Consumer complaint received 2015-11-04
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc. (GA)

I agreed to a streamlined loan modification with XXXX only to avoid forclosure even though i had previously sent documentation of payments and cancelled checks that showed I owed them nothing after completing a chapter XXXX bankruptcy. I completed the trial modification payments and was sent the final modification agreement to sign and notarize in XXXX 2015. At this time I sent the signed and notarized final loan modification documents in a timely manner along with the 1st payment as requested that was to be posted for the XXXX 2015 payment per XXXX. This was sent in XX/XX/XXXX. Around XX/XX/XXXX I went online to XXXX and saw that my loan was to transfer to Residential Credit Solutions by XXXX XXXX and I became a little anxious because I had heard horror stories about loan transfers in the middle of loan modifications. I waited to receive copies of my executed final modification agreement but had not received anything by XXXX XXXX. I did not worry however because I knew next payment per final loan modification papers indicated my next payment was not due until XXXX 2015 despite me not having received the final documents with XXXX signature. On XXXX XXXX I was elated to have received copy of the final executed loan modification document that was signed by XXXX XXXX/XXXX/15. Two days later I received another package in the mail from XXXX that was congratulating me on being approved for a Streamlined Trial Modification. I thought this was a joke since I already had a copy of a signed and executed agreement from XXXX on a permanent loan modification. These new papers offering me a trial modification also had different terms than my final papers And it indicated I would have to make my first trial payment that would be applied to my XX/XX/XXXX payment!!!. This was ludicrous since i had been finalized and did not owe for XX/XX/XXXX anyway!! I immediately called them but was told they no longer serviced my loan because it transferred over to Residential Credit solutions and I would need to handle any concerns with them. I was livid because this was playing out just like all the horror stories I had heard about. I did call Residential Credit solutions only to be told XXXX infomed them I was under a trial modification and that my trial payment for XXXX was due. I told them I have an executed final loan modification signed by XXXX and that i was not entering another trial agreement. Since then they have sent me papers stating my mortgage at the terms it was before the permanent modification with a due date of XXXX XXXX, 2015 and you can only imagine whats next. I am sick and tired of the fraudulent games being played by mortgage servicers and want an attorney to ask for a full accounting of my loan during the entire period it was serviced by XXXX so that I can prove they have received every payment from me and that i am not in default. In the meanwhile it needs to be noted that I have yet to receive any such papers indicating that there has been an error in the terms of the permanent loan modification. I only received new documents inviting me into a trial modification as if i had never entered one! Who does that?? especially after they have executed a final mod and then transfers your loan?!!! Once again this is all by design to XXXX the consumer while they get money from XXXX XXXX for drawing up a modification. Someone also needs to look into whether these XXXX companies are affiliated with one another because this is flat out fraud! Ultimately I want to be vindicated since my records indicate I owed XXXX nothing before they threatened me with forclosure. I had just completed a chap XXXX and somehow they made up i still owed them {$13000.00}! If this was the case wouldnt they have filed motion to lift automatic stay while i was still in bankruptcy?