Consumer complaint received 2018-04-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OH

Complaint narrative:
In XX/XX/XXXX, my mortgage was transferred from XXXX to Rushmore Loan Management Services. I paid my regular mortgage amount ( XXXX ) with no problem. In XX/XX/XXXX when I attempted to pay my mortgage I was told that was the incorrect amount, that my mortgage was XXXX. I disputed this amount and asked that this discrepancy be investigated. On XX/XX/XXXX, I paid the regular payment ( XXXX ) and was advised that the reason for the additional amount owed was because I had requested and received a loan modification from XXXX  that INCREASED my interest rate from XXXX to XXXX! I assured them that I had not requested a loan modification, that no one requests a modification to INCREASE their interest rate, and that Rushmore must produce the paperwork because I had NOT signed any such modification agreement. Rushmore said they would continue to investigate. I began receiving past due calls from Rushmore and on XX/XX/XXXX, under threat of Rushmore beginning Foreclosure proceedings, I paid the additional {$77.00} with the request my additional funds be refunded to me when Rushmore got this straightened out. 
Early XX/XX/XXXX I received an Audit letter from Rushmore dated XX/XX/XXXX acknowledging their error and saying my payment was correct at {$460.00}. They said the correction wouldn't take place until XX/XX/XXXX but if this created a hardship I should let them know. I let them know. 
In XX/XX/XXXX I continued to get past due calls from Rushmore saying they had not received any payment in XX/XX/XXXX. I disputed this and provided them confirmation numbers for my payments and I requested the {$77.00} over payment be refunded to me. Because I am on a fixed income on XX/XX/XXXX, I paid my loan for the regular amount ( XXXX ) explaining to the Representative that I had a letter confirming this was correct. After she put me on hold to research this and check with her supervisor, she came back and took my XXXX payment. 
The XX/XX/XXXX statement I have from Rushmore shows an amount due of XXXX showing the XXXX past due. The second page of the statement shows the two payments made in XX/XX/XXXX of XXXX and XXXX. 
I just received a letter dated XX/XX/XXXX from Rushmore that is " Notice of Intent to Foreclose ''  stating the my mortgage is in default due to non-payment of the XX/XX/XXXX payment and stating that my regular monthly payment is XXXX. 
To cure this " default '' I must pay XXXX by certified check and that the total amount due is {$1000.00}. Failure to do so by XX/XX/XXXX will result in acceleration of the loan, foreclosure and sale of the property. 
I consider this harassment at this point. I have not only paid the XX/XX/XXXX mortgage and the additional error amount which they show on their XX/XX/XXXX statement, but I have also paid the XX/XX/XXXX correct amount noting that to pay the additional error amount would create a hardship.

I continue to receive past due calls from Rushmore even though the letters and statements I have from them show my payments and correct amounts due.

Company response to consumer: Closed with explanation