Consumer complaint received 2020-02-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On this date being XX/XX/XXXX, This letter serves as a complaint against Rushmore Loan Management Services for my property located at XXXX XXXX XXXX XXXX, New York zip code is  XXXX. The complaint stems from the following : 1. Failure to Acknowledge all Documents had been Received by the Servicer 2. Failure to Appropriately Contact The Borrower for Property Inspection The Servicer forwarded a letter dated XX/XX/XXXX requesting additional documents. On XX/XX/XXXX I finalized the completion of my Loss Mitigation Application this would include providing any/all required documents and/or statements to the Servicer. According to RESPA 12 CFR 1024.41 ( b ) The Servicer must notify the borrower in less than 5 days excluding legal public holidays and Sundays that they have received the application and state whether it is complete or incomplete. 
If no foreclosure sale is scheduled as of the date the Servicer receives a complete loss mitigation application, the application is considered received more than 90 days before the foreclosure sale according to RESPA 12 CFR 1024.41 ( b ) ( 3 ) On 2/25/20 I was contacted by a third party realtor who stated my mortgage company wanted them to conduct a " broker 's opinion ''. They never mentioned the Servicer 's name and considering I have received several contacts from various realtors/private investors interested in my property. I responded by disallowing the realtor access since I thought it could have been a fraud scheme. However, I was contacted by the Servicer to correspond with the realtor to take pictures of the interior of the property. 
The problem is I am working out of town on business until XX/XX/XXXX, if I had received proper notification that the Servicer selected my property for an inspection I could have made other arrangements. The Servicer did not provide proper written notification regarding a timeframe in which they were seeking to have the inspection conducted. 
In conclusion, In a letter dated XX/XX/XXXX, the Servicer stated the home loan is 75 days and {$740.00} in default. However, the Servicer has failed to provide any foreclosure alternatives such as Short Term Forbearance Plan and/or Repayment Plan. 
I have displayed my abilities to pay the mortgage on a monthly basis. I have continued to make payments of {$350.00} although payments have decreased to {$330.00} effective XX/XX/XXXX. 
I will be out of town until XX/XX/XXXX and to accelerate the inspection process the Servicer may exercise their discretion by utilizing a drive-by and property comparison analysis to support their property assessment. In addition, the Servicer has easy access to the city and/or county property records. The fact remains that I am requesting mortgage assistance for a debt that I dispute. I do not wish to have any additional inspection fees or charges allocated to my account. The Servicer has not adhered t
o RESPA laws as they pertain. The Servicer is willing to put me on an ongoing roller coaster ride and foreclosure for a small delinquent amount.

Company response to consumer: Closed with explanation