Consumer complaint received 2015-03-21
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
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

Company response to consumer: Closed with explanation