Consumer complaint received 2023-04-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Real Time Group, Inc. (CA)

Complaint Details I was told that when I got a loan modification in XXXX on my XXXXXXXX XXXX, the second loan was forgiven. 
I during that time, suffered a XXXX injury in a vehicle accident and I am now a XXXX. I am XXXX XXXX. I rely on my family for everything. 

We were contacted by XXXX  XXXX XXXX XXXX Real Time Resolutions regarding that forgiven second loan and shockingly told that it was NOT forgiven and that it must be paid! Different family members have tried to help me talk to Real Time Resolutions and I am trying to get this solved. 

I just asked again under the RESPA Qualified Written Request Section Six for loan documents on XX/XX/XXXX that I never received for over four months ( In vilation of my Federal Qualified Written Request-RESPA ) from XXXX XXXX XXXX after months of repeated written requests to Real Time Resolutions so that my family members could read and understand what happened. 

The documents ( Note and Deed of Trust ) finally were sent to me Thursday, XX/XX/XXXX by XXXX XXXX XXXX. I sent a email Monday, XX/XX/XXXX back to XXXX XXXX saying that the family would review the documents and we would be in touch with them. Suddenly, I receive a notice of FORECLOSURE from Real Time Resolutions recorded XX/XX/XXXX! Shocking and abusive. 

I was not told this might happen! What a shock! I am a nervous wreck. My mother has been hospitalized twice XXXX XXXX  XXXX from this abusive manner of communication. 

I called Real Time Resolutions and asked representative XXXX XXXX to let me speak with Supervisor XXXX XXXX because I wanted to find out why I was slammed with this unexpected Foreclosure when I had been working in GOOD FAITH to try to solve this. 
XXXX XXXX was not available and I was transferred to XXXX XXXX. When I spoke with XXXX XXXX, she said I was giving them the runaround repeatedly asking for the same documents. I told her I needed all ( Note & Deed ) of the documents ( not just some of them ) to talk with my family and I had not received all the documents until XX/XX/XXXX. 

XXXX XXXX said that I was giving them the runaround and that they could file foreclosure WHENEVER they wanted to. 
This was unkind and abusive. This is very distressing to me. I am sick as a result of this threat. 

In addition, they offered a settlement amount payoff of {$100000.00} in XXXX. I am XXXX under California State Law. I am on limited income and have no where to go. I was told this debt was eliminated when I got the modification in XXXX. 

I have been working in good faith with Real Time Resolutions and I believe I should not be subjected to this abrupt abusive treatment.

I would like to find out how RTR will change its policy to avoid future inadequate internal control failures that have resulted in my being pushed off a cliff into foreclosure. 

I told XXXX XXXX I would be asking for outside help regarding this bad treatment and a opportunity to settle my debt for {$25000.00} paid at {$500.00} per month.. If RTR can offer me payoff at {$100000.00} in XXXX is it possible to give me a discount to {$25000.00} due to these circumstances? 

CFPB please help me.