Consumer complaint received 2016-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (OR)

Received mortgage modification packet from Rushmore Loan Management Services XXXX/XXXX/XXXX due to possible foreclosure. Returned packet XXXX/XXXX/XXXX. Was told at that time all proceedings would stop until further notice. Received a denial letter on the modification XXXX/XXXX/XXXX but to contact them for options. Contacted Rushmore XXXX/XXXX/XXXX to discuss options. Contacted a relator XXXX/XXXX/XXXX to place property up for sale. Recieved first payoff from XXXX dated XXXX/XXXX/XXXX good until XXXX/XXXX/XXXX or a daily per diem, house officially listed XXXX/XXXX/XXXX, received offer XXXX/XXXX/XXXX. Contacted Rushmore XXXX/XXXX/XXXX that property was sold. Was told at that time to stay in touch every 10 days on process and not to worry about anything. Closing was to be approx. XXXX XXXX or XXXX. Contacted Rushmore again, received second payoff dated XXXX XXXX, XXXX good through XXXX XXXX. Loan signed XXXX XXXX, XXXX, funds disbursed XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX Rushmore contacted my relator my email that amount sent was incorrect and to send more money. XXXX/XXXX/XXXX, I contacted Rushmore and at that time they stated the payoff statement sent was not correct, was n't caught by them nor the title company. Explained funds received had been disbursed, was told to bad, gave me an amount needed to be wired. Rushmore stated they would send the wire back and cancel the sale. Also on XXXX/XXXX/XXXX Rushmore contact XXXX XXXX wanted more funds, gave them a different amount to be wired. I tried to negotiate an amount with Rushmore stating the funds received had been used and Rushmore could n't of cared less, they stated to me I was the victim but they were not willing to negotiate for any amount. Emails began between Rushmore and XXXX, XXXX/XXXX/XXXX with different amounts being requested each time. At this point Rushmore was not returning any calls nor willing to take responsibility for there error. They then added additional costs that were not represented on any payoff statements. Forced placed insurance for {$500.00} which the property had insurance on it and they had copy on file and a foreclosure fee {$420.00} to which was never disclosed. XXXX sent an additional {$8800.00} to Rushmore XXXX/XXXX/XXXX by wire, then asking for confirmation of loan closed and lien released and to date have not received such confirmation. As for the force place insurance, contacted that department XXXX/XXXX/XXXX, was told error made, would refund {$500.00} directly to me and would call me with confirmation. Again nothing, call Rushmore XXXX/XXXX/XXXX was told refund sent to the loan which at this time was told : oh, sorry loan closed, we will send it to you in the mail in about a week. I now owe XXXX money due to Rushmore 's errors and bait and switch of amounts to be paid. I 've lost wages at my employment. 
I do n't have the funds to pay the title company as I had other obligations that were paid from proceeds. At this point, I know Rushmore needs to accept responsibility and refund myself or the title company or both.