Consumer complaint received 2015-12-09
Company: Residential Credit Solutions, Inc.
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
( Pt XXXX from Case number : XXXX ) I was informed the {$10000.00} payment agreed to on XXXX 2015 was still good. It should have never gotten to this point. The female mentioned the actual price keyed in the system was {$10000.00}. The manager never mentioned " XXXX '' when discussing the ridiculous repayment plan with me. I asked, what would have happened if I had only mailed in the {$10000.00}. I was told it would not have been accepted. A {$10000.00} payment to reinstate the loan would have been denied for XXXX? What is the purpose of the manager leaving that out? To further put me into the hole? As mentioned I have applied for a Loan Modification, submitted the package on XXXX 2015. On XXXX XXXX 2015, they needed more documents. I do n't understand any of this process. Do n't think RCS does either. For the repayment plan, staff mentioned they had to run my " financials '' to see if I qualify. Why? RCS knew they were going to ask for an outrageous repayment, knowing I am requesting a Loan Modification to DECREASE my payments. First, I am forced into foreclosure due to RCS denying payments of what I had. Who refuses a payment? Unbeknownst to me, RCS put me in foreclosure. There was no notification or warning. Speaking with many at RCS, this was never said to me. Then to return my payment of {$6000.00} ( after it was approved via telephone ), pushed me further into delinquency. I 'm informed on XXXX 2015 - when I call about the {$6000.00} - the loan was sent to the Legal department XXXX/XXXX/2015. The repayment includes XXXX payment, late fees ( they never accepted any of the payments ), and Legal fees ( when no one ever tried to work with me ). When asked about the amount to spread over months in repayment plan, I 'm first told {$4400.00}. The loan mod should give some relief. When the legal fees amount came in, they were {$1500.00}. All of these preventable fees made my repayment {$3300.00} for the months of XXXX - XXXX, and {$3000.00} for XXXX. Yet I want/need and applied for a decrease?? XXXX! The nightmare just continues, yet, staff is programmed to say they are helping. If my mortgage payments are {$2000.00} and I have applied for a Loan Modification to decrease these payments, and the Loss Mitigation department gives me a repayment that increases my payments over {$1300.00} for five ( 5 ) months. Where does this say the borrower is being helped? I asked if the ridiculous amount being added on could be spread over twelve months ( as opposed to six months ), the female staff claimed she had never seen that happen before ( all while telling me that I could n't afford the repayment amount ). Putting me on hold to speak with the manager, the female staff tells me that in order to have it spread over twelve months, I would have to fill out another financial package like the one I had already submitted for a Loan Modification. The new loan modification package would override the previous package I had submitted to lower my mortgage. This is helping me to face foreclosure again at the scamming hands of RCS. The attorney fees should not be my responsibility when proper mortgage protocol for foreclosures and taking payments was not followed. Of course, I was told that " an approval on the Loan Modification is n't guaranteed. '' With RCS history of purposely denying loan modifications, I did n't think that was wise or smart for her to mention that. What did she suggest next? For me send in more money and to decrease my repayment amount. The point she missed was that I should not have been responsible for late or legal fees at all. Stated in my previous complaint ( ID above ), my mortgage went from under {$1800.00} w/XXXX to {$1800.00} with RCS in a year. Then XXXX 2015, RCS increased the payments to {$2000.00}. They now $ XXXX to an analysis done in XXXX. If it is in so called foreclosure why an analysis?

Company response to consumer: Closed with explanation