Consumer complaint received 2015-06-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

The servicing of my loan was transferred back in XXXX of XXXX and I have been living a nightmare ever since the transfer of my mortgage to Rushmore Loan Management Services. On the initial paperwork/statements they reported the wrong interest rate. Initially I spoke to a young woman in XXXX XXXX and explained there is an error with the interest rate and that it was wrong. The correct interest rate should be 5 % NOT 5.75 %. 

She noted my file and would have to research this information. I asked her how I can confirm that it has been corrected. She recommended that I sign up for Internet access to my account. I explained I would try but I had recently started a new part time job and would try to find time to set up online access. 
In XXXX I received several notices from Rushmore XXXX Tax XXXX - Homeowners Insurance required Mortgagee Clause change. 
XXXX - A notice that my Note and Security Instrument were in default due to non payment of the installment and a new charge of {$320.00}. - Recoverable Corporate Advance. 

I have called Customer Service XXXX again and again with no responses. I explained in great detail about the mortgage payment assistance program that I was enrolled in, NJ XXXX Acct # XXXX and that the payments were being automatically sent directly to Rushmore from NJ XXXX. Also, with this program there should be no late fees being charged. 

Each time I provided my phone number and was told that they would have somebody call me after this was all researched but it would take some time. At that time I set up my internet/online access in hopes that I would see some sort of response and corrections to my account. 
I have documentation/emails to detail my situation that I can provide to document this case. I began recording phone conversations in XXXX XXXX when I got a letter of intention to foreclose on my home. I called on XXXX XXXX, XXXX and demanded to speak with a supervisor. I began speaking to the ONLY person that seemed to care or even began to help me, a mortgage servicing manager named XXXX XXXX. 
It has taken many hours of my time and aggravation in order to have them CORRECT THEIR MANY ERRORS. My biggest complaint is the way they keep records and do not report accurately true important information. I am in the mortgage business and I believe it is the ONLY reason that I was finally able to hopefully have this nightmare ended. 
I had to spend hours and hours on the phone, losing time from working XXXX jobs and paying to send certified letters and then experiencing mental anguish of receiving late notices and threats of foreclosure and letters from loss mitigation dept about my loan being in default when ALL of the errors and problems were created by Rushmore Loan Management Services. I had to make threats to them that I would make a complaint to CFPB! This should not happen. I got notices that my taxes were not paid and my home would be put up for tax sale even though Rushmore had the money to make the payment. Finally I have had a person taping a envelope to my front door for the past XXXX weeks. The letter is typed on plain white paper ( NO LETTERHHEAD ) from Rushmore and advising of solutions to avoid foreclosure of my loan that is in default. WHICH IT IS NOT!!! 
I have been suffering through a very difficult emotional period since XXXX of XXXX when my youngest sister died a sudden tragic death and caring for my father who is XXXX years old while working XXXX jobs. 
At this point, I believe that I am due some sort of reparation for the mental anguish/harm that I have endured due to being threatened for so many months with foreclosure and the personal losses of time and money that I lost from my life and my work to repair this mess and not have it affect my credit history. 
I appreciate your help in resolving this matter so that this never happens to someone else. 
Thanks you.