Consumer complaint received 2019-07-19
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The original loan amount of XXXX started with XXXX XXXX in XXXX. The questionable loan balance of $ XXXX was transferred to Rushmore in XXXX of XXXX. with my payments to Rushmore over the life the loan, the balance fluctuated respectively to $ XXXX XX/XX/XXXX, $ XXXX XX/XX/XXXX, $ XXXX XX/XX/XXXX. with no itemization of hidden fees and charge, depending who you talk to the balance id different each and every time. Rushmore refuses to sit down with me in person to hash this up for good. 

XXXX XXXX, the VP of mitigation at Rushmore ( nice guy ) has been my only contact over the years regarding the ups and own of my life. They mailed a DEBT VALIDATION NOTICE, which I disputed in wiring. While XXXX and I were executing our mutually agreed upon course of action, and now pending out court hearing on XX/XX/XXXX, they preemptively filed NOTICE OF DEFUALT on me. 

MUTUALLY AGREED UPON ACTION PLAN From : XXXX XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : 'XXXX XXXX ' Subject : RE : [ EXTERNAL ] Call ACTION PLAN Hello Mr. XXXX As mentioned on our call today, its always good to talk to you, here are our takeaways : 1. Youre going to provide me with a dispute letter regarding the Credit Bureau reporting and the details behind what / why is being disputed a. I will provide you with my address to send the dispute XXXX XXXX XXXX XXXX. XXXX CA XXXX ( please send to my attention ) b. You will also include your updated mailing address in the dispute 2. I will request the Payoff amount a. Which I should have in about 3-5 days b. I will email a copy and send via mail once you provide me with your updated mailing address 3. I will speak with the investor and request if they are willing to offer a Modification without documentation a. Special request to see if they can consider extending the Modification term out to 15 years instead of the old one which was 7 years to maturity ; noting that you dont have any down payment for consideration at this time b. I have attached the Borrower Assistance application I sent you on XX/XX/XXXX ( if you cant download/view it, please let me know and I will mail you a copy ) in case the investor stands firm on requiring a complete package to consider you Additionally, I know I mentioned the Foreclosure will stay on hold until XX/XX/XXXX to provide time to get a complete package submitted. Once the complete package is received, we will place the file on hold for underwriting to review. 
In the interim, Ill work on my takeaways and ask that you keep me updated on yours as well. 
Please let me know if you have any questions or if I missed anything. 
Thank you in advance XXXX XXXX XXXX XXXX XXXX XXXX From : XXXX XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Cc : XXXX Subject : Re : [ EXTERNAL ] Call URGENT UPDATE Greetings XXXX, To date, Item 1, dispute on the loan was faxed to you and certified mail to you via USPS XXXX XXXX XXXX XXXX XXXX. However as you indicated such status has not been reported to the credit agencies. My new lender informed you this morning. Please update and provide proof so I can seek new lender. 
My new address which was mailed to Rushmore while back, was sent to as well. 
Item two, the payoff amount however incorrect was received, QWR Written request was mailed to you via USPS certified XXXX XXXX XXXX XXXX XXXX and received by you with no response to me to date. 
Full account ledger is still pending for the life of the loan. 
Extended loan medication for 15 year has not reached me as of today. 
Please provide me with the full discernable account ledger for the life of the loan and new extended and modified loan doc so we can conclude this. All of agreed but unfinished action items on your part will be brought up to the attention of the court. I prefer to do the ground work while we have time. 

On a last note, on several occasions, I have indicated to you that you and I have entered into a written agreement and as such no third party will be recognized nor any associated cost will be agreed to nor be covered. I invite you to continue working with me directly.

Company response to consumer: Closed with explanation