Consumer complaint received 2022-03-07
Company: Real Time Group, Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX Regarding : Notice of Default I am submitting this complaint against Real Time Resolution due to a Notice of Default filed against my property. I believe my Homeowner Rights were violated, in addition, other rights may have been violated, ( Real Estate Settlement Procedures Act, The Truth in Lending Act ). 
the foreclosure was filed with inaccurate information the company failed to correct before filing the Notice of Default on my property. XXXX have sent me documentation for approximately 7 years with the wrong billing amount, percentage rates, and account balances, although I disputed and tried to tell them the information was incorrect, nothing changed. 
History of Loan : The Original servicing company is XXXX XXXX XXXX, this company I tried refinancing the loan with in XXXX before falling behind, the application was denied. I was told the application was denied because I did not meet Demographics. The Original servicer denied my application based on characteristics ( Discrimination ). This company talked me into signing into the bad loan saying they would refinance me after making so many payments to my unknowing the company had no intensions to refinance the loan. I will soon fall behind on payments and the loan was charged off. The understanding I have now is the loan was sold to XXXX who Breached the Contract by not Notifying me of the Transfer. I have no clue when this company started servicing the loan because I did not receive a notice to notify me the loan was transferred. The company violated my Homeowner Rights and as of today Real TimXXXX Resolutions is still violating my rights. Since Real Time Resolution company took over the loan, they have practiced bad business and refused to correct the mistakes they made month after month with sending me inaccurate billing statements. Although I expressed to the company the monthly payment, percentage rate and balance was incorrect the company made no attempts to make corrections, however, continued to pursue payments. On XX/XX/XXXX I submitted a Loss Mitigation application to Real Time Resolution with a letter attached indicating amount I am willing to pay due to their negligence and wrongful conduct. The company sent me monthly billing statements for years knowing the bill was full of errors. Real Time Resolution only identified themselves as the new servicer when I sent them a Debt Verification Letter. Up until XX/XX/XXXX I received nothing from this company but fraudulent bills. The Contract was Breached. The company states they took over the loan in XXXX and is requesting to collect payments from XXXX. The company has recently emailed me documents to indicate they did notify me, which is not the truth, and I dont know where those documents came from as documents are easily created and can be used to deceive. I have never received any said documents from XXXX nor any other company. Again, my first notification the account Transferred was in XX/XX/XXXX. In addition, when I requested Debt Verification its odd that not one of those letters was with the packet the company sent to me in XXXX. Am I suppose to acknowledge documents I received 7 years later, regarding the Transfer of the account. 
It is not right for the company not to be held accountable for their negligence and wrongful conduct. XXXX company has a history of not notifying clients and now I am a victim of their Fraud, Negligence, and Deceit. 
I have so many documents with different amounts and dates, nothing is adding up, and nothing makes sense, this company is committing Fraud. XXXX company is blaming another company for changing the amounts on the billing statement to justify why they have consistently sent monthly billings full of errors for years. XXXX is blaming XXXX for the mix up but fail to acknowledge there is a Contract. I signed a Contract and XXXX ignored it. It was Real Time Resolution responsibility to make sure the billing information was correct and even after I tried to tell them and XXXX the information was inaccurate ; I was not heard. As a borrower I have the right to dispute the inaccuracies in billing this company has tried to make me pay on inaccurate billing even though they have documents to verify the correct payment amount. It was XXXX responsibility to correct mistakes and they didnt until XXXX but trying to charge me from XXXX, THATS FRAUD. I disputed the company inaccuracies with the Credit Reporting Agencies and Real Time Resolution was removed from my Credit Report by all Reporting agencies. And, even after the dispute, the company did nothing to correct mistakes and continued to send inaccurate billing statements. It is not right for the Borrower to be held accountable, but the Servicer have no accountability for their wrongdoing and fraudulent behavior. As of XX/XX/XXXX, the company sent me a notice saying my Loss Mitigation application is received and complete. However, I have not received any options on how to resolve this issue. The company have sent me billing statements where they have attempted to correct years of mistakes, however the company is not acknowledging this is years later of them being negligence and knowingly displaying wrongful conduct. The amount on the Notice of Default is incorrect and the company is still trying to seek full payment as though it Is no Laws to hold them responsible for being negligence and violating consumer rights. I have been trying to get in touch with the Trustee company XXXX XXXX XXXX XXXX ( XXXX ) XXXX to confirm they are aware the foreclosure is put on hold until the company provide me with Alternative options to Resolve the Loan. However, this company is operating just as Real Time Resolutions not answering and not returning my phone calls, violating rights. The company have not called me back and they do not answer their phones. The company may continue to Violate my Rights by illegally proceeding with the foreclosure before providing me with options to a Fair Alternative Option Plan. XXXX is asking me to pay Attorney fees for their negligence, what am I paying their Attorney fees for if the company wasnt trying to commit Fraud there wouldnt be Attorney fees. BAD BUSINESS. XXXX recently emailed documents to me and 85 % of those documents I have never seen. To my understanding the company has until XX/XX/XXXX to provide me with options and so far, I have not received any type of resolution. However, the Default Notice was filed on XX/XX/XXXX.

Company response to consumer: Closed with explanation