Review and analysis of over 345 complaints against Residential Credit Solutions
Residential Credit Solutions consumers have reported over 345 official complaints related to Loan modification,collection,foreclosure. Out of the 345 consumer complaints against Residential Credit Solutions, 24% were disputed by the consumer (i.e. the consumer was not happy with how Residential Credit Solutions responded to their complaint) and 74% were processed in a timely manner. 0% of consumer complaints against Residential Credit Solutions resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 0% resulted in non-monetary compensation.
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Residential Credit Solutions Mortgage loan modification,collection,foreclosure May 19, 2016 - I have emailed before about my situation with Residential Credit Solutions. My loan was discharged in a chapter - and I had questions about how it was handled. I filed a Chapter - but the Trustee changed it to a Chapter - that stated all my debts were discharged. I questioned my mortgage and the Chapter - discharge. After you contacted them, they responded. They sent a letter stating that the reason my loan amount is still the same is because I did not reaffirm it. The documentation that they sent me was incorrect because it stated that my loan was transferred to - - - on ... |
Residential Credit Solutions Mortgage loan modification,collection,foreclosure March 23, 2016 - First, the servicer, RCS, filed a foreclosure action when they had no cause. They claimed I had not made all payments on time, but at trial, I was able to show this was not true. Second, they then claimed that I had not provided all loan modification documents in a timely way. This was a last minute claim, and the plaintiff produced documents at trial that they had not provided during discovery. Their own records, which they hid from me until rebuttal, show that I had not only provided all documents, but that they had used fabricated, outrageous and irrelevant reasons to turn down each of my l... |
Residential Credit Solutions Mortgage loan modification,collection,foreclosure February 28, 2016 - MY LOAN SERVICER improperly denied me a HAMP modification. They did not acknowledge receipt of but did not respond to my - -, - request for escalation. They have refused, in writing, to communicate with me since -/-/-, because I authorized them to talk to my law firm at that time. In - -, I faxed them a letter saying I did not request a cease and desist, and repeated the substance of my - - fax. They remained silent. Finally, on the afternoon of Friday, - -, -, I faxed them the attached letter, which once again lays out the mistakes they made in determining... |
Residential Credit Solutions Mortgage loan modification,collection,foreclosure November 24, 2015 - -/-/-Attention : RCS Inc. Error Resolution/Information Request/Customer RelationsLoan # - : Short Sale Decline AppealDear Sir/Mam, I am formally requesting an appeal in reference to the decline of my Short Sale Application submitted on - -, -. The documents requested by RCS were forwarded in their entirety within the deadlines provided to complete the file. We have a qualified verifiable all cash buyer prepared to proceed. On - -, - RCS violated of the Department of Justice Settlement National Mortgage Servicing Settlements that prohibit lenders from dual tracking for... |
Residential Credit Solutions Mortgage loan modification,collection,foreclosure November 19, 2015 - We have repeatedly requested a reinstatement quote and have attempted to contact our point of contact. Often times, we are unable to reach anyone. When we do, we are told to expect to hear back from them but do not receive any requested information. During the loan modification application process we repeatedly had to submit information and never received a response regarding a trial or loan modification plan. ... |
Residential Credit Solutions Mortgage loan modification,collection,foreclosure November 16, 2015 - I have been trying to get my home sold in a short sale. On - -, the bank came back with a counter offer and said it needed to be accepted by - - or the file would be closed out due to an upcoming sale date in -. The buyers accepted the offer within an hour of the phone call from the bank. My attorney called the bank immediately to let them know it was accepted. The person assigned to my file ( - ) was not available, they spoke with the single point of contact ( - ) who was rude but said she would send a message to - letting her know it was being accepted. She said my at... |
Residential Credit Solutions Mortgage loan modification,collection,foreclosure November 13, 2015 - Residential Credit Solutions in Texas has been trying to foreclose on our mortgage. They have dragged this case through court for 5+ years and have refused us a trial modification. They also refuse to speak to me or my husband regarding our loan or options. They drag it out and drag it out and then tell us that our loan is delinquent for an excessive amount of months which has been out of our control. They also have lost the original note. We have a court date tomorrow and are going to ask for more time to appeal their decision, but do n't know if the judge will allow us more time. Also this... |
Residential Credit Solutions Mortgage loan modification,collection,foreclosure November 12, 2015 - RCS Loan # -Investor - - - - - and - - - - - # -, - -, CA - -/-/- - serviced this loan for - -. A Notice of Default and then a Notice of Trustee sale were filed. The sale date was set for -/-/- at -. - called our clients and told them that they were required to move out of the property prior to the foreclosure auction. Unfortunately, our clients did - they actually left the state ). I am assuming you can guess what happened next .... - cancelled the auction and did not notify our clients. Our clients have believed for the... |
Residential Credit Solutions Mortgage loan modification,collection,foreclosure November 6, 2015 - Residential Credit Solutions Inc who was recently put under Consent Order by the CFPB continues its abusive debt collection activities illegally foreclosing on my property. ... |
Residential Credit Solutions Mortgage loan modification,collection,foreclosure November 4, 2015 - We have been dealing with RCS for the past year to complete a short sale. We did have an open Bankruptcy -/-/- due to financial hardship and to help us with - selling our property. In -/-/- RCS files a motion to release property from the Bankruptcy. According to them it was released, but we were never notified. In -/-/- with had submitted a strong buyer qualified to close on the purchase of - - - in - - California. RCS Bank order the appraisal and reviewed the offer. On -/-/- RCS counter offer at $ -. We then submitted the buyers counter at $ - after... |
Residential Credit Solutions Mortgage loan modification,collection,foreclosure November 4, 2015 - I agreed to a streamlined loan modification with - only to avoid forclosure even though i had previously sent documentation of payments and cancelled checks that showed I owed them nothing after completing a chapter - bankruptcy. I completed the trial modification payments and was sent the final modification agreement to sign and notarize in - 2015. At this time I sent the signed and notarized final loan modification documents in a timely manner along with the 1st payment as requested that was to be posted for the - 2015 payment per -. This was sent in -/-/-. Around -/-/-... |
Residential Credit Solutions Mortgage loan modification,collection,foreclosure October 6, 2015 - The borrower submitted a modification application through counsel on - -, 2015. More than five days have passed and the borrower has not yet received the notice required by - - Section - - b ) ( - ) ( i ) ( B ) stating whether his loss mitigation application is complete or incomplete, and if incomplete, the additional documents and information he must submit to make the loss mitigation application complete. ... |
Residential Credit Solutions Mortgage loan modification,collection,foreclosure September 30, 2015 - Residential Credit Solutions , Inc. acting as the Servicer of this mortgage has failed to meet all of its requirements under - and illegally foreclosed on my personal home by selling it at auction on -/-/2015. The direct violation of - law is based on RCS improperly and unfairly reviewing my loan modification request for relief. i have submitted a complete loan modification direct via fax and have been forced to resubmit the same package several times. In addition RCS denied me help several times and i never got a single person to answer my questions honestly or directly. RCS Mortg... |
Residential Credit Solutions Mortgage loan modification,collection,foreclosure September 30, 2015 - - has totally ignored the - in respect to my loan. My loan is in an ongoing foreclosure case. I qualified for the -, completed the application, sent it to - along with all documentation in 2012. They repeatedly asked for the same documents acting as if they could not find or did not receive '' the documents. Please see the attached documents that were just filed with the - - Florida Courts on this past Monday. I have proof from third party verification of documents being supplied to them, the documents supplied, and my appeal to them when they would claim they had not receiv... |
Residential Credit Solutions Mortgage loan modification,collection,foreclosure September 23, 2015 - I am writing to you in order to complain about a business situation between myself and the company, Residential Credit Solutions. It all started -/-/- when I filed bankruptcy for a house on - - in - Maryland. At the time it was was under the - - - mortgage company. After a period of time, it was then sold to the lending institution, Residential Credit Solutions. They kept calling me to make a choice of which to choose to include : do I want to keep the house, fill out a home loan modification packet, put it up for a short sale or what? This was all really strange, since ... |
Residential Credit Solutions Mortgage loan modification,collection,foreclosure September 22, 2015 - My son, - - - - died on - -, - from - related issues. He had turned - on - -, -. He had purchased a home through the VA and GI Bill in -. He was divorced with - heir a daughter - -. I am seeking your help because I advised RCS of his death and advised them that as executor of his state I was selling the home at - - - - at the request of his daughter. They filed a foreclosure notice in - -. I had my attorney to contact them to provide me with the loan papers. They did not. I went to Congressman - - office to request additio... |
Residential Credit Solutions Mortgage loan modification,collection,foreclosure July 19, 2015 - To Whom This May Concern, This is just a brief summary of my mortgage loan modification experience. I started with a mortgage loan that was originated through - - -. My loan then got transferred to - - -. Back -/-/- I became - and eventually lost the - I had for over eight years. I had fallen behind on my payments and worked diligently on having the home loan modified. After being pre-qualified over the phone for a modification, and sending them all the documentation to back it up, I was assured I had a modification that would reduce my balance and payments. That w... |
Residential Credit Solutions Mortgage loan modification,collection,foreclosure July 7, 2015 - Residential Credit Solutions Inc took over the servicing of our loan from - on -/-/15. They are overwhelming us with mail. We are on the unemployment program which they acknowledge but still send notice threatening us almost daily which i do not think is legal. ... |
Residential Credit Solutions Mortgage loan modification,collection,foreclosure July 7, 2015 - RE : Error in Evaluation of Loan Modification of Loan # - am the homeowner at - - -, - -, NY - and RCS, the loan servicer, has made a patent error in the Loan Mitigation Application request of # - by calculating the wrong monthly gross income as $7000.00. Because of this error RCS has rejected my Loan Mitigation Application. I am writing to rectify the error RCS has made and am appealing the basis of RCS ' decision. It seems that RCS has used outdated income information provided to - - - back on -/-/2014 instead of using my current income. My correct cu... |
Residential Credit Solutions Mortgage loan modification,collection,foreclosure June 23, 2015 - As a result of the financial crisis and diminished household income during that time, my mortgage fell into default in -/-/-. Subsequently, the plaintiff, and alleged owner of my loan, Deutsche Bank National Trust, filed a Mortgage foreclosure action in -/-/-(See exhibit -). After researching numerous programs for assistance, I filled out an application with the - Help Program which executes the Federal Hardest Hit Fund for our area. This application was initiated in -/-/- (see exhibit -). As I'm sure you are aware, the Federal Hardest Hit Fund, along with most other as... |
Residential Credit Solutions Mortgage loan modification,collection,foreclosure June 18, 2015 - RCS the service provider rejected my Loan Modification Request on the basis that I did not provide them with documents in time. I disagree with them and am now resubmitting a brand new application. To ensure that MHA guidelines are followed, I am submitting a copy of my Loan Modification Request to CFPB. Thanks ... |
Residential Credit Solutions Mortgage loan modification,collection,foreclosure June 16, 2015 - I HAVE A FORECLOSURE SALE SCHEDULED FOR -/-/2015. I HAVE APPLIED FOR MORTGAGE ASSISTANCE, BUT BECAUSE OF SLOPPY AND INCOMPETENT PROCESSING OF MY REQUEST FOR ASSISTANCE I WAS DENIED. I DISCLOSED ALL MY INCOME INCLUDING RENTAL INCOME AND TRUST INCOME. THE RENTAL AND TRUST INCOME WAS NOT CONSIDERED IN THE UNDERWRITING DECISION. THIS INCOME WAS IGNORED AND I WAS DENIED. I WAS TOLD THAT DESPITE THE FACT THAT I FULLY DISCLOSED ALL MY INCOME I WOULD NEED TO RE-APPLY FOR THEM TO CONSIDER ALL MY INCOME WHICH WOULD INCLUDE THE RENTAL AND TRUST INCOME. IN ADDITION, I HAVE NOT RECEIVED A WRITTEN DEC... |
Residential Credit Solutions Mortgage loan modification,collection,foreclosure June 14, 2015 - In -/-/- until -/-/-, I was - active duty -. My wife and I had an existing mortgage with - during this period. Due to the financial impact my deployment, we discovered that we were no longer able to afford the payments and approached - for a loan modification. Over the course of the next 2 years, we were strung along by - until they sold the mortgage to Residential Credit Solutions (RCS) who then told us that they were working with us on the loan modification. In reality, RCS has increased our payments and, as we have come to recently find out, has initiated the fo... |
Residential Credit Solutions Mortgage loan modification,collection,foreclosure June 3, 2015 - In - 2015 my mortgage company RCS requested to lift the bankruptcy protection that I have on my home and allow the foreclosure process to begin. They informed my attorney that I was - months in arrears. It was determined that they had placed - payments in a suspense status and had never applied the payments to my mortgage. I was forced to present them with proof that these payments had be deducted from my bank account which they have on record. This also meant that the year end - calculation was incorrect. the year end - reported that I paid - interest. The corrected amount w... |
Residential Credit Solutions Mortgage loan modification,collection,foreclosure May 15, 2015 - My husband lost his job in - 2013. I called RCS that night and explained the situation. They told me they could n't help me until I fell - months behind. Unfortunately we did fall that far behind. I started the making home affordable paperwork. I handed all info into them and every week they state they are missing page - of - or they cant read the bottom of page -. I keep faxing every week. I call them on Monday and fax what they need the next day. By Friday they tell me they need more papers. We met at mediation and their lawyer signed off saying they have all paperwork. - w... |
Residential Credit Solutions Mortgage loan modification,collection,foreclosure May 15, 2015 - This issue has been going on too long and has totally destroyed my credit and financial status. I have contacted the FTC who forwarded my letter to the CFPB and nothing is being done to correct my credit reports. I ca n't get any credit or loans due to the fraudulent reporting of the Residential Credit Solutions and improper investigation by the credit reporting agencies. Short of filing a lawsuit my next step is to contact my state senator. With all the damage done to me the foreclosure in 2012 should be be completely expunged from my records. I 'm not waiting any longer to take further actio... |
Residential Credit Solutions Mortgage loan modification,collection,foreclosure May 6, 2015 - I have made several requests for copies of all valuations as the loan servicer is required to provide copies. The loan servicer has ignored all requests. The creditor is required to provide copies of appraisals, as well as other written valuations, developed in connection with the loss mitigation transaction [ 12 CFR 1002.14 ( a ) ( 1 ) ] within three business days. Under the Real Estate Settlement Procedures Act ( Title 12 US Code of Federal Regulations 1024.36 also known as Regulation - ) and the Equal Credit Opportunity Act ( 12 CFR 202 also known as Regulation B ), Valuations Rule ( effect... |
Residential Credit Solutions Mortgage loan modification,collection,foreclosure April 30, 2015 - This complaint is being filed against RESIDENTIAL CREDIT SOLUTIONS ( Lender/Investor/Servicer '' ) on behalf of - - ( Borrower '' ). This complaint is being filed due to violations to the HAMP guidelines concerning the lack of procedures on the bank 's operations. A complete file with all supporting documentation was faxed on -/-/-. On a follow up call on -/-/2015 we were informed because of income. There is no possible way that in less than one week the file was uploaded and reviewed. The denial is arbitrary and predatory but with - it is business as ussual. All we ask f... |
Residential Credit Solutions Mortgage loan modification,collection,foreclosure April 23, 2015 - this file has been full of irregularities starting with lender stating that husband does not live at the property we are trying to modify lender is basing on credit they obtain not taking in consideration all evidences that we have submitted such as our own credit report showing primary residence, paystubs, bank statements, credit card statements and by lender taking months to review it makes it more difficult for our modification to be approved the latest denial letter shows that it is not difficult for lender to approve modification after we make our own calculation and addressed the lender ... |
Residential Credit Solutions Mortgage loan modification,collection,foreclosure April 9, 2015 - I had been trying to get a loan modification for a year with Residential Credit Solutions with the assistance of - -.One month before my case went into foreclosure - - called RCS to check status on the process and she was informed the file was in review for a loan modification. Two weeks before they foreclosed on my property, they asked for my income tax returns. They asked me to go to the IRS to get a tax transcript and get that along with a last pay stub. - - called two days later to verify reciept of the transcript and to see if they needed anything for the package, the re... |