Consumer complaint received 2021-01-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (WA)

Please make this a RUSH I have sale scheduled for my property on XX/XX/XXXX. 
I again am raising some issues and concerns regarding the practices of banks and servicers. 
My loan was being serviced by XXXX XXXX , XXXX. I have been faxing and emailing XXXX XXXX my loan modification documents but never received any call, email or mail back from XXXX XXXX regarding the status of the loan modification. Usually, they would send me some type of correspondence. I decided to call them on XX/XX/XXXX to get a status update on my loan modification and they advised me that the loan was transferred to RUSHMORE LOAN MANAGEMENT SERVICES , LLC around XXXX-XX/XX/2020. This was a shock to me. I have never received any documentation from XXXX XXXX stating my loan was being transferred. Also, I never received a welcome letter from Rushmore Loan Management Services stating they are now the new servicer. All this time has gone and not one document was sent to me from Rushmore Loan Management Services. I called in today XX/XX/XXXX to Rushmore and finally over the phone received my new loan number from Rushmore. 
I believe this was done intentionally by both parties XXXX XXXX and XXXX to not give notice of the transfer in hopes of borrower ( me ) not catching it in time and to sell the home with minutes to spare. I feel like they are succeeding given the fact that my home is scheduled to sell on XX/XX/XXXX. 
I asked Rushmore if they could postpone the sale date for me so that I would have time to be reviewed for a loan modification. Rushmore advised me that I would have to contact the trustee attorneys XXXX XXXX , XXXX. I contacted them right away and I advised them on the concerns I had and the situation Im in, but they said they would have to ask the servicer if they could postpone the sale. Im being thrown around here. Rushmore is saying they can not do anything and to call trustee attorney and trustee attorney is saying to call the servicer for a postponement of sale. This is unacceptable business practice. 
Ive been dealing with banks and servicers for a very long time as you can read below my previous situations with banks and servicers. All have been unsuccessful. 
1st Bank : XXXX  XXXX XXXX. XXXX  XXXX XXXX proposed me monthly 3-time trial period payment of {$1700.00}. I was very excited for this and was ready to pay my monthly mortgage to keep my home. After I made those trial payments XXXX XXXX XXXX transferred my loan to a company called XXXX. 
2nd Bank : XXXX. XXXX started a foreclosure process on my home right away. I was very surprised they did that as I was under a loan modification and have already paid the trial period payments in total of {$5100.00} for the three months time to the previous bank, XXXX XXXX XXXX. I then contacted them asking why they said you are past due for a long time and we will sell your home. They told me I could apply for loan modification and maybe I can be reviewed. After a couple of months sending them all requested documents I have finally approved for a loan modification. They offered me another 3 month trial period payment in the amount of {$2400.00}. I was very shocked to see that the amount went up from the previous offer I received from XXXX XXXX XXXX. I was very unhappy to the increase in the payment but I had no other option because XXXX said if I did not pay and agree to this amount they will foreclosure on my home. So I paid the 3 months trial period payments in total amount of {$7400.00}. And once again after paying I got transferred to another servicer XXXX XXXX, who is doing the exactly the same thing. 
3rd Bank ; XXXX XXXX. Same story as with the other banks. I have to redo the loan modification process all over again. I have submitted all documents to them. And now again I have been transferred QUIETLY without my knowledge to Rushmore and in hopes of me not catching it on time due to the pandemic. 
Ive paid out of pocket 2 times already to XXXX XXXX XXXX and XXXX in total of {$12000.00}. I dont want to pay out of pocket again just to be scammed for my money that does not go towards anything. 
I have given Rushmore Loan Management Services , LLC all required documentation for a loan modification and they have received a full complete package. Rushmore Loan Management Services , LLC will be in violation of the Homeowners Bill of Rights Act if they proceed with the sale.