Consumer complaint received 2015-08-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc. (CA)

In XXXX at age XXXX I was permanently XXXX by successful treatment for XXXX XXXX XXXX. My husband was XXXX by early onset XXXX 2 years before. Our income was lower but my credit score was excellent. I applied for a loan modification with XXXX XXXX XXXX. We had rental properties & that meant faxing XXXX pages. They lost it & I faxed it again. I continued complying between emergency hospitalizations before & after the death of my husband in XXXX at age XXXX. 
At the same time I applied for & was granted a loan mod on a rental house by XXXX XXXX XXXX. One application & it was done. 
I hired a loan mod consultant who carried on my efforts until XXXX when XXXX inexplicably sold my loan to Residential Credit Solutions. I had never been denied on any basis & my income fit the HAMP criteria. I had been assured that my most recent application would succeed. I thought I had been granted a modification, but then I was dealing with RCS. 
I first spoke many times with " XXXX. '' XXXX told me me to reapply. Then she was out of the picture and a man named XXXX was my contact. 
I had to explain it all over again. XXXX called and asked for new documents often. It seemed like I was n't taking proper notes so I asked him more than once to supply his requests in writing, but he refused every time. I also asked if RCS serviced my loan or owned it as my lender. XXXX said RCS was my lender, not the servicer, & that I owed RCS the loan amount. 
XXXX says XXXX is. 
In XXXX I was exhausted and hired attorney XXXX XXXX. I spent {$6000.00} on his help. He repeatedly asked in writing that RCS show they had the right to service, collect, or take any actions regarding my loan. They never did. Now six years later ( four with XXXX and two with RCS ), RCS says they will foreclose on XXXX XXXX. 
I invested {$120000.00} I had earned when I was well, in my house. I paid {$810000.00} for it, but a review appraiser said {$650000.00}, & that the appraiser used comps from a wealthier town and added XXXX square feet. I reported it to the California board of appraisers. 
The house works for my XXXX because I can rent rooms to supplement my income. It is a good arrangement because I normally rent rooms to people who can help me with things I can not do. I ca n't always drive. 
However, RCS caused notices to be posted on door & my roommate XXXX thought I had lost the house, accused me of lying to his family & became hostile & stopped paying the rent last winter. He brought strangers in & rented the garage for a man to live in. He went to the house next door, which I own, & left a note & a notice about my RCS loan, to make me look dishonest and make them worry. That was false. I had to evict him, & my other tenants next door moved out. XXXX told a neighbor I was cheating him & said he would lie in court. He did lie in his response but we settled out of court by him leaving. This cost {$11000.00} + the cost of eviction this year. 
In XXXX XXXX was fined for mishandling loan mods & is now granting them. If I had n't ended up with RCS my years of effort would have paid off. RCS was just fined & ordered to stop foreclosures on people who had loan mod trials in progress when their loans were sold to RCS. RCS has to identify which of their loans were in trial periods. I might be XXXX of them. 
Because XXXX and RCS handled my application incompetently this process has gone on for six years & my arrears is {$260000.00}. If XXXX is being penalized, I have accrued that debt for their malfeasance. I was not denied a loan mod for lack of income by XXXX. RCS has denied me for lack of income. They never told me how much I needed. I could have adjusted my rentals. 
I acted in good faith during medical emergencies, my husband 's death, & harassment. My $ XXXX is in my house so I ca n't buy another. RCS XXXX XXXX have made the last six years into a nightmare. Why did I survive XXXX? For this?