Consumer complaint received 2021-03-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

Hi my name is XXXX XXXX. I own a duplex in XXXX CA that is currently rented out .I have owned the property since XXXX. Due to extreme covid hardship for myself and tenants I have been unable to maintain my mortgage. I have continually contacted my new ( AQUIRED LOAN XX/XX/XXXX, PREVIOUSLY HAD XXXX XXXX XXXX SINCE ORIGINATION ) mortgage company Rushmore Loan Mngt services, llc for assistance. Which they have denied me since XX/XX/XXXX. Rushmore loan services have routinely denied me help and have tricked me into thinking they were working with me but rather they were aggressively starting foreclosure. I strongly feel They are discriminating against me because I am XXXX single woman and not educated about my rights. 
Recently on XX/XX/XXXX I again contacted Rushmore for loan assistance where I spoke with XXXX. I advised of my covid hardship and asked for assistance, she denied me any immediate assistance. I told her that due to the state moratorium my tenants were not paying rent and that their was nothing I could do to enforce them to pay at this time but that it should be expiring and my tenants said they will start paying in XXXX and I would follow up, she said ok. She never mentioned that my account was going to be immediately referred into foreclosure pending our conversation. She tricked me into thinking that the bank would work with me but all along they were planing to foreclose. They say things like complete a package but when I explain my hardship and my finances they say oh you don't qualify. For almost a year they denied me options. I also advised Rushmore numerous times on the phone it was my intent to keep my home. As soon as i got off the phone withRushmore I contacted HUD for help. I spoke with XXXX XXXX at XXXX who was assisting me with options. ON XX/XX/XXXX Rushmore Filled a NOD. On my conversation on XX/XX/XXXX i was never advised that a foreclosure was immenit. I was tricked into thinking they were working with me but 3 weeks later a Nod was filed. I never received a call or letter from Rushmore after my call with XXXX on XX/XX/XXXX advising me their going foreclose and i would have additional fees. On XX/XX/XXXX I actually found out about the foreclosure from a solicitation call that my home had a NOD. When I called Rushmore for explanation I spoke with XXXX XXXX who told me go online for a deferment. Again I was tricked into thinking help was available but when I went online request deferment I was unable to apply. I feel like I have no options to save my home even though I have had an extreme covid hardship. This company does not want to help me and want to destroy me because I don't have the resources to protect myself. My tenants are struggling and if I loose this house they will have no where to go. Also when I asked why was I not notified about their intent to foreclose they said they sent it XX/XX/XXXX. Almost a year prior however no one ever mentioned that to me on any of my calls over a year. Also they continue to humiliate me by mailing nod to my family members address even though I don't reside their or ever provided their addresses.