Consumer complaint received 2020-06-11
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Reverse Mortgage Solutions, Inc. (CA)

COMPANY AVOIDING COMMUNICATION RE {$7000.00} THEY OWE ME ... 
XX/XX/XXXX Last Friday, on XX/XX/XXXX I sent to the Reverse Mortgage Solutions ( RMS ) manager, XXXX XXXX, that I wanted the {$7000.00} for moving out of the property, subject of this complaint, 3 months ago on XX/XX/XXXX. I received an auto-responder message : " I will be out of the office XX/XX/XXXX and returning on XX/XX/XXXX. '' This is follows a similar RMS auto-responder message of 2 days earlier. RMS seems to have decided not to communicate with me, a client of theirs. Phone calls are difficult as well. I am a client of RMS and I need 2 way communication ... 
Here is what I sent to RMS manager XXXX XXXX on Friday, XX/XX/XXXX : Dear RMS Customer Service, XXXX XXXX  autoresponder said she would be back in town on Wednesday, XX/XX/XXXX, the date you had scheduled the foreclosure auction of mom 's property located at XXXX XXXX XXXX in XXXX XXXX XXXX, California. Then I was told by XXXX XXXX that you postponed the foreclosure auction date to XX/XX/XXXX. You did this at the last minute, and I wasn't even consulted or notified. There continues to be a big time communication problem. Your XX/XX/XXXX response to the Consumer Financial Protection Bureau, et al, diverted attention from the issue and it put me in a negative light. I made the following response to the CFPB, et al, the day after the scheduled XX/XX/XXXX auction which was postponed without any prior notification to me. THE COMPANYS RESPONSE DID NOT ADDRESS MY ISSUE You, Reverse Mortgage Solutions ( RMS ), allege that I failed in two attempts at a Short Sale. No. There was no failure on my part. I presented 2 great deals. RMS denied them both. Perhaps the investor ( XXXX XXXX ) didn't want my Realtor to get his commission, or perhaps the investor was holding out for a price based on the pre-Covid era. Whatever the case, I successfully brought the Investor 2 great deals. Failure to approve the deals was not my responsibility. Now I am blamed for the RMS failure to act??? The investor offered me a deal for {$7000.00} to move out of mom 's house by XX/XX/XXXX. This was independent of a sale - whether a short sale or a foreclosure sale. I never agreed to any subsequent changes. The deal works great for the investor in a " non-eviction '' CoronaVirus era. Now the investor owes me {$7000.00}! I moved out of the property and I moved my belongings out by our agreed upon date of XX/XX/XXXX. RMS states on XX/XX/XXXX, that I still have personal property, furniture and belongings, inside the home. NO, they are mistaken. RMS goes on to say something even more bizarre. I quote : " we discussed this over the past ten days and you confirmed there was still property in the home to stage the property for sale. '' NO! NO! NO! Staging a property for sale??? Who are you getting this information from? You are either confusing me with another client, or you are just making this up. I moved out of the house on XX/XX/XXXX together with my personal property as per our agreement. Now the investor, XXXX XXXX, is offering a " relocation incentive '' if I move out by XX/XX/XXXX? GREAT! I MOVED OUT 3 ( THREE ) MONTHS AGO!! This time the offer has other stipulations. I've already moved out! Just send me the {$7000.00}. I don't want complications. I don't care that mother 's loan is " not federally insured ( per your Footnote # 1 ). You hold the mortgage on mom 's property. Since her refinance back in XXXX, you've made more than {$700000.00} in equity appreciation, you have a vacant house, you control the date of the foreclosure sale, what more do you want? Just send me my check for {$7000.00}. Thank you. I DONT UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT In their response to my complaint RMS puts me in a bad light. 1. They reference " two failed attempts to complete a short sale. '' WRONG. I brought RMS two great deals. It was RMS who failed to approve the deals. They denied the deals based on pre-Covid19 market data based on well maintained non-short-sale properties. Mom 's property was a short sale. It had an underwater reverse mortgage against it. Mom was XXXX when she died and had not maintained the property for 15 years. RMS failed to approve two great deals. 2. RMS states the " The Investor Is Not Obligated To Allow A Short Sale Of The Property. '' This was never the issue, and I dont understand why RMS avoids the underlying issue. 3. The Relocation Incentive. " After your first failed attempt to complete the  closing on the short sale of the property ... '' Irrelevant. Additionally, I am placed in a negative light with those not familiar with the facts. This is abuse. Then RMS restates their original offer for {$7000.00} with conditions different from the original offer, and in an overbearing manner. I don't understand why XXXX wants to put me in a negative light. I brought them great offers, I moved out, and now they just want to keep the {$7000.00} they owe me. THE COMPANY DID NOT ADDRESS MY COMPLAINT On XX/XX/XXXX RMS offered me another " moving incentive '' which doesn't make sense. I moved out of the property on XX/XX/XXXX per their agreement with me. They wanted the house " unoccupied '' so they could sell at the foreclosure auction originally scheduled for XX/XX/XXXX. My complaint is still unaddressed. RMS still needs to send {$7000.00} in return for my move out. COMPANY NEVER SENT INSPECTOR ( See Attachment dated XX/XX/XXXX )