Consumer complaint received 2015-07-20
Company: Residential Credit Solutions, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX and mortgage servicer is Residential Credit Solutions , Inc. First of all, can you help me find out the name of my mortgage lender or bank. Secondly, I have not been able to get a HAMP Tier 2 or In House loan modification and I qualify. Thirdly, I was given {$80000.00} principle reduction from Keep Your Home California and the servicer returned the money back to Keep Your Home California for no valid reason. Lastly, the Servicer did not properly notify me or the HUD Counseling Agencies by telephone call, email or letter to advise us of what 's missing and to allow me more time to answer in a timely manner. Also the Servicer did not send me denied letter informing what 's wrong with my loan modification application and they should. 
My loan number is XXXX.I do not know who my Mortgage Lender is and would like your help to find out? Unfortunately, my house was foreclosed on and sold back to the bank on XX/XX/XXXX in error. The foreclosure should not have happened and my house should not have been sold back to the bank. I submitted a complete loan modification package to the Servicer on XX/XX/XXXX and never received a denial letter telling me the application was incomplete, which was untrue. In fact a complete loan modification application was submitted to them. I never received a written letter or notification that the loan modification was incomplete, instead I found out about the decision on XX/XX/XXXX at a court hearing. 
On XX/XX/XXXX I submitted another loan modification package to my Servicer and did not receive notification that additional documentation was needed. I was told that once it goes to underwriting they will tell me or the Agencies if something was and they did not. I contacted the Making Home Affordable ( MHA ) Escalation Team and was told that the Servicer had until Monday, XX/XX/XXXX to respond and let them know the status of my loan modification. I called Making Home Affordable on Tuesday, XX/XX/XXXX and they had not received a reply from the Servicer. I asked the Escalation team representative that this was time sensitive and that I needed to know what to do because my house had a sale date on Friday, XX/XX/XXXX. MHA representative told me that she would call me as soon as she heard from the Servicer. I called the MHA representative on Wednesday, XX/XX/XXXX and was told she had not heard from them. She told me that they could ask for more time to process my loan application. I believed that the XXXX HUD Approved Counseling Agencies sent the Servicer complete loan modification package according to the guidelines. Also I was calling the Servicer every day and spoke with their attorney on XX/XX/XXXX by telephone and email. The attorney after our telephone conversation responded to me by email on XX/XX/XXXX stating that Residential Credit Solutions , Inc. had received the loan modification application package from both HUD agencies and had not reviewed it yet. In the attorney 's email he asked me not to contact the XXXX again. I called the XXXX XXXX representative on XXXX, XXXX/XXXX/2015 and was told that they had received a response from the Servicer and she was turning it over to her supervisor for processing and she would call me on Friday, XX/XX/XXXX the day of the sale to advise me of what her supervisor said. She also reinterated that they could postpone the sale. I explained to her that I would like more time to apply for another {$100000.00} principle reduction from Keep Your Home California. I explained to the MHA representative that the sale date was on Friday and she let me know she would call me on Friday and that they can request 30 additional days to process my application if they did not follow the MHA guidelines. 
My complaint is they did not follow MHA guidelines when they said that they contacted the XXXX agencies.

Company response to consumer: Closed with explanation