Resources for resolving common issues with Real Time Resolutions products and services
You can reduce the number of unwanted calls from Real Time Resolutions you get by signing up for the National Do Not Call Registry. It's free. Visit http://donotcall.gov to register your number.
How do I register?
Add your phone number for free by visiting http://donotcall.gov, or calling 1-888-382-1222 from the phone you want to register (TTY: 1-866-290-4236)
If you register online, you will receive a confirmation email from http://donotcall.gov. You must click on the link in the email within 72 hours to complete your registration.
How long does it take?
Your phone number should show up on the Registry the next day. Most sales calls will stop once your number has been on the Registry for 31 days. You can verify that your number is on the Registry by visiting http://donotcall.gov or calling 1-888-382-1222.
Where can I file a complaint about an illegal sales call or a robocall?
To file a complaint, visit http://donotcall.gov, or call 1-888-382-1222 (TTY: 1-866-290-4236).
Will I hear back from the FTC regarding my complaint?
Due to the volume of complaints, the FTC cannot respond directly to every complaint. The FTC and other law enforcement agencies analyze complaints to spot trends and to identify and take action against the people responsible for these illegal calls.
What's a Robocall?
If you answer the phone and hear a recorded message instead of a live person, it's a robocall. You've probably gotten robocalls about candidates running for office, or charities asking for donations. These robocalls are allowed. But if the recording is a sales message and you haven't given your written permission to get calls from the company on the other end, the call is illegal. In addition to the phone calls being illegal, their pitch most likely is a scam.
What Should You Do If You Get a Robocall?
If you get a robocall:
Real Time Resolutions Debt collection disclosure verification of debt not given enough info to verify debt February 2, 2017 - I was involved in a real estate investment over 10 years ago. I lost one property to a foreclosure. There was a 1st and 2nd mortgage on that property. The 1st was taken care of in the foreclosure and the 2nd was sold off to numerous companies. I hired an attorney years ago to try to take care of this account. We continued to ask for proof of the loan which they could never produce. It has now been reporting as a 180 late mortgage only on -. We have disputed this numerous times and asking for proof of the loan. The company is Real Time Resolutions. They have not provided any documented proof... |
Real Time Resolutions Payday loan charged fees or interest i didn't expect charged fees or interest i didn't expect August 9, 2016 - This company is guilty of predatory lending and charge illegal interest rates. I was advised by the original company that this collection agency was not handling their loans, it was fraud and to not pay them.... |
Real Time Resolutions Debt collection false statements or representation impersonated an attorney or official May 13, 2016 - Collection agency is reporting to the credit bureaus as an open mortgage account. This is not an open mortgage account, they purchased a - lien on a foreclosed property over 7 years ago. They are a collection agency and should be reporting as a collection not as an open mortgage account. Also date of last activity with original creditor is well over 7 years. Tried to dispute through the credit bureaus but they still will not fix the problem.... |
Real Time Resolutions Debt collection cont'd attempts collect debt not owed debt is not mine May 11, 2016 - I have told Real Time Resolution that I do not owe the debt due to ID theft and and I sent documentation to - am - and to -. They have refuse to be non biase in this situation... |
Real Time Resolutions Debt collection disclosure verification of debt not given enough info to verify debt May 9, 2016 - In -/-/- I completed a short sale on a property and signed a promissory note. Pursuant to the note I signed I began paying on the debt to - -. -/-/-, Real Time Resolutions attempted to collect on the same debt however I advised I was previously paying on the debt. They subsequently reported me to the credit bureau for a debt I was already paying on. I have filed with the credit bureaus and submitted supported documentation without a satisfactory resolution.... |
Real Time Resolutions Mortgage loan servicing, payments, escrow account May 9, 2016 - We have spoken with several agents of Real Time Resolutions ( RTR ) in regards to the above mentioned mortgage debt being only serviced on behalf of -. ( - ) In response to notices received from RTR dated - -, -, we are requesting that these omissions of RTR having received either Notice of Assignment, Sale or Transfer of servicing rights of the loan to be definitely defined per statutes of Real Estate Settlement Procedures Act ( RESPA ), the Fair Debt collections Act ( FDCPA ), as well as the Fair Credit Reporting Act ( FCRA ) .RTR was served with a Qualified Written Request ( ... |
Real Time Resolutions Mortgage loan servicing, payments, escrow account May 2, 2016 - Thank you in advance for reviewing the concern. My second mortgage was serviced by - ( never delinquent, not in distress, 100 % on time payments ). - 2016 I was notified by - the servicing rights to the - mortgage ( home equity line of credit ) was sold to " Real Time Resolutions ''. I was provided ( as required ) contact information for " Real Time Resolutions '' in the correspondence. The first payment with the new servicer would be for -/-/-. As of - - I had no correspondence from the servicer, I contact RTR who had great difficulty answering any basic questions. I di... |
Real Time Resolutions Mortgage loan modification,collection,foreclosure May 2, 2016 - Real Time solutions continues to report a balance owed to them at -, and - - based upon a 2nd mortgage that was foreclosed on back in 2006. According the Fair Credit Reporting Act, a creditor is only allowed to report inaccurate information on one 's credit report for a period of seven years. However, Real Time Solutions has purposely changed the dates of activity on this account to continue to report it. This is a direct violation of my rights, as outlined in the Fair Credit Reporting Act. ... |
Real Time Resolutions Mortgage loan servicing, payments, escrow account April 23, 2016 - As a result of the financial crisis and housing market fluctuations our home is considered an upside loan. Which means for us that we owe more than what the house is worth. Unfortunately, we fell behind on our loan as a result of a loss of income and illness in our family. Our original mortgage was with - ( - split ), with their demise our loans were transferred to - different banks : - - for - mortgage and - - - for the -. Consequently, we were a victim of predatory lending with the original loan with -.Fortunately, we were approved for the HAMP in -/-/- ... |
Real Time Resolutions Mortgage loan modification,collection,foreclosure April 12, 2016 - We have a short sale essentially completed for this property. Note has not been paid for 7+ years. Judicial foreclosure proceeding is well advanced. Borrower has no assets and is essentially judgment proof and strongly considering bankruptcy and has retained a bk attorney. The first lien has approved $12000.00 for Real Time Resolutions as the second lien holder under the HAFA program, per program guidelines. We are not getting anywhere with the RTR contact person, and need a deficiency waiver and approval letter for the $12000.00. They are refusing to budge off of $40000.00. We do n't ne... |
Real Time Resolutions Payday loan received a loan i didn't apply for received a loan i didn't apply for March 30, 2016 - My name is - - - and I am disputing the accuracy of the information o my - Credit Report. On -/-/-, received a copy of my - Credit Report. The dispute is with REAL TIME RESULTIONS # - ( - - - -, - -, - - -, - ). I do n't recall opening an account with the aforementioned retailer. My Bankruptcy discharged -/-/-. Placed for collections : -/-/- Balance $1900.00 Original Creditor : - ( Retail ) Should you have any questions regarding this matter feel free to contact me at the contact information below. Respectfull... |
Real Time Resolutions Mortgage loan modification,collection,foreclosure March 16, 2016 - I 'm filing a complaint against Real Time Resolutions ( RTR ) for violations to the U.S bankruptcy code 11 U.S.C. 362, which strictly prohibits a collection agency for pursing a debtor for payment on a debt which has been legally discharged. As an attempt to preserve the integrity of my personal finances and correct my financial affairs my consumer debt was discharged on - -, -. During this major financial transition my loan was transferred from - - - ( BAC ) to RTR on -/-/-.The secured creditor must prove the validity of its claim and obtain a court order before taking ... |
Real Time Resolutions Mortgage loan modification,collection,foreclosure March 6, 2016 - I received a - - for $160000.00 from Real Time Resolutions , Inc. ( " RTR '' ) for a foreclosure on a lot in - - Florida I purchased in -. - - - held the interest-only mortgage at the time of the foreclosure in - at which time they issued a - stating the principal balance was $230000.00 and the - of the property was $34000.00. At the time of the purchase -s own appraiser appraised the property for $250000.00 and lent me and a partner $230000.00 ( 95 % ). They then transferred the loan to a - - - spin-off - who sold the loan to RTR who i... |
Real Time Resolutions Mortgage loan servicing, payments, escrow account February 26, 2016 - REAL TIME RESOLUTIONS IS CONTACTING ME ABOUT AN $84000.00 BILL FOR A PROPERTY I DO NOT OWE ... |
Real Time Resolutions Mortgage loan modification,collection,foreclosure December 11, 2015 - I was sold a predatory sub-prime loan in -/-/- by - Loans. I had a 80 % - mortgage and a 20 % - and I put nothing down on the home. After a year I got into trouble with the loans and I was facing foreclosure. With my parents help I was able to stave of foreclosure and I kept making payments on both loans for several more years. Finally I had to file a personal bankruptcy. Both my - and - loans were discharged in my Chapter - bankruptcy in -/-/-. I kept making the payments on the - mortgage to - - - and I am still current. However the second loan was sold... |
Real Time Resolutions Mortgage settlement process and costs November 19, 2015 - -/-/- : Real Time Resolutions- - -- -- - -, CaliforniaZip Code - Re : - - - -, - -, - -, California Account No. : -Dear - - - : This email is in confirmation of the information contained in your facsimile transmission -/-/-, of the unsigned letter from - - - Customer Servicing Department dated -/-/- entitled " Notice of Assignment, Sale or Transfer of Servicing Rights, which in sum and substance states that the servicing rights to the above referenced account representing my second promissory note, in the ap... |
Real Time Resolutions Mortgage loan modification,collection,foreclosure November 13, 2015 - Real Time Resolutions sends a request to all Credit Bureau agencies to update my tradeline and show status as 'included in bankruptcy ' and ERASE the 90day delinquent status on my and my husband 's credit report. However, this only lasts for - cycle and I am forced to make repeated phone calls and letters to get them to correct the status time and time again. ... |
Real Time Resolutions Debt collection disclosure verification of debt not disclosed as an attempt to collect November 4, 2015 - Real Time Resolutions refuses to stop reporting to the Credit Agencies that it is a closed collection account. Every month they report a late payment on an open account, I have tried numerous times to stop this and they refuse. - has even called them with me on the phone to confirm that it is a closed collection account and they then admit that it is a closed collection account. However Real time tells - to send in writing to confirm its a closed account before they will stop. This happens every month. What can I do to stop this false reporting by Real Time Resolution. ... |
Real Time Resolutions Mortgage loan modification,collection,foreclosure November 4, 2015 - On - - 2015 a short sale file - lien holder ( Real Time Resolutions ) submitted the file to the investor ( was told - - - ) for possible approval of the short sale. Since then we have been waiting for their answer. We have been waiting over 2 months. In eight years of negotiating short sales I have never seen an answer take this long. ... |
Real Time Resolutions Mortgage loan servicing, payments, escrow account October 22, 2015 - A credit report was requested and Real Time Resolutions was reporting an account opened and currently past due. I requested several things directly from Real Time after disputing with the bureaus and this was not resolved. I am sending a copy of the letter that was sent to them along with their response. What was requested was not a print screen but complete information. Their response is unacceptable as I 'm sure anyone would agree. ... |
Real Time Resolutions Debt collection disclosure verification of debt not given enough info to verify debt October 21, 2015 - Real Time Solutions is a collections agency. They are not the original creditor to whom the debt was owned. I have disputed their reporting to -, - and now they are reporting expired debt that has passed the 7 year reporting time to -. On -/-/- their reporting of - - for $68000.00 expired. - removed it from my credit report. However on the same date that the date expired, -/-/-, Real time solutions reported it as new debt. - did not check the report and my credit score dropped - point. I had problems before with this company. They do not report credit hist... |
Real Time Resolutions Debt collection taking/threatening an illegal action threatened to sue on too old debt October 12, 2015 - I 'm getting calls and notices stating I owe $2300.00. Recently, I received a free credit report and noticed that Real Time Resolutions Inc.is trying to collect $2300.00 for -. I recently received my credit report and it states Real Time Resolutions Inc. opened a collection on - -. I opened a payday loan with - the amount of $2300.00 on - -, -. I made a payment in the amount of $310.00 on - -, - and on - -, -. I then submitted a complaint - on - -, -. - replied and it was agreed I would make payments in the amount of $200.00 start... |
Real Time Resolutions Debt collection cont'd attempts collect debt not owed debt was discharged in bankruptcy September 18, 2015 - My home foreclosed in - of 2010 with -. - had my ex partner and I sign a $7200.00 promissory note. There were mistakes in it found after the foreclosure. They asked us to sign another promissory note. We declined. BofA never made any attempt to collect the debt for 4 years. My ex partner filed bankruptcy and the debt was not listed even though he double checked with - to be sure. Last year, after four years of the debt not being pursued, - sold the debt to Real Time Solutions, a debt collector. They have been trying to collect the debt from me. I do n't believe it is a valid d... |
Real Time Resolutions Mortgage loan servicing, payments, escrow account September 10, 2015 - Real Time Resolutions is showing a debt on my credit report for a property that was foreclosed on in 2010. I spoke with a lawyer yesterday and they said that the statute of limitations in the state of South Carolina is three years and this debt collector no longer should be affecting my credit score. They should also not be seeking payment. ... |
Real Time Resolutions Mortgage credit decision / underwriting September 6, 2015 - A - in line debt collector has categorized an installment loan ( originated as Exhibit B - Unsecured Promissory Note on the last day of closing a - - - ( - ) short sale of real property, - - -, - - CA -, -/-/- - and that exhibit may really not have signatures nor been notarized at that time ) as a current -/-/- late pay mortgage on my credit reports. This has caused me to not receive approval for completing a mortgage loan-- and - -, and caused denial for me to rent another home - due to 'adverse impact ' on my credit check by - - -... |
Real Time Resolutions Debt collection cont'd attempts collect debt not owed debt was paid July 11, 2015 - Reporting to the Credit Bureau ( - ) that my debt is paid in full, however its 120 plus days late. I 've contacted them - times and they keep telling me that they are reporting it correctly. Yes, it is showing Paid in Full, however they will not change the status which shows it is over 120 days past due. The account has been paid for over a year, but its affecting my credit score on -. This last time I contacted them, they simply sent me a letter that they had already sent me on - -. They did n't even try to correct this issue. I 'm reaching our to you all before I sue in court.... |
Real Time Resolutions Mortgage loan servicing, payments, escrow account July 11, 2015 - I filed bankruptcy on -/-/- and continued to pay both - and - mortgages through the trustee, I was not in arrears when i filed and was never late or missed any of my payments to the - then converted to a - and was discharged on -/-/-.I did not reaffirm either account but did choose to continue making payments.My - mortgage is through real time resolutions in -/-/- one month post discharge they reported me late.Which brings - issues number - this loan was discharged it is a violation of my automatic stay to report past the filing date and certainly past the d... |
Real Time Resolutions Debt collection false statements or representation indicated shouldn't respond to lawsuit July 7, 2015 - I was way pass due on an account and I called Real TIme resolutions. After making payment arragements with them I asked that when would they report my payments to the Credit reporting agencies she said she would not that they did n't do that. I just made my first payment as agreed upon. Then checking my credit report It said I was late. I called Real Time resolutions and the woman said that it was reported late because I did n't make a payment since 2014.and that it would be correct ed when I made all my payment.Well I think there is something with this picture. They are either lying or giving... |
Real Time Resolutions Mortgage loan modification,collection,foreclosure June 23, 2015 - My wife and I signed a mortgage for a house at - - -, - FL in - - in -. The mortgage was adjustable rate, and in -, the payments increased from the original $700.00 to $1100.00, which we could no longer afford, and we stopped making payments. We were foreclosed in -, the house was sold at auction in -, though that sale appears to have been nullified, but in - a collection agency, RealTime Resolutions began sending us collection notices, and continue to do so. We do not feel that we owe RealTime Resolutions anything, we did not sign anything from them and in... |
Real Time Resolutions Debt collection false statements or representation attempted to collect wrong amount June 23, 2015 - I was laid off my job and this account was turned over to a collection company called Real Time Solutions. I received the letter from them in the mail and I called them to make arrangements on the account. I spoke to - - who set up a Hardship Agreement with me to make payments for $150.00 a month for -, -, and - of 2015. I was told to call back and set up more arrangements after those payments were made and I did to find out - was no longer with the company and I spoke with - who offered me a settlement on the account of $1800.00, and to make payments of $150.00 a mo... |
Real Time Resolutions Debt collection disclosure verification of debt right to dispute notice not received June 17, 2015 - - - - approved a short sale on our home in - of 2011. - of the conditions of the approval was that we sign a promissory note for $5000.00 to be paid in installments of $83.00 per month. - was to send a coupon book to make such payments and never did so. I inquired by phone several times and - could find no record of this transaction or the note. The next year after no reminder, bill from them, or anything, they reported as written off as bad dept on our credit report. We served our time with bad credit for that, as well as the shortsale itself. Now 5 years later, we ar... |
Real Time Resolutions Mortgage loan modification,collection,foreclosure June 15, 2015 - My mortgage was foreclosed on in -/-/-. Real Time Resolutions purchased it after. I have been trying to have this entry removed form my report and disputed in in -, -, and -. Real time response was that it would be corrected and removed by -/-/-. To date, it has not When I tried to disputed it again, since they have NOT been at all truthful and lawful since this ordeal began. Their response is that the dispute has been settled. IT HAS NOT. I am requesting to have t his entry taken off off all of my reports immediately. I consulted an attorney and he indicted that because the... |
Real Time Resolutions Debt collection taking/threatening an illegal action attempted to/collected exempt funds June 8, 2015 - This debt is from 2011, a loan from a check cashing company. I became permanently - in 2011 and was laid off not too long after that, When I went into the -, was informed they would not accept cash but illegally debited my bank account and had not given them access for EFT, I was turned over to this same agency and filed a complaint with the FTC and the case against the agency was won and the amount was supposed to been forgiven. Friday I received a phone call on my home phone asking for me, as soon as I answere yes I was told it is a attempt to collect a debt at no time did they identif... |
Real Time Resolutions Debt collection disclosure verification of debt not given enough info to verify debt June 5, 2015 - I recently received a letter dated - -, 2015 from REAL TIME RESOLUTIONS, INC ''. The letter states I owe a debt of $3200.00. The letter states the creditor is - - -. On - -, 2015 I sent a certified letter to REAL TIME RESOLUTIONS, INC informing them I have no loan agreements with - - - and I do not have a loan debt in the amount of $3200.00. I requested any future contact regarding this matter be in writing. A - search reveals both companies are supposedly owned by a man named - - -. I have not had any direct business dealings with this person. ... |
Real Time Resolutions Mortgage settlement process and costs May 21, 2015 - we foreclosed a home with - - - in - we were offered a rem judgement of foreclosure '' and a deed in lieu '' to settle and our lawyer accepted the deal. we were told by BAC the accounts ( - & - mortgages ) were closed and wrote off. we have been contacted by a company called Real Time Resolutions and they have claimed we now owe them a balance for the mortgage amounts that BAC have told us were settled and closed. Real Time Resolutions has now reported on our credit report we are past due, and owe them thousands of dollars. we have - - - telling us the accounts are... |
Real Time Resolutions Mortgage loan modification,collection,foreclosure May 20, 2015 - This was an old debt that I thought was discharged. I am currently behind in my first mortgage and trying to solve this problem. I called and offered to settle this debt for $3000.00 and they said minimum was $6600.00. I said ok and now they say they want $86000.00. I do n't want home to go to foreclosure or me having to file BK. ... |
Real Time Resolutions Debt collection disclosure verification of debt not given enough info to verify debt May 14, 2015 - I purchased a house -/-/-, in -, Georgia. Property address is - - -, Georgia. At the time I purchased the property, I received a - loan with - - -. The 80 % was a conventional loan and the 20 % was an unattached note on the account. The property went into foreclosure and was sold in -/-/-. The 80 % was satisfied, however the 20 % part of the loan was not. The - part of the loan was sold to a debt collector which is known as Real Time Resolution. The debt collector, Real Time resolution has been reporting this as a late mortgage payment every month on my cre... |
Real Time Resolutions Debt collection communication tactics frequent or repeated calls April 8, 2015 - They have a Call Blaster. '' On -/-/15 they called me - times between the MINUTES of - and -. I was speaking to the medicaid office in Ohio and it disconnected me and because of the repeated calls, I could not get back on my call. This is not the only instance of this happening. It has happened several times over the past few months. ... |
Real Time Resolutions Mortgage credit decision / underwriting April 6, 2015 - On or about -, I was made aware, from my credit report, that Realtime Resolutions was reporting that I had a current and delinquent mortgage. I called - Resolutions on or about - and spoke with - - ( a representative ) and expressed to him that this lien / collection was directly tied to - - - - -, CA -. Furthermore, I explained to - - that this property was foreclosed upon on -. I informed - - that they were erroneously reporting this as an active and delinquent upon my credit report. I requested that it be removed immediately. - - asked m... |
Real Time Resolutions Debt collection false statements or representation attempted to collect wrong amount March 19, 2015 - The option I needed under false statements or representation was not available, but to summarize my complaint, real time resolutions is representing themselves as a mortgage company rather than a debt collection agency on my credit reports with - and -. I have a verbal recording that was consented to by them on yesterday -/-/- between - RTR employees, myself, my husband and out financial advisor where they admitted to being a debt collection agency not a mortgage company as they are illegally reporting on my credit report. I have attempted to settle the debt immediately with ... |