.
I do not feel that I am responsible for the data processing error which is resulting in a 30-day late report to the credit agencies. I have never made a late payment on this mortgage and otherwise enjoy a perfect credit report.
|
| 02/17/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have 4 loans with Rushmore Loan Services. All of these loans are commercial and NOT under my personal ssn.
RUSHMORE has inaccurate tax id 's on ALL 4 loans and as a result my tax statements are not correct and will be denied by the IRS.
Also, in XX/XX/2023 letter from Rushmore they claim the loan where not registered on line and this statement is a lie.
Also, The RUSHMORE website is still not operational and with a conference call XXXX ID # XXXX, Supervisor reqarding this issue, he also acknowledge the problems associated with my accounts- as does XXXX XXXX Consumer affairs and practices analyst at Rushmore.
I am not able to access any data from Rushmore. I have filed XXXX complaints with them to resolve this issue. NOT 1 issue has been resolved and I am left to call Corporate at XXXX XXXX XXXX and to look into a class action lawsuit against Rushmore.
|
| 11/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I applied and received a XXXX forbearance back in XX/XX/XXXX for 6 months. In XXXX my mortgage was sold to a new company and I resumed payments in XX/XX/XXXX then the mortgage was sold again in XXXX to my current mortgage holder and I made a couple of more payments. In XXXX the stoped taking payments. I applied for a loan modification with them providing proof of pandemic forbearance and income etc.I was denied in XXXX. I was approved by my original mortgage provider to make payments. But My new company wont take them. Any help is appreciated. Time is of the essence XXXX is 6 months since they stopped taking payments they say I am 11 months behind, 6 from XXXX relief and 5 from them not accepting payment, they have been wanting all missed want all payment in full, I am being forced into foreclosure. this is also my primary residence. Thank you in advance.
|
| 06/04/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
~I am a victim of identity theft. A forensic audit shows an identity thief used my personal information without permission to create mutual fund investment account securities violating the Privacy Act 1974.
I have enclosed : 1 ) proof of my dispute letter to Rushmore Loan Management Services, LLC. 2 ) My Federal Trade Commission Identity Theft Report. 3 ) A copy attached the police report case # XXXX I filed with the XXXX Police department. In accordance with the Fair Debt Collection Practices Act, I am asking you to immediately stop all collection activities about this debt, ALL TRUSTEE SALES, including reports to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of identity theft and to stop and correct.
Stop and Correct ~ : Title~42 : USCS~1986 Knowledge and Stop-Correct-Wrong.
|
| 04/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My previous loan servicer XXXX XXXX had sent me documents that they were transferring my mortgage to Rushmore Loan Management Services in XX/XX/2019. The transfer took affect on XX/XX/2019. I made my XXXX monthly mortgage payment on XX/XX/2019 to XXXX XXXX. It was an online payment.The documents that came from my new servicer, Rushmore said I had not made a mortgage payment in XXXX. XXXX improperly applied my entire payment to principle. I have been calling Rushmore and XXXX since early in XXXX to get this matter straightened out. Both companies keep telling me the other company has to correct the issue. XXXX told me numerous times they would handle the matter and would give me a call back. Each time they lied. Now they say they can not do anything about it. My loan is showing that I am behind every month and is reflecting negatively on my credit report.
|
| 02/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Cfpb, XXXX XXXX sold my loan to XXXX XXXX XXXX XXXX XXXX, and the new servicer of my loan is Rushmore Loan Management Services . On XX/XX/2022 I wrote a inquiry letter to Rushmore Loan Management Services requesting a copy of my XXXX mortgage statement, payment information and any other documents related to my loan. My loan is current and in good standing. Rushmore loan Management has not sent me any of these documents that I have requested. I called Rushmore loan management customer service and was able to get my new account number and was told my account was being audited. My account is current and in good standing. I made my XXXX mortgage payment on XX/XX/2022 to Rushmore loan Services by XXXX XXXX. My XX/XX/2022 balance should be {$21000.00}. I am current on my mortgage payments and I would like the information I requested. I would appreciate it.
|
| 12/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I submitted a full, entire modification Package, confirmed by rep at Rushmore Loan management. The full package was received on XX/XX/2022, 40 days before foreclosure XXXX here is the email time stamp attached They are not stopping foreclosure sale as per federal law stated below : Prohibition on foreclosure sale. If a borrower submits a complete loss mitigation application after a servicer has made the first notice or filing required by applicable law for any judicial or non-judicial foreclosure process but more than 37 days before a foreclosure sale, a servicer shall not move for foreclosure judgment or order of sale, or conduct a foreclosure sale, I have phone calls recorded and proof of full submission within 40 days but they are claiming now that they start counting once package is reviewed. Please assist in having then comply with federal law.
|
| 05/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Upon reviewing the county clerks website for mortgages and deed. I found the attached stating. I was granted a modification in XXXXXXXX XXXX XXXX with the amount owed from the forbearance put to the back of the loan.. XXXX. What is so puzzling I have not signed any mortgage modification papers since XXXX. That modification I was in a disagreement because the modification I signed stated. I had to pay XXXX up front which I could not affordthat was in XXXX. I never signed any agree In XXXX. If I did I wouldnt be going through this back and forth. I would be making my payments. And I couldnt make my regular payments unless I was to give the XXXX XXXX first which I did not havethe date on the notary looks altered so that means I would only be behind from last XXXX. Until now which Rushmore says I owe over XXXX XXXXXXXX. Lets get to the bottom of this.
|
| 09/01/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
This complaint is in regards to my request for a payoff to Rushmore Loan Management Services of my VA Mortgage in XX/XX/2020. The company Rushmore Loan Management Services did not provide a payoff amount to XXXX XXXX my new XXXX XXXX XXXX company when initially requested in XX/XX/2020. The company Rushmore MrLoan Management Services LLC. continued to procrastinate even after I contacted them and asked for a payoff for my refinance. Rushmore finally provided a payoff amount at the end of XXXX but would not process the payment from XXXX XXXX XXXX XXXX until XX/XX/2020, therefore, causing a late payment on my credit for late processing and not adhering to Fair Lending Act regulations. Rushmore Loan Management Services LLC. has not provided my Escrow Refund of {$1700.00}. Rushmore has not complied with the Fair Credit Reporting Act or Fair Billing Act.
|
| 11/17/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Rushmore LM had offered me a trial modifcation on XXXX XXXX. I agreed to it, then withdrew and resubmitted to it. It was approved, at same time i was waiting for them to send reinstatement amount to NJ homesavers hardest hit. Then i recieved notification they recieved documents, i signed the paper work with NJ homesavers and they paid {$50000.00} to rushmoreLM. {$40000.00} for arears and legal fees, balance to reduce principal. I withdrew from the trial, it was approved by Rushmore LM, they took the funds from NJ homesavers, sent notifcation of this and modification withdraw. They never returned my {$6700.00} deposit for the trial modifcation, they said its not refundable, They kept the money. They diverted these funds illegally. The check says deposit for modifcation. If there is no modification, there is no need for the deposit not to be returned
|
| 11/04/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
We are responsible for the upkeep of our property according to the mortgage contract. We filed an insurance claim with the current servicer Rushmore Loan Servicing, however the company is holding funds and are refusing to provide draws in order to complete the work. It is common in the industry for lenders to provide draws based on the percentage of the work performed. The lender issue the first check in the amount of {$17000.00} out of the {$30000.00} projected payment for roof repairs. In order to continue the repairs the contractor needs to get another advance or draw to complete. The lender is refusing to pay claiming that the roof needs to be 100 % completed. Unless the lender advances the contractor for materials and labor we would not be able to complete the work. The lender is acting in bad faith and are ignoring any type of communication.
|
| 08/10/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American |
|
My mortgage was sold to Rushmore Loan Management Services, in early 2018. Since then Rushmore has not paid any insurance which they hold escrow for. In XXXX my homeowner insurance was cancelled until threats were made that if not paid further action would include legal action for non renewal increase of over {$2000.00}. Now as of XX/XX/2018 my Federal Flood insurance has expired due to non payment, this too is escrowed by Rushmore, and Flood Insurance is required by FHA. Rushmore has been sent via FAX and USPS notices dated XX/XX/2018 ; XX/XX/2018 ; XX/XX/2018 and XX/XX/2018. These notices were sent by my agent and carrier Assurant ( XXXX XXXX ) for XXXX. In addition my agent called Rushmore three times to try to expedite.
Rushmore loan number XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX Fax XXXX Help please.
XXXX Property is located in XXXX VA
|
| 03/16/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I was behind on my mortgage due to a financial emergency. I got a lot of positive feed back and was told that I could rewrite for a lower rate and lower my monthly payment to better help with paying on time.
The paperwork I received said the following : ( attached ) Spread it out over the remaining term.
Reducing interest rate Deferring interest and advances extending the term and in some circumstances forgiving the balance owed I was told these and it is in their language on their forms.
However once all was said and done I had no option but to take their option or loose my home.
They raised my interest rate from 3.25 % to 4.75 %, charging me {$500.00} more per month, charged an astronomical amount of fees and penalties, and this was suppose to help? They got the federal bail out, The VA said they should have helped. Th VA isn't helping.
|
| 01/29/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
this is my second communication. I filed initial complaint last week. please see the record for case number. I have filed appeals paperwork with my lender for HAMP Denial. My servicer has not acknowledged receipt of the paperwork nor have contacted me. I have left several messages for my account manager and they have all been ignored. The decline letter I received was dated XXXX XXXX, 2016 in which I was given 30 days to file an appeal. That 30 days is over on XXXX XXXX, 2016. the time is approaching fast. although I have sent all the paperwork to them within the timeframe allowed, they have not started any process from their side. I am afraid that they will claim that they never received my paperwork for an appeal and, will close my case. I really need your help in resolving this. a copy of his appeal was also sent to you last week. Thank you
|
| 07/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Rushmore Loan Management has placed a past due claim on my credit report. Ex husband, XXXX XXXX filed for bankruptcy in 2018 which the outstanding balance of {$25000.00} is already being accounted for in his bankruptcy. I have no involvement in that bankruptcy. Rushmore loan management has placed a claim in my credit report of a past due amount of {$25000.00}, the amount already accounted for in XXXX XXXX bankruptcy. I have informed Rushmore Loan Management of the bankruptcy and that this claim belongs to XXXX XXXX not on my credit report. Placing this claim on my credit report would be considered double dipping and unethical as its already part of an agreement. They have replied to my correspondence and confirmed that they will remove the claim as of date, it has not been removed. This claim is incorrect and should be removed from my credit.
|
| 07/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
Rushmore Loan Management Services XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Loan Number Nothing has been reported to the credit Bureaus we have asked them repeatedly to please report our credit history. Any help would be greatly appreciated.
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Dear Rushmore, We are contacting you to ask for you to report our credit information to the Credit Bureau 's? Our Bankruptcy attorney informed us that you never filed a re-affirmation agreement and that you are legally required to do so. We ask that you promptly provide the information to the credit agencies. This was 12 years ago we have been making payments for all this time and it was included in the bankruptcy. We would appreciate your prompt attention to this matter. Thank you, XXXX & XXXX XXXX
|
| 12/14/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
This property was surrendered to the United States Bankruptcy Court in a Discharged Chapter XXXX Bankruptcy. The US BK Court Trustee has been ordered to sell the property. We listed the property at Fair Market Value due to SQUATTERS in the property who stripped all kitchen cabinets, all light fixtures, outlets throughout the home, damage to the property, broke the double Master Bathroom sinks, the garage door was damaged by the squatters breaking in, the window in the master bedroom is broken out. TOTAL REHAB. We have an offer of $ XXXX and Rushmore, the servicer, states their investor wants to NET $ XXXX. We submitted XXXX and there was a XXXX XXXX XXXX that sold XXXX of 2016 for $ XXXX. I have XXXX comps that support the lower amount. All of the other properties are move in ready. The subject property has no kitchen, no working bathrooms.
|
| 04/18/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
This is not a duplicate. This is about case # XXXX. This complaint is in reference to that case #. I have a family member helping me and she called today because Rushmore loan mgmt. postponed the foreclosure sale from XX/XX/19 to XX/XX/19. We verified that the supporting documents for a loan modification and that the last will and testament and executor ship documents were received on the XXXX of XXXX. Today they are stating that they will not be reviewing any documents because it is less than 37 days prior to the foreclosure sale. Well if the addition in my mind is right excluding weekends that would make it 47 days prior.These people are very evil people. It is my understanding that there are people in the court system that state they want to buy the house at foreclosure and sell it for profit. This is not fulfilling my parents wishes.
|
| 02/16/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My mortgage note was sold by B of A, who I was working on a modification with coming out of bankruptcy, to Rushmore Loan Management. My mortgage servicer is dual tracking me I have sent in at least XXXX modification applications and numerous support documents. While under the guise of assisting me secure a modification of my loan they proceeded the entire time to push the foreclosure through as evidenced by filing dates on various documents. I need assistance because I want to keep my house. I fell behind because I am unable to work. I have secured a steady income stream and can afford modified payments now for at least two or more years. It has been more than thirty days since I was notified of my complete modification application and required documents being received and I still do not know the status of my request for assistance.
|
| 12/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
XXXX XXXX XXXX Trustee for XXXX XXXX XXXX Title Trustee and XXXX XXXX are trying to foreclose with a modification breach of contract that the Servicers of XXXX XXXX, XXXX XXXX XXXX and Rushmore Loan Management have caused harm and pushed us into default and possible foreclosure by using the incorrect figures on the permanent modification dated XX/XX/XXXX with escrow balance figures from XX/XX/XXXX that is a breach of the modification contract in paragraphs 3 A. B and C.
This complaint is being filed against all of the actors listed below in reverse date order. And we demand a reply to CFPB from each and every one of them.
XXXX XXXX XXXX Trustee XXXX XXXX XXXX Title Trust XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ Rushmore Loan Managament XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 06/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Dear Sir / Madam, I have a Mortgage with Rushmore Loan Management Services. I was current and did not miss a single payment since XXXX. However, the effects of Covid and the circumstances and effects of the slowdown seriously affected my business in XXXX and I was unable to pay my Mortgage since XXXX of XXXX till XXXX of XXXX.
Rushmore sent me the XXXX invoice ( attached ) and followed it up with a letter dated XX/XX/XXXX. ( attached ). I wrote a check for the entire XXXX invoice ( attached ) and sent it to them, mailed from the XXXX XXXX XXXX office on the XXXX. of XXXX, As of today, XX/XX/XXXX. they have not cashed the check ( copy attached ) .I have written, faxed and posted my responses, to no avail. Communicating with them is difficult.
I request your urgent assistance in this matter.
Thank you, Kind regards XXXX XXXX
|
| 09/25/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
In the past Ive been allowed to make partial payments on my mortgage. Today I attempted to pay XXXX of my mortgage XXXX {$1000.00} XXXX. I was advised I could n't, I asked to speak to a manager and was told by the man " it does not matter, I will not allow my manager to accept the partial payment ''. A young lady got on and said she was a senior rep, that a manager was not available. She had then told me she would not except a partial payment either. Then proceeded to tell me per my finances there is no reason I should be making partial payments. I then again asked to speak to a supervisor, she would not put XXXX on. When I mentioned the CFPB, she hung up on me. It be different if they never accepted a partial payment before but they have, on more then XXXX occasion. There was also no reason for here to tell me about my finances.
|
| 10/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
Hi Rushmore. Thank you for the quick response to my request for information. However, you claim that you had a loan with me and now u dont. You then go on to ask me for documents that I can not possibly possess because, as I explained to you XXXXXXXX XXXX has taken affirmative conduct to block me, ignore me, and refuse to reply to me here. So you my want certain documents but again I am unable to provide do to circumstances out of my control, but I still need your assistance and am grateful for any you can spare. I have provided you with what XXXX XXXX sent me in its last communication to me in XXXX. You are named as having or having had an interest in my home. As there is an ongoing civil suit I humbly ask you to please please please help me understand what interest you hold or held in loan XXXX. I am so grateful for any help.
|
| 06/21/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
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my father died. We did not know there was a second mortgage on the house. We sent the Affidavit of Succession to the first mortgage servicer. No problem. They accepted our documentation and we are paying the mortgage. I sent {$2000.00} to Rushmore Loan. The debt was only {$350000.00} then {$4300.00}. They cashed the check but it was not credited to the account. The are charging interest and other charges to the account. for some unknown reason, they sent me a refund of the {$2000.00} for the payment I sent. I endorsed the check and then they stopped payment and the bank charged me {$25.00}. I do not know what is going on with this servicer. They are making it hard for me to pay this account. They are making it so that the loan of about {$3000.00} or less is ballooning to an unaccountable amount. They are violating a lot of laws
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| 07/30/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
Rushmore Loan Management Services bought my $ XXXX home equity loan for home remodeling. In the middle of remodeling, we detected water damage to the floors, and XXXX XXXX issued a {$25000.00} check to replace the floors. Instead of paying for bun engineered floors, Rushmore deposited the check to their escrow. Thus I had to pay my contractor for urgent demolition ( to prevent further damage ) and materials. After a fight, Rushmore paid {$16000.00} to my contractor ( now the contractor completed the floors and is paid in full ). XXXX was satisfied with floor repair and released the additional {$2400.00} depreciation check. However, Rushmore fails to release the remaining {$8700.00} to me ( I had to use my money designated to remodel the bathroom ). Thus I can not rent or live in my condominium as the bathroom is not finished.
|
| 03/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage with Rushmore loans is XXXX per month. I have been on time. prior the loan was with XXXX, and I was always on time. I logged in XX/XX/21 to make my payment, and my payment was increased to XXXX no phone call, nothing in writing at all about the increase. I called on XX/XX/21, spoke with XXXX, he said escrow was XXXX, and now they included it stretched over a year. I asked for detailed escrow info and he said they have to mail it. He said he would call me Friday, XXXX and perhaps they can stretch escrow over 72 months or longer. I didn't hear from him on XXXX, I called again- I spoke to XXXX , and said it should be fixed that night. I just checked, payment hasn't changed. no phone call. I bring home XXXX every 2 weeks ; I can't afford XXXX per month and still pay other bills. Is there any help I can get?
thank you
|
| 12/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Rushmore Loan Management has certified figures as correct & true to the NJ courts, while helping secure a Final Judgment. However it is clear they used CREATIVE Accounting and used made up figures and wrong dates. This Foreclosure complaint is wrong from the start to the present & new recent evidence leads us to strongly believe that fraud has also been committed to secure a Final Judgment.
XXXX XXXX XXXXXXXX XXXX for XXXX XXXX is the substitute Plaintiff on this Foreclosure with wrong figures from the beginning. It was started wrongly by XXXX XXXX XXXX and attorney XXXX, XXXX & XXXX with a negative escrow balance In breach of the modification contract. They were told by us many times that there was an error but they refused to listen. We now have the proof and its in front of the court on n a Motion to XXXX XXXX.
|
| 01/10/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I am XXXX of XXXX equal parties on a mortgage. The mortgage company refuses to list my name on the mortgage statement received monthly as " their system only allows XXXX names to be listed ''. I am functioning as the " primary '' on the loan and make the monthly payments. The post office keeps writing on the envelopes questioning whether they should deliver these documents to my address as I am not listed on the correspondence. I have tried repeatedly, most recently, today XXXX/XXXX/2017, through their customer service department to get this rectified. They refuse to make any attempt to do so, but insist that I write them a letter, which I have done previously. They insist they have never received any of this correspondence. They also refuse to reveal any consumer protection agency to whom I can ask for assistance.
|
| 12/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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|
On XX/XX/XXXX I disputed missing a payment with Rushmore Loan Management. I sent my bank statements and asked them to review it. I wanted them to see I haven't missed a payment. Because of this issue more problems came about. I was charged late fees and interest payments. Also my PMI was going to be depleted on XX/XX/2023, however since they determined I am ineligible for early cancellation based on them stating I have been more than 30 days or 12 months past due on my payments. They also stated my mortgage have increased. I responded by saying I received two notification letter one in XXXX and another one in XXXX. They stated they had sent a letter in XXXX. I explained to them I haven't received any other letters in XXXX referring to a mortgage change. I tried reaching out to them, however they want listen to me.
|
| 10/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
The loan servicing company, XXXX, sent documents saying that the amount due as of XX/XX/XXXX, I owed over {$180000.00} dollars and the loan was being transferred to another servicing company, Rushmore Loan Servicing. My initial purchase was for {$150000.00} in XX/XX/XXXX and I paid the mortgage timely until I needed help in XXXX, when I was unemployed and went to HUD for help. My amount due should not have went UP {$30000.00}, when I had been paying on the loan for nearly 6 years before my unemployment event. I believe I'm being taken advantage of and it has been laundered through XXXX and now Rushmore. I'm asking for an audit of how the amount due jumped {$30000.00} from my original loan amount, in spite of the fact that I was paying over {$1500.00} per month on a fixed rate mortgage for the first nearly 6 years.
|
| 08/13/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
We submitted a complaint to you in XX/XX/2020 regarding Rushmore Loan Management - # XXXX. They are now in violation of the CARES act which provides mortgage holders with USDA backed loans the right to request a 6-12 month forbearance in order to avoid foreclosure. We were granted a 6 month forbearance ( see the response to the complaint ) but the company states we still owe for XX/XX/2020 ( the request for the forbearance was made in XX/XX/2020 and the forbearance is immediate - refer to : www.rd.usda.gov/sites/default/files/USDA_RD_SA_COVID19. ) They are also saying that no matter what the USDA & the CARES Act says, we will owe all of the past payments in one lump sum at the end of the 6 months forbearance. We need assistance in ensuring that this company is held accountable to what is mandated by federal law.
|
| 07/08/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
After trying to sell my home for 5 years, I finally moved renters in XX/XX/XXXX to cover most of the first and second mortgages. In XXXX of XXXX, they moved out and I have fallen behind on 7 months of payments for the 1st mortgage and HELOC. I have a buyer for the home. Rushmore Loan Management Services has my HELOC, so in XXXX they had an appraisal done on the home and asked the realtors to reduce their commissions and send a new closing statement. We did all that. Rushmore 's appraisal came in at {$550000.00}, My contract to sell is for {$550000.00}. NOW Rushmore says no we are not going to let you sell the home, you have to just let the first mortgage foreclose, we will NOT sign off. They have put me through months of stress and I am a senior. Do I have any recourse since they are forcing me into foreclosure?
|
| 01/31/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
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|
I previous had a alleged loan with XXXX XXXX XXXX and later discover they were in non compliance with the state Md. However they later transfer the alleged loan to Rushmore Loan Management Services, who later I discover that is not register or license as a third party debt collector or servicer to collect monthly payments {$2000.00} and to secure the alleged debt in the amount {$64000.00}. I receive a loan modification to filled out, I have questions and concerns of who is the secure party, who approve the loan modification and where is my money applied to far as the mortgage payments. I have sent debt validation notices to Rushmore Loan Management disputing the alleged debt.
As going forward, I will be paying my taxes and insurance. Based on my research, the entire company needs to be investigated completely.
|
| 03/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
According to Rushmore Loan Management Services my Escrow Insurance Account has a shortage in the amount of {$840.00}.
This discrepancy has been an ongoing/unresolved issue within their Escrow Department. All documentation has been provided by my Homeowner Insurance Company, XXXX showing my account in GOOD STANDING!
Rushmore Loan Management Services, issued what appears to be a double payment. StateFarm shows ONE check cashed and the overpayment sent back to Rushmore Loan Management, to be put back into MY ESCROW ACCOUNT!
I have attached all correspondence since XX/XX/2022, the paperwork I was forced to agree to spread out the SUPPOSED Escrow shortage, until they figure out what is clear as day!
Please see all attachments! Once again, please note just how incompetent this Loan Management Service is!!
|
| 08/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/XXXX XXXX XXXX Spoke to Rushmore Rep in their Pay Off Dept. ; ( Refi Officer asked that I contact them for a corrected Payoff Statement ), was told take I missed a Mort. payment, although she could not tell me when ; prior to calling, uploaded Banks Stat from XX/XX/XXXX thru XX/XX/XXXX showing payments made to Rushmore in their online portal. Tried to get her to verify receipt, she would not. I'm trying to Refi ASAP ; Rushmore countinues to submit Pay Off Statement showing I missed " XXXX XXXX '' pymt ; I did not ; When I messaged Rushmore on their portal, they thank me for that pymt, and that they now would be apply to " XXXX 's '' missed pymt ; I did not.
Rushmore has reported to XXXX that I missed XXXX XXXX mortgage, I did not. The proof is attached and was also given to Rushmore on XX/XX/XXXX.
|
| 05/29/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have on three occasions sent a letter to Rushmore requesting that I should not be paying XXXX instead of the monthly XXXX which I had been paying. They said this is the escrow for my taxes. They claimed that my taxes have gone up. How did my tax go up by XXXX dollars? I also sent a letter to them requesting that I will pay my own taxes but they have not done so and their agents keep harassing me about my payments. Rushmore is a third rate company that is trying to get more money out of me and others. It is enough to look at internet about the comments on them. I never signed any paper with the other company ( XXXX ) which is now being sued that I agree to a payment of XXXX. Hud representative was also involved in the whole affair.
I demand that they reply to my letter and that I will pay my own taxes.
|
| 03/27/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Rushmore Loan was servicing my home mortgage at XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, we sold the home in XX/XX/XXXX& moved to XXXX FL inXX/XX/XXXX. I never received my escrow check as I closed out my mortgage with them. I was a victim of mail fraud, provided all the proper documents to them & XXXX XXXX who cleared the check in XX/XX/XXXX. This has been going on for over 6 months without any closure on the issue, horrible customer service on where the case stands. I call XXXX XXXX every 2 weeks & they tell me the case is still open/pending, & no one at Rushmore gets back to me after continuous voicemails & emails to my initial given POC. XXXX XXXX says they can't help me or provide any further details since my dispute/claim is with the issuer of the check of Rushmore. The amount is for {$5300.00}.
|
| 08/17/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I got behind on my payments after being on time for 15 years. I made my last payment of XXXX in XXXX and XXXX turned it over to Rushmore. With them I filed a loss mitigation form and was accepted. They put my deceased mother on the contract so had to send a death certificate. I received a letter in XXXX saying they received it and then 3 weeks later received a letter saying it was filed. They were suppose to send a new package but still have n't received it and no one can give me an answer when I call. I feel like they are avoiding me, I do n't want to lose my house. I 've called XXXX XXXX who is over the loss mitigation department and is handling my account but she only returned my call one time during my work hrs so I called back and left my cell phone number and she still have n't called me back.
|
| 11/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Rushmore LM is the Mortgaging processing company. On XX/XX/XXXX, they sent me a notification that my loan was sold and transferred on XX/XX/XXXX, my loan was sold and transferred and was completed on XX/XX/XXXX. This violates XXXX XXXX stating, '' Fifteen notice must be given prior to the sale and or transfer of a mortgage ''. As well as completed within XXXX XXXX of the advanced notice. They failed and violated my rights as usual. When is CFPB going to do something about Rushmore continuous violations of my rights. XXXX or XXXX attempted modifications, each time they lose documentation so they can deny me. Using automated dialing and voice messages to contact my cell phone in direct violation of FDCPA. They claim they are allowed to do so. About XXXX received over past XXXX XXXX Enough is enough
|
| 08/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
XXXX XXXX was filed to delay the auction of our property on XX/XX/2021.
XXXX XXXX XXXX XXXX XXXX A short sale was granted by Rushmore Loan Management Services for the amount of {$300000.00} lesser the amount of the balance. The property was sold on XX/XX/2021 and was no longer under the protection of bankruptcy.
Rushmore Loan Management Services sent a letter dated on XX/XX/2021 to Release of the Mortgage/ Full Reconveyance document that has been filed in XXXX XXXX XXXX XXXX with the Countys Recorders Office .
The Lien Release Office with Rushmore sent along with the Certificate of Satisfaction dated on XX/XX/2021.
The information on my credit reports shows that the property was a foreclosure, and does not provide any details about a short sale with the agreed upon pay out of {$300000.00}
|
| 04/27/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I am trying to assume the mortgage of my deceased mother that passed away XX/XX/2020 and did not leave a will. I notified the mortage co of her death and my interest in keeping the home and take over the mortgage. they did suspend payments for a while under a hardship then proceeded with a foreclosure without giving me a chance to assume the loan and until now just a few days before the foreclosure do I learn of my rights as an heir. I want to keep the home and stop the foreclosure but the mortgage company refuses to communicate with me on this matter except instruct me that I would have to apply and be eligible for the loan and make a large down payment. I am desperate and running out of time, I hope you can help me.
the mortgage co is Rushmore Loan Management loan # XXXX my email is XXXX XXXX
|
| 04/25/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
Unfortunately, due to the time essential, to avoid further interest, I have paid off the whole amount of Rushmore request first this morning {$200000.00} first, including the appeal items ( total XXXX ).
Having paid off the mortgage loan, I requested Rushmore to provide the release Rushmore of the interest in the Property after all funds have cleared immediately.
Second, Further to my request dated on XXXX XXXX to Rushmore foreclosure attorney, to request to remove the Escrow Advance Balance {$15000.00} / Late Fee Balance {$1100.00} / Corporate Advance Balance {$1500.00}, a total {$18000.00} for the loan balance. I have not received any response.
Therfore, I request Rushmore to please send any overpayment or refunds directly to " XXXX XXXX '' Current Owner at XXXX XXXX XXXX, XXXX, FL XXXX.
|
| 10/23/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
On XX/XX/2020, I filled out my request for mortgage forbearance through the CARES Act on my mortgage loan servicer 's website due to the impact of COVID-19 on my income. My loan servicer is Rushmore Loan. Earlier this year, I had received a forbearance but that ended. However, my situation has not improved and I need additional assistance through the CARES Act Covid-19 assistance. The loan servicer told me today on XX/XX/2020 that I have to fill out a package for assistance which is false. The CARES Act says we do not have to fill out any type of package for assistance that is needed due to COVID-19 impact. Because Rushmore refuses to provide me with assistance I have no choice but to file a complaint with the consumer finance bureau so they can be forced to comply with the law. Please help me.
|
| 08/01/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
Re : Case # XXXX Since my last contact with you, the servicer for my mortgage loan has changed to Rushmore Loan Management Services. My loan number with them is XXXX. They refused to accept the modification package from the prior servicer, XXXX. They demanded that I resubmit on their forms. I did this. I made sure these forms were complete to the nth degree.
Now they have sent me a modification offer which does n't modify anything. First, they want all delinquent payments plus late fees and charges. Then, they want me to resume making payments at the original agreed upon amount and rate of interest.
This type of ludicrous offer certainly does n't help a XXXX XXXX XXXX senior citizen stay in his home.
What assistance are you able to give?
Sincerely, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX
|
| 10/18/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American |
|
In the back and forth with Rushmore over what I know to be questionable activity on my account. In the last response to my complaint, Rushmore has claimed that they " used XXXX funds to pay for XXXX and XXXX house payments which is a LIE ... .up to the point that Rushmore received the funds from XXXX XXXX we did not owe any house payments. They applied the funds they received on XX/XX/XXXX to XXXX payment, and XXXX payment. There was NO reinstatement to it!
Rushmore continues to say that the nearly {$1600.00} was used because of " corporate advances '' from a XXXX bankruptcy, yet ... they say that it was to " reinstate '' the loan from XXXX? Which is it? It can not be both.
I want a complete and total breakdown of the charges that was imposed on my account from the bankruptcy in XXXX.
|
| 09/13/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
We closed on our mortgage on XX/XX/2021 and the closing attorney wired the funds to our servicer the next day. Two weeks goes by with no contact and Rushmore returns the funds back to our attorney. Our attorney tried to resolve the issue however Rushmore would not speak to them even though I did sign an authorization release form I called on Thursday XX/XX/2021 Rushmore and they stated they needed to send a new payoff statement. Finally received the letter on Tuesday XX/XX/2021 of which my attorney wired the money again.
{$250000.00} showing on the payoff letter received dated XX/XX/2021, {$250000.00} wire sent.
Called Rushmore today, XX/XX/2021, loan still not paid off, showing delinquent on their website and no call from them. As of now they still have to call me back. Not resolved.
|
| 01/13/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I MOVED OUT OF XXXX XXXX XXXX IN 2004 BUT I AM STILL HALF OWNER OF THE PROPERTY AND ON THE MORTGAGE. I HAVE RECEIVED ABSOLUTELY NOTHING REGARDING THE PAST DUE ACCOUNT. I HAD RECEIVED NO NOTIFICATIONS OF THE IMPENDING FORECLOSURE I WAS NEVER SERVED ANYTHING DESPITE THE FACT THAT I HAVE WORKED AT THE SAME PLACE OF EMPLOYMENT FOR 15YRS. DESPITE THE FACT THAT WHEN THE SECOND MORTGAGE WHICH WAS ALSO WITH XXXX WAS IN FORECLOSURE THEY HAD NO PROBLEM FINDING ME TO SERVE ME AND I WAS ABLE TO SETTLE THAT. I HAD ABSOLUTELY NO IDEA THAT THE HOME WAS IN FORECLOSURE I WAS DENIED MY RIGHTS TO STOP THE FORECLOSURE SALE OR TO REMEDY THE PAST DUE ACCOUNT I WAS DENIED THE RIGHT TO DUE PROCESS I WAS DENIED THE RIGHT TO ANY MORTGAGE CONFERENCE. I HAVE BEEN REMARRIED AND LIVED AT A DIFFERENT ADDRESS SINCE 2004
|
| 09/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
In XXXX last year, XXXX XXXX transferred our Loan Servicing to Rushmore Loan Management Services and we were on a 1 year deferrement which did not require payments and should not have been reported as late on our credit report.
We have since then successfully completed our loan modification trial payments and the account should have been restated as a new loan with the old account information deleted or bought current based on the newly approved loan modification. We completed our trial payments in XX/XX/XXXX and all 3 of our Credit Reports needs to be updated as current.
Our loan is not being reported correctly as stated in the letter issued by Rushmore LM on XX/XX/XXXX, after I reached out to them to raise our concerns via faxed letter to their Customer Service Department in XXXX.
|
| 08/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
I have a loan serviced by a loan management company, not the loan originator. The Loan management company is Rushmore Loan management XXXX Rushmore Loan Management Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I want to pay down a large portion of the loan principle to RECAST MY LOAN and reduce my monthly payments. I am told by the customer service rep that Rushmore will not reduce my payments but that I will pay the loan off earlier. ( by 7 years ).
I need a lower payment, not an earlier payoff.
I asked them for the language in my loan agreement that prohibited a recast of my loan payment based upon a reduced principle amount. I was told there was no prohibitive language in my existing agreement.
Cn we make them agree to reduce my payments if i pay down my principle by {$100000.00}?
|
| 09/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Rushmore Loan Management Services, Account Number : XXXX XXXX XXXX, As of/Effective XX/XX/2020, is reporting inaccurately and has flagged my credit report. They are reporting on my credit report " Bank XXXX in XXXX Liquidation '' This information is FALSE My Divorced/Estranged spouse is currently in Chapter XXXX BK, Case No : Bk:XXXX His Name is XXXX XXXX XXXX I contacted Rushmore and advised them they have incorrectly flagged my account Requested them to " please remove '' They confirmed that according to their records they do in fact show XXXX XXXX XXXX currently in Bk, payments being satisfied through the BK Nothing has been done to correct my credit by removing the flag.
As a result, my credit score has drop and I have received negative credit standing and loss of credit and money.
|
| 06/23/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My loan was sold to a new company : Rushmore Loan Services in XXXX. This company has harrassed me every month for being " Late '' when I was still within the allowed grace period. Recently at their suggestion I tried to set up automatic payments - to happen right before the deadline, but they still sent me a statement saying I had not paid and that I should contact HUD for credit counseling. I feel they are harassing me to force me to pay by the due date, which I 'm sure they would prefer, but is not always possible for me, due to when I collect rents on this property. In using their online bill pay system something went wrong and the payment did not go. I am concerned that they have reported this to credit bureaus, even though it has been paid in full after I discovered the problem.
|
| 08/03/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Rushmore Loan Management Services recently purchased my servicing from XXXX XXXX. My first payment to Rushmore was due XXXX XXXX, 2017. My complaint is in regards to its requirements to establish an online account to manage my account as it requires a FULL social security number with no alternative to establish an online account. My concern is in regards to Rushmore 's apparent lackadaisical handling of my private information, specifically my SSN. It seems ridiculous to require a FULL SSN in this day in age, especially via online. Rushmore 's approach gives me pause as to what other lackadaisical policies it has that jeopardize my private info and whether or not they are meeting the requirements of privacy protection. Furthermore, I never received a Welcome Letter from this company.
|
| 10/12/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
The complaints below have responses and feedback from parties that are misleading and not factual. The parties remain in contempt of CFPB orders filed XX/XX/2022 that are to protect me, victim of their identity theft fraud schemes.
XXXX XXXX XXXX I do not know Took or threatened to take negative or legal action XXXX XXXX XXXX XXXX XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX I do not know Took or threatened to take negative or legal action RUSHMORE LOAN MANAGEMENT SERVICES LLC XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX I do not know Took or threatened to take negative or legal action XXXX XXXX XXXX XXXX XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX Other personal consumer report Improper use of your report XXXX XXXX XXXX XXXX XX/XX/2022 Closed Feedback provided
|
| 08/30/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
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|
My home was in foreclosure and I had the loan modified with a lower payment. I have not missed a payment since this modification was completed 4 years ago. I was unaware at the time this modification was adjustable. The mortgage was then sold to another company and then sold a 2nd time. Rushmore management services is now the company that holds my mortgage and they have raised my interest rate from 4.94 % to 5.875 % during a worldwide pandemic where people are having difficulty making payments on their homes! I was advised this was due to current market rates. The rates have dropped to 3.1 % -3.4 % yet they are raising me to an amount I will now have difficulty making payments and Im in fear of my home going back into foreclosure. They have been unwilling to help me in this matter
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| 05/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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|
Web |
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I was in a loan modification. My payment was late XXXX due to the mail service. I mailed the payment in time, they state it was late and refused it. I was removed from the loan modification and they state I am in pre-foreclosure since XXXX. They have returned 2 payments but I have not received XXXX payment back. They stated it would be returned and NOT to send any other payments. I have talked to them several times, submitted paperwork and its always something else to prevent a meeting modification. All of this has been going on during COVID. I have to re-qualify for a home I have had since 2006 and the interest rate is ridiculous. I want to keep my home. We have also discussed having my wife added to the mortgage and was denied. Any assistance you can give is greatly appreciated.
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| 06/07/2018 |
Yes |
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- Trouble during payment process
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|
Web |
Servicemember |
|
Rushmore responded to the prior CFPB Case Number XXXX incorrectly. We have a Forebearance which goes through XX/XX/2019, per the letter and agreement which was sent to them several times by XXXX XXXX XXXXXXXX which transferred the loan to Rushmore. They have ruthless tactics and do not respond appropriately.
Also, I have attempted to call the assigned contact - XXXX XXXX - at least 3 times and have received no follow-up or contact regarding potential questions I have regarding our current Forebearance which goes through XX/XX/2019 nor did she respond to my voicemails. This is unacceptable customer service and needs to be escalated beyond their Customer Service Department without any retailiation toward the client for raising our concerns on the overt disregard for U.S. Veterans.
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| 09/10/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
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|
Web |
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On XX/XX/2019, I called my HELOC loan servicer, Rushmore loan Management Services, to request that they no longer withdraw this amount of additional principal that I had requested several months before. I requested Rushmore stop withdrawing $XXXX additional principal. I instructed them to only withdraw an additional principal of $XXXX. Their customer representative informed me in XX/XX/XXXX that it was too late to make the change before the XX/XX/XXXX payment was due, but the change would take effect in XX/XX/XXXX. However, in XX/XX/XXXX, Rushmore withdrew $XXXX more than I had authorized. I disputed the additional principal with my bank which upheld the dispute. On XX/XX/19, I received a letter from Rushmore threatening to put me a "certified funds only" if it happens again.
|
| 10/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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In XXXX of 2020, I submitted a complaint with XXXX due to 2 inaccurate entries on my credit report. Upon checking the status of these complaint requests in XXXX, I was surprised to find that they were verified by XXXX as reporting accurately. These were absolutely not correct entries and I would like to see the evidence that was used to verify that these were accurate findings on my credit history. I was offered no proof that these were correct ( and I strongly believe that they can not be because they are incorrect ) nor was I notified when the results were supposedly verified that they were correct findings. I know that these were reported incorrectly by the mortgage companys and would like to see verification of how they were determined to be reported accurately. Thank you.
|
| 12/05/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
|
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Had a XXXX conventional fixed mortgage through XXXX that originated in XX/XX/XXXX. That loan was sold to Rushmore Loan Management on XX/XX/XXXX That transaction was completed on XX/XX/XXXX ( Rushmore loan # XXXX ).
My XXXX homeowners insurance was being paid through escrow for approximately 11yrs and the information was transferred to Rushmore ( policy # XXXX XXXX ).
A pipe or connection burst in the condo and caused approximately $ XXXX in damages to the unit below me. While contacting XXXX to start a claim, they stated that the policy lapsed on XX/XX/XXXX and was never pain by Rushmore. Representatives from Rushmore have sent this to the " research dept. '' ( claim # XXXX ), but I have been told it may take XXXX days for them to make a decision. Can you help expedite this?!
|
| 02/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Older American |
|
My mortgage was sold from Rushmore to XXXX XXXX on XX/XX/2022. Rushmore sent my insurance payment of {$1200.00} to XXXX XXXX XXXX in XXXX of XXXX in a mass payment of {$220000.00}. I received a cancelation notice from XXXX XXXX for non-payment in XXXX of XXXX. The cancelation notice states, '' The amount due includes a {$1200.00} check was not honored by the bank. '' Rushmore never transferred the money to XXXX XXXX other than {$400.00} that was left in my escrow account. I have been trying for three months to get this fixed but I have been unsuccessful. Rushmore has lied to me, XXXX XXXX and XXXX XXXX about the {$1200.00}. I have spent 70 hours on the phone and I need your help! XXXX XXXX has increase my monthly mortgage payment by {$68.00} to cover a shortfall in the escrow.
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| 01/31/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Have been contacting the company non stop since XX/XX/XXXX. Customer service is the poorest & get different information with every representative I speak with. The collection company is no help & dishonest & when requesting contact with their superiors is a waste because they won't return messages. I requested a payment arrangement & was advised I didn't qualify. An modification was suggested & when I called the number provided to request a packet I was advised I did not qualify. What am I to do at this point & it seems as if rushmore loan management is a problematic company who doesn't listen or truly try to assist consumers. I am positive there ultimate goal is to complicate as many transfer loans as possible so that they can ultimately foreclose & sale for an higher profit.
|
| 07/21/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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In XXXX, I took out a mortgage loan with XXXX XXXX Bank. The payments increased dramatically short after, making it impossible for me to keep making mortgage payments. In XXXX, I defaulted on the loan but I was notified that a different lender had my mortgage loan, XXXX XXXX XXXX. A foreclosure action started in XXXX by XXXX XXXX XXXX. The case in the court went for years but the bank was unable to foreclose on my property. During the legal process the loan was transferred to a company called, XXXX, and lastely it ended in a company called Rushmore Loan Management Services. I am not sure which company I owe money too. The legal action was discontinue but collection attempts do not stop and the banks, before Rushmore, did not review my loan for a considerable loan modification.
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| 06/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
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Requested a payoff letter for my mortgage to payoff the mortgage to get away from Rushmore Loan Management, received the payoff letter XX/XX/XXXX with a good through date of XX/XX/XXXX. Sent the payoff of {$89000.00} to Rushmore through XXXX next day on XX/XX/XXXX, to be signed for at delivery. No one was available at the office to sign for delivery on XX/XX/XXXX and someone from Rushmore signed for the payment on XX/XX/XXXX at the post office. Rushmore is now stating the payoff is XXXX and refusing to apply the payment of XXXX to the loan and still charging the full per diem interest amount on the full payoff amount instead of the change the per diem would be on the remaining XXXX. Ive had multiple issues with payments not being processed timely, or at all with this company.
|
| 12/22/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
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|
My mother became very ill and got behind on mortgage payments. Up until that time she was never late. My mother has since passed away. The deed is in my name, and the mortgage in the Estate of my mother. I was paying mortgage payments after my mother passed away to XXXX XXXX XXXX. I was in the middle of an assumption and a modification, With XXXX XXXX, when they sold the loan to Rushmore Loan Management, who said that they do not do modifications or assumptions. Rushmore stopped taking my payments, and now the property is in foreclosure with a sale date of XXXX XXXX, 2016. I can not lose this property as it is a family home. They are unwilling to work with me. I make the money to make payments. I just need them to be willing to work with me and finish what XXXX XXXX started.
|
| 05/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
In XX/XX/2020 a company in which I am a 50 % owner, XXXX XXXX XXXX, borrowed funds under three separate mortgages from XXXX XXXX XXXX to purchase properties at XXXX, XXXX and XXXX XXXX XXXX XXXX in XXXX XXXX, Colorado. Subsequently we were advised that you had taken over these mortgages.
In XXXX I noticed that these loans appeared on my personal credit report, even though the loans are in the name of XXXX XXXX XXXX and title to the properties is in the name of XXXX XXXX XXXX. I called and spoke with a gentleman who said he would get it taken care of. Two of these loans appear on my XXXX and XXXX report, and three of them on my XXXX report. I have spoken to the company several times and sent a letter explaining the situation but the company is not fixing the problem.
|
| 05/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I AM REQUESTING OMBUDSMAN DEPT. TO AUDIT MY MORTGAGE ACCOUNT. I RECIEVED A LETTER XX/XX/XXXX FROM RUSHMORE LOAN MNGMT SVCS C.F.P.B. COMPLAINT NUMBERS : XXXX & XXXX STATING THAT RUSHMORE RECIEVED A PARTIAL LENDER PLACED REFUND OF {$1400.00} FROM MY PREVIOUS BANK XXXX XXXX STILL, RUSHMORE REFUSE TO DEMAND FROM THEM MY OTHER UNREFUNDED AMOUNT OF {$710.00} INSTEAD THEY GAVE ME TWO BOGUS PHONE NUMBERS, ( XXXX ) XXXX & ( XXXX ) XXXX, TO CONTACT XXXX XXXX TO DEMAND MY MONEY OWED TO ME SINCE XX/XX/XXXX.
ALSO, RUSHMORE LOAN MNGMT REFUSE TO REFUND MY {$2700.00} FORCED PLACED INSURANCE PREMIUM XXXX DESPITE ME PROVIDING THEM FULL PROOF OF XXXX XXXX. COVERAGE FOR MY CONDO YRS XXXX TO XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX POLICY # XXXX PHONE ( XXXX ) XXXX
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| 09/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
I contacted Rushmore Servicing and ask to speak with the refinance department. I was told they didnt have one but they would give me to someone that did refinancing for them. I called that company gave them all my information only to be told that they couldnt help me. XXXX XXXX sold thus mortgage to Rushmore. I need to refinance this loan that XXXX XXXX gave me because I am a Senior Citizen and the monthly payment us getting to high for me to handle. I had asked XXXX XXXX to give me a forgiveness refinance loan because the house was inside down. But it isnt a fixed loan so the interest rate and the payment is too high. My loan number is # XXXX with Rushmore. I need help {$1800.00} interest rate is 4.71. Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX
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| 10/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I have been pleading and sending letters to Rushmore to no avail. They just toss me around from their company to their investment company they represent. But the XXXX XXXX or XXXX XXXX tells me that I should be in touch with Rushmore.
I have paid this company over 80K in the last 3 years that they took over my loan from XXXX, another crook of a company. I have paid every month to the various banks and lenders from the time I bought my house. I owe more today!!!! than I did 15 years ago. This is just preposterous. I am asking them to give me a lower balance or at least deduct the arrears. I am not even sure how these arrears have happened. Banks can not forever act to take people 's belongings.
I need an answer sooner than later. Rushmore also gets terrible reviews.
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| 03/10/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
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My mortgage company was Rushmore Loan Management Services. During the pandemic we applied for the forbearance assistance plan. We only used the plan for the month of XX/XX/XXXX. We continue to paid our mortgage on a monthly basis after that. I have proof that payment were made. In XXXX they sold out mortgage to another company The XXXX XXXX and now they state that we owe them about {$8000.00}. I have reach out to Rushmore and XXXX XXXX XXXX and none of them want to help me get this straight and get my account current. I made a payment in XX/XX/XXXX {$4900.00} to XXXX XXXX XXXX. I need assistance to get this square. I am not afraid of losing my house because I have paid every single month. Please if some one can help me. This is a very sneaky way of doing business.
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| 02/10/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Can you PLEASE help me with this horrific loan servicer RUSHMORE LOAN MANAGEMENT? Since the fall, I have been asking them to PLEASE put in a partial claim to the FHA on my mortgage and let me start paying for my loan again. I have a government FHA loan.
They require people to fill out HARDSHIP PACKAGES for COVID 19 assistance, which I did not ask for any further. I asked for the past due balance to please be palced as FHA PARTIAL FOREBEARANCE at the end of the loan and let me start paying my loan. After months of sending in my paperwork, they put me back on a COVID 19 FOREBERANCE instead of listening to the customer and what the customer wants and the customers needs.
Its unbelievable. Its like they DO NOT know who to read XXXX or understand XXXX. Please help me.
|
| 12/05/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
We were denied a Modification Acceptance from Rushmore Loan Management even though the XXXX XXXX Guidelines say the Servicer must follow all waterfall actions in any XXXX auctions bought by investors.
The Denial Letter should follow The guidelines for principal reduction are that your LTV has to be less than 115 %.
Also There are no requirements for a deposit. And we are being denied in the letter for not offering a good faith deposit.
Finally The Servicer Rushmore has violated RESPA by not providing us with the NPV inputs.
This is a total & complete failure to comply with the XXXX XXXX bidder requirements and of the Servicer Rushmore Loan Management as well as all of the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 05/31/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
Rushmore has conducted unlawful and unethical acts against my family and my property. I have tried to resolve the issues with them and I have even completed successful trial payment plans and payments but Rushmore has failed to be truthful or to honor their promises. They only want to foreclose despite the fact that this has been our family property for more than 30 years without a missed payment. Again, Rushmore has lied repeatedly and they refuse to treat us fairly or to comply with the law. Additionally, they have caused us not to be able to receive help through the mortgage relief program due to their inaccurate record keeping and they refuse to offer us the same options as all other homeowners through the provisions that Covid has extended via the government.
|
| 05/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
We purchased our home in 2006, right after Hurricane Katrina. We were given a high interest rate of 9.24 %, even though we put {$25000.00} down and paid closing costs of {$15000.00}. During the Corona Virus, we struggled to pay the monthly payments. We have our own business and struggled, as everyone did. We asked them to work with us by lowering the interest rate. We have been asking them for many years to see if we can lower the rate. They can't do that because we are self employed. We feel that they are price gouging on the interest rate. We have been there for 17 years. We are now in our XXXX 's, our credit score is high. We feel like we are being discriminated against because we own our a business. There should be no reason for them not to be able to help us.
|
| 09/02/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I had a Mortgage that was owned by XXXX XXXX XXXX. It was then sold to Rushmore Loan services. I fell behind in making payments and they offered me a solution to " help '' make my payments current. They ended up adding over {$34000.00} in fees to my loan in XXXX XXXX. Keep in mind at that time they only had my loan since XXXX XXXX, so in less than 5 months they say I accumulated over XXXX in fees? I did n't even realize they were adding that at the time to my principal. I was worried and signed the paperwork as they threatened to foreclose on my home! I never realized they increased it until I looked at my statements XX/XX/XXXX after I have made successful payments to them, and thinking I might have made a dent in my balance. I was shocked to see such a balance.
|
| 01/18/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I currently hold a mortgage with Rushmore Loan Management. This mortgage was originated with XXXX XXXX. I claimed homestead exemption at my local courthouse and sent the document to XXXX XXXX. Just after, XXXX XXXX sold our mortgage to Rushmore Loan Management. The tax documentation has been sent to both companies. I have screenshots of my messages attempting to get the status on this tax exemption as it affects our payment. It has now been 6 months of trying and they will not respond. This amounts to {$100.00} extra I have had to pay on my monthly payment because the taxes have not been adjusted. Since the loan origination, it has been one year and 5 months which makes for a total overpayment of {$1500.00} that I have paid MORE than I should because of this.
|
| 01/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Loan servicer improperly charged insurance premium for a HO6 content coverage in my escrow account without proper notice. Charged premium at will before the notification was sent to mortgagor. Charged {$1600.00} in premium at once. When Mortgagor was notified, place the coverage and they still alleged that the charges were for back premiums. The actual insurance policy for the Condominium covers amounts enough for the money owed for the loan. Although Mortgagee was requiring these are additional amounts, mortgagor placed coverage for a year at a fraction of cost Mortgagee charged for the same coverage and in addition to the amount due on the mortgage. Mortgagor never received a certificate of insurance for what mortgagor was charged. These charges were illegal.
|
| 06/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Several disputes have been made with regards to attempting to pay this loan and get it current. Finally, today I was able to speak to XXXX who said that {$19000.00} was due on XXXX XXXX, 2020 in order to reinstate on our loan. She then said she would get a new payoff and we would have to call by XX/XX/2020 to find out the amount and make a payment plan. Rushmore did not mark my credit as disputed and continued to report my account as late. I pulled my credit reports and the balance due is {$7500.00} as of today. On XXXX XXXX, 2020, I sent a certified check in the amount of {$9300.00}. That was returned to me on XXXX XXXX, 2020. How can my balance go from {$7500.00} to {$19000.00}? They are attempting to extort additional money from me and take my home from me.
|
| 03/23/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
On XXXX XXXX2023 I spoke on the phone with agent named XXXX about making a principal payment. He informed me of which I already knew that the payment would apply from XXXX XXXX2023. This payment as we discussed was to be electronically drawn from a checking account in the amount of XXXX XXXX Dollars and applied to the principal. I checked my account for three days and the payment was not processed yet. I called the company On XXXX XXXX2023 and spoke with a agent by the name XXXX who informed that since the payment was made on the weekend that it would post XXXX of that day XX/XX/23. Today is XXXXXXXX XXXX,2023 and the payment still has not been withdrawn from my account, meanwhile 7.50 % interest is compounding and I suspect this is the reason for the delay.
|
| 04/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Rushmore Loan Management Services Has violated my right to privacy according to The Fair Credit Reporting Act under 15 USC-1681B Section 602A.Rushmore Loan Management has also violated my right under 15 USC-1681A Section 604A Section2 which also States a consumer reporting Agency can not furnish an account without my written instructions. This account is at a {$0.00} balance no further obligation on this account Rushmore Loan Management have not given a 1099-C form for filing as I am Required to file on tax forms in which would be counted as income. I have no other obligations to this account and is at a {$0.00} balance. This has been an embarrassment as well as a hinderance for my family and I moving forward in being Qualified for possible Mortgage lenders.
|
| 05/04/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American |
|
Rushmore loan management are charging me an extra {$5000.00} on to my mortgage payable over 5 years because they said my payments were delinquent. I have been sending my mortgage through XXXX XXXX over a year an 6mos. because when I sent my mortgage on time they would tell me they were late and charge me late fees. when I look at my credit report they said I was late over 24 times an charge late fees an interest. They are still taking out PMI an I have own my home for 14 years and have not missed a payment.My mortgage went up an extra {$100.00} a month in the year XXXX they don't send my escrow to me I'm not sure if it's accurate.When I would call them they would not listen would tell me I was in foreclosure.I would get robo calls all day and even after XXXX
|
| 10/02/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
Rushmore Loan Management Services purchased my HELOC from XXXX XXXX. I have received no statement from Rushmore, and they have put me into collections. I do not know how much I owe. After talking to them yesterday XX/XX/XXXX, they told me I would not owe penalty interest or late fees. Today, they are calling me accusing me of not paying, and telling me that I am in collections. They also claim that statements are " optional, '' and not required for debts owed. They have been and continue to be rude and treat me like a debtor. They also continue to call my wife, who is not on the loan, even though she has provided them other phone numbers. Additionally, they did not verify my identity prior to attempting a debt ( although I did not know what my payment was ).
|
| 12/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
MUCH TO MY DISMAY, I RECEIVED AN ESCROW ANALYSIS STATEMENT DATED XX/XX/2022 XXXX XXXX # XXXX THAT DISPLAYS XXXX FALSE FEES OR XXXX PAST YEARS HOMEOWNERS INSURANCE AND {$130.00} UNJUSTIFIED ESCROW CHARGES. STILL, MY OVERAGE AMOUNT SHOULD BE WAY MORE THAN {$3300.00}.
IN ADDITION, I WAS CHARGED XXXX FEES FORCE PLACED INSURANCE PREMIUMS OF {$140000.00} AND {$1700.00}.
XXXX XXXX XXXX IN THE LAST XXXX YEARS HAVE ALWAYS EMAILED TIMELY PROOF OF CONDO MASTER INSURANCE POLICY. THESE ACTIONS BY RUSHMORE LOAN MGMT LLC VIOLATES FEDERAL BANKING LAWS BASED ON PREDATORY AND/OR UNFAIR PRACTICES THAT HAS PUT ME IN HARMS WAY. I AM REQUESTING ALL FALSE FEES TO BE DELETED OFF MY ACCOUNT AFTER OMBUDSMAN/ESCROW AUDIT AND A FULL REFUND OF MY OVERAGES SENT TO MY MAILING ADDRESS.
|
| 03/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX with other debt collectors hired by XXXX XXXX have suppressed fictitious loan schemes against my property under court ordered sole possession.
XXXX XXXX is copied on communication emails regularly with XXXX XXXX legal analyst for Rushmore Loan Management LLC WILLFULLY SUPPRESSING INFORMATION OR COURT ORDERS FOR FICTITIOUS LOANS BY US LOANS SCHEMES WITH RUSHMORE LOANS MGMT LLC IS VERY UNETHICAL AND UNLAWFUL Good Afternoon, Please see attached document.
Thank you, XXXX XXXX Intake Analyst, Dispute Resolution Rushmore Loan Management Services LLC Direct ( XXXX ) XXXX Email : XXXX XXXX XXXX Intake Analyst, Dispute Resolution Rushmore Loan Management Services LLC XXXX direct | rfax | toll-free | fax machine Mail to : XXXX Web : XXXX XXXX XXXXXXXX
|
| 12/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage loan was recently transferred from Rushmore Loan Management Services to XXXX XXXX XXXX. I noticed a - {$110.00} escrow balance. This is an error. There should be no balance ( {$0.00} dollars ) I paid my homeowners insurance in full on XX/XX/XXXX and have had the same homeowners insurance for the past three years that i paid in full each year. I always paid in time. Thus, there shouldnt be any escrow balances. I have copies of my homeowners policies that date back to 2017 with no gaps that i can provide for you.
This amount is erroneous and false and needs to be removed from account or they have to refund me {$180.00}. I attempted to contact rushmore loan services and they said because my account was transferred and this they can not help me.
|
| 12/23/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
My mortgage from XXXX XXXX was " sold '' to this debt collector. I had received a bunch of harassing calls and letters for payment even though I was set up for EFT. I made a payment over the phone with a representative and paid exactly what was asked. I received a letter saying I shorted by XXXX cents and now they are forcing me to set up an escrow account. They are not abiding by the original terms of the loan either ; they are forcing me to obtain condo insurance when my master plans covers this. When I call the agents are rude or sound drunk and high. They are a predatory lending company and trying to take my property away from me as they are ruthless. This company is not accredited by better business bureau. They should be shuttered once and for all.
|
| 07/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I purchased my home in XX/XX/XXXX and it is now XXXX and my mortgage statement is still showing I have 29 more years to pay off my mortgage. In XXXX I file a XXXX XXXX due to job lose, but I was still paying my monthly mortgage payment with XXXX XXXX. My mortgage was later purchased my XXXX XXXX in XXXX that reset my mortgage again to 30 years some years later after questioning them, the service of my mortgage was purchased by Rushmore mortgage again being reset to 30 years. I purchased my home for $ XXXX and my balance as of today is $ XXXX. These have refused to report my mortgage to any credit bureaus, I know that I'm being rip off. I know my house should just about be paid off and I had one remod during my bankruptcy but never had a refinance done.
|
| 09/09/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Rushmore loan services company repeatedly neglected to renew my wind insurance coverage then enstated their own coverage and charged my escrow XXXX for 6 months premiums. Hours on the phone since XXXX 2016 with the help of my insurance broker I got my own insurance reinstated but they still charged my escrow that XXXX dollars. For " my security '' that do n't do emails. Almost impossible to track my communications and faxes with them. I had to pay inspectors to inspect the house because they let my insurance lapse. I feel this may be a common practice for them to collect some extra revenue. It seems criminal to me. I 've never been blatantly lied to and ignored so bad in my life. Please help and make sure they 're not doing this to other people as well.
|
| 10/23/2021 |
Yes |
|
- Struggling to pay mortgage
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Web |
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Rushmore Loan Management Services ( RLMS ) RLMS, I am filing a complaint against your company based on the way my loan was handled after it was transferred to your organization. This is a two-part complaint. The first complaint was filed with XXXXXXXX XXXX XXXX, see complaint # XXXX, so moving forward starting on XX/XX/2021, XXXX XXXX XXXX XXXX XXXX loan to Rushmore Loan Management Servicing ( RLMS ). Rushmore Loan Management Services, I am including copies of checks that were paid XXXX before your company took the loan. Both XXXX and Rushmore have copies of all checks because copies were either faxed or mailed to them. Also, I am providing copies of checks, XXXX payments, and letters that I received from RLMS, Loan XXXX, from XX/XX/2021 XX/XX/2021.
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| 05/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I refinanced my mortgage in 2007 with a subprime lender named XXXX XXXX XXXX.
My loan was in the amount of {$75000.00}. It's is now 14 years later and only {$5000.00} has been applied to the principle. I had two loan modifications and never missed a payment that wasn't made up. I am current today. I asked for the amortization schedule because I have never received one. I was told by the loan servicing company that there was none in my file. What caught my attention is that I noticed that the princple payment is smaller than it was in 2007. I asked the company how my payments were being applied and what determined the payment applications and they said that the payments were being applied according to the amortization schedule that they don't have.
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| 05/23/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Received a mortgage modification from XXXX XXXX XXXX XXXX the # Trial Payments were made from XX/XX/2017 - XX/XX/2017 amount of {$1600.00}.
The mortgage servicer changed from XXXX XXXX XXXX to Rushmore Loan Services XX/XX/2017. Rushmore refused to honor the modification with XXXX XXXX XXXX after I made all trial payments. Rushmore Customer Service stated I would be receiving the permanent modification agreement. I never received those papers Rushmore has increased my mortgage payment to {$2100.00} and scheduled my home for foreclosure sale. I requested they please correct my mortgage payment. They have been difficult to work with and refuse to assist me. I do want to pay my mortgage and I don't want to lose my home.
Please! Please! Please Help
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| 04/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I paid my mortgage XX/XX/XXXX Friday XXXX & XX/XX/XXXX Friday XXXX via XXXX XXXX Rushmore Loan Mgmt states they did not receive the payments until the XX/XX/XXXX of the month I called Rushmore and they said I would have to send a letter about the payments via Fax only. XXXX XXXX is not a bank and the payment are transmitted immediately up until midnight the same day.
The customer service dept is off shore - meaning possibly the XXXX XXXX The recent letter said I could be in default for less than {$200.00} is appalling when I also called Customer Service during the XXXX County wildfires in XX/XX/XXXX and the so called Customer Service said they could not assist with my hold of making a payment until XX/XX/XXXX which would then create a late charge.
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| 10/16/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We have contacted Rushmore Loan Management multiple times about removing our Private Mortgage Insurance. They continue to give us the run around and fail to reply back to us. They told us via mail that we qualified to remove our PMI. They told us the loan to value had to be below 80 %. And denied us an appraisal. We had to file a complaint with the BBB to get them to order an appraisal. The appraisal, which they refuse to furnish a copy to us, they state shows a 78.8 % loan to value. This is below the 80 % stated they told us via the telephone. Now they are telling us it has to be below 75 %. The actions of this company are criminal. We have been fighting with them since XXXX XXXX 2017, 8 months at the time of this complaint, to remove the PMI.
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| 05/26/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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Our loan was transferred from XXXX to Rushmore and they did not send our Forebearance information from XXXX and we are now receiving threatening mailings from XXXX XXXX XXXX. I also sent an the approved Forebearance Attachment to Rushmore over 2wks as well to : XXXX and did not receive any acknowledgement. This is causing tremendous XXXX to my husband and I as we have gone through enough with our XXXX who was XXXX for over 34 days in XXXX which has caused tremendous XXXX and extenuating financial circumstances which is why we had to go through the loss mitigation process with XXXX XXXX and we thought all the information would be transferred seamlessly to XXXX XXXX XXXX. However, we are still receiving threatening notices from XXXX XXXX XXXX.
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| 03/09/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Rushmore opened an escrow account for an insurance that we paid in full on XX/XX/XXXX. Called and spoke with 5 different agents who guaranteed the fraudulent escrow account will be closed and the money will be added to the principle. This has been lingering for over 5 months and each month I call they promise the same and nothing is happening they are taking more money that they are supposed to my loan and still adding the money in an illegal escrow account. Lastly XXXX from escalation team and XXXX a call center supervisor mentioned they are working on it. NO resolution same invalid promises to be fixed and they keep depositing more money from my checking to an escrow account.
Last contact was XX/XX/XXXX at XXXX PST and nothing is resolved.
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| 08/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My mortgage servicer- Rushmore Loan Management Services sent me a letter advising me that the load was being sold to XXXX XXXX XXXX XX/XX/2022. The letter gave a number to reach XXXX of XXXX but this number is wrong. I looked up XXXX and found that the number should have been XXXX. When I called XXXX they have no record of my loan using my loan number, ss number and street address. I then called Rushmore and they stated they gave the wrong number on the letter and that they will not accept any more payments on my mortgage as of XX/XX/2022. This will leave my mortgage in limbo since XXXX does not show any loan for me with them and my auto debit to Rushmore will not be accepted. How is this day of electronic business is this allowed to happen?
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| 07/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
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On or about XX/XX/XXXX i filed bankruptcy and included in the filing, a home i once owned t was therefore relinquished and forfeited. XXXX XXXX XXXX left the loan open and is still open today even though the bankruptcy was closed in XXXX, and they continue to this day to report the activity on my credit report, included with these comments are actual letters from XXXX admitting they made mistakes and other illegal activity such as keeping the loan open in my name and letting other people service the loan. XXXX home loans has now sold the loan to another company, XXXX XXXX XXXX and failed to disclose any of the information about the bankruptcy proceedings, and they XXXX XXXX XXXX XXXX are now also reporting to my credit as a new foreclosure.
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| 09/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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at XX/XX/XXXX ... I made a request to Rushmore Loan Manage through it's representative XXXX XXXX XXXX to delete an executed second mortgage account from my credit report as charge off, because since XX/XX/XXXX, this property has been executed.
I made a successfully claim to XXXX XXXX Credit report company ... and they update correctly my information.
However, I made the same request to XXXX company, and the didn't want to proceed in accordance with my current situation.So any of this two companies don't report my situation accurate, despite I'd have bring to them all the legal documents that show the foreclosure of my old home.
XXXX confirmation request # is:XXXX I'll appreciate your assistance and intervention in this matter ... .thanks!
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| 05/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I REFINACED MY MORTGAGE LOAN WITH XXXXXXXX XXXX XXXX YEARS AGO FOR {$310000.00} TO THIS DATE I HAVE MADE OVER 200 PAYMENTS OF MORE THAN {$250000.00} DOLLARS. TO THIS DATE MY BALANCE IS STILL {$320000.00} DOLLARS WITH XXXX FINANCE RATE ON ONLY HALF THE AMOUNT OF THE ORIGINAL REFINACED AMOUNT {$150000.00} FOR 40 YEARS. NO PRINCIPAL HAS BEEN REDUCED TOWARDS MY ORIGINAL LOAN AMOUNT. I AM VERY CONFUSED AS HOW IS IT POSSIBLE THAT MY BALANCE HASN'T BEING REDUCED. I CONTACTED THE LOAN SERVICER RUSHMORE LOAN MANAGEMENT SERVICES & THEY HAVEN'T REPLIED TO MY REQUEST, THEY ONLY SENT ME A PAYMENT BRAKEDOWN HISTORY. I DO BELIEVE THAT THEY ARE COMMITING MORTGAGE FRAUD.IT DOESN'T MAKE SENSE TO ME THAT MY NUMBERS ARE STILL HIGHER THAN THE ORIGINAL AMOUNT.
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| 12/23/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My mortgage was transferred to this company in late XXXX. I sent them a payment, I am currently under a bankruptcy process here in NY. My original loan provider, XXXX XXXX, XXXX. sold my loan to this POS organization. I am required to send payments under a trail period before XXXX XXXX would agree to a permanent loan modification. Rushmore has claimed to never received my XXXX payment thus putting my permanent loan modification at risk or in fact now cancelling it out because they claim I never made the payment, which I did and have proof of.
The payment amount was {$970.00} and was delivered to these XXXX onXX/XX/XXXX, I have the XXXX XXXX Mail receipt to prove they received it and a copy of the bank check stub that was sent in payment.
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| 08/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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We entered into a loan modification with Rushmore Loan Services about 5 years ago. We've made all payments, until XX/XX/2021, which was made on XX/XX/2021. We paid the full XXXX payment and an additional {$910.00} which was to be applied to our mortgage principal. Instead, Rushmore placed the {$910.00} in a suspense file and now refuses to apply it to our mortgage.
Rushmore is the sorriest mortgage company I have ever worked with, all they want to do is charge fees and foreclose on people 's property. We are in the middle of a pandemic never experienced by mankind before. They should be trying to assist people.
They also engage in predatory lending practices and are well known as a lender who takes advantage of people on every corner
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| 10/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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2nd try - Rushmore LM does not know how to properly service negative amortization loans.
I am only allowed to pay the minimum payment on line - not even the statement shows the negative amortization payment amount.
I have to call and spend 30 to 45 minutes with them every month to make my payment because they are not equipped to handle the payment online or by mail.
Companies like this should not be allowed to handle loans they are not suited for.
I understand the loans can be moved however it should be mandated that the new company knows how to service the type of loan the consumer has.
Rushmore LM does not allow me to execute the options of my negative amortization loan. They only allow the minimum payment. This is NOT acceptable
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| 09/02/2022 |
Yes |
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- Trouble during payment process
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Web |
Older American |
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Servicing of the mortgage transferred from XXXX to Rushmore effective XXXX XXXX, 2022. As of XXXX XXXX, 2022, borrower had not been informed of the servicign transfer so borrower made a regular monthly payment of {$540.00} to XXXX. XXXX put that payment into suspense, then on XXXX XXXX, 2022 XXXX transferred that payment to Rushmore. Rushmore did not apply that payment to the loan account, but instead applied it to the escrow account. There was no justification for Rushmore to apply this payment to the escrow account which was not short. The wrongful application of this payment put the loan into default and triggered the imposition of late fees and letters from Rushmore to the borrower wrongfully asserting that the loan was in default.
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| 08/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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After losing my job in early 2010 to the downturn in the XXXX industry. It took me years to find good work and I did all I could do to take care of my family. Today we have fixed are problems my wife get her SSI and contribute that to the household and the only way I could get a good income was to start my own company. After a few years of startup expenses. I now have stable income to pay for my family Home and bills. We are asking for a modification payment with tax and ins we can afford that will let us keep are family home I know Rushmore did offer to put us in a repayment plan that we can not afford XXXX down and {$2300.00} a month for 12 months just to catch up and still not have a modification they say will deal with that then.
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| 02/26/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Mortgage was transferred to Rushmore Loan Management Services, XXXX XXXX XXXX, XXXX, Ca XXXX. Mortgage payment is due XXXX of month. I sent payment by automatic transfer from my bank on the XX/XX/2019.0n XX/XX/XXXX a statement was sent saying my next payment would be due XX/XX/XXXX19 for XXXX and XXXX payments.Icalled them and they said payment was received by them on XX/XX/XXXX and to disregard letter. I complained to them that electronic transfer was received on the XXXX when I sent it and they hadnt bothered to record it until the XXXX. That same day I spoke to them I received another notice dated XX/XX/XXXX that said my mortgage was delinquent and I owed not the {$1700.00} payment but {$1800.00}. Please help. Thank you XXXX XXXX
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| 05/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I have had problems with Rushmore LM for a few years with them changing my interest of fixes rate. The pandemic has hit me financially, my business has suffered greatly. I contacted Rushmore in XX/XX/2020 for assistance. After over 30 calls to several so called point of contacts who never responded after they sent multiple letters stating help was available. XXXX XXXX wouldn't help me because I'm not XXXX and hung up on me. The latest contact has failed to respond to 8 calls. I filed for assistance in XXXX, of course they claimed didn't get all documents. But I sent check list with Documents. So I sent again. Here it is 7 months later. No response in any form. They don't call back, put me on hold but Do not get on phone.
I gave up
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| 09/02/2022 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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APPEALING FOR TRIAL MODIFICATION ON XXXX XXXX XXXX XXXXXXXX MAKING A FALSE CLAIM THAT I HAVE EXCESSIVE DEBTS WITHOUT PROVIDING ANY PROOF DESPITE MY REQUEST ON XX/XX/XXXX XXXX 2022. I PROVIDED PROFIT LOSS PTOOF OF GROSS {$6000.00} MONTHLY {$5000.00} COMBINED NET INCOME OF MY PRIMARY HOME RENTED ( XXXX XXXXXXXX ) PLUS 2 INVESTMENT PROPERTIES ( XXXX XXXXXXXX ), EXCELLENT CREDIT, NO CAR DUES OR ANY EXPENSES WHILE IM LIVING AT MY PARENTS WITH NO OBLIGATIONS TO PAY BILLS, AND {$35000.00} IN BANK SAVINGS. STILL BANK REFUSING TO TRIAL MOD MY LOAN TO FORECLOSE PUTTING ME AND MY FAMILY IN HARMS WAY. I WISH TO KEEP MY HOME COVID19 DISASTER IMPACTED ME BUT IM READY TO PAY MY {$2400.00} MORTGAGE TIMELY IM USA XXXX VETERAN AND I ASK FOR MERCY.
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| 02/11/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have been trying to get this fixed along with other issues with this company. One issue is they first said I was pass due on my Loan. This has been fixed they misapplied a payment. Now I am dealing with the Escrow Account for my Property taxes. The Yearly Tax is {$2700.00} paid in two payments of {$1300.00} during the year. They have Twice this amount in Escrow I want a refund of the overage. They say I have to wait until XXXX when they do their audit. Meanwhile they are still taking money out for the escrow. I should not have to wait for them they have over charged me already. I can not talk to them directly they only take correspondence and take 30 days to reply. Under your section 1024.17 this is not right.
Can you Help me
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| 02/04/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Rushmore Loan Management Services, LLC illegally charged an insurance coverage in my property taking more than {$1600.00} premium from my escrow account. There have been insurance coverages in XXXX and XXXX. The alleged to want HO6 coverage, which is basically content coverage that is no more than {$7000.00}. Rushmore certificate received a week ago states coverages for {$170000.00} insurable values. This amount is the loan amount. Insurance for replacement costs existed and exists in the property. HO6 only covers kitchen cabinetry and bedroom that in an 800 sqf condo is no more than {$7000.00}. Even charging for insurance more than replacement costs is illegal. Rushmore needs to refund the {$1600.00} premium illegally charged.
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| 06/13/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Our loan was sold from XXXX XXXX to Rushmore Loan Management in XXXX XXXX or before. It has been a nightmare with Rushmore trying to correct my account. Because we made additional payments to to XXXX over the years, we were paid in advance. We have continued to make monthly mortgage payments to Rushmore and have requested numerous times for Rushmore to apply the monies to the principal, but they have not done so. They have suspended some of our payments for some odd reason and have not applied all of the money we have sent to the principal. Nothin g Rushmore has done so far makes any sense and I can not, for the life of me, get this resolved. This is very unnerving to have my money messed with in this manner.
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| 08/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I submitted a request to rushmore loan management for forbearance in XXXX and it was only granted for 3 months, and when I requested an extension I was informed that it would not be granted until I submitted a modification application. I submitted a loan modification application request in XX/XX/XXXX and I continued to be reported late on my mortgage even though a forbearance was granted.
I requested again that the Servicer review my account to provide a loan modification option, specifically to allow the past due payments to be deferred with XXXX interest on the back of my loan. The representative hung up in my face twice today stating that I already have a forbearance which are the results of my modification application.
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| 07/09/2018 |
Yes |
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- Trouble during payment process
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Web |
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I was making extra payments on my Home Loan with Rushmoore on their web site. I made a payment in XX/XX/2018 that my Bank ( XXXX XXXX XXXX ) provided me with a withdrawl fax, clearly showing that Rushmoore had taken the money out. I provided Rushmoore with the certified letter from my bank via FAX to the Consumer Affairs department. I have spoken with 4 customer service reps, and a manager called " XXXX '', each time they tell me its be " expedited '' and they are working on it. Its been 3 weeks, no return phone calls as promised and no response, as they dont have email???? I am actually a month ahead on my loan, but not according to Rushmoore and i cant get an answer. I feel like i am calling XXXX when i call. Please help.
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| 07/12/2021 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
Servicemember |
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I have diligently paid my mortgage payment via ACH since it was first sold to Rushmore Loan Managment. I was notified that they had sold my mortgage to a different servicer but had not sent the monthly payment that was debited from my account on XX/XX/2021 in the amount of {$12000.00}. After speaking to Rushmore they informed me they decided to take that monthly payment and apply it as an additional principal payment. This was done without my knowledge or consent, furthermore they have also failed to forward that {$12000.00} payment that they say was applied to principal to the new servicer so my principal at the new servicer is the same and is still accruing interested while Rushmore does whatever they wish with my funds.
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| 08/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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I have read about the Mortgage Forbearance Program being offered by the Federal Government under the cares Act I read the articles & I contacted my Mortgage Servicers & I requested participate in the Federal Forbearance program & I was told by the Servicer that there is no such program being offered, But they have an inhouse program, & I would have to make the entire payment missed once the 90 days expired, I refused their offer, I went online & I read the Cares Act & the specifics regarding the Federal Forbearance program, I called again & spoke with a supervisor & was told the same thing which is contrary to the Forbearance program approved by the Federal Government, They are giving incorrect information to the public,
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| 04/30/2020 |
Yes |
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- Trouble during payment process
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Web |
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I currently have to pay PMI on my loan. However, per my origination and loan documents I can request removal of PMI once I reach the 80 % loan to value threshold either on XX/XX/2020 based on payment schedule or when I actually reach the threshold based on actual payments.
Otherwise my PMI will disappear at 78 % loan to value. My loan servicer is refusing to remove my PMI until I get to 78 %, even though my loan documents state I can request removal at 80 %. They continuously inform me they ned to research and will get back to me. They don't get back to me, and when I call again ( 5 times now ) they start a new investigation and tell me the 78 % rule. Even though I have submitted my loan documentation which is contract.
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| 12/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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We applied for and were granted a mortgage modification from Rushmore Loan Management on XX/XX/2019. Our backs were against the wall because Rushmore was trying to foreclose on our home and we had to accept their terms.
Our interest rate went from 2 % to 5 %, our loan term was extended, and payment was raised. A modification is supposed to be done in good faith to assist the borrower to be able to afford their mortgage and to stay in their home. We did not benefit in any way from this modification, other than to remain in our home and we feel Rushmore took advantage of us and we consider this predatory lending.
We also believe they added thousands of dollars in fees and penalties to our mortgage that were not legal.
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| 12/20/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
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The house was foreclosed on I never received ANY NOTIFICATION until a sale date was set I tried to work out a modification the company refused stating that the payments were to far behind they do not do modifications when the foreclosure is so far along. Mind you I WAS NEVER SERVED so I could at no point work out a modification because I was unaware of the foreclosure. I then requested the payoff before the sale I received it from the law firm after the sale and the letter stated the payoff was good until XX/XX/2018 they then sold my home appraised at {$280000.00} for {$100.00} Now they are trying to evict my ex wife and children from the house.
I have also contacted the Attorney Generals Office regarding this matter
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| 08/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
Servicemember |
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I spoke to Rushmore several times since my mortgage was bought by them. Each month I called in to get my mortgage on auto pay and was told it was set up. Each month I learned the mortgage was debited late and after I called in for a manual draw. There were a couple months that I paid double payments since the prior month was not debited and each month the agent told me not to worry about the error since they were not reporting to the credit bureaus due to covid. I have a more than 12 year history of on time payments before they bought my loan and now that they have it, they have yet to resolve the autopay issue. I have given them my account information each month for billing and they still have not resolved the issue.
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| 09/06/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This complaint is against Rushmore Loan Management Services, LLC. My first complaint, was back in XXXX 2017. In viewing my credit report, I noticed Rushmore closed my mortgage loan. But, it should n't be closed. I filed a complaint. They corrected the account to " open '' but now reporting it as in default 60 days.
This is false reporting. I 'm providing proof of XX/XX/XXXX and XXXX 2017 mortgage payments. I 'm attaching the XX/XX/XXXX, XX/XX/XXXX and the XXXX XXXX 2017 reports. I believe, they have knowingly reported this falsely reported to the credit bureaus. Due to the numerous errors and negligence cause on Rushmore 's behalf, I now believe I 'm targeted individual by Rushmore Loan Management.
Thanks, XXXX XXXX
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| 11/16/2019 |
Yes |
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Web |
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Lawyer XXXX XXXX has sent the payment at closing on XX/XX/XXXX to Rushmore. His phone number is XXXX you have permission to speak with him. Rushmore held the wire transfer for 8 days then sent it back. Lawyer XXXX XXXX sent it again they held it another 8 days then sent it back. Then they made me pay XXXX in extra fees which I want back because I shouldnt have had to pay anything. XXXX XXXX sent wire transfer again they sent it back again. Now Rushmore reported new and my husband to the credit bureaus for missing a payment and it dropped us down 75 points each. Lawyer is going to try to process again on XX/XX/XXXX. They should also refund alls fees for wiring each time and all other they they keep attaching to it.
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| 01/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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RUSHMORE LOAN MANAGEMENT SERVICES ESCROW ANALYSIS DATED XXXX REFLECTS ILLEGAL XXXX XXXX XXXX FEES TOTALING {$15000.00} GOING BACK ( XXXX ) XXXX YEARS OR MORE, PLUS FALSE {$130.00} ESCROW FEES THAT VIOLATES BOTH FLORIDA STATE XXXX & XXXX LAWS WHICH CAN BE CONSTRUED AS FEE PADDING, CONSPIRACY TO DEFRAUD, ABUSIVE CLAIMS, UNETHICAL SELF SERVING, UNJUSTIFIABLE OVERCHARGES AND XXXX XXXX XXXX
XXXX XXXX XXXX INTENTIONALLY CLASSIFIED MY PROPERTY AS NON-HOMESTEAD TO PUT ME IN XXXX WAY WHEN IN FACT IT IS MY XXXX NOTED IN XXXX XXXX XXXX PROPERTY TAX RECORDS SINCE XXXX. MY PROPERTY IS A XXXX IN A NEW HIGH RISE CONDOMINIUM WITH HOME OWNER ASSOCIATION THAT PAYS FOR OUR MASTER POLICY BUILDING INSURANCE COVERAGE IT IS NOT A HOUSE.
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| 07/28/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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|
Web |
Older American |
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I started re modification process through XXXX XXXX XXXX. My lender is : RUSHMORE LOAN MANAGEMENT SERVICES XXXX. XXXX XXXX XXXX, CA XXXX TEL XXXX, FAX XXXX LOAN OFFICER : XXXX XXXX LOAN # XXXX The problem I am having with them is that the re modification is taking for ever, they asked for all sort of documents, when sent to them they denied it was not seen, when resent they wait for a while and request for the same documents after confirming the documents were received. I am suspecting they are wasting time so that they can be able to foreclose my house. I was behind because I lost my job and I got a full time job now. My wife has a XXXX XXXX since XXXX it is only me that is working in my household. Thank you. XXXX
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| 04/21/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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Rushmores failure to accept our housing assistance funds ; Rushmores failure to consider all loss mitigation alternatives for our VA guaranteed loan such as a special forbearance ; and for Rushmores denials supported by only conclusory statements and without specific facts supporting the denial. we were not considered for a special forbearance ( given the HAF application and applications for benefits now pending as stated in our hardship letter ), nor does it appear that we were considered for a COVID-19 Refund Modification ( VA Circular 26-21-13 ), and we believe that Rushmores failure to accept HAF funds may have harmed our relief available to us in meeting targeting outcomes for the COVID-19 Refund Modification
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| 04/23/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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I AM REQUESTING THE OMBUDSMAN DEPARTMENT TO AUDIT MY ACCOUNT. SINCE XXXX RUSHMORE LOAN MANAGEMENT SERVICES HAS REFUSE TO REFUND OR CREDIT MY PRINCIPAL ACCOUNT, TOTAL OF {$7500.00} ILLEGAL UNJUSTIFIABLE OVERCHARGES VALUE/XXXX COST, LATE FEES, ATTORNEY FEES, FLOOD INSURANCE FEES AND HOMEOWNERS FORCED PLACED INSURANCE FEES.
THESE FEES ARE NOT SUPPOSE TO BE CHARGED DURING TRIAL MODIFICATION PROCESS STEMMING FROM XXXX XXXX NATIONAL DISASTER. SEE ORIGINAL ENCLOSED XXXX XXXXXXXX XXXX XXXX NOTE COPY DOC TYPE XXXX WHICH DOES NOT REQUIRE INTERIOR FIRE INSURANCE COVERAGE FOR A TOP FLOOR CONDO PENTHOUSE NEW HIGH RISE BUILDING WIRED WITH SPRINKLER SMOKE CARBON DETECTOR ALARM SYSTEM COMPLETED XXXX BASED ON FLORIDA STATE LAWS.
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| 05/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I was in forbearance for 18 months. I want to start making mortgage payments as I am now working.
I called the company and was told I had 3 option 1. Pay the full past due amount 2. Pay a little more on my mortgage every month for the duration of the loan 3 .lastly move the past due to the end of the loan and then add 18 months Problem is this hot changed and Im now for e to agreed to their new plan 1. Pay the past due in full 3 or pay {$200.00} more on my mortgage every month but then they adding more interest on the past due amount that already includes interest and on top of that they added XXXX more pAyment of the new amount and Im told take it or we foreclose your home. They are not willing to negotiate.
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| 12/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Rushmore Mortgage continuously asks me to provide proof of flood insurance. I have multiple months of letters requesting insurance. Each time I receive one I call and give them the insurance info.Then it is quiet a month or two then they start again. If I could refinance with another company at the same interest, I would. I am trapped with them.
As of XX/XX/XXXX, they purchased flood insurance on my behalf. My flood insurance is paid through my HOA. The insurance company sends out any requests for info promptly as evidenced by my second mortgage not engaging in these extortive practices.
Rushmore agents are polite yet totally impotent to help in any way other than to say they will pass it on to their team.
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| 08/24/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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Borrower : XXXX.
Property : XXXX, NY XXXX.
I am writing in regards to a property located at XXXX, NY XXXX. The servicer of this mortgage is Rushmore. I am trying to do a short sale on this property which is an alternative to foreclosure or auction. I have submitted a loss mitigation package along with all financials to the servicer 5 months back. I have also submitted a legitimate offer to the servicer as well. Now, we have a sale date coming up on XXXX/XXXX/2016 for this property and servicer is not reviewing our offer and just passing time so that they can auction this property. Please take into consideration of the hardship homeowner is going through. I appreciate your help and attention on this matter.
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| 10/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Please note that in XX/XX/2020 our lender RUSHMORE allowed us to make us of their mortgage deferral payment for covid pandemic taking place. we were told we could defer our mtg payments and the missed payments would be added on to the end of our loan.
However two weeks ago we received a letter from Rushmore that we were going to be in foreclosure as of XX/XX/2020 if we did not make all the missed payments.
We contacted our lender rushmore and we were told we must do a loan modification. we want to keep our loan. however we did not want to do the modification. we wanted to do the payment deferral that was offered to us in the attached documents. we do not want to lose our home. please advise us what to do.
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| 07/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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When the XXXX XXXX XXXX XXXX banned XXXX XXXX XXXX from doing business for a few years and fined them for, basically, stealing, they transferred my mortgage ( which they'd had since 1997 ) to Rushmore Loan Management Services LLC. I've never been late on a payment, so I asked Rushmore why all their correspondence, statements, etc. state they're from a debt collector ( the mandated usual notices ) and was advised that it was " just a legal requirement '' which doesn't really answer my question : how can I be turned over to a " debt collector '' for servicing when I was never in default nor asked for loan modification? XXXX XXXX XXXX should probably be the one answering this question, not Rushmore. Thank you!
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| 11/26/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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Mortgage Servicers consider CFPB a joke. For years I have been filing about my mortgage fraud case and nothing matters. The mortgage company and now mortgage servicer have refused and returned my payments.
XXXX XXXX XXXX is paying the legal fees for the mortgage servicer in order to avoid paying the title claim. This conflict of interest is ignored.
Admitted forgeries, a judge ruled no ratified deed of trust and no ratified mortgage note and still no assistance from any organization matters. XXXX is the newest mortgage servicer has submitted the same deed of trust that was adjudicated as " Not Ratified '' as a means to collect a debt. XXXX also fraudulently put an assignment in the XXXX XXXX XXXX XXXX.
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| 07/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My cousin passed and I became the Successor In Interest on the mortgage. The house was deeded over to me about XX/XX/XXXX, or one year ago.
Since XX/XX/XXXX, about three weeks ago, I and my title company have been trying to get Rushmore Loan Management Services LLC to send a Mortgage Payoff Estimate. Rushmore has lied and dragged their feet about creating this loan payoff estimate. Most other mortgage servicers accept a borrowers telephone request for the Mortgage Payoff. The other mortgage services do not require anything in writing to get the Payoff Estimate. It is time critical that Rushmore respond immediately with the Loan Payoff, good to XX/XX/XXXX. This must occur today and with no more delays!
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| 01/16/2019 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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My ex-wife XXXX XXXX took out a loan on a home I own at XXXX XXXX XXXX in XXXX XXXX and although I've been talking with Rushmore loans in CA when I found out they foreclosed on her since XXXX of last year, it's only this week they actually got me paperwork. That foreclosure was filed against her, but did not include me as the owner of the home. I live in my deceased parents home at XXXX XXXX XXXX in XXXX XXXX and have just found out as of XX/XX/XXXX that my mother had a mortgage against the house I was unwaware of that has caused a foreclosure, but have not had enough notice to secure funding. I was not contacted prior to XX/XX/XXXX regarding this foreclosure, nor did I receive any prior notifications.
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| 12/06/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Servicemember |
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I filed a case CFPB Case Number XXXX on XXXX XXXX, XXXX about issues with Rushmore Loan Mgt Services. They responded that the loan was sold to them by XXXX XXXX XXXX under false pretenses because XXXX XXXX XXXX was a 2nd not the first on the loan. XXXX XXXX XXXX was the first. We are now working with XXXX XXXX XXXX to try to close this short sale. XXXX XXXX XXXX has a XXXX XXXX, XXXX foreclosure date. Rushmore is not responding to calls from the lawyers to release/return/settle so that the sale can go through. I need help getting Rushmore to settle this loan with XXXX XXXX XXXX. I could also use help getting XXXX XXXX XXXX to move the foreclosure date out so that a reasonable closing can be processed.
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| 03/01/2021 |
Yes |
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- Struggling to pay mortgage
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Web |
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I am making a complaint against Rushmore loan Management Services LLC. I have a 30 years fixed mortgage. I applied for a loan Modification three times over 3 years and I was turned down every time. I am suffering in this Pandemic and Rushmore would not offered any type of Resources. I am a XXXX year old woman, I need my home to live. Rushmore is very discriminative over people that having Hardship in the Pandemic or need a Modification. The Covid-19 pandemic had brought hardship and Rushmore can not help with providing Resources with good outcome, this company is very misleading. Rushmore will never approve you. I felt discriminated against because i am a home homeowner and need help to keep my home.
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| 03/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In light of Covd19 I have been trying to contact Rushmore Loan Servicing about Forebearance or assistance with reduced payments during this time. My income has been tremendously effected at this time and I am unable to make a full payment. I do not want my credit affected, as well.
I have tried numerous times to make a phone call and they are not taking calls. The message states to go online however in doing so the ability to chat or send an email is also null and void.
This company has STOPPED ALL LINES OF COMMUNICATION.
IT IS AS THOUGH THEY DO NOT WANT TO ASSIST COSTUMERS IN ANY WAY.
CAN YOU PLEASE HELP ME AND COUNTLESS OTHER CUSTOMERS WHOM ARE TRYING TO GET THIS ISSUE RESOLVED.
THANK YOU
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| 01/07/2019 |
Yes |
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- Trouble during payment process
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Web |
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Beginning in XX/XX/2018, I have contacted Rushmore Loan Management Services 12 times, asking them to remove my Mortgage Insurance from my payment. At my home 's current value, I am well below 78 % LTV. Rushmore keeps sending me notices that I am above 78 % because they are assuming my home 's value is the loan amount from my refinance 7 years ago. Each time I have contacted them, I have requested they appraise the home or re-evaluate the value to bring it up to date. I have also sent them the state tax assessment which shows a higher value. I was told I can not speak directly to anyone in their MI or Escrow department. This is costing me over {$100.00} every month that they refuse to make the change.
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| 08/30/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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XXXX XXXX had home loans for years 10.5 % interest sold loan to XXXX XXXX 10.5 % fixed rate. again loan sold to Rushmore loan services 10.5 % fixed made about 6months payment at this rate. Now raised my rate to11.00280 %. Called Rushmore 8/29/18 as soon as I got this rate and new bill increase. Women could not tell me why, asked for supervisor no!!! Got nothing but run around. I know this is not legal. Called XXXX on same date ask what rate they sold loan 10.5 % they are sending more documents ' to the fact they sold this loan to Rushmore at rate of 10,5 % and should not be raised as it is a fixed rate. The women at Rushmore just as much told me they can do what they want. My opinion this is a fraud.
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| 05/31/2018 |
Yes |
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- Trouble during payment process
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Web |
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We closed on a 203k Loan in XX/XX/2016. All repairs were to be completed within 6 months.
Weve had 3 different Contractors in the House for nearly 2 years now! Weve been making a mortgage payments on a fully completed project for 2 years and the project is not completed The HUD inspector never actually looked at the Contractors work ( which he is paid to do ) therefore, Contractors were paid on bad work .. ( floors ruined, ceilings leaking, sloppy unprofessional work.. horrible tile, items left in property.. just total disregard for the consumer We had to pay for 90 % of the materials out of pocket even though it was covered in the 203 k!
Someone needs to be held accountable Can you help us please
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| 04/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Increased monthly mortgage payment on a fixed note. The past year, the servicer initially included addition {$140.00} to each monthly payment without an explanation ; just " interest short. '' Numerous calls to the loan servicer, Rushmore Loan Management Services were to no avail. Submitted a registered mail for why my fixed payment changed under RESPA on XX/XX/2022. XXXX referred that I need to contact the mortgagor. Essentially, my payments have gone up from {$1300.00} monthly to {$1600.00} without any explanation to why. I can't get an answer why my amortized monthly payment changed from {$1300.00} to {$1600.00} and why the mortgagor or loan service failed to inform on any changes to the loan.
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| 06/14/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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We have submitted numerous applications trying to save our home from foreclosure.
The family has sent at least 20 applications giving all requested documents and hoping and praying each time that this is the time that we will get an approval. I have no idea why we have had to submit so many applications and strung along so many times believing that we were going to be helped we need our home for our small children to raise our family.
Our combined income is {$100000.00} for 2018. We have saved money to pay our mortgage. We have been ready and willing to work with Rushmore Loan Management Services. For whatever reason they give us the run around for many years now.
Please help us save our home.
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| 09/29/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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Submitting for XXXX XXXX. Set up mortgage with Rushmore Loan Management Services in XXXX CA. Loan interest rate was to be based solely on XXXX XXXX Standard Modification Interest Rate ( XXXX ). Last year was at 4 %, paid on 4 %. Currently the XXXX is 3.41 %. Rushmore is saying I must pay on a 5 % loan. Tried to explain to customer service and management there how it works. No one can help, said will note and have someone contact within 30 days. XXXX XXXX, Payment is due, rate is up, payment is way up-getting no response to fix. Calls to Rushmore go unheard. This is criminal! Have been reading all the complaints to the XXXX etc. on this organization. Please assist if possible. Thank You! XXXX XXXX
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| 02/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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On XX/XX/XXXX found out my property was getting foreclosed on when the documents was submitted on time and before the 37 day time period Rushmore Loan Management Service keep stating. Rushmore Loan Service Management did not notify the third party or me that if any document was need or missing. Rushmore Loan Service Management claimed they tried to reach me in regarding to this situation which was not true. They was informed to contact the third party on behalf of me. I did not request for a loan modification assistance. Rushmore Loan Management Service keep giving me a run regarding loss mitigation assistance. I reapply for assistance again and I am still keep getting the run around once again.
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| 05/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
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I went through a divorce and my x husband was awarded the property and was to refinance and he did not. I had to file chapter XXXX bankruptcy and it was final XX/XX/XXXX. They were sent the information by the courts and didn't not remove my name off the mortgage as it was listed in the bankruptcy papers. I have called many times and they told me to send in paperwork. XX/XX/XXXX again called and the woman that I talked to says that they will not remove my name off the mortgage as its not in bankruptcy or foreclosure anymore. I tried to explain and she put me on hold and hung up on me. Can you please help me as this is a big debt and keeps me from being able to build my credit up.
Thank you XXXX
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| 05/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
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I went through a divorce and my x husband was awarded the property and was to refinance and he did not. I had to file chapter XXXX bankruptcy and it was final XX/XX/XXXX. They were sent the information by the courts and didn't not remove my name off the mortgage as it was listed in the bankruptcy papers. I have called many times and they told me to send in paperwork. XX/XX/XXXX again called and the woman that I talked to says that they will not remove my name off the mortgage as its not in bankruptcy or foreclosure anymore. I tried to explain and she put me on hold and hung up on me. Can you please help me as this is a big debt and keeps me from being able to build my credit up.
Thank you XXXX
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| 03/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I purchased a new house in XX/XX/XXXX using XXXX XXXX and XXXX XXXX from XXXX XXXX XXXX and they use Rushmore loan management to service their loans. so I made a payment on XX/XX/XXXX. On XX/XX/XXXX, they sold my loan to XXXX and I received documentation outlining that. However, when XXXX contacted me they said they received my loan and all information with it but did not have a record of my payment. I was told by them to seek reimbursement from Rushmore. When I reached out to Rushmore, I was told they sent all information to XXXX including the payment and they would not be issuing a refund. At this point, I am out {$4800.00} and no one is taking any responsibility on how to address this issue.
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| 12/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
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Back in XXXX my mother needed help to refinance her home. I helped her and my name was on the statements. On XX/XX/XXXX they finalized the sale of the property and I was illegally locked out of my home. I did my research and they scammed me and did a lot of dirty stuff. I have a lot of information and I have been trying to figure it out and I got all the information I need. This is costing me a lot and is a very stressful situation. I waited 15 days for the company to respond and the company that was named was not XXXX XXXX XXXX XXXX. This is more in depth with the audit. Once they see the audit they will consider something. It was an illegal foreclosure and fraud. The audit explains in detail.
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| 04/13/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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Rushmore Loan Management Services has arbitrarily imposed " personal insurance '' policy on my account when I have already provided insurance policy. They are charging my escrow account {$100.00} per month since XXXX. They refuse to stop stealing my escrow money for this fraudulent insurance policy. My insurance policy provides all coverage required by my loan and has been in place constantly from XXXX.
I have XXXX loans with Rushmore, all originated with same lender, all have identical insurance provider BUT Rushmore is illegally stealing from this one account with their self imposed " personal insurance '' policy.
I want these withdrawals stopped and all funds returned to my escrow account.
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| 09/05/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
- Loan sold or transferred to another company
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|
Web |
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In XXXX XXXX XXXX sold our morygage to XXXX. Rushmore became our servicer, and our nightmare began. XXXX XXXX XXXX XXXX XXXX XXXX Rushmore is trying to destroy us. They started by saying we werep behaind XXXX to XXXX.payments. We were not. I did send them the documents they asked for proof, but they never acknowledged the payments. They made it nearly impossible to make our payments. We set up an online account, but Rishmore would not allow us accessss to it. On XX/XX/XXXX, my husband got an email saying we qualified for a modification. We could download the agwreement never came. We are still figjting ez them.Now, they are trying to forces us to a short sale.. Rushmore cares only about money.
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| 02/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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1. Starting about XX/XX/XXXX Rushmore has commenced to calculate interest payment portion amount at a non daily siple imnterest loan ( XXXX ) contrary to Note Agreement. I have contacted servicer about this & they claim there using the amortization schedule instead to their advantage. This is their attempt to slow me down & continue to collect higher interest amounts.
2. This mortgage is paid thru current next payment due date XX/XX/XXXX.
3. Im attaching a letter from servicer stating the above as well a payment history showing starting XX/XX/XXXX how they are calculating interest at a NON daily simple interest ( XXXX ) method that is contrary to the Original Note Agreement dated XX/XX/XXXX.
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| 04/16/2021 |
Yes |
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Web |
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Rushmore Loan Management Services in conjunction with XXXX XXXX offered a streamlined refinance of my mortgage. I was told the process was easy and that there was no out-of-pocket cost to me as a consumer and that no money was needed at closing. Rushmore since that closed refinance back in XX/XX/XXXX has informed me as of XX/XX/XXXX that they made a mistake in calculating what was actually needed when the refinance was processed and due to their error in aligning properly with XXXX XXXX and that an amount of XXXX was short. Rushmore took no accountability for this issue and even stated they know this issue happens from my conversation with XXXX from their customer service area on XX/XX/XXXX.
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| 09/25/2018 |
Yes |
|
- Trouble during payment process
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|
Web |
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Called them in the beginning of XXXX to inform them my principal and interest went up $ XXXX. and this was incorrect. They proceeded over the next 6 weeks over a total of 7 calls to lie & make up Balone ... in which by the end of each phone call was obvious to me and also to them! They keep using the word escalate to a senior advisor to figure out how this could happen seeing as how I am on a fixed rate. They are now sending me threatening mail which I really dont appreciate. They want me to just pay them and theyll figure it out later, which I am unwilling to do because theyve had over 2 months and have not given any explanation or proof that my principal and interest shouldve rose $ XXXX
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| 05/16/2022 |
Yes |
|
- Struggling to pay mortgage
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|
Web |
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Due to covid 19 I was behind on my mortgage payments. I was bullied into a repayment plan by mortgage servicer. I gave them a XXXX payment on XX/XX/21 I was supposed to pay XXXX for 12 months. I made XXXX payments and then could not afford to pay any more. The mortgage company knew that my income could not afford those payments yet still I signed it in fear of losing my home. This stress has made me very sick.I am hoping that my mortgage company would give me back my XXXX down payment and offer me a modification that i can afford and also reduce my principal mortgage and take off all the interest that they charged me.I want to keep my home so any help would be greatly appreciated.Sincerly
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| 11/05/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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|
Web |
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The servicer, Rushmore Loan Servicing is stating that the investor wants {$25000.00} down payment before they will modifiy the loan for a three month trial period. It was declined when we could n't come up with the payment we offered to spread out with the trial period payments. Initial down payment we could do was {$5000.00} that was declined. Then we offered {$15000.00} down payment to be spreadout in three month with the trial period payment. XXXX, who is the contact representative with Rushmore said she spoke to her supervisor's-supervisor and said that the investor said no that they need the entire {$25000.00}. My Home is currently in foreclosure and assigned to there Attorney. XXXX
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| 12/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
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I have attempted several times to get my mortgage modified with Rushmore Loan services XXXX XXXX XXXX, my loan number is XXXX, last name XXXX. I have also attempted several times to stop the foreclosure until my haf application results come in but they ignore all my requests.
I advised them of damage to the home from XXXX XXXX and again, disregard my pleas and have continued with the foreclosure.
Right now I have a pending Haf application and they still don't want to stop my pending foreclosure. My sale date is XX/XX/2023.
Can someone please help me have them stop the foreclosure sale until Haf makes a decision and for them to then modify my loan?
I have been trying for 3 years.
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| 05/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
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Payoff Statement dated XX/XX/2021 ( enclosed ) included " Unpaid Interest Due at Payoff '' in the amount of {$3300.00}.
When I asked representative about this number, the answer was : Not all of your payments were considered in this statement, so all your Interest overpayments will be refunded 30 days after closing.
Since the payoff amount in the Payoff Statement was equal to Payoff presented in Closing Disclosure ( enclosed ), I was expecting for some Interest overpayment refund.
I never received a refund and called the bank 2 times. Both times I was said that the issue will be reviewed and answered by mail.
As of XXXX, XXXX nothing happened.
I need help to resolve this issue
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| 04/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I AM REQUESTING OMBUDSMAN DEPARTMENT TO AUDIT MY INSURANCE/ESCROW ACCOUNT. THEY REFUSE TO REFUND FALSE FLOOD INSURANCE FEES, LATE FEES, ESCROW ADMIN FEES, AND HOMEOWNERS FORCED PLACED INSURANCE FEES OVER 10 YEARS TOTALING {$16000.00}. SEE ESCROW ANALYSIS STATEMENT XXXX. I LIVE IN A XXXX XXXX, AND OVER THE YEARS, ALL MASTER BUILDING INSURANCE COVERAGE AND PERSONAL FIRE INTERIOR COVERAGE WAS EMAILED ON TIME. SEE COVERAGE FROM THE YEARS 2016 TO THE PRESENT.
ALSO, THE ORIGINAL XXXX XXXX XXXX, AS A PRECEDENT XXXX NEVER REQUIRED INTERIOR COVERAGE SINCE OUR NEW XXXXXXXX XXXX AT XXXX XXXX XXXX FLORIDA XXXX XXXX BUILDING ARE PREWIRED WITH SPRINKLER SYSTEMS/SMOKE DETECTOR ALARM SYSTEMS.
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| 04/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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|
We had a fradugulent modification with XXXX back in XXXX they then had us sign a new mortgage with them they bascially had there hands slapped like other mortgage companies and t away with it now XXXX back in XXXX sold our loan o Rushmore loan management and they have increased out mortgage by XXXX dollars a month by stating a new escrolled with taxes even after XXXX just did this in XX/XX/XXXX which they had our new taxes why do mortgage companies get away with this not suppose to change the contract and now we cant even delete our insurance off escrow because of the contract we signed with XXXX why should the consumer have to pay for this please help us this doesnt seem right
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| 05/04/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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Back around XXXX XXXX I sent my paperwork to Rushmore via return XXXX . When I called to follow up they told me they did n't receive it. It took anothe r 2 weeks before they sent me another which I mailed back on the XXXX of XXXX . When I called to check the status they told me they were n't going to review it because it was less than 37 days prior to the foreclosure sale on XXXX / XXXX / XXXX . According to RETURN INTEGRITY & ACCURACY TO FORECLOSURE AND BANKRUPTCY PROCEEDINGS a lender or servicer is to continue review up to 15 days prior to the sale date and conduct an expedited review. It appears that Rushmore is not following the rules to allow me to keep my home.
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| 03/29/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
11 years ago we took out a loan with Rushmore Loan Management Services, XXXX XXXX XXXX XXXX, XXXX, Ca XXXX for the amount of XXXX. In XX/XX/XXXX they stopped accepting payments saying that our loan had " matured ''. They wanted the full balance of approximately XXXX. We started the process of withdrawing money from our XXXX. After the money was received we called to submit payment and our payment was denied due to our balance had grown to over XXXX with interest. We've made several attempts over the phone to make this payment plus mailed a check for the XXXX to try and stop the extremely high interest we are accruing. As of today ( XX/XX/XXXX ) we were once again told " No ''.
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| 07/05/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
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My mortgage was transferred and I was not informed. When transferred additional fees were accumulated that I dont understand that were not properly explained. I am behind in my mortgage but when I try to pay by phone and online me apparently the system will not let me pay unless I pay the full amount. As a result I go further behind. This system and not allow me to pay past due only.I believe that I could catch up on my mortgage if the if the company would except payments other than the full payment which I cant pay. I cant pay two whole months at one time but the system in the mortgage company will not allow me to pay a month and a half so that I could catch up. Can you help
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| 09/11/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
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We submitted a mortgage assistance packet to Rushmore mortgages for a loan modification and was denied based on my credit & says that I have insufficient income. The denial based on my credit does not specify a reason so its unknown and I have no way of defending my self on this, but the denial based on my income is incorrect I am a taxi driver so my income fluctuates every week or daily and I feel its unfair they based their decision on a lower amount instead of looking at the whole year and determining what my average income is. If they would have used my average income I could have easily qualified. It's very unfair that I may lose my home due to someones bad mathematics
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| 02/19/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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Rushmore is charging my escrows for " personal insurance '' that they claim is due to a requirement that I provide " wind '' insurance. Previously, Rushmore made this claim on all 3 loans that they service for me. My insurance policy covers this type of damage and Rushmore removed these charges from 2 of my 3 loans. While preparing year for taxes, I realized that Rushmore was charging my escrows for their imposed additional insurance on this loan. I phoned Rushmore and gave all information and demand that charges be stopped and my money returned to my escrows. On XXXX-19, Rushmore AGAIN charged my escrows for their " personal insurance '' imposed fraudulently on my account.
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| 01/11/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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My loan is currently being serviced by Rushmore. A lender/servicer can not collect on a debt that is transferred during the default of the loan, which is what happened here since the previous servicer was XXXX XXXX XXXX. Additionally, the main issue is that the BENEFICIARY of this is XXXX XXXX XXXX XXXX, whom was NEVER REGISTERED in the State of California. Because XXXX XXXX XXXX XXXX was NEVER registered in the State of California the Deed of Trust shall be void ab initio. My violations as a Homeowner in the State of California have been severely violated at this point and Rushmore has failed to reach out to me nor provide me with the opportunity to explore my options.
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| 01/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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There is a XX/XX/XXXX foreclosure date set. We have been trying to do a short sale since XX/XX/XXXX. The home has been listed. The lender did an appraisal and the value came in at $ XXXX in XX/XX/XXXX. The agent has had the home listed and we have not gotten any offers close to that. We submitted 2 offers and the lender automatically denied them. We have requested that they order a new interior appraisal since the market has changed so much in the last 6 months.
We were told the appraisal expired on XX/XX/XXXX but they refused to order a new one.
We can show listing history, showing history and feedback to show this property is not worth $ XXXX like the lender wants.
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| 02/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I made a payment through the automatic online system and it could not be collected for unknown reasons, I have always paid with the same bank account and the money was in the account, I sent the evidence that it was a system problem, this payment was in XX/XX/XXXX and they put a 30-day late payment on my credit report. It happened again in the payment of XX/XX/XXXX and as it was pending I notified it the same day, and not only did they not charge it, they made a debit of {$10.00} for not being able to process the payment, and the money was in the account, that is why I asked them to remove the delay in my credit report and return the {$10.00} collected and they refused
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| 12/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
Servicemember |
|
I am having a very difficult time with Rushmore XXXX. I had become unemployed and the COVID 19 Pandemic has dragged out my situation. I have am now on social security and have my son living with me to help with the mortgage. I also now have a renter paying {$1000.00} per month to help with my income. I am able to afford the mortgage and based on modification guidelines my income should be approved.
After the COVID 19 Forbearance I applied for a modification. The problem I am having with Rushmore is they declined me for not having any income and and stated to me I have had 3 modifications. Both are false. I feel like Rushmore is being very predatory and not truthful.
|
| 08/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
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Web |
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XXXX is reporting a loan that was paid off with Rushmore LMS as a foreclosure. I have disputed the remark in my credit report 3 times both with XXXX and with the lender and they continue to fault each other for the mistake. In the three occasions, XXXX has removed the foreclosure remark only to reappear few days later. I have revisited with the lender each time and they continue to say that they are reporting the account correctly. Looks like I am trap in a vicious circle where the end result is that I get stuck with a " foreclosure remark '' that never occurred. On the opposite, the loan is paid off and I already received the deed of the property free of any liens.
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| 10/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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|
Rushmore Loan Management Services manages my mortgage currently. The have truly terrible options for paying your mortgage- your only option is to pay once a month. They have no option for a bi-weekly payment plan. I tried using a third party servicer to pay my mortgage bi-weekly and Rushmore won't accept ACH payments, so that servicer has to pay by check. That is completely ridiculous and with the changes coming to the USPS, could cause me to have a late payment if it starts to take a ridiculous amount of time for them to get the check. It is totally unacceptable in 2021 that a loan management company wouldn't take ACH payments, or provide a bi-weekly payment plan.
|
| 01/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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I am writing because I recently viewed my credit report and noticed inaccurate information. Rushmore loan management is showing a late payment status over 120 days late. This information is in accurate. I have never been late with Rushmore loan management and This debt was discharged in a bankruptcy that I filed XX/XX/XXXX and completed XX/XX/XXXX. Please see the attached discharge documentation that includes the debt being discharged back in XXXX. Since the bankruptcy I have not taken out any new loans with Rushmore therefore the late payment report in XXXX is inaccurate. I would like this information removed and this old account deleted from all 3 credit bureaus.
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| 08/04/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My loan was transferred to a different mortgage company in XXXX. I had just successfully completed a load modification with the last mortgage company before is was transferred. Both companies said the new modification would be honored. The new company told me to fax or mail them a signed company of the terms in which I faxed and they acknowledged receiving. They then said they could not honor it cause it wasnt the original. They are now making me go through the process all over and I sent them EVERYTHING they requested and now theyre saying they received the package but its missing pretty much everything I sent. They are giving me the run around to take my property
|
| 07/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have been attempting to pay off a mortgage now held by Rushmore for 7 months.
They have received all the required information from me and have confirmed that they have what they need.
I have faithfully paid the mortgage every month.
In spite of repeated requests by fax and telephone ( hours on hold on their phone ) to supervisor XXXX ( XX/XX/XXXX and others ), and representatives XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( ,XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ) who promised they would email or fax the payoff information within hours, nothing ever comes true.
I wish for your offices to compel this company to provide pay-off information immediately.
|
| 06/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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I previously reported this problem with the mortgage company to the XXXX XXXX XXXX to no avail. My issue is that our mortgage was sold to this company and ever since our mortgage has gone from {$700.00} to {$1000.00} with only {$180.00} or less going toward our principal. I dont see how this is legal and I dont understand how we get penalized for trying to keep a roof over our heads. We were not given a choice of lenders to choose from when our mortgage was sold so there was no other contract to sign but this one. And no one else will take the loan because of the amount owed compared to the value of the home. Im just looking for someone to do the right thing.
|
| 11/20/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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myself and my lawyer was told a pay off amount on my mortgage. That amount was paid well in the time allowed check was received by them XX/XX/XXXX. But then we was told that there was more fees added to send more money. The lawyer had sent out a second check that was received by them XX/XX/XXXX with in the 3 day they had returned the first check instead of holing it or applying it to the loan. Then returned the second check. Then it took myself and my lawyer over too weeks to get a new pay off number from them. Within this time they had reported to my credit report a 30 day late which greatly affected my score and is stopping the my from buying my next house.
|
| 09/21/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
I did a refinance of my mortgage and Rushmoreoan Management Services obtained my loan.
On XX/XX/XXXX, I contacted them to advise my home owners insurance had not been paid.
Last week I spent over 3 hours on the phone trying to get them to pay my insurance from escrow fund that has over {$3000.00}.
I talked to sever supervisors and they said would escalate my problem.
XXXX XXXX advised me my insurance has expired. They contacted Rushmore to try to get insurance paid. As of today they still have not paid it. My loan number is XXXX and loan is XXXX XXXX XXXX. I would like to report them and get them to pay the insurance from escrow that has funds available.
|
| 07/26/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I can not convey how inadequate this company is.
They bought my home mortgage loan from another provider three months ago and have screwed up my payment two out of the three months, XXXX and XXXX of 2019.
Two out of the three months they have had my loan Ive had to go get a copy of my bank statement and the canceled check to provide to them to get it straight.
If what has happened to me thus far is any indication of what the future holds I wouldve been much better off taking out a loan through my local savings and loan and paying {$15000.00} more over the life of the mortgage.
Not worth the savings to have to deal with the XXXX they put you through.
|
| 04/27/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
Borrower submitted a complete loan modification application package to XXXX for loss mitigation on XX/XX/2022 while the foreclosure sale was postponed until XX/XX/2022. While the loan was being underwritten the loan was transferred to Rushmore Loan in XXXX without decision being made. We contacted Rushmore in XXXX but they had not received the full file with the loss mitigation docs we submitted however they allowed the foreclosure to move forward for XX/XX/2022. We contacted VA to request a postponement while we resubmit a new file to Rushmore. Although the VA rep. requested a postponement of the foreclosure he could not determine if Rushmore would do so.
|
| 07/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I have had repeated difficulty with my mortgage company in the proper processing of my payments.I have contacted them several times and still it does not get corrected. When I send in a PRINCIPAL payment they apply some of it to my monthly mortgage payment. example : I sent in a payment for PRINCIPAL on XXXX for XXXX They put {$900.00} of it in as a MORTGAGE payment for XXXX? I called and explained to a supervisor that my XXXX payment was mailed out XXXX and they should be recieving it shortly, but they won't put the full {$6000.00}. payment back on the principal. The company is ; Rushmore loan mgmt. serviceXXXX XXXX XXXX XXXX, XXXX XXXX XXXX. [ XXXX ]
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| 04/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XX/XX/2019 we were told by XXXX XXXX XXXX my mortgage was being sold to Rushmore Mortgage and they would contact us. It took 2 months before we were contacted by Rushmore on where to send our payments. Once we received the address we fedex 'd a check to Rushmore. During that process there was still 3 months they were saying we needed to pay them. At that point we entered into a repayment plan. My problem here is Rushmore is showing me currently 90 days past due and then 60 days past due before that. I have done everything I'm suppose to do and I'm asking that the 60 and 90 day lates removed from my credit report due to our repayment plan agreement.
|
| 04/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
To whom it may concern : I have a home, XXXX XXXX XXXX XXXX, NV XXXX. Rushmore Loan Management Services is servicing the loan. I am an additional person to be considered on the loan. Ive sent Rushmore a completed loan modification application and all supporting documents requested via certified mail twice. Despite me having a receipt from USPS saying otherwise, Rushmore has said the loan modification documents were never delivered or lost twice.
I would appreciate it if the Consumer Financial Protection Bureau could investigate and help me figure out when we can expect our loan modification.
Thank you in advance for your help.
Sincerely, XXXX XXXX
|
| 11/05/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My home loan was sold from XXXX XXXX XXXX and transferred to Rushmore Loan Management as of XX/XX/XXXX. I was previously charged for home owners insurance from XXXX {$3600.00} and I had to file a complaint with the Attorney General Office of MA to receive a refund from XXXX before my home loan was transferred. I received a letter from Rushmore and spoke to them over the phone that I have already purchased coverage. They asked for me or my agent to send a copy. XXXX XXXX XXXX called Rushmore and sent a copy of my home owner insurance on XX/XX/XXXX to show proof there was coverage for my house. In XX/XX/XXXX I was charged {$3600.00} for insurance again.
|
| 04/11/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
This is XXXX XXXX with XXXX XXXX XXXX XXXX XXXX. I have been attempting to obtain a payoff from Rushmore Loan management and continue to get the runaround. I have faxed 3rd party authorization multiple times i have fax confirmations. I am only trying to get a payoff statement so we can close on the customers sale and payoff rushmore. They are bouncing me around, no response no ETA. Again I am trying to PAY THEM OFF i am with a title and escrow company and can wire their funds to them by tomorrow if they would just issue a payoff statement. They are so consumed with negotiating debt they don't know what to do when someone just needs a payoff statement
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| 04/15/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I CALLED THE COMPANY RUSHMORE LOAN MANAGEMENT TO GET THE EXACT AMOUNT FOR MY REINSTATEMENT OF MY MORTGAGE SINCE XX/XX/XXXX ( FRIDAY ) WE HAVE BEEN CALLING THEM DAILY BUT UP TO THIS TIME THEY DONT HAVE THE EXACT FIGURES, THEY GAVE US THE NUMBER OF THE FORECLOSURE LAWYER ( XXXX XXXX ) BUT IS NOT PICKING UP OF CALLING US BACK, WE HAVE AUCTION DATE OF XX/XX/XXXX, I DONT UNDERSTAND HOW LONG WOULD IT TAKE TO DO A COMPUTATION, THEY SEND ME BEFORE A REINSTATEMENT AMOUNT BUT ITS ONLY GOOD FOR XX/XX/XXXX, SO WE NOW THE FIGURE, JUST NEED A LITTLE ADJUSTMENT, UNLESS THEY ARE DELAYING US INTENTIONALLY OR DOING SOMETHNG ILLEGAL, PLEASE HELP MY FAMILY SAVE MY HOME
|
| 09/29/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have had a very difficult time with Rushmore. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Rushmore always seemed to lose my paper work, which I constantly had to re fax. I also had a very difficult with the representative XXXX XXXX who accused me of " going on trips but no paying my mortgage '' This was based on a purchase on an airline flight, I bought a drink and chips. This was a business trip were the tickets were paid for and the expensive as well. I was very hurt by this and felt this representative did not want to help me avoid a foreclosure.
|
| 09/29/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have had a very difficult time with Rushmore. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Rushmore always seemed to lose my paper work, which I constantly had to re fax. I also had a very difficult with the representative XXXX XXXX who accused me of " going on trips but no paying my mortgage '' This was based on a purchase on an airline flight, I bought a drink and chips. This was a business trip were the tickets were paid for and the expensive as well. I was very hurt by this and felt this representative did not want to help me avoid a foreclosure.
|
| 12/15/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Credit decision / Underwriting
|
|
Web |
|
|
I filled bankruptcy, including my mortgage with Rushmore Loan Management in XXXX and it was discharged XXXX XXXX, XXXX Creditors are supposed to cease reporting negative items after the notice of bankruptcy being filed and creditors discharging items. I am protected through the bankruptcy against any further consequences for this loan. After several credit disputes, Rushmore continues to report derogatory information on my credit reports. They will not remove the comments " settled for less than the amount owed ''. This comment along is not allowing me to get a mortgage to purchase a new home. ( FYIXXXX was the lender at the time of the Bankruptcy )
|
| 11/27/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
XXXX XXXX XXXX XXXX has knowingly RE-AGED an account on my credit report by inaccurately changing the FCRA Compliance Date. The law clearly states under FCRA 623 ( a ) ( 5 ), that the DOFD MUST be based on information obtained by the ORIGINIAL CREDITOR. XXXX XXXX XXXX is NOT the original creditor.
Attached are credit reports and a demand letter from XXXX XXXX, PA dated X/XX/2007 which clearly substantiate you are fraudulently furnishing false information and responses with inaccurate data in an effort to undermine the law and severely damage my credit.
Your responses thus far have been unsatisfactory as valid proof of the FCRA Compliance Date.
|
| 12/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
When I filed chapter XXXX bankruptcy, my mortgage loan servicer continued reporting to the credit bureaus. The reporting should have stopped in this situation. They reported multiple late payments. After arguing with them, they issued a letter on XX/XX/XXXX stating they I had been current on my account since XX/XX/XXXX. They now refuse to report this on time payment history to the credit bureaus. I have tried everything with them and it has been the most frustrating situation i've ever had to go through. They are in violation of the Fair Credit Reporting Act and I can not buy another home until they correct this. Please assist in any way you can.
|
| 04/30/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Today I contacted Rushmore Loan Management Services based out of California. During this call I explained to Rushmore that we have been furloughed and laid off from our positions are requested a forbearance. This was granted however Rushmore is stating the forbearance is only for three months and we would need to pay the entire amount after three months. I explained the CARES ACT and was immediately told FHA are only taking three months at this time. I advised this individual you are not following the law and was immediately told to go to their website rushmorelm.com where they would have some 2 minute and 16 second video explaining the policy.
|
| 08/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I made a partial payment prior to receiving a " trial '' payment in hopes of getting a loan modification. {$1300.00} Rushmore loan management is refusing to allow me to apply the {$1300.00} money in the suspense account to my trial payment.
They are inhibiting me from successfully completing my trial payments.
They are holding my money, they will not send it back and they will not apply it.
In essence, they are stealing from me.
They want their customers in foreclosure to fail to make trial payments.
RUSHMORE NEEDS TO EITHER ALLOW ME TO APPLY THE {$1300.00} to my XX/XX/XXXX payment or they need to send the money back to me immediately.
|
| 04/06/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXX Attorney 's for XXXX have foreclosed on my home they provided No notice that they were debt collectors, no notice that I had a right to dispute the debt No copies of the requested details of the debt. They committed fraud upon the court by affirming that tall the information provided was true and it was not. They never served my ex husband who has not lived with me since XX/XX/2003 they affirm the bank has the mortgage documents yet another Law Firm for XXXX " XXXX '' affirms that they lost the Note. This is just two instances of the numerous counts of fraud they have committed and affirmed to in documents to the Court
|
| 02/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
Rushmore Loan Management Services was assigned my loan from XXXX XXXX for my property during COVID and tried to foreclosure on my property and would not work out or approve a loan modification. I filed for Bankruptcy to stop everything and tried to do a modification through the bankruptcy court. They would not approve me. I then applied outside of bankruptcy court again and they still won't approve me. I make plenty of money, however the housing prices went sky high after COVDI in Florida and I believe they want to kick me out and sell my house for a very high price! I am a single elderly woman and I am being discriminated on. Please help!
|
| 06/01/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Rushmore loan management services has been sending letters saying we are in default of our mortgage. The most recent letter is dated XX/XX/2015 and states that we are in default as of XX/XX/2015. Obviously, this makes no sense. Additionally, according to bank records the mortgage payments sent to Rushmore have been cleared every month since we've had this mortgage. This letter dated XX/XX/2015 is the XXXX letter we've received. After the XXXX letter I called the company & they said they would take care of it. Today I was told that they couldn't talk to me because I'm not my husband! I am concerned that this will affect our credit rating.
|
| 07/19/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
On or around XX/XX/2021, my home equity line of credit was suspended without notice or reason. Since XXXXXXXX XXXX, when I first because aware of the issue, multiple attempts at getting a reason or lifting the suspension have met with demands for arbitrary letters and forms that I have duly filled and sent, yet the suspension has not been lifted.
Please help me get this suspension lifted immediately because there is NO lawful reason for it - my credit scores are XXXX, XXXX, and XXXX ; 30+ year clean record of payments to all creditors with 18 years with this HELOC.
Please feel free to contact me for further information.
Thank you!
|
| 08/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
In XX/XX/2023 said the charge for helping me get a loan modification was XXXX down payment, next payment XXXX. I made the first two payments. I sent copies of mortgage statements and bank statements. After that I tried to reach them but the phone just rings. They scammed me My home is in foreclosure and my mortgage company keeps sending me home retention package and still continues to not help me. I was told i had reached my limit for a modification which is twice They cut into your equity and then forclose on your property. I have income, ,I have been struggling since covid and the lost of my husband..This is unfair Looking for hope
|
| 12/07/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Settlement process and costs
|
|
Web |
|
|
An offer was submitted in late XX/XX/XXXX for {$280.00}, the Building and safety conducted an inspection and found multiple substandard issues with the property and issued a substandard lien. The cost to remove the substandard lien was Estimated by a Licensed XXXX and factored into a revised purchase offer addenda for {$250000.00}. after a complete submission the lender countered back with the same amount of {$280000.00}. after more research it was discovered that the last XXXX conducted was on XX/XX/2016 for an amount of {$260000.00} This seems to be going nowhere and they are not very good at returning either phone calls or emails.
|
| 08/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I applied for a COVID 19 forbearance to help while Im out of work n because my income was reduced. My mortgage co approved the forbearance and they only approved the principal and interest n not the escrow. The P/I was put at the back of the loan but the escrow wasnt n because I was on forbearance for 6 months my escrow is short by {$16000.00} n I received a letter from my mortgage showing a escrow analysis with the shortage amount and if I didnt pay the shortage my payment would go up from {$1600.00} to {$3000.00} in XX/XX/2021. How is that helping my situation. If anything it made it worse. I need help..not make my payments go up.
|
| 12/29/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
XXXX XXXX XXXX sold our HELOC to Rushmore Loan Management Services. The communications from XXXX XXXX were minimal and came late in the process. XXXX XXXX has also not provided any customer support during the transition.
Rushmore LMS failed to provide us with checks for our HELOC once it took it over from XXXX XXXX XXXX. We have therefore been unable to make any payments drawing on our HELOC. We are facing late charges because we can not write checks against our HELOC.
Neither Rushmore nor XXXX XXXX has been at all helpful in solving this problem. In fact, we have had great difficulty even reaching customer service at Rushmore.
|
| 06/03/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
i am a victim of identity theft. i have no contract nor have ever recieved any benefits from RUSHMORE LOAN MANAGEMENT SERVICES. i have no knowledge of this company. i deny their claim that i owe them {$17000.00} nor {$330000.00}. i have never received any cash transaction nor tangible tender in that nor any amount from them nor any of their affiliates and i decline to perform on any unverified note unless i am given the said smount above in cash. no payments will be made until an original note is produced and proof of ownership of said note is produced by affidavit.
There are also forged signatures on said note that are not mine.
|
| 06/03/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
i am a victim of identity theft. i have no contract nor have ever recieved any benefits from RUSHMORE LOAN MANAGEMENT SERVICES. i have no knowledge of this company. i deny their claim that i owe them {$17000.00} nor {$330000.00}. i have never received any cash transaction nor tangible tender in that nor any amount from them nor any of their affiliates and i decline to perform on any unverified note unless i am given the said smount above in cash. no payments will be made until an original note is produced and proof of ownership of said note is produced by affidavit.
There are also forged signatures on said note that are not mine.
|
| 06/14/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I submitted my mortgage assistance application to Rushmore on XX/XX/XXXX along with a Quit Claim deed From XXXX XXXX : XXXX has no vested interest in the property since XXXX, we do not have communication. I would like for my modification to be reviewed with my financial income along with my husband as a contributor since we are financially responsible for the loan. I have provided all the documentation requested from me. attached again is the quit claim deeded that was recorded almost 14 years ago if you could find XXXX and make her submit her documentation great however she has not contribute or been around for the last 14 years.
|
| 06/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Rushmore Loan Management Services began servicing my loan in XX/XX/2017. Since, this company is charging me over {$6000.00} ... for what they are calling " Corporate Fees ''!?? Also, {$1900.00} in " bogus '' late fees. They refused to accept my mortgage payments after alleging that my mortgage loan was in arrears two months.
I've unsuccessfully tried to correct my account for one year now and all I get is the run around.
This company should be investigated by the proper banking agency for their fraudulent business practices & they shouldn't be allowed to do any business.
Their business license should be revoked indefinitely.
|
| 07/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Still no answer on who owns the loan.
XXXX XXXX XXXX has not contacted us on ownership of loan.
Why aren't they contacting us?
Why is a third-party debt collector in charge of this account?
Again, letter is written to find out what is going on.
Third-party will not give us point of contact to owner.
Instead of directing us to the owner, third party wants to foreclose.
Third-party mentions in their business model, that they want to help avoid foreclosure, but why did they ignore us when we completed trial modification in XXXX of 2019.
Since then we have completed numerous modifications and they have declined all of them.
|
| 05/20/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Rushmore unpaid amount is in error. I have discussed this issue with them recently I even provided Rushmore copy of my previous servicer of my account showing overpayment.
I would like to receive back-up information from Rushmore how they arrived to this amount.
at the same time my XX/XX/XXXX monthly due is higher than previous one. I checked with the city assessors that my property tax has not changed at this time it might even go down.
please provide me how you come up with this monthly due.
I would like to request that I will be given a chance to pay my property tax and homeowners insurance myself so that no more escrow.
|
| 02/09/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
i did a modification through mortgage servicer. Just prio to the modification they sent me a change of interest, reducing by 1.5 %. They refused to honor it, stating it was ubder XXXX guidelines, but XXXX states they do n't own the loan. I have complained to them several times, they said they do n't have to honor it. They wont accept the payment based on the new rate, which will change in XX/XX/XXXX this year and agin to the orginal in XX/XX/2018 When i intitiated my modification they did an analysis that showed it was {$25000.00} less than wed but never reduced the principal,, stating they do n't have to follow hamp guidelines
|
| 04/01/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
We contacted Rushmore LLC on XX/XX/2020 to make arrangements to make payments on our mortgage. The rep took all of our financial info and assured us that they would be in contact regarding a payment plan to catch up on payments. One week later I called and I was told to call back the next week, I asked for an email to verify our phone conversation and was told the company did not use email. I have tried for the since then to call every number I can find and I get put on hold for upwards of 45 minutes. I have yet to speak to a human being. I have been unable to log into my account since the beginning of XX/XX/2020. Please help
|
| 08/30/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
For over one year now I have been asking Rushmore loan management services to reappraise my house so that I can avoid PMI. I have asked Rushmore loan to arrange their home appraise and Ill pay the cost - they have time and again refused to appraise my house- they have never given me any legal reason as to why they are not appraising my house in Arizona XXXX this communication started in XXXX and this is XXXX XXXX. I believe my house value has significantly increased in past couple of years and LTV ratio is way better than threshold of 70 % This company is fraud and deliberately denying my right to reevaluate through appraisal
|
| 06/07/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Per my conversation with loss mitigation representative this afternoon, please find pertinent documents attached to show a modification application was in review at time of loan transfer from XXXX via XXXX XXXX XXXX. The denial reason was listed as the loan being transferred - this is not a valid reason for modification denial. I am aware of the 37 day requirement prior to a sale date for modification review however this delay in decision due to the servicing transfer is not the fault of this borrower. Due to this fact I request the sale date be postponed long enough in order for a proper modification review to take place.
|
| 10/24/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
In short I had a mortgage with a coborrower in XXXX ... in XXXX that mortgage was modified into a mortgage with that coborrower by herself. In XXXX I filed a BKXXXX and in XXXX I received a discharge. Rushmore Loan Management took over servicing the mortgage in XXXX and has been reporting to the credit bureaus that the mortgage is mine, open, and delinquent. I faxed them the attached letter on XXXX/XXXX/XXXX and they are supposed to respond within 30 days and have not done so. I had an attorney send them a letter and again no response. All the while my credit is being ruined by them for an account that is not mine anymore.
|
| 06/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Rushmore is late in payment from escrow on my towns property tax, forcing me to make payment to avoid a 30 Day Notice of Lien ( attached ), despite having informed Rushmore when the notice was received. They have removed monies from my escrow account. This is still not resolved after nearly a month of my calling, practically daily and spending hours each call, forcing me to pay out of pocket to cover the cost and avoid the notice of lien. They have no estimated resolution. I do not have confidence Rushmore can effectively manage payments or escrow. They are negligent in their servicing and incompetent in their resolution.
|
| 05/05/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Please consider this correspondence to be formal notice that our mutual client is hereby filing a complaint on the denial of loan modification because your company failed to evaluate this borrower for all los s mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).
The lender has refused to review this clients file for loss mitigation options due to the package being received on XX/XX/XXXX 2017 with a sale date of XX/XX/XXXX 2017 - This is more than 7 days prior to the sale date and being that the lender services more than 5 thousand loans they are required to review this file.
|
| 05/31/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I was approved for a modification in XXXX for 40yrs in the amount XXXX a month. This was being paid to XXXX and then it was transferred to Rushmore in XX/XX/XXXX. I was never late with my payments. I received a letter stating I had to reapply since the transfer of servicers took place or pay all the amount I owed on the loan. I am currently sending them my payments which I originally was approved for and my statements shows the amount going into a special account versus lowering my principal. I did send the application they requested along with additional docs although i keep getting calls of the same missing paperwork.
|
| 03/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Rushmore Loan Mgmt Servicing reports an open tradeline with payments iao {$1300.00} and balance {$170000.00}. I am joint on the promissory note for this loan and quit claimed my interest to the co-applicant. I also included the promissory note in a chapter 7 filing that has discharged since XX/XX/2015 ( case XXXX XXXX. I understand that divorce decrees do not supercede the actual debt, however the debt was fully discharged in the Chapter 7 and therefore this should be credit suppressed and all delinquencies reported since the discharge should be deleted and the balance should reflect {$0.00} discharged in the chapter 7.
|
| 12/26/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Applied XX/XX/2020 for a forbearance extension due to financial impact of covid 19. Never received an update after repeated calls and messages. Was then sent a letter of intent to foreclose after missing XXXX and XXXX payments. I received the notice of intent on XX/XX/XXXX. I then called Rushmore again requesting assistance. I was sent an application to complete and documents to submit. I submitted a complete package received XX/XX/XXXX and have made several calls requesting an update and keep being told it is under review and should have an answer in 10 business days which have passed and it is beyond 10 business days
|
| 06/15/2022 |
Yes |
|
|
|
Web |
Servicemember |
|
I am having a very difficult time with my new servicer Rushmore. I was transferred last month from XXXX Mortgage to Rushmore. I was told by XXXX Mortgage I was unable to receive a modification after falling behind from COVID. I am XXXX Vet and lost income. I reached out to XXXX last week to confirm they have my mortgage and they stated they do and I do not have a sale date on my property. For the past XXXX weeks I have been getting my property ready to go up for sale so I can avoid a foreclosure and resolve my debts. Now this week I have been told I do have a sale date. Out of now where I have a sale date of XX/XX/22.
|
| 02/09/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American |
|
I have been in my home since XX/XX/XXXX and I purchased it for {$72000.00} and here it is XXXX and I still own about {$63000.00}. My mortgage has been sold many during time, I fell behind in XXXX and had to file bankruptcy and during my bankruptcy I was informed that my late payments would be placed at the end of my mortgage. Here it is about XXXX years later and I still have XXXX years on my mortgage. Right now Im paying my Mortgage to XXXX XXXX. I just informed by XXXX that XXXX mortgage owns my loan XXXX mortgage loan trust XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Regards, XXXX XXXX XXXX
|
| 05/03/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Rushmore LM is not offering mortgage relief per the CARES ACT. They are still stuck on the general terms before the pandemic, roughly 3 months, balloon payment or payment spreading to get back in their good graces. Otherwise, foreclosure proceedings.
I have talked and chatted with 4-5 different Rushmore LM representatives and they claim that their management has not given any new guidance. I have filed complaints with the CA Attorney General and the TX Attorney General.
Rushmore LM needs to stop scamming us. They are not following the law. I would like to have to ability to change my mortgage service company.
|
| 01/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I requested a payoff balance for my primary residence last month. The payoff was only {$1900.00} if paid before XX/XX/XXXX. I paid {$1900.00} on or before XX/XX/XXXX, {$4.00} extra to make sure I had an extra balance incase the interest was off a little bit.
The loan servicing company applied {$1400.00} to the principal and {$520.00} was put in an escrow account. Next payment was due in XXXX?
I called and emailed numerous times, the customer service manager did not let me speak and was very rude. Know my balance is {$87000.00} when I should be XXXX.
Nobody at the Loan servicing company has given me any answers
|
| 01/23/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
We submitted a financial hardship package with XXXX XXXX 3rd party source, they verified Rushmore received a full financial package,. Rushmore failed to communicate with our representatives in timely manner and we have received a foreclosure notice for XX/XX/2019 Rushmore told us we are not eligible for a full review,, they also have failed to communicate alternative program options for us and we have exhausted all our options and do not have the funds to re-instate the loan Rushmore is know to not return calls, and fails to communicate efficiently. Agents are not trained property to be sensitive on the accounts
|
| 08/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
I have been trying to get a loan modification for the past 5 months. They denied me because they said my income was not sufficient to sustain the payments of XXXX I submitted income showing XXXX monthly. They also said that I exhausted my modifications. ( MODIFIED IN XXXX ) WITH A PREVIOUS MORTGAGE COMPANY ) MY MORTGAGE WAS SOLD IN XXXX IN WHICH IM ASSUMING THEY CHANGED IT FROM A FHA LOAN TO A CONVENTIONAL LOAN WITHOUT MY KNOWLEDGE. THE COMPANY THAT I AM NOW WITH WHO MY LOAN WAS SOLD TO IN XXXX SAYS THAT I HAVE A CONVENTIONAL MORTGAGE. WAS IT LEGAL FOR THEM TO CHANGE THE LOAN FROM A FHA TO A CONVENTIONAL LOAN.
|
| 06/26/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I wrote Rushmore loan management services and engaged them several times to state reasons why they changed my escrow to non-escrow and they have refused to give me any response. It all started when I realized that my property and casualty was canceled several months back for nonpayment when I filed a claim to the insurance company for storm and hill damage to my roof. Rushmore has since then refused to take responsibility for the cancellation and to take responsibility for replacing my roof. I wrote them again about the error resolution notice and they have still refused to reply to my letter since XX/XX/2020.
|
| 04/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Rushmore Loan management XXXX will not permit applying for loan modification online and direct you to call. However, they do not answer the phone and the phone directs you to go online.
I have spent hours trying to reach this company to no avail. Many times they tell you to call back during business hours but it is during business hours.
Rushmore recently bought my loan from XXXX and they are a sham!
They need to be required to staff appropriately to meet the needs of their customers during this critical time.
It is unacceptable to just ignore refinancing, loan modification and other needs of customers.
|
| 08/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
my mortgage loan was transferred to Rushmore by XXXX XXXX mortgage loan last XX/XX/2020. I have been making payments since the transfer never missed payment and now Rushmore is sending me my monthly bill of {$4700.00} and my usually monthly is only {$1400.00}. I request Rushmore to provide me info as to how they come up with this bill.
they have provided me it.
This problem has been almost three ( 3 ) years now going on with XXXX XXXX but they just doing run around ...
I have been requesting Rushmore to REFI my loan through their " STREAMLINE '' loan as suggested by RI Housing. I haven't heard from them.
|
| 06/27/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I pay the. Mortgage the last week of the month. This company starts calling everyday all day after the XXXX. They have no respect for my work when I tell them I'm with a client. I have to hang up on them. I have never missed a monthly payment in the month. Now it's 25 days in I get a letter I'm delinquent and they added additional fees outside of the {$50.00} late fee.rhis This is a strong arm tactic. You can even report until you are over 39 days late. Is this legal when a late fee was established. This is occurring because I don't answer calls. Ic they can just add crazy fees how are individuals protected
|
| 09/06/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I have a mortgage serviced by Rushmore Loan Management Services.
I am trying to refinance thru a mortgage broker, who asked for a written explanation of a line on my mortgage statement, titled, " Deferred Balance '' in the amount of {$22000.00}.
I've communicated with Rushmore via phone several times over a month, with conflicting answers given me by staff and management.
I'm now at risk of losing a lower mortgage rate and feel Rushmore is being evasive and not acting in good faith.
We ask that Rushmore send an explanation in writing via the FAX number they have listed in my account notes.
Thank you
|
| 02/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
It is impossible to contact Rushmore loan management. They falsely told me I was eligible for a covid related forbearance extension then I was told I was not eligible. Rushmore offered a trial modification and the payments were too high. In the letter included with the trial offer, it states to call if the payment is too high but you want to remain in your home. I have left voicemails and do not get calls returned. The company does not have an email address. I have email addresses of a few employees and emails are not answered. Their chat feature on their website does not work. There is zero communication.
|
| 05/24/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My loan was transferred to Rushmore Loan Management company in XXXX, 2015. Prior to the transfer, my initial loan company had granted me a debt forgiveness of a significant amount. Rushmore, is currently modifying my loan based on my initial loan amount and totally ignoring the amount forgiving as well as payments I have made to reduce the principal balance on my loan. The modification offered is another 30 year mortgage with the principal balance equal to my original purchase price. This ignores 9 years of payments and the loan forgiveness by XXXX. This is clearly a breach of contract and is fraudulent.
|
| 03/29/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I received correspondence from Rushmore mortgage dated XX/XX/XXXX in regards to a modification agreement they want me to sign, that was dated for XX/XX/XXXX.
My loan servicer changed to Rushmore XX/XX/XXXX during my modification trial period. Rushmore refused to honor the modification trial period that was completed though my old servicer XXXX XXXX XXXX they set my home for a property foreclosure sale. I recently received these modification documents dated for XX/XX/XXXX of which is out of date. I have not signed them because it will reflect I defaulted on the modification agreement of which I did not.
|
| 12/30/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Owners fell behind in mortgage payment. Lender offer to put late payment at the end of the loan to bring mortgage current. Lender then sent the attached Partial Claim Mortgage for signatures to a first time home buyer and his senior grandmother. They did not understand what they were signing but was told to sign or lose their house to foreclosure. So they signed it. The problem was they were only behind {$13.00} and they made them sign for {$55.00} and did not give them the difference in the equity they pulled out. They kept the money then and again when the house sold they paid themselves off in full.
|
| 02/11/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Rushmore loan payments on my mortgage to XXXX XXXX Rushmore added their own insurance to my account. When it was sold to Rushmore by XXXX XXXX everything was to be the same well my payment went from XXXX to XXXX because this company tacked on a Hazard insurance of {$640.00} and I don't know who authorized it I did not. Looks like this is what kind of business they tend to run as the consumer we need to find a way to put the crooked business out of business account XXXX account XXXX XXXX XXXX I don't know why they also changed name when I have all proof of it with XXXX XXXX and The TIN # assigned by IRS
|
| 03/21/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I became delinquent on my mortgage when my father became XXXX XXXX. I had to assist with his medicines and care.
I request a mortgage modification several times from my mortgage company to keep my home. Rushmore has refused to assist me with saving my home. Spoke with XXXX today Ext XXXX, Rushmore customer service and he stated the loan modification was denied because they didn't see sufficient funds for the down payment and the file was denied. XXXX was unwilling to assist with help. I have not received any documentation from Rushmore in regards to the modification nor have they requested any funds.
|
| 12/16/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
I have a mortgage of about XXXX in XXXX my house had some damage. The insurance company sent a check for XXXX made payable to both myself and the mortgage company. I called the mortgage company and told them i wished to pay off my loan. They told me to endorse the check send in a copy of the insurance payout and a letter saying that I wanted to pay off the loan. I have called every couple of weeks since then. They have not paid off the loan or refunded the overpayment. They also keep hitting me with late changes. Every time they give me a different reason. They did deposit the check sent back in XXXX
|
| 03/27/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I have a mortgage through Rushmore Financial Services. I called to ask about government help for Covid-19 affected families. I was told that there was a forbearance offered but that I would first have to pay my current mortgage payment. The gal also let me know that I would likely lose my house at the end of the forbearance anyways. She offered no other solution. I paid my mortgage but that leaves me extremely tight. I am just trying not to leave myself in a financial peril during this time. I feel like this company is attempting to manipulate the rules of these programs to take advantage of people.
|
| 05/10/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My mortgage lender has not paid my property taxes and I now have a warrant against the property. They have not received a payment from them since XXXX 2015. Next payment was due XXXX 2015. I sent my lender a deliquient letter and they said it would be paid within two weeks. Two months go by and that 's when I received a warrant from the XXXX. I 'd like to know how to proceed and it it possible to change lenders. I have absolutely no trust in them and they are clearly mishandling my mortage payment that I send to them on time every month. This lien goes on my credit and I 'm at risk of losing my home.
|
| 04/30/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Our loan was sold fraudulently from our original lender to another company. The loan was paid off on XXXX XXXX, 2013 by sale. After numerous attempts with phone calls and e-mails asking for our original wet ink cancelled note and mortgage we to this day have not received them. The property is now up for sale and the chain of title has been broken and the owner selling the property is not the actual owner. As a mortgage holder it is my right to get my cancelled note and mortgage. The title is clouded and I do not want to have any responsibility in this mess and I am asking for my rights to be honored.
|
| 03/31/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I have previously filed complaints about rushmore llc and this company does not respond to the issue at hand and my complaints are closed after the response from rushmore.I am enrolled in the state of new jersey erma program that pays the arrears to get mortgage caught up and assistance in keeping my home.The program has requested arrears payment amount and rushmore lllc continues to not provide this information in a timely basis.This is a predatory tactic to not accept payment either to foreclose or offer a high refinance option on which i had been denied several time through this mortgage servicer
|
| 08/18/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Rushmore has referred my home for foreclosure my loan was securitized and place in a trust where XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the alleged trust. The assignment are fraudulent and robo sigend and they were conveyed after the cutoff date of the loan trust, they have refused to work a modification on my loan, i dispute the said balance and i do not believe that Rushmore or the trust name herein are the rightful party of interest in this matter. I have removed the power attorney from the borrowers waive of rights in XXXX XXXX records and Rushmore/ XXXX Trust do not have permission to foreclose.
|
| 08/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I am having problems working with my mortgage company, Rushmore. At the beginning of the pandemic, I did receive my COVID forbearance for 3 months but after that period they haven't allowed me to continue with the COVID forbearance even though I have been contacting them continuously.
The end of the three month period was in XXXX first and even we contacted them to continue with the COVID forbearance they did not continue with the plan. I am getting set tons of paperwork stating that I am behind in my mortgage and it is impossible to any proper documentation stating that it has been extended.
|
| 04/11/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My mortgage company has been late paying my real estate taxes incurring late fees of {$230.00}. They have deducted XXXX tax payments from my account totaling {$2700.00} that have not been received by my town over the last 4 months which I consider missing. Furthermore they have removed over withdrawn my account in negligence for {$770.00} above what was due by deducting an extra payment which is XXXX of the XXXX missing payments.
A full explanation can be found in the supporting documents. I have spent nearly 3 hours on the phone with the company trying to resolve this matter to no avail.
|
| 04/26/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Because of the pandemic, my husband and I are barely getting hours at work. We called the mortgage company ( Rushmore loan Management services ) to ask if they can put a hold or move the payments back, they refused and said that if they were to do so we would have to pay a lump sum after the 2-3months hold. The whole point is because of financial hardship we called, so how would we be able to pay that lump sum? We have friends and family members who use other mortgage companies that work with them. This is just a disgrace and very upsetting. We can not wait to switch to another company.
|
| 08/01/2022 |
Yes |
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
To whom it may concern, After reviewing my credit report I contacted RushMore LLC, XX/XX/XXXX ; regarding a mortgage I'm a cosigner on. I ask about removing any late or miss payments, I was advised to do a Good Will letter. The owner of the house submitted the letter. It was Denied.
I'm a joint-cosigner, I never received any information regarding late or missed payments on mortgage with Rushmore. I contact Rushmore regarding removing any late or miss payments from XX/XX/XXXX to XXXX XXXX.
I was told to do a Good Will letter. The owner of the house submitted the letter. It was Denied.
|
| 09/15/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
Sent wire for full payoff amount on mortgage on XX/XX/XXXX ; As of XX/XX/XXXX, bank says they won't process it until XX/XX/XXXX but the funds were electronically transferred. I see no reason for bank for legitimately delay the payoff processing by over a week so as to collect interest on the outstanding balance. They should process the payoff as of the day the wire is received and, if the wire transfer exceeds the daily interest charges ( which it would ), they should refund the difference between whatever has been sent in and what is *actually* due as of the time the payoff wire hit.
|
| 08/27/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Dear CFPB, Please Help! The XXXX XXXX XXXX IS FORCING A FORECLOSURE and is REFUSING TO POSTPONE My Foreclosure Sale Date of XX/XX/2019 even though the XXXX XXXX XXXX has APPROVED MY SHORT SALE!! '' In addition to FORCING A FORECLOSURE, XXXX XXXX XXXX is also REFUSING to accept fair market value for a current contract of sale, and Trying to force a buyer to purchase the property above fair market value by scheduling a Foreclosure Sale Date of XX/XX/2019 if buyer does not accept the inflated valuation.
Thank you for any assistance you can provide regarding my complaint.
Concerned,
|
| 06/23/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
I was forced to file emergency bankruptcy to prevent my home from being illegally foreclosed on and sold on XXXX XX/XX/2023. Rushmore violated the Federal Dual Tracking law and did not follow the required servicing guidelines for a VA loan. Now I will have a derogatory mark on my credit for another 7 years. Currently I have submitted my application to the Home Rescue Program and signed the third party authorization. Rushmore has signed up in this program. This program can pay up to 48 months of arrears. Also, the VA has similar options and programs available to modify my mortgage.
|
| 04/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XX/XX/XXXX our mortgage company was XXXX who in XX/XX/XXXX sold out moftgsge to Rushmore loans our payment was XXXX from when XXXX did a mortgage analysis every XXXX now Rushmore has changed our co tract did another Escrow Anaysis in XXXX which just increased our payment XXXX dollars how can they change our mortgage contract we need help they are predatory lender that dont follow rules we need someone to step in and tell them that they have to go by the contract that XXXX had by law and only do a escrow anaysis in XXXX/ XXXX the consumer is getting ripped off by these doings
|
| 07/13/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have tried to find help through the bank in order to obtain my home. But the bank has negated to assist my case. I have applied for a modification numerous times but the bank will not give me an approval, by continuously requesting documents that I have already sent multiple times. I am soliciting you because I feel as if I 've run out of options, and my intention is to stay in my home because I have no where else to go. In these moments, I am ready to make monthly payments towards a loan modification. The bank continues to obstruct my case and I have proof of such actions.
|
| 04/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX This company sold our loan to XXXX XXXX XXXX and the entire process was a terrible experience for us. A principal payment was lost during the transfer and they have made little efforts to acknowledge my request for a complete payment history of our account.
The new lender is not acknowledging the issue and have been difficult to deal with.
Request immediate assistance to mediate the issue and force XXXX to work with XXXX XXXXXXXX XXXX to find the payment, post it to the correct date, and adjust additional interest charged for not posting the payment.
|
| 03/22/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American |
|
I asked Rushmore Loan Management if they offered any payment deferral for Covid on XX/XX/2020. They said yes I could defer up to four payments that would add to the end of my loan PLUS a {$150.00} fee. Now they have asked for payments of 4 payments when I only deferred 3 additional they want a new loan plus thousands in fees. This is fraudulent and I have attempted to resolve this without success. They have sent multiple conflicting requests NONE of which in what was originally agreed by their agent. I am XXXX years old and I feel they are attempting to take advantage of me
|
| 09/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
The systems that they have in place don't let submit your monthly payment for your properly, you can change the password to try to get access to your account but it will always say that the information is incorrect ; and later it will block you.
I'll should have pay my mortgage on the XXXX of XXXX and is the XX/XX/2020 and I'm still unable to go in ; if you call them no one answer not even after an hour of been on the line.
So they are forcing me to pay by phone to collect a feed, but at this point I cant pay one way or the other.
I need help and the need to be monitor
|
| 04/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
Hello my name is XXXX XXXX and I was currently a home owner of my house in XXXX XXXX XXXX XXXX XXXX fl XXXX. I was on a mortgage with XXXX XXXX and they sold to a company called RUSH MOORE I was giving my payments every month and apparently they didnt receive the payments but I have proof of the payments as well as my bank is doing an investigation and found an off shore account, please help up investigate the company and ask them to reopen cases to stop the sale of the home that they are trying to sell now.
We been living in a hotel for 9 months with no one to help us.
|
| 07/18/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have repeatedly requested copies of payments applied I have sent copies of cancelled checks for payments to XXXX that are not shown any where They keep sending the same printed report that gives no information that I am requesting. This is just a stalling tactic to continue the foreclosure. They are debt collectors and do not follow any of the laws nor does their legal counsel The property now has a Lis Pendis filed against it for a federal lawsuit to try and get them to comply with the law They respond to complaints but the response is never directly for the complaint
|
| 01/31/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I entered in to a Trial modification agreement with XXXX XXXX XXXX XX/XX/XXXX the 3 monthly payments of {$1600.00} were paid in full. My mortgage servicer changed to XXXX XXXX during the modification trial period. I spoke with XXXX XXXX XXXX several times in regards to the property foreclosure sale since the modification agreement was with them and ask for their assistance. They refused to assist me and referred me back to Rushmore. Rushmore will not and did not honor the modification agreement and now they have a property foreclosure sale set for my home XX/XX/XXXX.
|
| 06/23/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
on XX/XX/XXXX I completed a loan modification application with current Rushmore Loan Services. they confirmed receipt including all of the documentation required but it will take 30 days for them to analyze and determine a answer.
However, today XX/XX/XXXX i just received a random call from XXXX XXXX XXXX, that my Mortgage loan has been transfer to them.
I called RUSHMORE, to confirm if this information was accurate and representative stated that this was true but that it wont be in affect until XX/XX/XXXX of this year.
Even, with a modification process is place.
|
| 09/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
Have reached out several times trying to get documents because I was told that I took out a second mortgage on the home but I did not and ask for the documents where I would have signed if I did. I have not received any documents to support this. After several calls I was sent some documents stating that If I think that I have been a victim of Identity thief then take these documents to the nearest police department. I have not received any documents with my signatures on a second mortgage and I want the amount of {$9600.00} to be removed from my mortgage immediately.
|
| 10/11/2020 |
Yes |
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Back in XXXX and XXXX, we were out of work XXXX furloughed ) due a natural disaster in Florida. The XXXX and XXXX declared a state if emergency. I reached out to my mortgage holder Rushmore Loan Management to advise we we XXXX be missing payments due to this emergency. I was told no negative reporting would be in my credit report but I recently learned six missed payments were posted even though the mortgage company agreed no reporting would be posted and that we would refinance the loan. The loan was ultimately refinance but Rushmore failed to remove the six markers.
|
| 07/09/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
Hello, My Morgtage has been sold to Rushmore Financial Services. This was sold to them when XXXX left the market. Immediatly they law suit me for the amount of XXXX of the principal amount of the morgtage and want as a settlement 35 % of the amount owed plus all the interest accumulated. I personally thinks is fair, but what motivate me to contact you guys is becasue they are not flexible and expressed that they just want to aquire the home to built their house portfolio. That was the statement from XXXX XXXX from loss mitigation personnel. The phone number is : XXXX
|
| 12/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My mortgage is serviced by XXXX XXXX XXXX and they foreclosed on my property on XXXX. The last mortgage statement from XXXX, I owed {$92000.00} at the time of the foreclosure. My property sold for {$130000.00}, so there is a sizable overbid available. XXXX has refused to issue their final lien amount to the court, even though many requests have issued regarding this. I have an attorney representing me on the overbid claim... it is clear that XXXX is stalling to try and over collect on the balance due. They are trying to strip away the equity left that is due to me!
|
| 08/16/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
got put into Foreclosure without notice and tried to work with mortgage company but keep getting the run around. The lender keeps delaying the process and providing excuses. This appears so that the lender can get a higher interest rate from me.
The lender keeps messing up and reviewing paperwork. I have had to redo paperwork due to their mess ups.
The lender also kept saying to not pay the mortgage payment then comes back to say i am in default. Was placed on a forbearance but was not allowed to make payments and not provided any means to resolve the problem.
|
| 11/07/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
In XXXX I submitted my complaint pointed out how the Servicer - Rushmore Management LLC provided me with a Re-Instatement figure and in that Re-Instatement figure how it included payments that I had already submitted payment for via their attorney on XX/XX/2021, and how because of Rushmore 's error how this has resulted in me being denied assistance from the XXXX program in my state of XXXX
In Rushmore 's response to me they asked me to provide them proof that I paid them {$6000.00} on XX/XX/XXXX with. For perusal I am attaching the canceled check from my bank.
|
| 05/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I WAS AWARDED A GRANT FOR 6 MONTHS OF PAYMENTS ON XX/XX/2023. This would have paid my mortgage up to XX/XX/XXXX XXXX I tried to resolve with asking them to correct my account to reflect payments made to them for me. I have been trying since XX/XX/XXXX when I confirmed the payment amount with them to fix no response and keep getting the run around. I also emailed the program that paid them and spoke with loss mitigation department that handled the payment no resolve or response. The grant XXXX XXXX or close to it. That should have paid thru XX/XX/XXXX XXXX XXXX
|
| 04/01/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Mortgage company failed to provide me with sufficient notice prior to foreclosure. Only notice received was notice of foreclosure which was less than 37 days prior to foreclosure. I did not have time to submit loan modification documents in time nor dispute said debt. Once I was notified of foreclosure date I immediately sent in a complete loan modification package and was told it had to be submitted 37 days prior to foreclosure. Under the fair credit practice act Rushmore should had notified me at least a month prior to foreclosure action to dispute said debt.
|
| 12/23/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
My spouse started buying this home in XXXX. He XXXX in XXXX. He had mortgage insurance that paid XXXX on a house purchased for XXXX with XXXX being paid when we bought it. We do not have taxes included in house note just insurance and lender placed flood insurance. I am the spouse and my credit is not good. My interest rate on this loan started at 9 % and now it is 7 %. I owe XXXX according to their records. We had a thirty year mortgage. I do n't understand since we paid XXXX in XXXX and I am paying more than 300 in interest each month on such a low principal
|
| 02/24/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I am in a chapter XXXX Bankruptcy and am working with a HUD approved Housing Counseling Office Named XXXX XXXX XXXX XXXX Who was given approval from my attorney to help me get a modification. The paperwork was faxes on XXXX XXXX, 2016. My counselor has been Calling two to Three days a week for the last 2 weeks and they Keep telling her that a fax was received but it is not loaded yet. My mortgage company is Rushmore Loan Management. I think they are trying not to help me. I know that it does n't take that long to upload paperwork into a system. Please help me!
|
| 10/22/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
On review of my account I discovered Rushmore fraudulently posted a withdrawal of {$45000.00} against my account on XX/XX/18. I've contacted them to resolve, they submitted a research request by their Collections Department, there has been no resolution on this issue. The company does not have a proactive method described to me for follow-up and its incumbent on me to pursue resolution with them. They have not reversed this payment from my account. The withdrawal shows it was made with check number XXXX, I have a blank check with that number in my possession.
|
| 04/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/2023 i submitted complaint # XXXX against rushmore llc for not responding to the state of new jersey erma program request for reinstatement balance. Rushmore responded on XX/XX/2023 after finally sending the documents requested to be reviewed. On the same day rushmore reported to creditors that a foreclosure was initiated.This is a retaliation and illegal due to the fact rushmore just sent documents after the complaint was filed.I have not yet to receive any foreclosure court documents and the reinstatement quote is in access of whats actually owed.
|
| 06/22/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Rushmore Loan Management Services, LLC I continue to tell them to contact my attorney, but they refuse and contact me directly. I contacted them in 2017 onXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXamong other times. They continue to contact me and not my attorney. I have sent them signed written directives to contact my attorney. My attorney has contacted them. They finally responded in letters received on X/XX/2017 saying they had my letters and would contact me in 30 days - no mention of my attorney or the urgent time constraints in this matter.
|
| 05/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
On XXXX, we received a trial loan modification for signature from Rushmore Loan Management Services.
After reviewing the documents, we noticed in the verbiage of the documents that once acceptance has taken place, adverse impact will affect our credit score.
This is something that we are not happy about. CFPB interpretive rules states that an heir to the estate after a parent dies is able to acquire a loan without any negative impact to them. In other words, we should be able to acquire the loan without any problems. No adverse impact to credit score.
|
| 02/05/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I had a mortgage with XXXX XXXX XXXX I was transferred to XXXX. I recently sold my home. I am currently in the underwriting process for another home. I can not continue forward due to XXXX reporting my account and account inaccurately. XXXX has reported my account paid in full with no delinquencies. While in the underwriting process XXXX has stated I was delinquent when I was not. I have bank statements showing my mortgage coming out every month on top of correct reporting on my credit report. My family and I is about to be homeless and need help. PLEASE
|
| 12/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
We refinanced our mortgage with another bank. The closing date for the loan was XX/XX/XXXX. The last day to pay our mortgage for XXXX was XX/XX/XXXX. The payoff amount was wired on XX/XX/XXXX. Rushmore returned the wire payment was returned by Rushmore on XX/XX/XXXX stating that it was short although they sent the payoff amount to the bank that was good thru XX/XX/XXXX. They are a ripoff and I hate that our loan was ever sold to them. They have been taking our money thru high interest rates since we have been with them and I am so glad to be rid of them!
|
| 11/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My mortgage was recently transferred to a new servicer Rushmore Loan Management and bought by a new lender. My mortgage was modified in XX/XX/2015 with XXXX XXXX XXXX and the terms of my payment changed to 480 months. Shortly after it was transferred to XXXX XXXX XXXX XXXX and terms were reported correctly.The new servicer Rushmore Loan management is reporting the terms at 648 months. I called to inform them that it should be 480 months not 648 months. I was told that it is being reported correctly at 648 months. I will include my modification agreement.
|
| 06/25/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
None of the options really covered the problem regarding this mortgage, but I'll explain ...
Back in XX/XX/2005, when I bought my house, the mortgage company set up a " 80/20 '' loan. I believe this may be considered a predatory loan. To make a long story short, I have been paying a loan for {$42000.00} for 13 years and only a total of {$400.00} has gone to the amount. I still owe {$36000.00}!
The interest is 10.74 % ... is there ANYTHING you can do to help me with this? I have not contacted the mortgage company because I didn't want any retaliation.
|
| 11/15/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
XXXX XXXX XXXX processed a mortgage modification for my residence. I made the 3 trail payments and my mortgage servicing was sold to Rushmore Loan Management. Rushmore would not honor the previous modification agreement they increased my monthly mortgage payment and referred my loan to a foreclosure attorney. I do not think I have been treated fairly I've been working with XXXX XXXX at Rushmore as the single point of contact. She is unwilling to assist me with my mortgage as well as Rushmore Loan Management. I don't want to lose my home.
See Attached
|
| 04/13/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
I currently have Rushmore, ore Loan Servicing as the lender for my mortgage. I have receive several conflicting reports about my mortgage payments. I am currently up to date on my monthly payment s.. Payments have been sent and returned to me and additional late fee applied. This has occurred on more than XXXX occasion. Request for a loan modification application have not been sent. I have most recently received a letter with an intent to foreclose. I like to have my account current and maintain monthly payment as to such time I have paid the loan off.
|
| 04/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
Dear Consumer Finance Agency, I had filed a complaint with your establishment XX/XX/2022 regarding XXXX and I evidently did not respond accordingly. I will resubmit that complaint, however, this complaint is woth regards to new Rushmore Loan Management Servicer. I am in the midst of stopping the foreclosure on my home, but, have received two different amounts due Rushmore. One is from Rushmore itself and the other is from their XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Both correspondences are dated same. I am attaching documents supporting my complaint.
|
| 02/14/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
This is a continuation of complaint number XXXX.
Rushmore Loan Management Services stated in response to this complaint that they would remove the " certified funds only '' restriction from my account and would stop withdrawing money from my account. I received a letter dated XX/XX/20 which shows that they again tried to withdraw extra money from my account ( without authorization ) and placed me back on certified funds status when my bank blocked their attempt. They continue to threaten me with these letters Even though I've never missed a payment.
|
| 05/01/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I own home at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX. My mortgage company is XXXX XXXX XXXX. On XX/XX/2019 I sent a request via fax to remove mortgage insurance premium on XX/XX/2019 since I meet the the borrower initiated cancellation guidelines that includes : 5 year loan time period ; no late payment within the last 12 months and reached 78 % threshold or less of home value. Mortgage service denied request onXX/XX/19. I resent information for rebuttal and dispute on XX/XX/2019 and received correspondence on XX/XX/2019 that it has been denied.
|
| 05/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
i am under a 3 month Forbearance Plan due to the Covid 19 virus i just received a very threatening letter stating i am in default and the loan is delinquent after i pleaded with the bank representative to send me a letter ( or an email ) telling me either to disregard the letter or a letter stating my mortgage is still in good standing, they refused to do so!
please help me as soon as possible as i am already having a difficult time as my business is at a standstill due to the Virus thank you in advance for your help XXXX XXXX cell # XXXX XXXX XXXX
|
| 03/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
I became ill after my husband died.It was determined that I had XXXX XXXX. I received a XXXXXXXX XXXX and have been on the road to recovery for the past years.I tried to get an modification from XXXX XXXX XXXX XXXX for several years only to be mislead by bank. In fact when I wrote a letter to the CEO of XXXX XXXX concerning my situation. I was transferred to Rushmore Mortgage services.
Rushmore received file on XX/XX/2019 two weeks before a scheduled auction.
They had no time to review documents for a short sale or short payoff..
rding
|
| 12/03/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
My dad took out a loan on property that his house and my house are on and he quit making payments and I don't want to lose my house, he walked away from his house, I still reside in my house, The mortgage company won't talk to me because my name is not on the note. I'm trying to figure out what I can do to keep my home, I was going to refinance it all in my spouse and I name but I can't because it is in foreclosure, but if they are not going to talk to me about it how is it possible for me to keep my home. The mortgage company is RushmoreXXXX XXXX
|
| 01/17/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
We Got approved for a loan modification with XXXX XXXX services on XX/XX/XXXX We made our trial payments Starting XX/XX/XXXX till XX/XX/XXXX And XX/XX/XXXX XXXX XXXX XXXX Never sent the permanent contract on how much our mortgage would be on XX/XX/XXXX XXXX XXXX XXXX sold our loan to Rushmore. So we ask Rushmore if they could honor what XXXX Gave us and they said NO we will have to fill out for a new loan modification and we did and have been denied twice please help us we do not want to lose our home but they are not trying to work with us at all
|
| 06/14/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
I have a HELOC with Rushmore Loan Management Services ( RLMS ). RLMS does not allow me to pay down the principle of the loan anytime I want to. It only allows me to add to a monthly payment AFTER it has calculated the next monthly payment.
I've had this HELOC for XXXX years ( transferred from one service provider to another ) and have not encountered this with my HELOC before. I feel that RLMS is preventing me from paying down the principle so that they can allow interest to accrue on a daily basis and make me pay more interest than necessary.
|
| 06/23/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Rushmore loan management services my fha home loan number XXXX for XXXX XXXX XXXX XXXX XXXX pa XXXX. In XXXX i requested help due to reduction of income as a result of covid19. They sent me a letter of approval for three month for XXXX XXXX and XX/XX/XXXX. I sent the request back signed the end of XXXX and emailed a copy XX/XX/XXXX. Since that time I have gotten threatening ltrs that say im delinquent and i have called them and they will not stop these threats. I cant loose my house. Why are they not honoring the forbearance? This is harassment!
|
| 02/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
RE : Incorrect mortgage 90-day late reporting XX/XX/XXXX on my credit reports which in forbearance I have a forbearance agreement dated XX/XX/XXXX for my Rushmore mortgage loan # XXXX.
It confirms my forbearance arrangement was from XX/XX/XXXX to XX/XX/XXXX and it states I am eligible to extend for up to 250 days.
XXXX now is my servicer and they are reporting my mortgage since inception XX/XX/XXXX correctly so having Rushmore report as another mortgage during these same dates makes it look as if I had two instead of one mortgage, in error.
|
| 02/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
RE : Incorrect mortgage 90-day late reporting XX/XX/XXXX on my credit reports which in forbearance I have a forbearance agreement dated XX/XX/XXXX for my Rushmore mortgage loan # XXXX.
It confirms my forbearance arrangement was from XX/XX/XXXX to XX/XX/XXXX and it states I am eligible to extend for up to 250 days.
XXXX now is my servicer and they are reporting my mortgage since inception XX/XX/XXXX correctly so having Rushmore report as another mortgage during these same dates makes it look as if I had two instead of one mortgage, in error.
|
| 04/23/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
For the first time I received a mortgage statement from Rushmore Loan Management with no arrears after I was forced to file a Chapter XXXX foreclosure that was scheduled for an auction on XX/XX/2020. I received a statement 4 days later.
The XXXX XXXX Circuit Court allowed a foreclosure to happen without a mortgage servicer or lender violating the federal and state of Maryland foreclosure process.
Rushmore did none of the requirements below.
XXXX No billing *No notice of intent to foreclose * No order to docket for foreclosure * No Mediation
|
| 07/17/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have been getting lots of mail to my home and place of business from Rushmore loan management services regarding a mortgage for a family member with the same last name as me who has never lived in Florida, I live in Florida, the owner of the loan lives in NY. I called Rushmore several times and asked to stop with the mails but they refused to. I was told by Rushmore to contact the individual and let them change it, I contacted the individual and did as they say. I NEED them to stop sending collection mails to my place of business and my home.
|
| 02/21/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
i am behind on my mortgage and was dealing with XXXX. Filled out the loan mod package and XXXX said I was denied. asked for an appeal ... then XXXX said I was approved without filling out another packet but my loan was being transferred to rushmore. My original loan was for 15 years from 2002. Rushmore is giving me the option to pay 40 dollars less for 20 more years. Am I wrong is thinking this is not right? I had already paid 13 years on a 15 year loan and rushmore wants me to agree with a n3ew 20 year mortgage???? it does n't make sense to me
|
| 11/29/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have reached out to you before regarding my never ending problems with Rushmore Mortgage. You told them to return {$8000.00}. They credited it and then increased my amounts again. The reinstatement amounts and the acceleration amounts are skyrocketing. I will attach proof. They are still REFUSING to accept my mortgage payments, and putting my house in foreclosure. This can not be legal, can it?!? Who can put an end to this? I am running out of options and time.
They also broke into my house and winterized it and locked it. Unbelievable.
|
| 02/21/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I've been making monthly payments to Rushmore Loans, Rushmore Loans is Foreclosing my property saying I was 4 payments behind on a previous mortgage. I faxed Rushmore Loans all my mortgage reciepts of payments from present to past XXXX XXXX from Rushmore Loans said that it wasn't enough information that I have to contact my previous mortgage XXXX XXXX to get and update. When I called XXXX XXXX and faxed my mortgage reciepts and explain my situation XXXX XXXX said it's out of there hands and it's Rushmore Loans that has to make an decision.
|
| 08/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
XX/XX/2021, I applied for modification. It was approved, but payments are unaffordable for my income. I am currently in the process of applying for another modification. They wanted {$960.00} payment and my income is {$2000.00} per month on mine and my husbands social security and pension. We have a car payment and rented apartment temporarily because water is off at the house because of an unaffordable needed repair. We also had to rent storage facility and furniture because we thought they were going to take the house, but they have not.
|
| 06/04/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
Rushmore was repaid in late XX/XX/XXXX for past due amounts totally {$18000.00}. This repayment included CORPORATE ADVANCES for {$5700.00}. Foreclosure fees of {$410.00}.
I made my first payment to them in XX/XX/XXXX for XXXX and ask for update payoff in which I received.
My update payoff included another CORPORATE ADVANCE fee of {$750.00}.
I am XXXX years old and have this property listed with my realtor in which I DEMAND Rushmore refund me ALL CORPORATE advances due to DODD FRANK rules and REMOVE the XXXX current charge on my payoff.
|
| 12/16/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Rushmore Loan Management transfered my mortgage on XX/XX/XXXX to " XXXX XXXX ''. Rushmore Loan Management was advised of an insurance claim on XX/XX/20. They transfered the mortgage in the middle of the repair process and has caused significant delays in the repair process. XXXX XXXX is requiring we send in all documentation that was already sent to Rushmore Loans in order to start sending payment for repairs. They estimate it will cause a delay of up to 30 days. It should be illegal to transfer a loan in the middle of an insurance claim.
|
| 10/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
It is astonishing to me that my previous complaint ( XXXX ) was closed and deemed resolved on the basis of a completely unsubstantiated and UNRESOLVED response from the Mortgage Company ( Rushmore ), without ANY feedback from me, as to my level of satisfaction.
The response involves statements which are inaccurate, to which I am given no opportunity to respond, and the issues are in no way resolved.
I am, therefore, re- opening this complaint and will continue to do so until it is resolved to the satisfaction of all parties concerned.
|
| 07/21/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Rushmore have problem taking my payments from my Account and have been suspended from making payment over phone with my checking are saving account ..The thing is every now and than what ever they are typing in go through sometimes and when it dont Im suspended from making payment that way for like 3 months are more ..and they give me other options which is a burden and crazy but not even my fault ... because the money will still be in my account..its very frustrating when I have to verify often to see if its processing ..please fix ...
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| 03/26/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
To Whom This May Concern : on XXXX XXXX I asked my mortgage company '' could i get an extension on my mortgage payment, because i was laid off due to the convid-19 virus. And I wanted to make sure that I wouldn't get reported to the credit bureau as a thirty day late payment. I was told that " all thirty day late payments are reported to the credit bureau and their 're no exception! At this time i have no income and not sure when i will be returning back to work, so I'm concern about my loosing my home, as well as " bad credit rating!.
|
| 06/13/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have tried to modify my mortgage with Rushmore for many months. I submitted a modification package through XXXX XXXX. Rushmore refused to consider it and I was forced to file bankruptcy when the company moved to foreclose. Subsequently they forced me to enter into a five month trial period for over {$2300.00} per month. I can not afford these payments.
I want to add that this is the sixth company that have serviced my loan. I have fulfilled trial payment periods in the past after which the loan was transferred to another servicer.
|
| 07/03/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have a short sale offer for what my property appraises for and on XXXX XXXX, 2015 I was informed by my mortgage lender that instead of taking the offer and/or countering the offer at a reasonable amount they are going to proceed with the foreclosure sale. This will push me into a foreclosure situation. I have done everything that I can and I am desperate for some type of assistance. I feel as if the lender is n't doing what the government says that they should do, which is provide foreclosure alternatives to homeowners like myself.
|
| 11/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
U.S. Bank, seeking excessive amount about 800K+. XXXX XXXX of XXXX XXXX told me not to attend the conference. He took the documents but never return them. I will uploaded copies of said documents. He didn't submitted them as exhibits nor challenge the different copies of the note the allonge and the assignment that clearly shows that the note was not transfer to USBank only the mortgage in a discovery. Please note the allonge from XXXX it doesn't have the name ( XXXX ) on it. But, the XXXX allonge has the name ( XXXX ) on it.
Fraud
|
| 05/17/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I had an insurance loss XX/XX/2020. I notified Rushmore my lender. I settled and got a two party check. I again notified Rushnmore. They rold me to endorse it and to send it to them, They also told me to send a letter of intent for the check. I told them i was trying to sell the property and UPON the sale of the property the check can be used to pay the remaining mortgage and send me the rest. They took the proceeds and paid the mortgage without me notifying them. Now if I can not sell the property, I no longer have funds to fix it.
|
| 06/02/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I have been paying monthly mortgage payments to Rushmore Loan Management S,ervices on a regular basis for years. Recently I have used XXXX online payment service for this purpose. Rushmore claims that they have not been getting the bank transfer funds and threaten me with numerous phone calls at all hours. My bank records show valid fund transfers. I am unable to talk to reliable Rushmore employees , usually their phone numbers do not answer. I do not want to jeopridise my mortgage, but do not know how to proceed. Please advise
XXXX
|
| 12/06/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have a problem with the loan modification. I got a loan modification in XXXX after getting my mortgage refinance by a predatory lender. The loan modification ened in XXXX. I pay my mortgage every month and I just noticed that less and less of my payment is going to the principal and more to the interest. I have been paying this since XXXX, and after 13 years out of {$650.00} only {$93.00} is going to my principal? They are corrupt and the govenment should be investigating them. I want a audit of my mortgage and I will pay for it.
|
| 07/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Rushmore is reporting incorrect balance information to XXXX. I asked them several times to correct this information, but they do not respond back to me. They are reporting the credit limit as the balance owed. The loan has a XXXX balance and they are reporting {$34000.00} as the balance owed. I contacted XXXX, and they contact Rushmore, and they do not update the balance information on the account. This is causing problem with my credit score. Rushmore also suspended my drawing on this Heloc because of XXXX incorrect credit score.
|
| 10/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I was attempting to do a loan modification with XXXX XXXX XXXX XXXX XXXX on XXXX XXXX they mailed a letter stating that they received my workout package although the was dated XXXX it was not received until XXXX. I called and they informed that would not be completing the process with me. They sold the loan to RUSHMORE and they would be continuing the loan modification with me, but instead the where in the foreclosure process at same time. I advised both rushmore and XX/XX/XXXX that this was unlawful. I am victim of dual tracking.
|
| 12/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Rushmore llc purchased my mortgage during covid and while i was in loss mitigation from previous servicer.rushmore llc defaulted my mortgage and denied loss mitigation.My hid housing XXXX enrolled me into the state of new jersey XXXX XXXX XXXX XXXX delayed the process by not submitting documents required and reporting me late and missed payments to credit bureaus.Rushmore llc has many complaints online of these same pratices.also Rushmore llc continue call asking the status of mortgage and physically put notices on my door knobs
|
| 06/20/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I requested on XXXX XXXX, 2017 via Rushmore Loan Managements online secure messaging system, and via a written letter sent the same day that I wanted to formally request to have my home reappraised in order to remove PMI. I am confident that if my home is reappraised the new appraised value will lower my LTV below the 80 % threshold needed to have PMI removed. I called at some time in mid XXXX to see where my request stood, and was told that it was still being processed. I have yet to receive any sort of response from Rushmore.
|
| 07/21/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I purchased a foreclosed home and have continued to receive collection notices for the previous owner. I contacted the collection agency Rushmore Loan Management Services and explained the situation to them. The agent laughed at my circumstances after verifying that I do not have any 'accounts ' with them and directed me to fax a notice to their department of consumer affairs. The collection notices have continued to appear after I completed this action and the agent working on their behalf is taking photographs of my property.
|
| 10/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
We have a been working on this file since XXXX/XXXX/15 as a short sale there was an appraisal that was done via Rushmore bank and there was an offer to meet the min net per the appraisal. Rushmore denied the offer and stated that they will only allow a DIL as the payoff is XXXX however the unpaid principle balance is XXXX. We have tried to reach out to the investor on the loan and have had no response except to call Rushmore. Please help us to get this bank to allow a short sale. I feel like they are setting us up to foreclose.
|
| 08/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Sir, My XX/XX/2021 fixed-rate mortgage balance was {$35000.00} .I made a payment of {$590.00} in XX/XX/2021 which has been applied. Based on a simple interest rate of XXXX the interest deduction by Rushmore should be about {$140.00} and my principal should be about {$400.00}. My current balance should be about {$34000.00} not {$34000.00} as Rushmore has in their statement. As always I have asked them to correct this to no avail. I am not owing them an other money. Attached are printouts from their statement. Please intervene.
|
| 02/01/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
My house was paid for except small equity line of credit in my mom 's name.i was on the deedXXXX XXXX XXXX XXXX sold this too Rushmore Loan co, they in turn tried to foreclose had to sell at a lower price. I'm wanting full value of that house was a family home. I've turned this over to my law firm to file against this Rushmore, they have bad ratings. They sent no paperwork until attorney sent foreclose papers, then had to sell to investor lost lot of money. Please help on this situation for me. Thanks XXXX XXXX XXXX XXXX XXXX
|
| 09/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
rushmore loan management services extended to me a 3 month furlough due to covid 19.
i started paying the loan last month and they refused my payment saying i was late and the payment wasnt sufficient.
i called the company and they stated they never gave me a covid furlough.
i have all the paperwork at home regarding the payment relief they issued to me.
they also file a missed payment with the credit reporting agency.
which is false.
they returned the check to me. so the payment was made they just refused the payment.
|
| 01/29/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I requested PMI removal from my home as it has been two years and my LTV is 78 %. I will need an appraisal to prove this, which is fine. But the Company demanded my LTV is 75 %, which is against the law. I need you to contact them and demand they comply with the law ( 80 % LTV ). I refuse to order an appraisal through them as they asked if they are only going to deny me when the appraisal comes back as 76-80 % LTV. I can provide proof of their letter demanding the 75 % LTV if you would like. Please contact me for the letter.
|
| 01/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I sent a request for information/qualified written request letter to my purported loan servicer XXXX loan management servicing on XX/XX/XXXX in response to a letter I received dated XX/XX/XXXX.
The address listed on the letter to send these types of correspondence is Rushmore Loan Management Services LLC XXXX XXXX XXXX XXXX, California XXXX However when I track my correspondence this address does not exist and my letter has been sent to another address in XXXX in which the mail has not been picked up in more than 5 days
|
| 03/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
have not received the mortgage statement to pay my mortgage, my payment is due on the first and my late fee is on the XXXX of the month. My wife has tried calling them but no answer so we can pay my mortgage. I need them to send me the statement so i can pay and i do not want late fees.
Rushmore is a XXXX servicer that has repeatedly refused requests to send me what is required by law, A monthly statement.
They claim to have mailed it on XXXX. XXXX here we are a month later and USmail does not take a month to deliver
|
| 07/22/2019 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I purchased an FHA home 2 years and I was told that my loan is assumable. When I contacted Rushmore loans they told me that they don't do assumable loans and that FHA doesn't do assumable loans. They called XXXX and told me that i could call XXXX and they would tell me that FHA doesn't do assumable loans. When i contacted them they said they don't know why they would say that then they gave me me FHAs phone number. I'm looking to have someone assume my loan because I'm moving out of state and I'm told they don't do that.
|
| 08/27/2018 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Company refuses to unblock account.
This is a dead loan.
This company illegally bought the dead loan.
Company continues to notify via mail to ex husband and grown children who no longer live here.
Harassing daily with phone calls and letters Company needs to quit illegally foreclosing and trying to auction home this is the XXXX time in XXXX years and judge has found in my favor every time we have been to court.
I am XXXX and now have a XXXX son.
Illegally trying to modify and change loan that was already in place.
|
| 06/25/2015 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
RUSHMORE LOAN MANAGEMENT SERVICES LLC / XXXX XXXX, Customer Service Representative. This business continues to contact me, about an account that was transferred to them from XXXX XXXX XXXX, this account is in dispute, due to XXXX XXXX XXXX not being able to provide the SIGNED documents on the XXXX XXXX XXXX REFINANCE, that was acquired by them in XXXX of 2008. XXXX XXXX XXXX ca n't provide the information on the XXXX electronic transfer of funds, which was part of the XXXX XXXX XXXX REFINANCE. This account is in dispute.
|
| 10/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Our mortgage management company ( Rushmore Loan Management Services ( XXXX ) XXXX ) continues to charge us flood insurance coverage for our Condo, despite providing them evidence and letters from the master insurance carrier that covers for the entire unit. Several attempts were made to resolve this issue with the company, and despite providing them with more than enough proof that the building 's master insurance covers for their flood requirements, they continue to charge us. Our loan number with the company ( XXXX ).
|
| 05/23/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
my grandmother and i applied for loan modification ten years ago different lenders took over loan also i recieve check from florida hardest hit program the balance remain o ve one hundred thousand dolla rs the mortgage company has falsely reported me into collections my uncle and i are being harassed we submit payments every month the balance remain same ov er hundred thousand doll ars we are XXXX the principle almost at eight perce nt where we could not never pay the mortgage off thanks please help me in this matter
|
| 07/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I can not get my mortgage company to pay my home insurance out of the escrow. Rushmore loan management services tells me they paid it when I cal but XXXX XXXX company hasnt received it. Rushmore did this to me a few years ago and it wasnt until cfpd looked into it did they finally pay. If my home insurance doesnt get paid they default to an insurance company of their choosing. Seems like a scam. My agent as am I are extremely frustrated by Rushmores tactics. My insurance agency is is XXXX XXXX out of XXXX XXXX Florida.
|
| 09/27/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
My parents home ( they are deceased ) has been empty and awaiting resolve for 3 years this net month. The loan has been sold from XXXX to XXXX, XXXX and now Rushmore. I am unable to get resolve in any way. The home was held in a trust, and therefore, we are not liable, however, as they hold it in limbo, I continue to receive bills for taxes and hoa dues. As well as late mortgage statements. I have tried to sell, modify and keep the home. To no evail because of their incompetency. They changed the locks over a year ago.
|
| 05/05/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Rushmore is denying a short sale that we have had in process for 60 days before the foreclosure date. They never did an interior appraisal. They only did a drive by one and gave it an unfair market vlaue. We provided pictures, comparables, and a detailed explanation for why their value was too high. We even got an ALL cash buyer to take on the responsibilty of fixing the home to avoid foreclosure. Now they are transferrign the loan to XXXX Mortgage. But the foreclosure will take place before the transfer. We need help.
|
| 05/18/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
Payment for XX/XX/XXXX was taken out of my account on XX/XX/XXXX making my payment 30 days late, contacted the mortgage company and they stated that I needed to write a letter to explain the situation. I then asked for an e-mail address to where to send the letter and was told that they did not have an e-mail address and documents had to be faxed, I received the fax number and submitted a letter explaining that they had removed the payment for XX/XX/XXXX on XX/XX/XXXX. My credit report still has a 30 day late showing.
|
| 04/03/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have been trying to reach Rushmore Loan Management Services to discuss what options are available during the pandemic. I called on XXXX2020 around XXXX PST and continue to called as they said they were open until XXXX PST. The auto message then said they were closed. We have tried contacting them through their messaging service and still no answer. I am on the phone currently XXXX2020 and have been waiting over 51mins XXXX PST. Many others on their XXXX social media have complained about not getting through as well.
|
| 09/17/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Older American |
|
We called Rushmore Loan Management Services in California on XX/XX/XXXX to request a payoff amount on our home improvement loan. Spoke with someone named XXXX. He said that he could not give us that. I asked why not, & he said it was their policy that they could either fax it to us or mail in about a week. So, today, I tried paying the monthly premium online, and then paying the balance of the amount shown on the page online. It would not let me pay it. We have the funds in our bank account to pay it off. Please help.
|
| 02/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
from mortgagee XXXX XXXX XXXX Loan # XXXX Rushmore Loan Management Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ON XX/XX/2022 XXXX XXXX OPERATOR XXXX XXXX XXXX XXXX XXXX. REFUSE TO TAKE MY {$13000.00} DUES OVER THE PHONE TO HELP SAVE AND KEEP MY PROPERTY FOR ME AND MY FAMILY DESPITE MY EFFORT AND FIDUCIARY RELATIONSHIP WITH THE BANK SAYING THAT IS AGAINST POLICY THAT I MUST PAY THE FULL AMOUNT {$46000.00} DUE OR FORECLOSURE INSPITE OF ME BEING UNDER BANKRUPTCY CASE XXXX PROTECTION. PLEASE HELP.
|
| 08/31/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
I submitted for a loan modification. My income is almost XXXX per month. Rushmore loan management which is now called XXXX XXXX decided to change my income to under XXXX per month and denied my modification stating my income was not enough. I sent 3 months bank statements and a profit and loss which proved my income. They gave me no reason for the reason of the income change. I have equity in my home and I never had a modification before. There is no reason they should be denying this when I have the ability to pay.
|
| 11/05/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Dear XXXX iam writing this note to you telling you about the unfair treatment that i have been getting for trying to get a loan modification from rushmore XXXX loan company I pay several companies to try and help me and I get no result now iam working with a next company and its the same thing so can you please help me cause I want to keep my house all iam asking for is help I filled bankruptcy for several times just to stop them from taking my house I work XXXX jobs to get it and do n't want to lose it thanks again
|
| 04/08/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American, Servicemember |
|
I have requested information and documents from this mortgage company to no avail to the point that it 's frustrating. When I do get a response I am told that the information will be forwarded to me but they do not do so. I 'm on this trend since last year and still do n't have a resolution to the matter. All I want is a billing statement translated to the XXXX language since the mortgage branch is located in XXXX XXXX. The billing statement is to disclose information regarding insurance, property taxes and others.
|
| 02/20/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
was contacted by Rushmore Loan service. regarding modification or short sale.
XXXX XXXX XXXX and XXXX XXXX reached an agreement with the Department of Justice ( DOJ ) to address actions and practices relating to residential backed mortgages.
when we contact Rushmore Loan Services, we were told to contact XXXX XXXX XXXX who never responds to out faxes, phone calls or emails. we have several good offers with cash buyers and pre-approved. we have submitted the short sale package with no response from the servicer.
|
| 08/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
On XX/XX/XXXX I made a wire transfer with the wiring instructions provided by Rushmore mortgage. XXXX processed the transaction and confirmed the transfer. The money came out of my account the very same day.
Till today, Rushmore Mortgage hasn't applied the payment for over {$84.00} thousand dollars. I've gone to chase and they have assured me that the transaction is correct, and Rushmore has that money. I've contacted Rushmore mortgage several times, but they have no answers, just tell me to keep on calling.
|
| 02/15/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I was part of the Covid 19 forbearance and have applied for a partial claim/loan modification. I have sent all documents and they keep saying They dont have lien release paperwork when it was released XX/XX/XXXX and XX/XX/XXXX. Its been 3 months and I still dont know whats going to happen and they refuse to let me make a payment. I call everyday since XX/XX/XXXX. They wont let me speak to someone and dont tell me in a timely fashion information. Rushmore loan is the mortgage company and I have a FHA loan.
|
| 01/12/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
They are foreclosing on my home when I have completed the Modification papers faxed them mailed them they claim to never have received them on 4 different occasions. They deliberately stalled with excuses until they could claim it was to close to foreclosure sale date to stop the Sale. I have repeatedly asked for verification because all the statements I have received from the 4 different servicers are different they just ignore my requests. They have called my former employer trying to collect the debt.
|
| 05/15/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
Rushmore my mortgage servicer mailed me a Proprietary Modification saying 1st trial payment due XX/XX/2019 amount XXXX. The escrows are incorrect because my Homeowner insurance monthly payment is incorrect.
XXXX XXXX the relationship manager was contacted of the payment being incorrect because my homeowner insurance premium was reduced. per XXXX XXXX she was going to provide this information to the processor so my mortgage payment could be reduced and adjusted for the correct payment.
See Attachments
|
| 07/10/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Rushmore purchased loan in middle of short sale. Lost all documentation over and over during several months. Point of contact for them ( XXXX ) is never available, and has not once returned a call. We lost 3 potential buyers because they can't respond or keep documents in order. Now we get a notice to foreclose, but they can't explain why. We have proof of submitting the same documents up to 8 times, but still unavailable by them. They repeatedly yell and cut you off when you are trying to talk to them.
|
| 06/19/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Received a letter in the mail because our loan was sold for the 2nd time ( 3 mortgage lenders so far ) 13 days before payment is due. We are only into our 4th month of being homeowners.
But I have yet to receive info on how to pay my mortgage payment via this nee company and I can not access my account threw them because it doesn't exist yet.
Old mortgage lender was Rushmore new is XXXX.
New lender starts XX/XX/2019, today is XX/XX/XXXX.
Still no information on the lender or how to pay my bill.
|
| 01/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My mortgage was with XXXXXXXX XXXX and I was on the covid relief program when Rushmore mortgage took over my loan and did not tell me that they did not put me on the covid relief program and now they have gone back not only to the first date that XXXXXXXX XXXX put me on the program but also when they got the loan. They also have not given me any time to try and get a forbearance or anything of that nature and they have pursued foreclosure instead of pursuing contacting me so that I can stay in my home
|
| 09/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
Rushmore Loan shows on my XXXX Credit Report that I filed for chapter XXXX. On XX/XX/XXXX. They also show on my XXXX Report that my mortgage was included in a wage earner plan. My mortgage was reaffirmed with XXXX XXXX in XX/XX/XXXX when I filed chapter XXXX. I have always paid my mortgage directly to XXXX XXXX and when sold to Rushmore. My bankruptcy was discharged on XX/XX/XXXX I did not file for bankruptcy on that date as reported by Rushmore. Also my mortgage loan was paid in full in XX/XX/XXXX
|
| 09/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Dear CFPB, We are paying our mortgage on time, Rushmore Loan Management Services keep on sending a letter at least twice a month about late and delinquent payment and we are getting these letters constantly. Also, we signed the loan modification in a hurry without professional review. The modification we received was three months predated. We believed that penalty and interest are excessive, can you please review our loan modification it will be highly appreciated. Thank you very much.
Regards
|
| 03/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Per my initial CFPB COMPLAINT XXXX, Rushmore Loan Management Services continues to insist that my mortgage payment for XX/XX/XXXX was not received, even with a confirmation # XXXX & FURTHER proof from their own online portal!
Ive attached all required documentation for review and REIMBURSEMENT!!!
This company has completed taken advantage of the fact that I am XXXX, and has an absolute nightmare to deal with since my loan was sold over in XXXX by my previous mortgage company ( XXXX XXXX )!!!
|
| 12/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Also, according to 15 usc 1692e this alleged debt is false and misleading.
|
| 06/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX has been falsely reporting Mrs. XXXX XXXX mortgage as delinquent by utilizing an improper loan which does not exist. Therefore, the false credit reporting should have never occurred. On XX/XX/2019 XXXX XXXX XXXXXXXX XXXX XXXXXXXX sent Mrs. XXXX a letter stating they reported account status information to the consumer reporting agencies when reporting should have stopper ; We've notified the consumer reporting agencies and have asked them to update your credit report.
|
| 08/07/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
XX/XX/2018 Co.Rushmore loan management services located in XXXX Ca XXXX. My name is XXXX XXXX from XXXX Illinois address XXXX XXXX XXXX XXXX XXXX. I called today asking for a A home equity loan or refinance this company couldnt provide neither one they said stop doing it in XX/XX/XXXX of this year XX/XX/2018. This Co.Never sent no email phone call or mail that they were stop providing this Service and didnt know if they were going to ever do so again something has to be done about this problem
|
| 06/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX has repeatedly issued fictitious loans against my Florida property without any appraisals, any regulatory safety measures and has continually misrepresented facts and using government officials, government resources and government employees to aid the fictitious loan schemes.
The notaries, attorneys and clerks are acting under unlicensed activities and do not have the authority to endorse any loans and fictitious loans without appraisals with repeatedly signing off in my absence.
|
| 07/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have submitted paperwork for a loan modification but I still have not heard anything I left a mess with Ms XXXX XXXX XXXX I still have not heard back from her I did talk to someone Named XXXX and he is on e of the agents at Rushmore but he gave confusing information, to say that I should XXXX short term refi and that I would not get a market rate ..All I am trying to do is save my house with a fixed rate so right now I feel that I am stuck ..SO I NEED ALL THE HELP I CAN Get to save my house
|
| 04/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I sent a complaint to you and Rushmore answered by saying they would let me do another modification the new packet was submitted through.. XXXX This week My representative spoke to a person at Rushmore now they are saying they will not review me for a modification. Nothing changed.. which income has also rep said its too many missed payments. My XXXX Rep. XXXX XXXX said to send this complaint back to you so you can look into it. I want to modify.. this all started from a Covid forbearance.
|
| 12/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
MY MORTGAGE WAS SOLD ON XX/XX/2018 TO RUSHMORE LOAN FROM XXXX XXXX XXXX MY MODIFICATION PAYMENTS WAS $ XXXX@ 4.00 % FOR FIVE YEARS, MADE SIX PAYMENTS TO XXXX XXXX XXXX, THEN MY LOAN WAS SOLD TO RUSHMORE LOAN # XXXX I MADE 7 PAYMENTS TO THEM THEN I FELL BEHIND ON MY PAYMENTS BECAUSE OF JOB LOSS IN XX/XX/2018 RUSHMORE IS TELLING ME MY PAYMENT CHANGE TO {$1600.00} A MONTH BECAUSE CALIBER CALCULATED WRONG I SIGNED A PERMINENT MODIFICATION I FEEL LIKE THEY ARE TRYING TO FORCE ME OUT OF MY HOME
|
| 08/04/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American |
|
My mortgage was with XXXX XXXX for about 13 years, then they sold it to Rushmore Mortgage Company. Rushmore falsely claims in a statement of theirs that I did not pay my mortgage XXXX XXXX XXXX and XXXX of 2021 and I did so. XXXX XXXX had my mortgage at that time, Rushmore did not receive my mortgage account until XX/XX/XXXX of this year. They reported this to the credit bureau people and now I have a bad credit score. I was just ready to refinance in XXXX and now I can't because of this.
|
| 11/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
Rushmore Representative promised to wave a non-sufficient fee of {$20.00} XXXX months ago and the charge is still showing. When I paid my mortgage over the phone the Rushmore Rep put in the wrong digit for my bank account and the payment didn't process They charged me for their mistake. I explained to the Rep what happened, the rep said they would waive the {$20.00}. I saw it on my account to date on my online account. This happened approx. XXXX months ago and the charge was not waived.
|
| 09/13/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Rushmore Loan Management Services refusal by Rushmore to appraise house for cancellation of PMI I have written 3 letters to Rushmore as per their instructions, requesting an appraisal of my home to cancel the PMI. Each time I send in the request, they arbitrarily deny it, stating my home value is not 20 % value to loan. They are refusing to appraise the house for its new value post improvements. Each month I continue to lose money because my loan " service '' refuses to provide service.
|
| 09/14/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I submitted a file to Rushmore Loan Management for a loan modification through XXXX. I also filed Chapter XXXX Bankruptcy to get rid of the arrears of the loan. Rushmore is trying to recoop the arrears which I do not have by paying upfront funds of {$8000.00}. They have also given me a sale date and a modification which is duress. I can afford the {$1200.00}, but the upfront funds of {$8000.00} I do n't have that is why I filed bankruptcy. The sale date is scheduled for XXXX XXXX, 2015.
|
| 04/05/2022 |
Yes |
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This is a payoff I'm requesting a 1099-C form. This mortgage account is not a debt and at a {$0.00} balance. Please remove from all Credit reports XXXX ( remove ) XXXX ( remove ) XXXX ( remove ) Also, Rights Violated Under Fair Credit Reporting Act 15USC-1681b section 602A State I have a right to privacy Rights also violated under 15USC-1681A section 604 A section 2 Also states a consumer reporting agency can not furnish an account without my written instructions. Please Remove Asap.
|
| 03/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I signed a loan modification contract with Rushmore Loan Management on XX/XX/XXXX after making regular trail payments since XX/XX/XXXX.
All the trials payment were on time and still the organization marked me late since there was clause in the contract.
However after signing the official contract that became effective immediately Rushmore Loan Management still marked me late for XXXX and XXXX even though payments were made on time.
This illegal and overly punitive for no reasons.
|
| 03/07/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My initial intent was to submit a legitimate complaint about the errors in the handling and service of my mortgage that was transferred to Rushmore Loan Management Services. However, I see that there are over 1000 complaints logged already. Therefore my first complaint would have to be with the CFPB. There are 1288 complaints on Rushmore. Thats 1 complaint every day for 3 years without any penalty. This has allowed Rushmore to continue predatory practices and offers no faith in CFPB
|
| 06/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX has been falsely reporting Mrs. XXXX 's mortgage as delinquent by utilizing an improper loan which does not exist. Therefore, the false credit reporting should have never occurred. On XX/XX/2019 XXXX XXXX XXXX XXXX XXXX sent Mrs. XXXX a letter stating they reported account status information to the consumer reporting agencies when reporting should have stopper ; We've notified the consumer reporting agencies and have asked them to update your credit report.
|
| 08/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 01/22/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
Pursuant to Federal Rules ( 1002.14 ( a ) ( 1 ) - Equal Credit Opportunity Act - A borrower is entitled to a copy of the property evaluation or BPO in connection with a loss mitigation application.
Rushmore believes that the Federal Rules does not apply to them. Their representative continue to defy the request and are now in violation of the above mentioned Federal Rule. Rushmore has engaged in Unfair Business Practices and should be sanction. There is no one above the law.
|
| 01/11/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I was in a covid forbearance program and have resumed payments. This company has locked me out of my web account and will not answer their phones. I've tried over XXXX times to call XXXX different phone numbers and can not get help. I finally received a loan modification packet and returned it. I started and completed XXXX trial payments and was awaiting final loan mod paperwork when I received XXXX separate letters of " Intent to foreclose '' THIS LOAN IS NOT IN DEFAULT.
|
| 07/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have been impacted by COVID. I made the mortgage company aware of this. Per their website they offer COVID assistance though they have not yet offered that to me. I have been making partial payments ( more than half of my regular payment ) yet I received a foreclosure notice. I am attaching documentation showing all of my communication and payment efforts as well as information listed on the company 's website. My most recent communication with them was on XX/XX/2023.
|
| 07/30/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
Rushmore refuses to verify the accounting of my loan they have NO RECORDS from the preious Servicer 's and no one knows where my overpayments were applied. I have REPEATEDLY REQUESTED MY SERVICING FILE AND TO DATE HAVE NOT RECEIVED IT.
They fraudulently foreclosed on my home and are trying to evict me despite denying my right to redemption, my right to have the debt validated, my right to know where my Money went There is over {$96000.00} in payments that someone has.
|
| 12/14/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
XX/XX/XXXX got a call from a collector. Mentioned a payday loan that I did default. I paid them. Then today XX/XX/XXXX I got a call from another collector and said to pay the same pay day loan. Thinking this was another payday loan, I paid this guy. Later to realized I paid two collectors for the same loan.
I paid {$760.00} in XX/XX/XXXX and {$560.00} today. I think the loan was originally {$300.00}. I need to find out who
was the company that called me in XX/XX/XXXX.
|
| 01/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
they will NOT answer phone at all. Waited 2 hours. Trying to reach escrow which is wrong NEED to have a new one reran with accurate information. Called United States ( XXXX ) XXXX - XXXXMonday - Friday XXXX AM - XXXX PM XXXX and United States ( XXXX ) XXXX - XXXXMonday - Friday XXXX XXXX XXXX XXXX XXXX XXXX. Have been trying for days They do not answer on purpose until I file a complaint. What a waste of the CFBB and my time. They need to call me ASAP XXXX XXXX XXXX
|
| 02/25/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
My husband ( XXXX XXXX ) and I changed our home owner 's insurance to another company in XX/XX/2019 saving {$1200.00} dollars per year in the premium. However, Rushmore refuses to lower our payment. Furthermore, they have arbitrarily said we have an escrow shortage of more than {$3000.00} and increased our mortgage payment when we did not fall behind in payments at all the previous year nor did we see an increase in property taxes. Again we saved money on insurance.
|
| 07/29/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I have had problems with Rushmore Mortgage, my payments keep going up - I paid the shortage amount for escrow but this was not applied, instead the payments went up by almost {$200.00}! I spoke to customer service rep, on XX/XX/XXXX, I was on the line with them for over an hour, I still do not have an answer as to why my payments are going up, I would like to have my mortgage account audited and find out why this is happening.
Thank you for your help in advance ...
|
| 02/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American, Servicemember |
|
We applied for a loan re-cast and were denied based on : - " Our monthly Income amount of {$8400.00} Is sufficient to sustain current payments under the Note and Mortgage without modification. '' - This is an error. Our monthly income is under $ XXXX monthly.
- We are both retired and receive income from Social Security and a small XXXX XXXX XXXX.
- Award letters were sent to lender along our letter of their error.
Sincerely, XXXX and XXXX XXXX XXXX XXXX XXXX
|
| 09/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Rushmore Loan Servicer as of XX/XX/2020 has 1. stopped sending monthly statements, 2. refused to speak on the phone with us regarding the missing statements and 3. regarding our modification application. Rushmore, even though is our Servicer, said we must only speak with their attorneys XXXX, XXXX XXXX XXXX. We refuse to speak with any adversaries at a law firm and demand the Servicer, Rushmore, speak with us the customer and provide monthly statements as required.
|
| 04/27/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
We have submitted a Complete Loan Modification Packet but the lender is refusing to review because of the sale date. Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regula tion X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). QWR was sent on XXXX -2017 with no response.
|
| 08/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
Servicemember |
|
I have closed referenced loan has been paid in full XX/XX/2021. From Rushmore Loan Management Services LLC. Account Number XXXX. Attached with letter, discharge Mortgage. Dated XX/XX/2021. Also, attached on Deed Dated on XX/XX/2021 and signed. I contacted Rushmore to remove the foreclosure and late payments. Current payment status 60-89 days late. Reported by The Rushmore Mortgage Company. I have all paperwork showing proof Discharge of Mortgage and signed Deed.
|
| 01/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have 3 mortgages with Rushmore Loan Management Services. On all three I pay the escrows. On all three they have not paid the escrows. These mortgages were acquired XXXX, XXXX and XXXX of XXXX and XXXX and now I'm getting notices for non payment from my insurance companies and the taxing authorities.
Account number XXXX is for XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX I also have loans on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NH XXXX
|
| 05/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My wife 's credit report reflects totally wrong information. Her XXXX credit report shows that the last two years of her mortgage have been submitted late.
This is totally incorrect, and she has kept the Certified Mail receipt/overnight mail delivery to prove this assetion.
This wrong information has now cost her to be denied a {>= $1,000,000} EIDL Loan from the SBA.
This Financing/Mortgage company has even acted in disregard of a Judge 's signed Court order
|
| 02/19/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/ their records indicate a payment of {$62.00} for Mortgage Insurance ( PMI ) for a due date of XX/XX/. In addition, on XX/XX/ their records indicate a payment of {$300.00} for Mortgage Insurance ( PMI ) for a due date of XX/XX/. The amount due on a monthly basis is {$300.00}. The {$62.00} payment amount should be refunded to my escrow account as an erroneous payment on their behalf.
Please apply the over payment of {$62.00} to my escrow account ASAP.
|
| 11/13/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 11/19/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My loan was serviced and modified by Rushmore in early XXXX. Prior to that from XXXX-XXXX, Rushmore force placed a hazard, flood, flood-gap insurance policy claiming that the condo master insurance policy I submitted was insufficient. The insurance premiums were excessive and amount of coverage was excessive. My loan was transferred to XXXX XXXX last month and they informed me that was policy was not mandated by my loan provider and was improperly assessed.
|
| 12/22/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Around XX/XX/2020 I wrote and debt dispute and Cease and Desist Letter To Rushmore Loan Management Services. After receiving this request Rushmore Loan Management Services still called me XXXX time after the request. Rushmore Loan Management Services called on XXXX, XXXX, and XXXX. Rushmore Acknowledged they received the cease and desist request in a letter dated XXXX.
The phone calls caused me a lot of stress and I am still hurt by the company 's actions.
|
| 08/04/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I had taken a loan out with Rushmore Financial. I fully wanted to pay it off within 4 weeks. I was in an accident and had a lumbar fusion. I was trying to contact them to hold off until after I return to work XX/XX/XXXX to pay off the loan. They will not work with me.
I am not earning any money until I go back to work. I can pay off the loans XX/XX/XXXX. I borrowed {$500.00}. The payments are {$100.00} per week. The current loan balance now is {$1200.00}.
|
| 03/03/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
On XX/XX/2017 I sent a request for mortgage assistance to the servicing company to my mortgage loan. The reason my loan became delinquent was because the monthly payment the lender offer were much higher than promised. I have applied for loan modifications several times but always get denied due to inconsistent reasons. I was recently advised by my loan 's servicing company that they are no longer taking any more documents to process a loan modification.
|
| 04/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Rushmore Loan management has illegally charged my Escrow account {$1600.00} in premium for a eight months insurance coverage and has denied to refund that amount. My condo has been insured always from the XXXX XXXX XXXX, they added coverage overlapping insurance coverage already in place and continues to answer that they can do it at will from the mortgage contract. The mortgage contract is clear that they shall not change insurance waivers unresonably.
|
| 10/31/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
DEPITE, BEING APPROVED XXXX XXXX, BY XXXX XXXX XXXX XXXX XXXX HOME OWNER ASSISTANCE FUND GRANT PROGRAM , APPLICATION XXXX FOR MAXIMUM XXXX TO PAY MY ARREARS THAT IS NOW XXXX WITH RUSHMORE LN MNGMT SVCS LLC REFUSING TO LOWER MY ARREARS TO XXXX WORK OUT ORDER PLAN SO THE GRANT MONEY CAN BE WIRED TO THEM TO SAVE MY HOME. SO I COULD SEND THE WRITTEN WORK OUT ORDER PLAN TO: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHONE XXXX EMAIL : XXXX
|
| 09/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Creditor Information RUSHMORE LOAN MANAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX not reporting information to credit bureau XX/XX/2019 my mortgage was sold to this company They removed information showing Payment information on credit report since then for years now again they closed account on my credit report ruining my credit status ... it's open it's not my flaunt they have a lot of complaints against them for a number of issues
|
| 03/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Rushmore Loan Management sold the servicing of my mortgage to XXXX Mortgage XXXX. The transfer was made on XX/XX/2022, as of XX/XX/2022 my credit score dropped XXXX points. The problem is that Rushmore is showing the account as " closed '' not sold or transferred. I have tried speaking with them on the phone, and even filed a complaint with the XXXX. Their stance is basically that the account is no longer with them, so it is no longer their problem.
|
| 01/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have had a very difficult time with XXXX XXXX XXXX. I have recently applied for a modification. I was denied after a 3 month attempt. I could never get a hold of my assigned rep XXXX XXXX. I would always have to resend the same documents over and over. Once I was finally in review after weeks of sending document I was declined. I was declined with the incorrect income. So after weeks of sending documents Rushmore reviewed me with the wrong income.
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| 08/24/2018 |
Yes |
|
|
|
Web |
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They will NOT send my payoff, they keep claiming they are faxing it and verify the fax #, every single time I call there is a different excuse, it takes 5 days, it takes 2 days, you sent the payoff request to the wrong fax number, can you verify the fax number, and now they say they have faxed it 3 times but don't have the times it was faxed. My attorney is holding my loan proceeds until they receive the payoff statement which never seems to come!
|
| 02/14/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Filed for Bankruotcy Forclosed on property and equity credit line bankruptcy discharged property foreclosed on and sold to soneone else i no. Longer live at or own this prooerty THE EQUITY CREDIT LINE WAS THROUFH XXXX XXXX. I RECENTLY STARTED GETTING CALLS AND STATEMENTS FROM XXXX XXXX XXXX XXXX WICH LOOKS LIJE BOUGHT THE LOAN FROM XXXX XXXX THEY ARE BOW TRYING TO COLLECT ON A LOAN THAT WAS DISCHARGED IN BANKRUPTCY I CONTACTED THEM AND NO LUCK
|
| 01/02/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
Wire transfer sent on XX/XX/XXXX to Rushmore loan management in the amount of {$81000.00} .Rushmore says they did not get it. Even if its confirmed. They are holding over {$6000.00} of my money, between escrow and over payment.
On XX/XX/XXXX received phone call from Rushmore saying I would pay late charges and could be put in foreclosed. Gave agent all information on wire no they did not get it. Called Rushmore today XX/XX/XXXX same run around.
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| 05/06/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Rushmore Loan Managment Services will not provide an assignment document for my refinance with XXXX XXXX. They were contacted 9 weeks ago, on XX/XX/XXXX, and i have written and called numerous times. I am paying an over market interest rate and have to believe at this point that Rushmore benefits from the delay in some way. The service on the phone is very poor with extended delays in connecting and getting someone to actually work on this.
|
| 09/23/2021 |
Yes |
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- Struggling to pay mortgage
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|
Web |
|
|
I was granted a forbearance under CARES. Now Rushmore Loan Management has sent me a letter saying I'm " delinquent '' and demanding {$35000.00} by XX/XX/21, which is 8 days from now ( their bill arrived yesterday, XX/XX/XXXX ). They're charging some late fees and the entire amount due since the forbearance began, as well as some additional amounts that are unclear, as the itemized numbers they list do not equal the total they're asking for.
|
| 05/27/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/XXXX my home equity loan was sold by XXXX XXXX to Rushmore Loan Management Service ( " Rushmore '' ). The amount owed was paid in full on/or before XXXX, XXXX. As a matter of fact, the amount was overpaid and Rushmore refunded the difference. On XX/XX/XXXX, Rushmore sent correspondence requesting a payoff fee {$200.00} to close the loan and cancel the lien.
Your attention to this matter will be greatly appreciated. Please advise.
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| 12/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Every month the last 2 1/2 years XXXX XXXX until today XX/XX/XXXX, I have a late payment status. Every other month this reflects on my credit here as a homeowner for 17 years. This mortgage company has been saying I am late on paying every month. I should have an 800 credit score I only have at XXXX & have never been late. I have all documents that state when all payments have been paid. I have nearly been homeless because of these issues.
|
| 08/24/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Rushmore declared that is a loan servicer and not the owner of the loan. Therefore not a real party of interest : it can only collect the money and pass to the owner. Also, do not have the right to enforce the loan Please refer to US Code Title 12, Part 226- Truth in Lending.
It defines who a lender is, and what the rights of service are. Specifically, it refers to 226 ( a ) 1 that a servicer is not treated as the owner of the obligation
|
| 02/10/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I purchased my house In XX/XX/XXXX for {$72000.00} and here almost 29 years later I still owe about XXXX XXXX. I filed bankruptcy in XXXX and at that time the mortgage company informed me that my late payments would be put at the end of my mortgage. I requested to have my mortgage put on my credit report to no avail. There is absolutely no way my remaining balance should still be this high. Citigroup mortgage loan trust owns my mortgage
|
| 06/20/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XX/XX/XXXX, insurance claim checks were received by a company reprentative at Rushmore Loan Management Services.
Initially Rushmore claimed checks were not received.
A week later, the checks were found. I was informed that checks would be endorse and mailed to me the week of XXXX later in the week of XX/XX/XXXX.
Today XX/XX/XXXX, the checks have to my knowledge now been signed and mailed back so I can pay contractors for their work.
|
| 09/14/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My house was illegally foreclosed on XXXX/XXXX/2015. The bank did not generate documentation that they legally hold the original deed and the title nor they showed any interest in numerous modification attempts that I tried. Please help me resolve this situation and get my house back to me. I know for a fact they have fraudulently foreclosed on me and the mortgage audit has shown that they have committed a securitization fraud at least.
|
| 04/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
Under the FDCPA Section 807 ( 8 ) : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX c/o Rushmore Loan Management Services, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ALL have failed to report a disputed debt to the credit bureaus.
|
| 02/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Since XX/XX/XXXX Rushmore loan management has been reporting late payments on my credit report. Until XX/XX/XXXX they reported up to 120 days late. Suddenly in XX/XX/XXXX my payments are on time. I've never made more than my normal payments. When questioning them on these late payments they had sent me a letter for a mortgage that isn't even mine. They are reporting late payments on my mortgage from a mortgage that isn't even mine.
|
| 10/07/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I applied for a loan mortgage modification. I was approved. The mortgage is requesting a down payment. When I questioned the request for a down payment the mortgage company increased the required monthly payments. the monthly payment is unreasonable.As senior citizen, and want to stay in my home I feel the mortgage company practices are unlawful. The deceptive practices are not in the spirit of helping families stay in their homes.
|
| 03/16/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My mortgage servicer, Rushmore Loan Management Services, did not pay my property taxes. I sent them the bill multiple times, contacted them by phone and mail. They promised to investigate but the taxes are still overdue. There is more than enough money in the escrow to pay the taxes but they have not done anything. I do n't know how to handle this.
The tax bill is already overdue with assessed penalties and could go to collection.
|
| 12/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
1XXXX XXXX XXXX XXXX XXXX XXXX REFUSE TO REMOVE FRAUD FORCE PLACED HOMEOWNNER INSURANCE PREMIUM {$1700.00} AND {$1400.00} OFF MY ACCOUNT ESCROW ANALYSIS VIOLATING FLORIDA STATE AND FEDERAL LAWS.
2. XXXXXXXX XXXX XXXX XXXX XXXX PUT ME IN HARMS WAY SETTING MY ACCOUNT AS NON-HOMESTEAD. MY PROPERTY IS MY HOMESTEAD SINCE XXXX CLASSIFIED BY XXXX XXXX XXXX XXXX XXXX FOLIO # XXXX, PHONE XXXX I NEED THESE 2 URGENGT ISSUES RESOLVE ASAP.
|
| 01/27/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I recently requested a forbearance extension from Rushmore loan management and was told that it was denied by the owner of the loan. There was no further explanation. When I called to discuss this I was told that most likely forbearance were no longer being offered. I would like to appeal their decision and request a forbearance extension. I am only working part time due to my ssi XXXX and can not yet afford my mortgage payment.
|
| 04/26/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Ocwen fraudulently foreclosed on my home in 2015 after refusing to provide documentation that they held the mortgage to my home. Despite numerous requests no documentation was forthcoming and they eventually fraudulently created paperwork with fraudulent signatures to foreclose my home. I previously filed a complaint on them. I have everything documented and I am willing to provide these documents in support of my allegations.
|
| 01/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I had a modification in place and was paying forced insurance and when I added my own it did not subtract the forced insurance amount from my monthly bill and now that the modification is at an end they raised my mortgage from XXXX to XXXX and I just got a letter saying it is going up to XXXX a month starting in XXXX my taxes and insurance is included in payment and always has been so I don't understand why it keeps going up
|
| 10/17/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
wells fargo transfered my loan to Rushmore during a loan modification and then they are forclosing on my home because they said you wont allow them to stop because the date is less than 37 days away They are also saying my application was denied by wells fargo prior to transfering for missing documents. i have sent them emails and all corrspondence showing i sent the documents to my loan specialist on time and when requested
|
| 02/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
I applied for a loan modification, Rushmore mgmt.co agreed on XX/XX/18 but increased the payments by XXXX instead of decreasing the payments. The original monthly payment was approximately XXXX, new monthly payment was XXXX and they increased the interest rate. I did not agree to the modification since I could not afford the increased payments.
I became unemployed on XXXX and my husband abandoned our home on the same day.
|
| 08/21/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
On XXXX XXXX, 2015, I spoke with XXXX at Rushmore and confirmed all documents were received and sent to be reviewed. XXXX XXXX called the homeowner to ask for social security benefits documents and it was faxed over XXXX times. After confirming that the documents were received, Rushmore foreclosed on XXXX XXXX who is XXXX years old. XXXX XXXX has no where to go and the abuse that 's going on against the elderly must stop.
|
| 03/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I worked at length in effort to save my XXXX mortgage was sold at least 3 times amidst my attempts to obtain modifications and once close to approval the sale reset my process. My understanding is loans cant be sold like this and still collect from me. Please assist. I lost my home and was made to move amidst the pandemic with a XXXX child. Im still having difficulty as consequence of this.
Sincerely, XXXX XXXX XXXX
|
| 06/06/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Faxed a XXXX request for mortgage assistance package to the Home Retention Assistance department at Rushmore Loan Management Services on XXXX/XXXX/2016. Called today for a status check on XXXX/XXXX/2016, and the representative said they would not review the RMA because the sale date is XXXX/XXXX/2016. I 'm not a lawyer, but in review home retention state law they are required to stop the foreclosure and review the RMA.
|
| 07/19/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I was on a payment plan. I made the payments. The realtor said there was a buyer for the house. So I didn't make the next payment. The buyer back out so that left me behind on the payment plan.
I asked to be put back on the payment plan. They said no. I need to complete a loan modification. I'm not needing a loan modification I need to be reinstated to my payment plan. I am able to pay according to the payment plan.
|
| 02/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I was checking my credit report and I see there were a few late payments. This information affected all my credit history. I was paying as agreed all the time. I always responsible and taking care of all of my payments. I believe it was something wrong with the payment system maybe. I would like to ask you to remove these late payments from my credit history. I promise that I will make payments on time. Thank you!
|
| 05/21/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
on XX/XX/XXXX I reached out to inquire about forbearance. I received a letter of XX/XX/XXXX letting me know I was approved for forbearance but it was never requested.
they also added a negative remark on my credit report lowering it by 20+ points This is bad practice since it was never requested and it impacted me negatively I'm looking to refinance my loan and I was told since it was in forbearance I could not!
|
| 04/06/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Over the past XXXX weeks since XXXX has been under a stay at home order due to the CoVid19 pandemic I have been unable to work and have contacted Rushmore Loan Management on multiple occasions to try and arrange a deferrment/forbearance option. Even though XXXX has declared XXXX a federal disaster state, they are still not offering me any relief on my mortgage that they bought from XXXX XXXX XXXX months ago.
|
| 01/11/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
We submitted a loan modification application on XX/XX/2017. The lender said they refuse to open it for review because the file is incomplete and its within 37 days of the scheduled foreclosure sale date. However according to recent changes in in foreclosure & bankruptcy servicing a servicer is required to perform an expedited review if the application is submitted within 37 to 15 days of a foreclosure sale.
|
| 10/13/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
A client of ours who is facing a sheriff sale had his loan transferred during modification review. After multiple instances of mishandling of documents the new servicer Rushmore Loan Management has sent a written notice to client saying a modification was denied without a numerical values to back up this decision. The letter also states that the loan owner can no longer be reviewed for a modification again.
|
| 04/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Rushmore Loan Management is ruining my credit : They are saying I missed Payments for XXXX and XXXX of 2022 when I did send checks and they did acknowledge ( I have check numbers and everything ). They are also saying I'm 30 days late for XXXX when it's only XX/XX/XXXX and I did make a payment.
Rushmore Loan Management is the worst company to handle mortgages. I believe they are doing this intentionally.
|
| 04/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Bank refuses to work with me to try and save my Home. I believe it is because they are not the true owner of the Note. I also believe that they are using my home as a cash register by eating up all the equity with fees. I was recently force to file a XXXX XXXX XXXX to stop them from taking my home.
I wrote them a XXXX letter on XXXXXXXX XXXX,2022 They have failed to respond to that letter please help me
|
| 02/02/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
The mortgage servicer Rushmore Loan Management Services did not provide me with the Notice of Transfer Letter in accordance with 12 CFR 1024.33. The transfer was done on XXXX XXXX, 2015. Regulation X prescribes the requirements for Notice of Transfer under 1024.33 ( 12 CFR 1024.33 ). I, the borrower should have receive the notice from the servicer at least 15 days before the date of transfer of servicing.
|
| 01/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I am having trouble with Rushmore Loan Management.Received syatement that loan payoff was $ XXXX.Now they say I owe about {$12000.00} more in fees and deferred interest.Have asked for explaination but never receive it.With no explaination payment just went up {$140.00} a month.They say due to escrow shortage. Can not get written explaination.This has been six month process.XXXX XXXX. ( XXXX ) XXXX XXXX
|
| 03/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
This should be added to complaint number XXXX already filed on XX/XX/23.
We have sent them three monthly payments, XXXX, XXXX and XXXX in the amounts of {$1300.00} ( Original payment {$1000.00} plus {$310.00} for escrow ) and they DO NOT apply anything towards the actual house payment of {$1000.00} which now has us in default. The argument is with the additional escrow they want NOT the house payment.
|
| 10/06/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
This is the continuation of COMPLAINT ID XXXX-XXXX which was not resolved. The company just sent me a letter dated XX/XX/XXXX in which they state they've canceled my monthly automatic drafts. I need their clarification in writing that they're only canceling the auto-draft of additional principal payment in the amount of {$520.00} and not canceling the regular interest+principal auto-draft of {$560.00}.
|
| 07/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Made several extra payments over the phone. Specifically told the agents that the overpayments were to be applied to principal.
I have called repeated and tried unsuccessfully to get the extra paYments that are held as unapplied funds applied to principal. My account is in good standing and each time I call the agents on the phone can not explain why my money has been held XXXX for the past 8 months
|
| 05/01/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I submitted a request for a modification review with my lender, Rushmore Loan management on XXXX/XXXX/2015. My authorized 3rd party and I spoke to them mulitiple times after this and they stated that they received the documents for the modification review, but they are denying it because they want to proceed with the foreclosure sale of the home on XXXX/XXXX/2015. Please help, I want to save my home!
|
| 02/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I was approved by XXXX XXXX XXXX 18 months of Mortgage payment.
The mortgage company havent received a mortgage payment since XX/XX/ I called XXXX XXXXXXXX XXXX explaining this incident. They opened a ticket for investigation one month ago, until now they havent called me back neither I had not have a solution from Them.
Mortgage company : Rushmore Loan Management Services XXXX XXXX XXXX XXXX XXXX
|
| 05/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have been in contact with Rushmore Loan Services for the last 2 years. I have been working with them for the last 2 months to transition out of a loan forbearance. My loan is owned by XXXX XXXX. Rushmore offered me a loan modification that extended my loan by 17 years. I denied that offer. I requested a deferral which is an option with XXXX XXXX Rushmore denied my deferral request. Please help!
|
| 03/27/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Rushmore flagged my account and has not allowed me to make payments. Rushmore states missing documents from loan modification even though I have all documents. They were faxed on XX/XX/XXXX. Seen XXXX XXXX in XXXX XXXX XXXX on XX/XX/XXXX. Judge ordered Rushmore to unflag my account and allow me to receive a modification.
Account is still flagged. Now Rushmore is in defiance of a Judge 's order.
|
| 01/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
The inspection of the loan ( XXXX ) was XX/XX/XXXX with the balance of {$79000.00}. Despite making monthly payments, the current balance as of XX/XX/XXXX is more than {$100000.00}. They are known for these fraudulent activities.
Rushmore Loan Management XXXX XXXX XXXX XXXX, XXXX, CA XXXX Rushmore illegally overwrite the state and federal laws in loan docs and take advantage of clients trusts.
|
| 12/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Rushmore Loan Management has certified figures as correct & true to the NJ courts, while helping secure a Final Judgment. However it is clear they used CREATIVE Accounting and used made up figures and wrong dates. This Foreclosure complaint is wrong from the start to the present & new recent evidence leads us to strongly believe that fraud has also been committed to secure a Final Judgment.
|
| 12/12/2016 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
Rushmore Financial has continued to contact me on my cell and my employer releasing personal information. Not verifying employment. They have threatened to garnish wages as well as serve me documents to my job. I 've already contacted the company and just hung up on or told this is legal. I know it 's not and they have shared information with my HR department. I 'm not sure what else to do.
|
| 11/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My previous loan servicer, XXXX, had a connection to XXXX so I could manage the mortgage with my personal finance software. It was purchased by rushmore LM and they refuse to " connect a mortgage with a third party '' I had no say in the transference of my loan. It's unacceptable to me that the same level of transparency can not be maintained when I didn't initiate or want this transfer.
|
| 07/19/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
this is my second complaint about Rushmore Loan Management. I am in mediation to prevent forcluser, after the 1st mediation they offered a down payment of XXXX and the a MONTHLY PAYMENT OF XXXX what they didn't disclose on the phone was it was due in 15 days.
I made the down payment on XX/XX/XXXX, XXXX. according to there terms I need to pay the other XXXX on XXXX XXXX that's 15 days
|
| 01/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I am a bankruptcy attorney and represent clients who are trying to modify a mortgage through the court 's loss mitigation program. The clients have produced and given all the needed documents to the lender/servicer, yet the lender/servicer declared the file " incomplete '' and denied the application.
Now, the clients have to go re-start the process and go through the process again.
|
| 01/31/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Please know that due to covid pandemic we fell behind on our mortgage loan. The company requested personal and financial information for over a year and we always complied.
we were then told that we had to make XXXX trial payments before our loan would be modified.
we made all payments on time and then XXXX days later we got a notice from the lender that our loan is in default.
|
| 10/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
XX/XX/23 This issue is with Rushmore Home Loans.
I have been trying to contact them since XX/XX/XXXX I am in need of year end tax info which is not on their website. Additionally they have been " closed '' for the last week that I have attempted to call on the only two phone numbers I can find. Their email nor their chat box works. What options do I have to obtain my info?
|
| 06/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I would like to get a loan modification on my existing mortgage and no one is trying to help me with that. I am not satisfied with my new mortgage service. My loan was sold to them this past year from XXXX XXXX. I can never get anyone on the phone or any response to my emails. I am very concerned. I just want to talk to someone about a loan modification. Please.
Thank you.
|
| 09/03/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
In XXXX of 2019 I refinanced my home with LoanDepot. They transferred my load to Rushmore Load Management Services Inc. After doing so LoanDepot withdrew the XXXX Payment from my bank. XXXX said they sent this payment to Rushmore. Now Rushmore says they have no record of payment. I am being charged a late payment every month that I do not owe as well as the missing payment.
|
| 10/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
additional docs - Rushmore states that my account was still under foreclosure - affirmation docs were sent in and modification was completed around the same time. Previous servicer had the docs and therefore continued to send the statements.
XXXX XXXX has not send statements and updated my credit score to reflect my loan was written off due to bankruptcy - thats not true.
|
| 12/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I requested a Mortgage Forbearance under the CARE Act with our Servicer Rushmore on XX/XX/2020 over phone and was verbally denied by Rushmore Rep because he stated of our being in foreclosure ( I believe he wrongly denied us ).
We are also now once again requesting a 180 day forbearance under CARE Act in writing to Rushmore dated XX/XX/2020 and are waiting for a reply.
|
| 08/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I am trying to sell my property. There was a lis pendens placed on the title in the name of XXXX XXXX XXXX. When i called XXXX they provided me with a copy of their lien release and stated that when rushmore bought the mortgage from them that they never notifiied XXXX that the loan was paid since it was bought by rushmore.,. This is part of the email i got from XXXX.
|
| 05/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Company continues to report a debt that was discharged in bankruptcy in XXXX to credit reporting agencies up to XXXX of XXXX negatively affecting credit score.
Rushmore Loan Management currently is reporting the debt and held the debt at the time of the bankruptcy filing, XXXX XXXX XXXX held the debt prior to Rushmore and also is continuing to report the same debt.
|
| 06/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Requested PMI removal form from Mortgage company on XX/XX/XXXX. They said they would send me the form to drop PMI, it has been 3 weeks, multiple contacts and I still have not received the form in the mail.
They refuse to EMAIL me this blank template while constantly telling me they " Mailed it '' yet can not show proof. It is not in my mailbox still after 3 weeks.
|
| 04/04/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
In XX/XX/2020 i contacted rushmore financial several times an talked to personnel about obtaining my mortgage payoff and escrow payoff and was told multiple times that they would not give it to me because they had issued it in the mail already and were not required to do so after i told them what the purpose i needed for was to refinance my home they still refused.
|
| 06/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
made payments to Rushmore and they statd payments sere never receivec. chase shows online payments sere made. XXXXXXXX XXXX foreclosure on this house without any legal notice. I never knew that XXXXXXXX XXXX had any legal interest on this loan. My mortgage was sold over five times.Since the house is foreclosed and sold. This effects our credit score and reports
|
| 05/31/2015 |
Yes |
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
Sent notice to cease and dismiss collecting Written Off debt that is over the Statute of Limitations to sue, along with all communications with us or any member of our family. This was to include but not limited to telephone calls, letters and personal interviews. They also responded by letter using fraudulent documents along with misrepresentation and deceit.
|
| 06/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I sent a check and requested that the amount be applied to principal. Checks are allowed so long as they are made payable to the correct entity, which was the case here, " Rushmore Loan Management Services ''.
Rushmore is refusing to process my payment to principal as requested, alleging that a check toward principal is not allowed, which I know to be false.
|
| 11/06/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I was offered a modification and was going through XXXX Georgia at the same time and I needed XXXX Georgia to make decision and the mortgage company put me in foreclosure. They put me in foreclosure and sent me a modification package to complete and return to them for review at the same time. I am frustrated with this type of process ... Is this the protocal?
|
| 06/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Rushmore Loan Management closed and services my refinance through XXXX XXXX XXXX. They were XXXX days delinquent in filing the previous loan closure and by XXXX state law required to pay me penalties. They did not pay full penalties and further delayed not only the filing of title and loan closure, but also caused delays in my HELOC application as a result.
|
| 01/18/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
refer to complaint XXXX : Rushmore 's response that a payment plan agreement was mailed to me in XXXX is a lie ; also, Rushmore 's contention that I received a call in XXXX regarding the " rest upon agreed money '' is also a lie. They record phone calls ; I want a copy of the recording. I also want to see evidence of the " signed '' payment plan agreement!
|
| 03/31/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Hi this is XXXX XXXX XXXX .I have requested for my mortgage servicing company RUSHMORE ( Loan # XXXX ) for a deferment of mortgage payment for three month due to being layed off as a result of Corona Virus.I have tried several times to call them to no avial.
their address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PH # XXXX Thank you for your help
|
| 04/19/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Original mortgage lender sold debt to new lender. Both failed to notify me of the new information. I had set up automatic payment with the old lender, hence my account was never late. The new lender then proceeded to report the account late to the Credit Bureaus. That is how I found out about the location to send payments. I immediately paid the accounts.
|
| 12/13/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Rushmore Loan Services bought my mortgage about a year ago. Recently I have recieved XXXX notices from XXXX that my taxes have not been paid. I contacted Rushmore and they said to fax the notice. I did and then a month later I recieved another notice from XXXX saying that my taxes are delinquent. I contacted Rushmore again but they were unable to help me.
|
| 12/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
RUSHMORE LOAN MANAGEMENT SERVICES HAS BEEN IN VIOLATIONS OF MY CONSUMER RIGHTS SINCE I SENT THEM A LETTER BY CERTIFIED MAIL # XXXX ON XX/XX/2021. AND ALSO INCLUDED WITH THIS LETTER WERE COPYS OF DATA FURNISHERS RESPONSIBILITIES TO CONSUMERS, A JUDGE ORDER, AND A COPY OF MY XXXX REPORT # XXXX WHICH SHOWS RUSHMORE VIOLATION OF SHOWING FRAUD, AND A MIX FILE
|
| 10/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XXXX of XXXX my mortgage servicer XXXX XXXX XXXX, gave me a mortgage forgiveness of {$93000.00}. When the mortgage was transferred to XXXX XXXX XXXX, the {$93000.00} was added to my mortgage balance.
I request that the monies be credited back to my mortgage loan balance.
Currently my loan is being serviced by Rushmore Loan Management Services LLC.
|
| 04/06/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Rushmore Loans overpaid my property taxes on XX/XX/XXXX, received the refund from the counties ' tax office on XX/XX/XXXX, cashed the check on XX/XX/XXXX and has not refunded my escrow account. Better yet, they deny even receiving the refund check which they cashed. My load is up for escrow analysis and they are fraudulently raising my monthly payment.
|
| 03/10/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I took out a mortgage loan. The mortgage company advertised a low payment and interest rate. However, the monthly payments and interest rate were not low as promise. The bank has started XXXX foreclosure procedures without success. Two different bank have sue me. I tried to do loan modifications several times but were denied without clear explanation.
|
| 05/10/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
On XXXX 2015 I signed a deed in lieu, the bank ( Rush Loan Management ) took possession of the property to satisfy loan XXXX. After many inquires to the mortgage bank they refused to provide a document stating the status of the mortgage loan and they keep reporting the account as " on past due '' affecting my credit and my possibilities to get credit.
|
| 06/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
XXXX XXXX transferred my mortgage loan to a new servicer, Rushmore, on XX/XX/2020.
I have completed a Borrower 's Assistance Application at Rushmore and was told on XX/XX/2020 by XXXX by telephone that she transferred my application to underwriting.
Subsequently, Rushmore has not sent written notice to confirm my modification application status.
|
| 12/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This is XXXX XXXX, who is submitting this CFPB complaint myself. RUSHMORE LMS is reporting late, yet it is closed and the balance is zero as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
( RUSHMORE LMS XXXX )
|
| 11/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
My services is Rushmore Loan Management, I applied for forbearance or assistance as it was the second time Ive had XXXX. They approve it, but then have me fill out applications that are very lengthy and theyve also increased my payments significantly. Why is my payment increasing if the balance is added to the end, it doesnt make sense to me at all.
|
| 05/19/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
They have since day one abused Me as a consumer, they have taken more out in escrow and refused to correct it even after I showed proof. The recently they reported me late and stated in XX/XX/2014 they were starting foreclosure even though I was in a bankruptcy. This is inaccurate information and I have asked to have it changed and they have refused
|
| 07/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have a loan with XXXX XXXX XXXX XXXX, XXXX/FXXXX, and RUSHMORE LMS. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, and RUSHMORE LMS with no successful resolution. There was definitely an error on their part.
|
| 09/11/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Rushmore has assumed the loan. We were not aware of who had our loan. Our loan has been passed around. Our loan has gone from XXXX to XXXX and now Rushmore. We have received no statements from Rushmore or information. I had to contact them on XX/XX/2019 for info and sent in a "
Will '' and " Death Certificate. This is whole situation is absurd.
|
| 09/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
Fell behind on mortgage due to covid. Applied for assistance like forbearance twice. Denied. Paid for new appraisal to drop PMI Denied. Paid off home and was charged thousands in foreclosure fees but letter received stated I could get assistance before they proceed with foreclosure. Took weeks after check was received by them to process payoff.
|
| 07/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
XX/XX/XXXX applied with mortgage company prior to transfer of servicer on XXXXfor a loan modification, i was given a forbearance with XXXX then loan transferred tp. they stop payments on XX/XX/XXXX last payment was XX/XX/XXXX. i am in foreclosure no sale date. I would like to keep my home since XXXX.nthis loan has been transferred five times.
|
| 10/21/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I am behind on my FHA mortgage for 9 months now. I would like XXXX to do a partial claim with the FHA. XXXX states that I must apply for this just as a loan modification. I am 9 months past due, and I am scared they will not get to it in time. I sent a workout package and I desperately need help. I do not want to lose my home. Please help me.
|
| 01/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
The homeowner has filed for a loan modification over the past 3 years. She has been denied loan modification based on the fact that she earns too much money. The homeowner 's mortgage is going to increase 35 % in the next 60 days which will force her into default. The bank 's denial to modify this loan is both arbitrary and capricious.
|
| 07/09/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage is being serviced thru Rushmore mortgage. Looking at my escrow they are adding a additional 3+ months worth of taxes insurance and PMI which is causing me to pay higher monthly payment. I was told by law they can only hold 2 months worth currently they added a additional XXXX to my escrow but should only be XXXX.
Thank you
|
| 04/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
The lender 's conducted a corporate assignment. Reduced my payment from XXXX to XXXX then initiated foreclosure against me for the shortage it created. My payment was unapplied and my home is scheduled for sale on XX/XX/2023.
Why did my mortgage payment change? May I receive a copy of the new modification agreement and pay schedule?
|
| 09/26/2019 |
Yes |
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I mailed a Payment to my mortgage company ( Rushmore Loan Management Services LLc ) on XX/XX/2019 and the check was received on on XX/XX/2019, they added a 30 day late payment on my XXXX and XXXX report, my XXXX report is not showing late for the month of XX/XX/2019.
I talked to the managers several times the refuse to correct it.
|
| 03/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
My loan was transferred to Rushmore loan management service XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX.
I sent 2 wire transfers prior to the last day of the Payoff estimate date.
They held my XXXX and did not apply the money to the loan and refused to send me the release of lien/reconveyance deed or notice of reconveyance.
|
| 12/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In XX/XX/XXXX Rushmore informed a delinquent account to my credit report. I payed in XXXX the late payments and in XX/XX/XXXX I did the loan payoff. I don't understand why my account was reported delinquent since Rushmore was the one extending my payment date. Please advice as soon as possible since this is hurting my credit score.
|
| 03/23/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I received a letter in the mail from Rushmore Loan Management LLC claiming that I was delinquent on my XXXX trust loan. They demanded that I pay all past due amounts -- there are none -- and sign up for their automatic withdrawal. ( I send the payment via XXXX every month on the due date, and it is received by Rushmore that day. )
|
| 12/08/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My loan has been in forbearance period for 5 months. To request for an extension, I submitted a Borrower Assistance Application and reference documents to mortgage company through email on XX/XX/2020.
I received a 'Notice of Default and Intent to Accelerate ' letter requesting to payoff the delinquent amount from XXXX to XXXX.
|
| 06/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Im requesting debt validation I sent a debt validation request certified Mail on XX/XX/XXXX I previously owned this property through XX/XX/XXXX, I previously called in XX/XX/XXXX requesting all paperwork associated with the foreclosure & I was told they dont have access I would need to contact the county the sale took place in.
|
| 07/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I'm making payments every month and there sending me payment balance that I'm behind when I'm not it's been hard with this covid 19 to make payments but I have been doing it and its getting frustrating and also the balance of the loan doesn't even move like the last 3 months it says XXXX and also sending me delinquent letters
|
| 02/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Rushmore Loan Management continues to Service Loan with incorrect figures, balances, fees, etc. that are a breach of contract while US Bank XXXX XXXX for XXXX XXXX XXXX 2016 has been able to use their false certified system to get a Foreclosure Judgement.
This QWR request sent to Rushmore that must be answered immediately.
|
| 03/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I was laid off in XXXX due to covid 19 and i am on unemployment, my wife is working but doesn't make enough to pay the mortgage payment. both my unemployment and her pay is not enough to pay my mortgage. we requested forbearance but mortgage company rejected and asked to make 3 months payment or they will foreclose our home.
|
| 11/30/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
XXXX failed to disclose that after their original denial and ask for additional funds of XXXX, that a new HUD settlement statement was sent offering exactly what they asked. They then took a month to get back and still denied with no additional reason. So to state that they tirelessly worked is an exaggeration and false.
|
| 10/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Rushmore Loan Management Services keeps provided incorrect information : For the in-process modifications that XXXX XXXX XXXX XXXX XXXX recognize, the company gave incorrect information to certain consumers about their unpaid balances, payment due dates, interest rates, monthly payment amounts, and delinquency statuses
|
| 07/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have disputed this several times over the past 2 years and it has not been resolved. It is constantly working against my credit score. I am a business owner and my credit is very important to me. I pay all my bills on time. I have also contacted the creditor and have been told that it will be corrected and it has not.
|
| 10/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
As per our mortgage company XXXX request, I will send over the XXXX completed bank statements with no wipeout proving we had been made payment the only XXXX missing payment was on our mortgage transferred on XX/XX/2022. We are still making monthly payments to our lender.
Our Note was transferred twice in 60 months.
|
| 12/25/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
well first I have been doing ok until this year my property taxes have went through threw the roof! and then i find out I am paying a {$30.00} dollar insurance pol on my escrow which i wasn't suppose to have it was just added! and my rate adjusted but now this has push my payment from XXXX to almost XXXX! a month!
|
| 11/06/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have been trying to make my payment since XXXX. Rushmore will not allow me to pay. Servicing transferred and they were unprepared. Poor treatment by staff as well. IVR in convoluted and will not allow you to speak to an agent without listening to LOTS of messages. Confusing why no option to speak to an agent.
|
| 04/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
The terms of my mortgage was changed by XXXX XXXX and then my loan was sold to Rushmore Loan Servicing ( XXXX ). They changed my loan from a 30 yr mortgage to a 35 yr loan. The interest rate is 9.63 %. I am being ripped off and taken advantage by both companies.
XXXX XXXX XXXX ( XXXX ) XXXX email : XXXX XXXX
|
| 08/19/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I'm attempting to get on the loan of my mother that passed. And the bank is not allowing that. I have sent in all requested docs. At one point they were accepting my payments then stopped saying only the person whos name is on the loan can send in a payment. I have sent in the requested docs more than 10 times
|
| 07/19/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX, XXXX, and XXXX all Violated the law by Dual tracking my loan while I was trying to work on a loan modification. They foreclosed while I was disputing the misapplied payments lost payments and money put in suspense. XXXX XXXX XXXX XXXX XXXX XXXX with EVERY SERvicer in violation of the LAW
|
| 07/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I sent a request for information to Rushmore Loan Management Services on XXXX XXXX to provide my loan information within 14 days. They did not provide my requested information for more than 30 days since my request. My loan account number is XXXX with the address XXXX XXXX XXXX , XXXXXXXX XXXX XXXX .
|
| 12/18/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
Rushmore Mortgage bought my second mortage from XXXX. The debt with XXXX was included as part of my chapter XXXX bankruptcy. Rushmore continues to report this as a deliquent debt to the credit reporting agencies. I have filed disputes with the agencies but the debts have not beenr emoved from my report.
|
| 04/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Rushmore Loan MGMT SER reported on my Credit report ( see XXXX report attached ) and it does not belong to me. I requested a thorough fraud investigation by XXXX and they changed the status of payment as " Paid '' but I want it removed from my report. Also, " Your Statement '' section is incorrect.
|
| 04/17/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
The mortgage servicer has not paid my county property taxes. I pay my escrow account for the servicer to pay my taxes. I have been in contact with the servicer since my first delinquent tax notice in XX/XX/2018 and I still have a delinquent bill despite being told the taxes have been paid..
|
| 06/03/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Settlement process and costs
|
|
Web |
|
|
authenticity of documents, proof of chain of assignment, Rushmore Loan Management Services LLC SAID THEY OWN OUR LOAN NOW THEY SEND US SAME OLD DOC AND MAKING NEW ONES CFPD DO YOUR JOB XXXX XXXX C RESPA ( XXXX XXXX XXXX OLD XXXX Case number XXXX CFPB review Response disputed XXXX/XXXX/XXXX
|
| 09/14/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Rushmore took over my servicing I have tried to contact them requesting loan modification packets and get letters making offers for short sale or them giving me money to move out but NO INFORMATION ON A LOAN MODIFICATION. I believe they are stalling until the sale is complete next week.
|
| 11/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
On XX/XX/2022 Rushmore Loan servicing told me that my home was not up for sheriff sale despite phone calls I was getting from 3rd parties. This was not accurate and I was told this on a recorded line.
They are of no assistance at this point and I am forced into a corner with my home.
|
| 12/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Rushmore LMS is my mortgage company. They are showing that I am 30days late on my report and i sent the payment in on time. However due to the pandemic covid-19, the mail system is not working properly. I have the proof of my check being sent to the company. The account number is XXXX.
|
| 05/31/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Rushmore Loan Management services is charging me outrageous fees because I pay my mortgage on the last day of the month close to {$200.00} in fees. These fees should be illegal and they acquired my loan which I did not want. This company should be shut down due to fraudulent practices.
|
| 11/07/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/18 Rushmore loan management raised my principal and interest $ XXXX/mo. Even though Im on a % 4 fixed?!?! Called them for 4 Mondays after that with no explanation. Ive provided them with my loan docs which show a loan of XXXX at % 4 which equals a $ XXXX/mo P & I payment!
|
| 04/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have been having a problem with Rushmore Loan Management Services. I have been requesting that the PMI be removed since 2019 with no success. The latest letter even included the comparable to show that the property is now below 80 % value. I need your assistance on this matter.
|
| 08/07/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Modification approved XX/XX/XXXX first payment XX/XX/XXXX made 5 payments still showing behind on credit report which is illegal and unapplied payemnts on mortgage WHY? PAYMENTS HAVE BEEN MADE! Final modification paperwork was finished no need to sign anything else if your ERROR!
|
| 07/17/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Despite numerous attempts to provid the proof of all insurance which is through XXXX the company is claiming that we have not provided he information. They are trying to make us pay for insurance coverage that they provide even though there has not been any gaps in our coverage.
|
| 09/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
Mortgage loan servicer did not properly credit the payment that I made on XX/XX/2022 in the amount of {$1300.00}. This payment should have been credited to : XX/XX/2022 at {$670.00} & XX/XX/2022 at {$670.00} XX/XX/2022 I made a payment via XXXX XXXX for : XX/XX/2022 at XXXX USD
|
| 02/27/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
RUSHMORE LOAN MANAGEMENT SERVICES, is attempting to foreclose on my home XXXX XXXX 2017 with an assignment that been robo signed. I asked for proof of claim and debt validation none of my request have been responding to. I also mailed a QWR, and it has been responded to either.
|
| 07/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American, Servicemember |
|
On XX/XX/ I fully paid off my Rushmore Loan Management Services loan number XXXX a total payment of {$500000.00} plus, which was recorded as fully paid on or about XX/XX/ and as per the issuance of the Satisfaction of Mortgage document issued by Rushmore on or about XXXX XXXX
|
| 04/01/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Request was made on XX/XX/20 seeking loan forbearance to delay mortgage payments during the COVID-19 pandemic. I've been furloughed with reduced income. My monthly payment is {$2100.00}. Many lenders are allowing forbearance, whereas Rushmore Loan Management Services refuses.
|
| 08/07/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
they are ignoring my e-mails and letters and phone calls. I can afford my month mortgage payment; I feel behind in XX/XX/2019 due to a martial separation and family emergency; I made a payment of $XXXX in XX/XX/2019. they refuse to help me and they are sabotaging my home.
|
| 10/31/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
Older American |
|
When I received the pay off it was XXXX that same month my morgage was transred to XXXX XXXX with a deferred balance of XXXX add to my morgage. My year XXXX XXXX 1098 morgage statement was XXXX XXXX statement for XX/XX/XXXX was XXXX XXXX statement for XX/XX/XXXX was XXXX.
|
| 09/28/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
XXXX XXXX XXXX XXXX in XXXX XXXX, Ca., Rushmore Loan Management Services in XXXX , Ca., XXXX XXXX , XXXX, and XXXX XXXX, XXXX are trying to foreclose on my home in XXXX XXXX when none of the companies listed above is licensed to do business in the state of California.
|
| 09/07/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American |
|
Rushmore Mortgage did not tell me when I went into forbearance under the CARES Act that they would want thousands of dollars from me after the forbearance ends. I thought they would tack it to the end of my mortgage. Are they trying to take peoples homes from them?
|
| 07/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
|
| 05/13/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have made XXXX on time payments to my mortgage provider. XXXX time they claimed they never received the check and the other time they received it ( bank confirmed cashed ) and they claimed it had insufficient funds which it had ample funds to cover the check
|
| 06/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
On XX/XX/20 I requested documents regarding foreclosure Rushmore is listed on my consumer reports, I need this info they replied to my affidavit with a regular letter stating XXXX XXXX XXXX XXXX was the trustee misleading as they aren't on my consumer report
|
| 12/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Rushmore loan management and XXXX will not send me my original deed to luie documents. They are lying and playing games and I keep asking for them and I get nothing! XXXX has marked upy credit and they are in the wrong and trying to get money from me XXXX.
|
| 07/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
Rushmore Loan Management Services LLC on behalf of XXXX XXXX ( Recent ) has not reported my Mortgage to the credit companies in 6-7 years since I was sold to them from XXXX. Making it look like I do not own property and am not getting the credit I deserve.
|
| 09/10/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Rushmore is reporting a balance and past due with XXXX lates on an account that has the last payment date of XXXX and sent out 1099s to report to taxes. The reporting has been ruining our credit for years! Look at the credit report screenshot we included.
|
| 03/03/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
The servicer denied the assistance application which includes a XXXX XXXX XXXX Grant towards arears, keeps tacking on thousands more in bogus fees to prevent me from keeping the home. They didn't even look at the assistance package with the grant money.
|
| 08/05/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
|
|
Referencing the attachment on pages 5,6,7, & 8 under a microscope, Rushmore ( unidentified representatives ) states in fact that XXXX XXXX XXXX XXXX executed and authorized Rushmore as Power of Attorney as its Servicer & Attorney-in-fact on XX/XX/2016.
|
| 07/27/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I have been trying to get a copy of my modification agreement that spells out the terms of my modification and future interest rates since XXXX XXXX, 2016. I have made several attempts to Rushmore Mortgage by fax and email and still have n't received.
|
| 03/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Never pay late, and they show a late payment on 30 days in XXXX in XX/XX/2022, in XXXX in XX/XX/2022, in XXXX in XX/XX/2022. I have the evidence I send it. And the sell and closed the account is a violation to report late payment in a closed account.
|
| 12/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
After submitting a complaint when the company incorrectly drafted my payment on the incorrect date, the company has now retaliated by locking me out of my online account. I have no access to my payment history, my statements, or my escrow account.
|
| 02/19/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
My escrow payment is {$100.00} and my principal and interest payment is {$110.00} which is equal to {$210.00} this is my payment should be. The rushmore company is charging me {$270.00} which is {$55.00} more. Please have them correct the payment.
|
| 05/05/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American, Servicemember |
|
See Attached document.
Payment was tendered, not returned, not credited to account and breach of private contract. Private trust property is being foreclosed on, I am the beneficiary of a decedent estate and there is an on going probate case.
|
| 03/13/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
In 2007, I took out a mortgage loan with XXXX XXXX XXXX for {$400000.00}. I defaulted on my payments and have been trying to work with the bank to find some sort resolution. I've submitted a mod a couple of times each time they've denied me.
|
| 07/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
My XXXX XXXX bankruptcy was XXXX in 2014. Rushmore Loan Services never reported my payments to the credits bureaus and now y mortgage is with XXXX XXXX and they are not reporting my payments. My mortgage was not included in the bankruptcy.
|
| 03/30/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
This is my final entry for the portal with my servicer and note holder. I will uploading a correction for the servicer regarding XXXX XXXX on the mortgage which indicated by the server to notify of intent to fore-closer letter she received.
|
| 03/21/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have received some strange letters in the mail over the course of the past month and I am puzzled because I have been trying to modify my loan and it has been unsuccessful. I am now facing foreclosure in the middle of a loan modification.
|
| 04/17/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have requested from Rushmore Loan Management Services since XX/XX/XXXX to provide the county with information that my mortgage has been transferred to them. Have been trying to have this account paid off and transferred to local bank.
|
| 07/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
A Qualified Written Request was sent to the loan management company, pursuant to the Real Estate Settlement and Procedures Act, Section 2605 ( e ), via USPS certified mail, on XX/XX/2022. This request has not been responded to so far.
|
| 07/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I'm ending a covid forbearance program and want to resume payments. This company has locked me out of my web account and will not answer their phones. I've tried over 20 times to call 5 different phone numbers and can not get help.
|
| 05/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Rushmore Loan Management Services reported my forbearance agreement to the credit reporting services. I believe the Cares Act prohibits this reporting?
I was current in good standing before our agreement entered into on XX/XX/20.
|
| 06/06/2016 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
I was called at work, and asked a representative of the company to remove my number because I can not be contacted at work and she just kept speaking over me and asking about payments, and refused to agree to remove the number.
|
| 09/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
They reported 3 loans on my personal credit reports. I wrote them a letter and call there office XXXX. Received the acknowledgment but they are not fixing my credit report. And my refinance was decline due to this error.
|
| 10/09/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I submitted a request for a loan modification on XX/XX/2018. I was notified items were missing and I supplied those items on XX/XX/2018. Today is XX/XX/2018 and I still do not have response to my request for assistance.
|
| 08/12/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
RushmoreLM send a late payment to credit reporting agents but I no longer do business with them and owe no payment. After reporting to the credit reports agency they still saying that I owe them money with is incorrect
|
| 05/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
my HOME loan was with RUSHMORE they trasfer my loan to Another bank specialied loan service they ask me extra charge me more sending wrong report to credit beauru why not ask me i pai on time my all monthly payment
|
| 06/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I sold a home on XX/XX/2022.
Rushmore Loan Management Services has yet to return the escrow refund.
I called in XXXX and was advised it takes 20 days t process an escrow refund check.
It has now been 61 days.
|
| 12/21/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My account was transferred from one loan servicer to another. The original servicer did not apply the final payment and I'm being harassed when in fact I am a month ahead on my payments. Please see attachments.
|
| 09/18/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
This letter is a formal request to remove the following account including the business name address, and telephone number of any furnisher of information contained in connection with debt reinvestigation.
|
| 06/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Rushmore Loan Management Services is the servicer on two of my mortgages, XXXX established XX/XX/XXXX and XXXX established XX/XX/XXXX. Neither escrow accounts accrued interest required by Maine state law.
|
| 10/27/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
I have been trying to get modification for months and I have submitted the same documents over and over again. I have just learned that my house is scheduled to be foreclosed on XXXX XXXX, 2015.
|
| 03/28/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Rushmore Loan is reporting on my credit as a foreclosure and updating recently. I have never had a loan with this company nor do I know who they are. This is not mine and it needs to be deleted
|
| 03/08/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
The principal owed on my mortgage is far less than 80 % of the value of my home. I was told by Rushmore mortgage that my PMI can not be removed for at least another 5 years.
Is this correct?
|
| 05/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX and all known subsidiaries repeatedly opened up fictitious loans against my property with identity theft and loan fraud, using government employees and fraudulent documents.
|
| 11/20/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I fell behind on my payments and the company said they would help me save my home but they are trying to foreclosed on my home. I have been faxing documentation over and over again.
|
| 10/02/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
XXXX sold my loan to XXXX who sold to Rushmore. BK was filed w/ XXXX so should never have sold. XXXX is reporting it as a foreclosure and not bankruptcy status ( see attachments ).
|
| 06/18/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
new rules permit clients in bankruptcy to receive statements since XX/XX/2018 despite several requests both via telephone and in writing i still have not received statements
|
| 06/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Rushmore Loan MGMT Ser and XXXX XXXX XXXX. My credit report is showing Rushmore Loan MGMT Ser and XXXX XXXX XXXX XXXX both open XX/XX/. That information is incorrect.
|
| 11/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Rushmore Loan Management Services assumed our home loan, and charged an Advance Adjust fee or {$76.00} without cause. No reason, just added $ to our principal balance.
|
| 04/21/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
The amount of payments that have been credited to my account are inaccurate I have repeatedly requested documented details regarding the loan and have received nothing
|
| 08/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This account showed up on my credit reports and I am unaware of this what this is. To my knowledge, I was not notified of this debt ahead of the negative reporting.
|
| 02/12/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
This should be linked to case # XXXX As this remains an unresolved issue between myself, Rushmore Loan Management, and XXXX XXXX XXXX please see attached response
|
| 12/14/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
This lender bought my VA loan and has my name spelled incorrectly on escrow papers. I have made several attempts for them to correct it and they refuse to do so.
|
| 10/18/2021 |
Yes |
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
I been out of Bankruptcy for a year. My mortgage payments with Rushmore are not getting reporting to the credit bureaus for a year now, how and can this be fix.
|
| 11/05/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
Rushmore, after two requests, has not proved the loan in the referenced letter is the responsibility of the mortgagor or an encumbrance of the listed property.
|
| 01/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I reached out to the mortgage company about my situations and asked them to modify or put it behind the principal to start my monthly payment. Response is no
|
| 07/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
The lender conducted a defective corporate transfer and refuse to correct its failings but instead have initiated foreclosure proceedings against me.
|
| 05/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Rushmore loan servicing is refusing to work with us during the pandemic. Rufuse forbearance for our hardship. Sent us into foreclosure. Now what?
|
| 07/05/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Please Reopen : CFPB Complaint # XXXX It is assigned to Department of Education which has nothing to do with Home Mortgage.
Thanks, XXXX XXXX
|
| 10/01/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Upon refinancing my mortgage, the servicer incorrectly reported it as a short sale. It was always paid as agreed, never late, and paid in full.
|
| 02/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I tried to close my mortgage early with Rushmore and they suddenly added over {$11000.00} in " recoverable corporate advances '' to my total!
|
| 04/07/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
A VA refinance loan was taken out without my permission. Rushmore Loan Servicing Company took out this refinance without my permission.
|
| 02/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Court ordered to refinance because of a divorce. My ex wifes history of late payments makes my ability to purchase a house impossible.
|
| 09/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
There is an account listed on my credit file that still says I owe, this is inaccurate, untrue, and needs to be removed. Please help
|
| 04/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Company has not offered : ( HAF ) Homeowners Relief Fund/ California Mortgage Relief Program Our mortgage was affected by Covid-19
|
| 03/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My loan modification is affecting my scores. The loan has been charged off and is closed. Please remove this from my reports.
|
| 09/15/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Contacting me several times in a row after being sent to voicemail each time. When I am working, I can not answer my phone.
|
| 05/09/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Repeatedly told the no call unless they have interest and authority to take a short pay, they ignor and continue to call.
|
| 04/08/2015 |
Yes |
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
Your submission, [ Case number : XXXX ] Postcards with my name were left XXXX in my Daughter 's entry to her apartment.
|
| 12/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Was impacted with the crash of XXXX, then XXXX trade center incident put him out of business. Now this year COVID.
|
| 12/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I am being charged fees just to pay my mortgage, issue has not been resolved.
Previous complaint XXXX XXXX
|
| 01/24/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American |
|
Sold my home and never notified me. The buyer never contacted me. Now he is trying to sell my home again
|
| 08/17/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
When they look up my income they are not using the right amount and i have been trying to tell them that
|
| 05/31/2015 |
Yes |
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
Please refer to original complaint # XXXX. I am attaching more documentation for your records
|
| 12/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Had a family separation which caused the income to decrease and fall behind.
|
| 06/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Rushmore is Dual tracking review documentation submitted with complaint
|
| 04/01/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
They are lieing about my house payment!!! Ive called them over an over!
|
| 09/18/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
Rushmore Loan Management Servicessee attached documents
|
| 11/24/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
Previous Complaint XXXX was not resolved by creditor.
|
| 03/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Tried to restuckshr my mortgage for over three years
|
| 06/14/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
mortgage company not paying escrow on home taxes
|
| 11/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
|
| 10/26/2023 |
Yes |
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
|
| 10/23/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 10/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Phone |
|
|
|
| 09/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
|
| 09/23/2023 |
Yes |
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
|
| 09/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
|
| 09/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Paying off the loan
|
|
Web |
|
|
|
| 09/06/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
|
| 08/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Phone |
Older American |
|
|
| 08/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/23/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 08/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Paying off the loan
|
|
Referral |
|
|
|
| 08/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Referral |
|
|
|
| 08/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Older American |
|
|
| 08/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Servicemember |
|
|
| 08/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 08/05/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
|
| 07/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 07/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Older American |
|
|
| 07/19/2023 |
Yes |
- Mortgage
- Reverse mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 07/19/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 07/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 07/17/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 07/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 06/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/23/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 06/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
|
| 06/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 06/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 06/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 06/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 05/31/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 05/25/2023 |
Yes |
|
|
|
Web |
|
|
|
| 05/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
|
| 05/23/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 05/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/17/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Incorrect information on your report
- Account status incorrect
|
|
Web Referral |
|
|
|
| 05/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 05/12/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 05/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 05/10/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Postal mail |
|
|
|
| 05/04/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 05/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 04/30/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 04/27/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
|
| 04/25/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 04/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
|
| 04/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 04/13/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Phone |
Older American, Servicemember |
|
|
| 04/12/2023 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 04/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/11/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 04/10/2023 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 04/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
|
| 04/02/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/30/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/29/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/29/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 03/22/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 03/22/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/20/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
|
| 03/20/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 03/17/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
|
| 03/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 03/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 03/14/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/07/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 03/01/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
|
| 02/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 02/24/2023 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 02/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 02/21/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 02/17/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Postal mail |
|
|
|
| 02/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
Older American |
|
|
| 02/16/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 02/03/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 02/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 02/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 02/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/31/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
|
| 01/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/30/2023 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 01/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/24/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Older American |
|
|
| 01/20/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 01/19/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
|
| 01/17/2023 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 01/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 01/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 01/04/2023 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 01/04/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 01/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Phone |
|
|
|
| 12/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 12/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 12/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/19/2022 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 12/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 12/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/14/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 12/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 12/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Postal mail |
|
|
|
| 12/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 12/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 12/02/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
Older American, Servicemember |
|
|
| 12/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 11/29/2022 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 11/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 11/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 11/01/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 10/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 10/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 10/21/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/21/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 10/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/17/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 10/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 10/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 10/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 10/12/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/12/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 10/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/07/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 10/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 09/26/2022 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 09/23/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 09/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Postal mail |
|
|
|
| 09/19/2022 |
Yes |
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
|
| 09/19/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/19/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 09/15/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 09/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 09/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 09/09/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/08/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 09/06/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 09/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 08/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 08/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 08/25/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 08/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 08/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 08/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/16/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/13/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 08/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 08/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 08/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 08/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/02/2022 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 08/02/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 08/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 07/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 07/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 07/27/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 07/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 07/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 07/22/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
|
| 07/15/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/15/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 07/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 07/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 07/11/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 07/11/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 07/06/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 07/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 07/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/01/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 07/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 06/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 06/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 06/25/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 06/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 06/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 06/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 06/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 06/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 06/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
Older American, Servicemember |
|
|
| 06/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 06/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/03/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 06/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 05/31/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/31/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 05/31/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 05/31/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web Referral |
|
|
|
| 05/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 05/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 05/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 05/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 05/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 05/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 05/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 05/14/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 05/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Servicemember |
|
|
| 05/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 05/11/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 05/11/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 05/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Postal mail |
|
|
|
| 05/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 05/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 05/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 05/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 05/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 05/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American, Servicemember |
|
|
| 04/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
Older American |
|
|
| 04/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 04/24/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 04/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 04/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 04/20/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 04/20/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 04/20/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 04/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 04/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/11/2022 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/05/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 04/05/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 04/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 04/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 04/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 04/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/02/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 04/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Postal mail |
|
|
|
| 03/31/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 03/31/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 03/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 03/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 03/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 03/29/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 03/29/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 03/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/27/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/23/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 03/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
|
| 03/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/16/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 03/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 03/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 03/10/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 03/08/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 03/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 03/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 03/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 02/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
|
| 02/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/23/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 02/22/2022 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 02/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 02/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/16/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/15/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Referral |
|
|
|
| 02/15/2022 |
Yes |
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
Older American |
|
|
| 02/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 02/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 02/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 02/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 02/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 02/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 02/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 01/31/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 01/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 01/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 01/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 01/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 01/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 01/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/22/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 01/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/20/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 01/18/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 01/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 01/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Postal mail |
|
|
|
| 01/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 01/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 01/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/14/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Postal mail |
|
|
|
| 01/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 01/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Postal mail |
|
|
|
| 01/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 01/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 01/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 01/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 12/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 12/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 12/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 12/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 12/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 12/14/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
|
| 12/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 12/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 12/02/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/01/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 12/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 11/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 11/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
Servicemember |
|
|
| 11/15/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/12/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 11/04/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 11/01/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 11/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
|
| 10/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/28/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 10/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 10/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 10/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 10/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 10/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 10/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 10/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 10/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 10/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 10/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/11/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Older American |
|
|
| 10/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/06/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 10/04/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 10/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 09/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Phone |
|
|
|
| 09/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 09/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 09/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/27/2021 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 09/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/25/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 09/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Older American |
|
|
| 09/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 09/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 09/14/2021 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 09/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 09/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 09/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 09/03/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 09/03/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 09/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Postal mail |
|
|
|
| 09/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 09/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 08/31/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/31/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|