Consumer complaint received 2025-01-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Real Time Group, Inc.
State: PA

Complaint narrative:
In XXXX, my husband and I obtained a second mortgage from XXXX, for a little over {$15000.00}. It was a 15 year loan with a monthly payment of {$210.00}. Over time, this mortgage was bought and sold eventually landing to the current company, Real Time Resolutions. A few years ago, I had noticed on my credit report that my maturity date was XXXX. I thought that to be odd and figured I must have been incorrect, and that it was an 18 year loan. I attempted to find the documents XXXX sent me before they closed, but found I had misplaced them. We continued to pay the loan. 
We eventually found the loan documents and I discovered I was correct ; this is a 15 year loan. I started disputing this debt, and am doing so to this date.

Counsel for Real Time Resolutions produced a payment history that I don't believe is correct, as well as another document adjusting the terms of our loan for an additional 3 years, unsigned by my husband and I. This was the first time I had ever seen this document. As a way of background, in XXXX, XXXX, we were having difficulty making our payments, XXXX was kind enough to lower our payment temporarily for 6 months, and then the loan would go back to the way it was. After the 6 months was up, we were still having financial difficulties. XXXX agreed to extend the lower payments for an additional XXXX months under the same terms as the one before. It was never stated that the loan would be extended an additional 3 years. Our loan would revert back to the same terms outlined in our loan agreement. The document Real Time Resolutions provided that extended our loan for 3 years is the first time I had seen this document, and my husband and I never agreed to extend our loan for an additional XXXX years, paying thousands more just to save a few XXXX dollars for 6 months. I went back to my loan documents I had received from XXXX. Interestingly, this particular document was not included in the documents XXXX provided to me. Earlier last year, I happened to look at my statement showing I still owed around {$12000.00}! We borrowed a little over {$15000.00}. How is it that 18 years later, after making payments of {$21000.00}, do we owe {$12000.00}. So in 18 years, after all those payments, the principal only went down about {$3000.00}! That simply can not be right. Real Time Resolutions is claiming because I signed a deferrment at XXXX time, showing a maturity date of XXXX, I must have realized that the loan ended in XXXX, That is absolutely not the case. I don't recall ever noticing the date of XXXX. Had I noticed it, I most certainly would have questioned it. Real Time Resolutions is insisting on continuing to collect on this loan, They now want a lump sum payment of over {$11000.00}. My husband I believe this loan has been paid in full, and was paid in full in XXXX. We have stopped making payments, and recently I received a letter from them about them possibly foreclosing. I simply do not understand how this company can expect us to continue payment on this loan based on some document that was never signed by my husband and I. By the way, I had asked for a signed copy not only from Real Time Resolutions, but also XXXX. Neither company has a signed copy of this document in their records. Further, not only did I not sign this document with XXXX ; I certainly did NOT sign this document with Real Time Resolutions. Also, we believe the payment history is incorrect. While I no longer have payment receipts or bank statements showing all payments made, I do have my credit reports showing my payments made and nothing past due. They are saying based on the payment history they have that I still owe {$11000.00}. I fail to see how and will produce copies of my credit reports showing payment history. This is the official reporting of the creditors to the credit bureau. If I was so delinquent, I am sure they would report it.

Company response to consumer: Closed with explanation