Consumer complaint received 2019-09-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MA)

I've been struggling for the better part of 8 years, with my mortgage and modifications to it. I've been XXXX since XXXX. XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) has taken their toll. In that time, My mortgage was transferred 3 times in 1-2 year period. In XXXX, XXXX had my mortgage. They accepted my Modification App. and off we went. Not soon after, They returned a my next 2 payments. requiring some additional fees. 
I was notified by my State Rep. about the EHLP program. ( mortgage assistance ). I applied at several HUD facilities, only to be denied. I filed an appeal to the main office of EHLP, in XXXX and after review, I was accepted. My program was for two years of assistance or {$50.00}, which ever came first.My projected assistance was around {$35000.00} ... I signed the Doc 's. in the summer of XXXX. However the program didn't start until XXXX. The financial partner was The XXXX  XXXX XXXX XXXX XXXX. I was still working with XXXX ( Hud council XXXX XXXX, XXXX ) through this process. All the while XXXX was threatening foreclosure. I was {$9000.00} +- in arrears. I was told by XXXX that the first check issued would be to take the mortgage out of default. Then my payment process would start.The program was for me to send XXXX 31 % of my SSDI monthly payment and XXXX would send in the full mortgage payment ( {$860.00} ) per my Modification. All was fine for the first 11 months, my payments to XXXX and from there to XXXX. 
In XXXX of XXXX, I received a letter from EHLP stating my account was exhausted. That week I also received a letter from XXXX asking for a {$34000.00} +- remittance for ancillary fees and auxiliary fees. The fees ( {$34000.00} ) +- were already taken. After doing some research, it seems all the big lenders had Liaison Officers working in EHLP. The next month my APR. jumped from 3.25 % to 9.85 %. My mortgage payment went form {$860.00} to {$1600.00} a month. I called EHLP ( the Director herself ). Very very helpful. Her EHLP coordinator mentioned to me that some lenders would add fees and such knowing that Federal Assistance was involved. Also it would take monjths and months to audit the transaction and recover some or all of the funds. Nowhere did this $ 34,000+- show in my P & I balance which at the time was {$170000.00}. Still to this day ... 
The very next month, XXXX changed their name to XXXX XXXX XXXX.The investors changed as well. After several months of discussion, XXXX offered me a Modification. The trial period ( 3 months payments ). Then when my first actual mortgage payment was made, they returned it asking for money for fees and such. Here we go again ... ... Also after inquiring about the {$34000.00}, I was repeatedly told ( by a single point contact ) he had " no idea " nor did the other 3 ( single points of contact ). After months and months of Where's Waldo, I get a notice that my servicer has been changed to Rushmore Home Loans ... and the investors changed as well. 
XXXX and I decided to contact Sen. XXXX XXXX XXXX office. We applied for a new Modification which was reviewed by XXXX and the Senators office for presentation. The Docs were sent to Rushmore and after several weeks,,, nothing..XXXX called and asked if I'd heard anything ... '' NO " .. XXXX called Rushmore inquiring and was told it's under review. Several weeks later, Rushmore 's underwriter contacted XXXX for some Doc. info. She returned the call with no response. Now I get a call from Loss Mitigation, ( XXXX ) asking what my intentions were with regards to my house. I'm here forever. I asked how the " Modification was coming .... Her response was " What Mod. App. '' I've sent in no less than 5 applications from XXXX XXXX. All denied for one reason or another. Time ran out, My non-borrower contributor ( excellent credentials ) turned down and my daughters $ 400+ board was not accepted. They sent a letter stating my App. reviews were exhausted. Yet I received 2 more in XXXX .... I have most All correspondence since XXXX pertaining to all mentioned above. Now they are Preparing for foreclosure once again. It's been 4 years or so No payments accepted. I've not gotten any foreclosure notices as of Today ( XXXX ) Please Help ... Between keeping up with my health and more so this .... not sure how much is left in the tank.. Thanks for reading ////