Consumer complaint received 2022-09-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

During the period of the COVID-19 pandemic, XXXX XXXX XXXX XXXX, I lost a significant portion of my regular income and was unable to maintain regular mortgage payments to Rushmore Loan Management Services ( RLMS ) the servicer of the mortgage on my home. After the forbearance period expired, I was denied multiple loan modification requests and was notified on XX/XX/XXXX that my account had been referred to XXXX, XXXX XXXX XXXX XXXX for foreclosure proceedings on XX/XX/XXXX. At this junction, I had no other choice but to reach out to family and friends for assistance and I was lucky enough to receive the needed funds. 

On XX/XX/XXXX, to prevent foreclosure actions on my home, the full payment of {$25000.00}, the re-instatement amount quoted by Rushmore Loan Management services was paid via wire transaction even though the past due amount was actually {$16000.00} for XXXX missed payments. Once the account had been reinstated back to current, I reached out to XXXX for an explanation of the costs and fees included in the reinstatement quote. 
The following items were added to my bill. 
Late Charges - {$210.00} Foreclosure Fees & Costs- {$3500.00} Corporate Advances- {$340.00} Escrow Advances- {$4900.00} Miscellaneous Fees- {$30.00} Corporate Advances- {$340.00} I called the XXXX office on XX/XX/XXXX, I emailed them on XX/XX/XXXX and I also mailed a letter via first class mail on XX/XX/XXXX. As of today XX/XX/XXXX, I am yet to receive any correspondence back detailing the itemization of all the charges imposed on my account. I received one letter on XX/XX/XXXX about the corporate advances charges which was very vague and did not specify what was included in the additional and separate Foreclosure Costs that posted on XX/XX/XXXX or the {$90.00} charge that posted on XX/XX/XXXX for appraisal/XXXX which I never authorized. 

Foreclosure Fees & Costs- {$3500.00} I have since conducted an investigation of the so called Foreclosure activities charged and have found them to be nonexistent. On XX/XX/XXXX, I called their attorneys office, they were unable to provide any detail of any foreclosure related activity that occurred on my account. I requested an itemized bill be generated to show what/if any work had been done on my file. XXXX and XXXX, employees at XXXX XXXX XXXX XXXX XXXX XXXX were unable to provide any, confirming my suspicions. I also visited the XXXX XXXX courthouse and XXXX County department of Land Records in an attempt to obtain any foreclosure filings against my home but there was and is no record of any foreclosure activity or filings on my property pertaining to this default. I am therefore confused as to why a refund has still not yet been issued for the unsubstantiated amount of {$3500.00} that was charged as foreclosure fees & costs. 

Escrow Advances- {$4900.00} I have also asked for an explanation of the {$4900.00} charged to my account as escrow advances. Rushmore loan management services claims this was for tax remittances paid on my behalf in XXXX however per my investigations, XXXX County department of Finance records reports that the total amount of taxes paid in XXXX was {$4200.00}, a variance of {$640.00}. 

Miscellaneous Fees- {$30.00}, Late Charges- {$210.00} The miscellaneous fees have no itemization, so I have no idea what was lumped in there and the late charges do not align with the data in the most recent statement of {$140.00}, a variance of {$70.00}.