Consumer complaint received 2022-04-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Real Time Group, Inc. (TX)

In XX/XX/XXXX, we modified our home mortgage with our mortgage servicer XXXX XXXX XXXX  using the U.S. Department of Treasury Home Affordable Modification Program ( HAMP ) Home Affordable Modification Program ( HAMP 1 ) and the Second Lien Modification Program ( 2MP ). XXXX XXXX XXXX modified our first mortgage of {$360000.00} with an interest only variable rate of 6.375 % and extinguished or zero balanced out our second mortgage of {$92000.00}. We signed and agreed to a modified single mortgage of {$380000.00} with a fixed rate of 3.5 % which yielded a total monthly payment of {$2300.00}. The first payment due to XXXX XXXX XXXX was XX/XX/XXXX. The second mortgage was extinguished under the second lien modification program 2MP guideline requirements from the U.S. Department of Treasury. 
We have continued to pay this modified mortgage payment on time to XXXX XXXX XXXX until they sold our single modified loan to XXXX. XXXX  in XXXX of XXXX. See the consistent payment history from XXXX XXXX covering XX/XX/XXXX to XX/XX/XXXX. 
In XXXX of XXXX, we received a statement from Real Time Resolutions claiming that we owe them {$100000.00} for the second mortgage that was extinguished by XXXX XXXX XXXX under the HAMP and 2MP guidelines in XX/XX/XXXX. We also received notice for foreclosure on our house dated XX/XX/XXXX, from XXXX, XXXX, XXXX, and XXXX XXXX which is Real Time Resolutions attorney. We contacted Real Time Resolutions and spoke to an account XXXX XXXX XXXX. We advised him that this was all incorrect information because our loan was modified in XX/XX/XXXX. He advised they own the note and that we owe them {$100000.00}. He advised that a loan modification was never recorded by XXXX XXXX XXXX to the deed of trust in our local register office. He advised that if there was proof of a modification on file that they would have never pursued to file the deed of trust filing and foreclosure process in XX/XX/XXXX. He advised me to send him proof of the loan modification. We did. 
We contacted XXXX XXXX XXXX  and provided them with all our previous account numbers to request a copy of our loan modification agreement documentation. Unfortunately, they had no record of our previous first mortgage, second mortgage, nor the loan modification. This was very disappointing customer service from XXXX XXXX XXXX We contacted the Housing and Urban Development office outreach program who directed us to the Department of Treasury to inquire about any extinguishment proof and they also assisted us in obtaining a copy of our loan modification agreement from our current mortgage services provider XXXX XXXX. We emailed the signed loan modification agreement and website link https : XXXX to show the detail required guidelines service providers were supposed to follow under the Home Affordable Modification Program ( HAMP ) Home Affordable Modification Program HAMP 1 and the Second Lien Modification Program ( 2MP ) directive 09-05. This information was sent to XXXX XXXX at Real Time Resolution and their attorney at XXXX, XXXX, XXXX, and XXXX XXXX. to review. We expected that would clear up all the confusion to help Real Time Resolutions realize that their pursuit of collection on a paid off zero balance second mortgage loan was incorrect and that it was paid off and extinguished back in XXXX with the Second Lien Modification Program ( 2MP ) using funds provided to XXXX XXXX XXXX from the Department of Treasury. 
My credit report has shown the extinguished second mortgage as zero balance after our loan was modified in XX/XX/XXXX. 
We received a notice of sale postponement from XXXX, XXXX, XXXX, and XXXX XXXX. advising that foreclosure sale postponed from XX/XX/XXXX, to XX/XX/XXXX. 
We are filling this complaint because we are constantly being asked by attorney 's if we need help to file bankruptcy and asked by investor if we want to sell our home to avoid foreclosure. This feels like Real Time Resolutions is trying to complete a foreclosure money scam that was set up by XXXX XXXX XXXX  because they neglected to properly record our loan modification in XX/XX/XXXX and have totally erased all our past mortgage documents to prevent us from obtaining evidence of our loan modification. After almost 9 1/2 years XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have sold a modified extinguished zero balance second mortgage loan note to Real Time Solution so can attempt to collect {$100000.00} or force foreclosure sale to collect the {$100000.00} from my primary home. Please help us defend our consumer rights!!!