Consumer complaint received 2021-01-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
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.

Company response to consumer: Closed with explanation