Consumer complaint received 2017-01-01
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX sold my loan to RUSHMORE LOAN MANAGEMENT on XX/XX/XXXX while I was a few months past due. 

1 ) When I e-mailed the RUSHMORE specialist appointed to me, detailing my financial and physical hardship, I did not get a reply so I resent the email. The response to this second email said 'CALL ME '. He has refused to note anything in writing, only over the phone. 

2 ) When I asked about payment arrangements I was told that 2 to 4 months was the longest they would give homeowners to get caught up [ also listed on their website ]. I replied that I 'd not be able to satisfy that past due and keep current with that short of a payback period - I would need at least 1 year. The specialist said I could right now give my financial details over the phone and the 'partners ' would decide if they wanted to extend me the privilege. I asked if there was a form to fill out and he said no '. I replied that I was uncomfortable giving that information over the phone. 

3 ) The specialist suggested a Refi - I told him that I would not qualify for a refi, and that I was satisfied with the terms of my re-fi from XXXX XX/XX/XXXX, that I was trying to rectify my financial situation but I needed more time. Rushmore sent me a refinance application via XXXX 4 ) On XX/XX/XXXX Rushmore mailed me an 'Foreclosure Alternatives Program Deed-In-Lieu of Foreclosure with a 90 day deadline. Stating that I 'may be eligible ' for cash amounts during 30 days, 60 day, and 90 days with the amount decreasing at the XXXX intervals. 

XX/XX/XXXX, I received a DEBT VALIDATION NOTICE from XXXX XXXX XXXX. 
XX/XX/XXXX I faxed a DISPUTE to XXXX XXXX XXXX XXXX XXXX XXXX - 'Please be advised that I, consumer, dispute the validity of the stated {$880000.00} debt or a portion thereof ... Please provide a line item detail [ including the names of all parties, entities that charged fees for services i.e., inspections, maintenance, attorney fees, escrow amounts, etc. and whom received 'corporate advances ' validating the above-stated debt total dating back to XXXX, when XXXX acquired the debt from XXXX XXXX, to present to me via the address of the property listed above. ' XX/XX/XXXX I received via US Mail, XXXX XXXX XXXX response to my dispute ; # 1 '' Please be advised that XXXX is the foreclosure trustee and not the lender or servicer of your loan. Any information regarding the servicing of your loan, including requests for payment accounting and/or history, should be directed to RUSHMORE LOAN MANAGEMENT. '' Attached were copies of the following documents ; # 2 XX/XX/XXXX XXXX AM XXXX XXXX XXXX filed SUBSTITION OF TRUSTEE ... 
# 3 XX/XX/XXXX original XXXX note [ NOT INCLUDING XXXX XXXX ... (?? ) # 4 XX/XX/XXXX Filing Recorded County of XXXX XXXX CORPORATE ASSIGNMENT DEED OF TRUST from XXXX XXXX XXXX to XXXX PASS-THROUGH TRUST XXXX, XXXX XXXX AS TRUSTEE ... 
# 5 XX/XX/XXXX Filing County of XXXX XXXX ASSIGNMENT OF DEED OF TRUST from XXXX PASS-THROUGH TRUST XXXX, XXXX AS TRUSTEE, ITS SUCCESSORS AND ASSIGNS, whose address is C/O XXXX ... 

Am I not entitled to the requested information and protections according to FDCPA 1692? 
FDCPA 1692 G : Validating debts Bill collectors are required to validate debts before continuing collection efforts according to section G of the FDCPA. SECTION 1692G ( a ) Validation | Proof is required if debt is disputed SECTION 1692G ( b ) Cease Collections + Verify Debt| Requires that 1 ) Should the consumer dispute the debt or requests identification of the original creditor in writing 2 ) The Collector must cease collection efforts 3 ) until he verifies the debt and mails a response. 

- XXXX XXXX - I have requested a full accounting. 
- XXXX -I have requested a full accounting. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation