Consumer complaint received 2016-05-20
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
the mortgage company will not work with me to do a modification on my mortgage. well they said they would 4 years ago but .... they never sent paperwork for me to fill out and return. i always received a letter stating i did n't qualify or they could n't do a modification at this time. this started after i was released from chapter XXXX bankruptcy due to hardship. all my tries at loan modification was done over the phone. i kept on trying to work with these people, even when my mortgage had been turned over 2 times to different agencies. while trying to deal with the second company they sent my XXXX XXXX payment back to me. when i called to ask why they said it was in error and to resubmit. i did and it was returned again. i called them and they told me that there was a problem and for me to not send a payment till they find out what it was. i did not have any arrearages at this time. when XXXX XXXX came around i was dealing with another mortgage company. i explained to them the problem and had it been solved, they of course was not aware of it. so i had to faxed them everything i had on the dispute. i called to find out how they wanted to go forward. i did say i would continue to pay the XXXX payment i had been paying up until XXXX XXXX they said no and would look into the dispute paperwork and get back to me. i tried to stay on top of this and the arrears were growing. i lost my job of XXXX years in XXXX XXXX the mortgage company sent me paperwork with act XXXX on it. i called the number for the commission of economic opportunity and got with their mortgage assistance program. i was enrolled in a program through my county that helps people remain in their homes. i worked with the case worker i was assigned to and during this time i got another job. the first hearing about the modification was XXXX XXXX which was basically a meet and greet and to go over the paperwork. the next hearing was XXXX XXXX to tell me what i needed for modification. the next hearing was XXXX XXXX and by this time i received my letter of awards for XXXX. we added that to the money i had coming in and we had to resubmit our paperwork. the next hearing was XXXX XXXX and was told again that there was n't enough money coming in. my question to the mortgage representative was how much money did i need. i know no one can give me an exact amount but a rough estimate would give me an idea to work toward. so the next hearing was XXXX XXXX and i was told that i still didn ' ; t have enough money coming in and the mortgage rep said that we were done and that he would recommend me being removed from the program. the rep appeared to be in a hurry but the mediator that was there asked for a 60 day extension. the rep agreed o that. so we left and i started working on how to get more money coming in. the rep did send a letter for the 60 day extension. so the case worker and i worked on my new packet. then there was a letter i received about a judgement hearing. i took it to my case worker to take care of. then a week later a received another letter stating i now had a judgement against me from the mortgage company. to find out later was that the 60 day extension was rescinded, but no one was notified. now the mortgage company says they will not review this last packet and they say its because i had too many reviews already. so now the sheriffs sale is set for XXXX XXXX XXXX i want to save my home. i have less than 90 days to do so. please help me or recommend someone who can.

Company response to consumer: Closed with explanation