Consumer complaint received 2015-06-04
Company: Residential Credit Solutions, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX 2015 my mortgage company RCS requested to lift the bankruptcy protection that I have on my home and allow the foreclosure process to begin. They informed my attorney that I was XXXX months in arrears. It was determined that they had placed XXXX payments in a suspense status and had never applied the payments to my mortgage. I was forced to present them with proof that these payments had be deducted from my bank account which they have on record. This also meant that the year end XXXX calculation was incorrect. the year end XXXX reported that I paid XXXX interest. The corrected amount would be {$11000.00}, since I was in an interest only loan for the last XXXX years. After the payments were applied, I verbally requested the corrected XXXX the last week of XXXX 2015. They repeatedly offered the same incorrect XXXX even after my payments were posted to my mortgage and proof was provided. On XXXX XXXX, 2015 I was told that the escrow department was responsible for creating the correct XXXX. On XXXX XXXX, 2015 I spoke to XXXX in the escrow department who stated he would request the corrected XXXX and that it would take XXXX days for the corrected XXXX to be sent to me. I routinely checked the status of my request for the corrected XXXX. Not once during the follow up conversations did any representative state that I needed to submit the request in writing. I waited the XXXX days still no correction. I contacted RCS on XXXX XXXX, 2015 and was told that the corrected XXXX would not be prepared until I present the request in writing. I submitted the request in writing. Confirmed receipt of the document on XXXX/XXXX/15. I than told the legal department is reviewing my request and if approved it would take another XXXX days. Please help me. They have deliberately prepared a fraudulent XXXX. I truly believe it was deliberate tactic because they timed the missing payments, to justify foreclosure and the reduced interest on the XXXX so that I would have no means to bring the mortgage current. If I were an illiterate person who will quit at the sight of a struggle they just may have me and my son on the street right now. Who knows how many more this attorney has done this to!. Also RCS deliberately placed my payments on hold to allow them to force my mortgage into foreclosure.They are also attempting to discredit my work history by inferring that I have not worked for every thing that I have. It XXXX my stomach to think that some antiquated XXXX can not digest the fact that I worked all of my life, every chance that I could to have what I have just like my parents did. And I believe this legal department has deliberately hindered any chances that I had to get the mortgage modification because of these inferences. Did they really present my request for a mortgage modification to the owners of my mortgage. They have charges for legal fees for foreclosure when in fact the foreclosure was a tactic and was never legitimized. I have told them repeatedly that my income tax will allow me to bring my mortgage current. Each time that I call they become more hostal, avoid straight answers and pass my call from department to department. I also have determined that the attorney representing them is right here in XXXX Delaware and is a part of a some form of supremacy group who wants to force my my son and I out of our home of XXXX years. I feel so victimized.

Company response to consumer: Closed with explanation