Consumer complaint received 2019-10-18
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Reverse Mortgage Solutions, Inc. (IN)

This involves Reverse Mortgage Solutions. They are the most deceptive Company I have Ever in my life worked with. First of all, they told us all kinds of lies when we got the reverse mortgage. There was admittedly one year when we fell behind on our hazard insurance and they went and got it and sent us a bill. However, we did not fail to pay our property taxes. Although they did not tell us that was part of the deal when we got the loan, we have always kept our property taxes paid. However, they paid our property taxes on XX/XX/XXXX, that were due on XX/XX/XXXX and then sent us a bill. Well, we went up to pay our property taxes on XX/XX/XXXX and the ladies in the courthouse told us they were paid and never told us who paid them XXXX they said we did and they are not the brightest ). We thought oh well, maybe we did. Come to find out, Reverse Mortgage had paid them and they sent someone to our house!!!!! Some lady came here taking pictures of our house saying she was sent to do an inspection. My son was here. We were not home! This happened one other time when we had supposedly not sent in the verification that we resided here. I called to see why they had sent someone here to take pictures and they said they were foreclosing because we were in default because we had not paid our property taxes! I of course was shocked! I asked them to send me receipts and they did. Of course it was obvious that they had paid taxes due on the XX/XX/XXXX on the XX/XX/XXXX. So, they paid taxes that were not even due! Then I got a call from a realtor stating that she wanted to do an appraisal and RMS had asked her to do it!!! Well, I called RMS last week to say that they should not have paid taxes that were not due yet and the girl said that they no longer had our loan and I needed to wait a week and call someone else who now had our loan. She said that we should have received some paperwork about a settlement from the CFPB because of false advertising and that they could no longer help me. I asked why we got a bill from them for over 3 thousand dollars and she said they had paid taxes and hazard insurance. I said we paid our hazard insurance and I told her that they paid our taxes before they were due and we tried to pay them. She said I needed to call this other place. Well, before I could call this other place, another lady showed up at our house today and said she was sent here by RMS to do a property inspection by RMS! I am so angry! Not only are they big liars but they constantly keep us upset. My husband has a bad XXXX and XXXX XXXX XXXX. He built this house and he is so worried that our children won't get this house because of all of their lies. I do have some understanding of the laws but some of the elderly people, I feel so sorry for. What is being done about this company. Aren't they responsible for paying some damages to us and some of these folks they have harassed and told all of these lies to? Can they just file bankrupcy and forget what they have done and continue harassing us? I am so tired of dealing with this company. I am certain this new company is just another company that they have renamed. Can you help us?