Consumer complaint received 2015-09-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc. (MD)

I am writing to you in order to complain about a business situation between myself and the company, Residential Credit Solutions. It all started XX/XX/XXXX when I filed bankruptcy for a house on XXXX XXXX in XXXX Maryland. At the time it was was under the XXXX XXXX XXXX mortgage company. After a period of time, it was then sold to the lending institution, Residential Credit Solutions. They kept calling me to make a choice of which to choose to include : do I want to keep the house, fill out a home loan modification packet, put it up for a short sale or what? This was all really strange, since XXXX XXXX did n't do any of this or if they did I do n't remember. XXXX XXXX kept worrying to buy insurance for a property that I did n't know was still mine. I thought that the house did not belong to me anymore since I had filed for bankruptcy. I thought that filing bankruptcy was the end of the process. I did n't know that the bank had to file foreclosure first. It had been several years and now RCS was asking me to choose from all of these choices which I thought were gone for me. Finally after they kept calling, I decided to choose the house modification loan. Well that seem to be a big mistake, as I have filled out and faxed so many loan modification packets to that company and none of the packets were quite right. Either some of the dates had expired, so I had to keep sending in new up dated forms for my packet or redo sheets that just were n't right. It took months. I actually was XXXX several times during this process ( not because of the process ) but this really became mind boggling. I know that there are many necessary papers that must be filed with this process but this became ridiculous. They kept sending me so many packets through the mail. I did n't even need all of those packets. It seems like they were trying to make me feel like they were trying to help me but in the long run it seemed like a vicious game. Even 3 days before the sale of the house they told to still keep sending in papers to complete the packet. The house sale was on Friday, XX/XX/XXXX. On the following Monday, I tried to call them to see if I had finally filed the packet correctly and they said that it was too late because the house had been sold already. When I told them that someone was living in the house, they said that the sheriff would be coming by mid-week and they should be out by the end of the week. I later found out that the information about vacating the property was untrue. I knew that there was a great possibility that the house would be sold but how come it had to be them who winded up with the house for XXXX dollars less than the original price which they kept confronting with. I know that if I had gotten a loan modification it would have been cheaper but not that much cheaper. They went into this deal with all the cards and I had none. In others words they had all of the legal resources and I had next to none. It seems like a conflict of interest. How could they be looking out for my interest as well as their own. Since the house has already been sold, it is hard to fill out the information below because I was still hoping that something possibly could be done.