Resources for resolving common issues with Residential Credit Solutions products and services
You can reduce the number of unwanted calls from Residential Credit Solutions 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:
Residential Credit Solutions Mortgage credit decision / underwriting May 20, 2016 - Residential Credit Solutions ( RCS ) is not reporting my payment history correctly with the credit bureaus. My loan was transferred from - - - in - -, RCS did not send modification paperwork until -/-/-. The following are the lates showing on file from - - - - - : -, -, -, -, -, -, -, -, -, -, -, -, -, - days during the modification, when they would not allow me to make a payment during this process, so technically there should be no lates on file with RCS. Please review the way this is reporting as it makes no sense... |
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 settlement process and costs April 7, 2016 - Residential Credit Solutions has reported to all credit bureaus that I was 180 days late on all payments from - - to - -. This account was protected under bankruptcy, and I was repaying as scheduled. The loan has since been paid completely off. RCS should be required to clear these late payment marks off my credit report to all credit bureaus. ... |
Residential Credit Solutions Mortgage loan servicing, payments, escrow account March 29, 2016 - The check my bank sent for the regular - payment using - - - - on -/-/- was not cashed, and the mortgage payment showed on the RCS website as past due. I noticed and called them around -/-/-. I was told that they had problems with the mail this month, not to worry, many customers were in my situation, and the late fee will be waived for all their customers. I called again around -/-/-, and was assured again that all is well. on -/-/- the payment was still not posted yet. I called RCS again because I was worried that a 30 day delay in mortga... |
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 credit decision / underwriting March 16, 2016 - I had a mortgage with Residential Credit Services, the loan was forclosed in - 2010. The home was vacated and returned to the bank. Since that time, I have submitted more than 5 requests to correct the credit file report to -. RCS will not update the account status and continues to show the account as open with a balance owing of $110000.00. The same report to - indicates a closed account with a - balance owing ... ... |
Residential Credit Solutions Mortgage loan servicing, payments, escrow account March 15, 2016 - Failure by Residential Credit Solutions ( RCS ) to apply an accepted payment to principal, interest, escrow, or other charges under the terms of the mortgage loan and applicable law ( - - - ( - ) ( - ) ) On - - -, we received a Final Escrow Account Disclosure Statement ( Short Year History Statement ) for the reporting period - - through - -. The Final Escrow Account Statement was dated - - -. The Final Escrow Disclosure Statement does not reflect our scheduled - -, - payment that was accepted and deposited by RCS on - - -. This ... |
Residential Credit Solutions Mortgage loan servicing, payments, escrow account March 12, 2016 - My loan was serviced by Residential Credit Solutions. I tried to work with them, including having the city foreclosure prevention office contact them while I was in the office. The city 's representative spoke to the same person I dealt with, and offered a $10000.00 good faith payment with the request to help me modify my loan. The woman flat-out refused, and when I called her shortly afterward, she first denied having spoken to anyone, then said she had spoken to someone, but that no offer of money had been made ( I was sitting next to the man when he called her ; I did n't tell her that ).... |
Residential Credit Solutions Mortgage loan servicing, payments, escrow account March 1, 2016 - This is not directed specifically at Residential Credit Solutions ( RCS ), - -, Texas, rather the regulations as outlined in RESPA and the spirit behind the mortgage transfer rules. My loan has been transferred to -. RCS sent a letter dated -/-/-. The letter arrived at my residence on -/-/-. The transfer to - was effective on -/-/-. The notification by RCS of my transfer arrived just 9 calendar days ( not work days ) before the transfer. In the response that I received from RCS, they claimed that the letter was mailed on -/-/- and that they are not accountab... |
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 servicing, payments, escrow account February 27, 2016 - I am filing a complaint against Residential Credit Solutions , Inc. ( RCS ) for three actions related to my loan. First and foremost RCS withheld $630.00 of my money that I had paid into my escrow account when they transferred my loan to a new servicing company ( - - - - -, hereafter - ). Second, after RCS sent me a transfer letter and - sent me a statement for my - payment, RCS sent me a - mortgage statement. Thus, I am being billed twice in one month by - companies for the same mortgage. Third, RCS instituted an improper increase in my escrow payment that occu... |
Residential Credit Solutions Mortgage loan servicing, payments, escrow account February 16, 2016 - Complaint : Mortgage Servicers I find it necessary to file this dispute with your agency to protect my home mortgage from further abusive financial practices. My Chapter - Bankruptcy Case was discharged, effective - -. In - -, under the plan, I made my final payment to the Bankruptcy Trustee, to pay the mortgage and after that paid the creditors mortgage service company. I paid the Creditor $3100.00 ( Without Notice of Mortgage Change ) in -. I paid $1600.00 in - upon recognizing a notice of mortgage change was not filed and that the service mortgage company was ba... |
Residential Credit Solutions Mortgage loan servicing, payments, escrow account December 9, 2015 - ( Pt - from Case number : - ) I was informed the $10000.00 payment agreed to on - 2015 was still good. It should have never gotten to this point. The female mentioned the actual price keyed in the system was $10000.00. The manager never mentioned " - '' when discussing the ridiculous repayment plan with me. I asked, what would have happened if I had only mailed in the $10000.00. I was told it would not have been accepted. A $10000.00 payment to reinstate the loan would have been denied for -? What is the purpose of the manager leaving that out? To further put me into the... |
Residential Credit Solutions Mortgage loan servicing, payments, escrow account December 6, 2015 - ( Entire letter will be mailed to the -. - address ) : Issues : increased payments, making payments, loan modification, forced into foreclosureI am being forced into foreclosure by RCS. There has been absolutely no assistance or help whatsoever. There has been plenty of hindrance from RCS. My first intro to RCS - under a different loan number - coming from - - - - my mortgage payments were under $1800.00. It seemed as if almost every two - three months I was making a different payment amount to my mortgage. I fell behind one month in my mortgage. Every time I tried making a pa... |
Residential Credit Solutions Mortgage loan servicing, payments, escrow account December 3, 2015 - On - - 2015, I found my property at ( RCS Account number xxxxxxxxxx ) listed on - for sale. I contacted RCS mortgage Inc on - - 2015 to find out why the home was listed and the representative confirmed that my home was not listed by RCS and he had no knowledge of that action and the listing agent may have independently taken that action. On - - 2015, I contacted the listing agent to remove that property from the website and or all sites that it is listed on because that home is not for sale. The listing agent stated that she was directed by - - - to list the home ... |
Residential Credit Solutions Mortgage loan servicing, payments, escrow account December 3, 2015 - I got a letter from RCS on the -/-/2015. - what their service did was n't fraud, but identity theft. I have file a complaint with the attorney general of texas. The lady at the attorney general office. stated to me, that I needed to file for identity theft not fraud. She also stated that I need to forget about getting my money back, she said that 's gone. I know she would n't like it if some one are these companies cheat her out of your her money. Yes! '' I did send the attorney general of texas. The contracts and the release form. Yes '' - - and RCS committed fraud. Not one of ... |
Residential Credit Solutions Mortgage credit decision / underwriting November 27, 2015 - To whom it may concern : My name is - - and I was the owner of a foreclosed property located at - -, - -, CA -. I 've filed numerous complaints with CFPB on my servicer, Residential Credit Solutions , Inc . I am writing to you because I need your help. My servicer, Residential Credit Solutions , Inc ( RCS ) foreclosed on my property illegally. I was in process of a loan modification that was UNDER REVIEW on -/-/2015 after the property sold on -/-/2015. I have tried to get a loan modification numerous times with no success and they finally reviewed my completed ... |
Residential Credit Solutions Debt collection cont'd attempts collect debt not owed debt is not mine November 25, 2015 - -/-/- I received a letter titled " Notice of Default and Intent to Accelerate '' from Residential Credit Solutions , Inc . I disputed the alleged debt and demanded validation of it - -, 2015 and Residential Credit Solutions - Inc. received it -/-/-. I have since sent - additional disputes and demands for validation in response to their communications attempting to collect a debt. To date, I have not received a single document from it establishing that I owe it or the entity it claims is the investor nor has it provided any documents confirming that the entity it claim... |
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 settlement process and costs November 24, 2015 - Had a bathtub flood at home. Insurance paid out - but held by RCS until they could approve/prove work done. THEIR CONTRACTED INSPECTORS HAVE NEVER CALLED TO SET UP CHECK OF WORK! ca n't continue/finish work until they do without losing my insurance payout. ... |
Residential Credit Solutions Mortgage application, originator, mortgage broker November 19, 2015 - Please refer to my Memo and Videos attached. A brief background - I found out -/-/- that - employee - I do not know who - placed me in a contract with a non-existent lender - - a New York Corporation as of -/-/-. An inside employee at - sent me further information concerning fact that someone was financially benefitting from my monthly payments and that my loan application was changed after I signed it i.e. increased my checking account balance to meet the guidelines to fund the transaction. I know this is identity theft. I have been asking the debt collectors - - -... |
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 Debt collection cont'd attempts collect debt not owed debt is not mine November 18, 2015 - I received a communication dated -/-/- from Residential Credit Solutions , Inc. ( hereinafter " RCS '' ) attempting to collect a debt. I received the letter -/-/-. I sent it a demand for validation and notice of dispute -/-/-. RCS received it -/-/-. On -/-/- I received a communication dated -/-/- from - - of the Loss Mitigation Team at RCS. The letter is another attempt to collect a debt that RCS claims I owe, was delinquent when it acquired the right to collect it, and offers options to avoid foreclosure. RCS has failed to provide validation of the de... |
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 servicing, payments, escrow account November 12, 2015 - After many months, we were finally able to reach an affordable loan modification with -. But soon after that, - grossly miscalculated our escrow - they charged us $1200.00 per month for insurance instead of the correct amount of $1200.00 per year. Despite repeated efforts on our part, they would not fix the problem, they stopped crediting our payments correctly, and they put us into default. Instead of fixing the problem, they sold our account to RCS, which is now foreclosing on us because of - malfeasance. ... |
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 settlement process and costs November 10, 2015 - Your service help me to get the contract from Residential credit solutions in ... |
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 servicing, payments, escrow account November 5, 2015 - My home in Colorado was damaged by hail in -, 2014. The insurance company sent me several checks to cover the damage. All of the checks had as a payee the mortgage company, Residential Credit Solutions ( actually, they are servicing the loan ). I endorsed all of the checks, and then sent them to RCS as they requested. RCS is now holding the money in my escrow account, and will not release it to me. The amount of my money which they are withholding from me is $22000.00. I have made several requests to RCS that they send me my money, but I am just getting the royal run around. You should k... |
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 servicing, payments, escrow account October 31, 2015 - We have faxed our insurance information to the mortgage company twice. They continue to claim they have not received the information and threaten to buy insurance for us. ... |
Residential Credit Solutions Mortgage loan servicing, payments, escrow account October 24, 2015 - Residential Credit Solutions placed my VA Home Loan account into bankruptcy status although I have not recently filed bankruptcy. I called and emailed them after receiving their letter notifying them that they made a mistake and I sent proof but they refuse to remove the active bankruptcy status from my account. Please, someone make them stop this. They stopped my automatic bank draft and refuse to accept a mortgage payment ; says I must submit payment to their Bankruptcy Department knowing that I am not in bankruptcy. ... |
Residential Credit Solutions Mortgage loan servicing, payments, escrow account October 20, 2015 - In - 2013, Residential Credit Solutions took over my mortgage from -. I set up an automatic monthly withdrawal to make the minimum payments and I mail them a check when I have extra money to put to the principal of the loan. My problem is that every time that I mail this company a check, they do not put the full amount to the principle as I direct them in an enclosed letter and on the remittance slip. In one case, they even turned off my monthly automatic payment without informing me. They have lost checks that I have sent them. They never return my telephone calls or e-mails. I have eve... |
Residential Credit Solutions Mortgage loan servicing, payments, escrow account October 16, 2015 - After having an emergency surgery over the summer I fell behind a house payment. I contacted the holder of the account ( - - - ) and worked with the very helpful and friendly people there to get on a repayment plan to get me caught up and current on the loan by - - 2016. This helped tremendously, but what they did was sell my loan to Residential Credit Solutions ( RCS ). I was sent a letter stating that all payments after the - of - would have to be made to RCS. Now it is the - and RCS is unable to locate my information and - - - can not help me as they have al... |
Residential Credit Solutions Payday loan charged fees or interest i didn't expect October 14, 2015 - Almost 18 months ago, my loan was purchased by Residential Credit Solutions. At the time, my mortgage payment was -. Roughly four months after RCS had my loan, my payment increased to - for escrow purposes ''. I spoke with my town about a rise in taxes, that did n't happen, and my insurance for the year had already been paid. RCS claimed that I had to be charged but never truly explained why. I kept up with my payments monthly until -. As a single mother of - and a home owner, unexpected financial expenses came up and had to be taken care of. So, I sent my payment in - and RCS ... |
Residential Credit Solutions Mortgage loan servicing, payments, escrow account October 8, 2015 - Our mortgage servicing company based in Texas called Residential Credit Solution is NOT offering us an option to communicate with them electronically to resolve an issue with slamming. Despite the fact that we are paying for property insurance, they are adding the amount to our mortgage balance. Their customer service front-line folks are unable to provide the source of the escrow funds and only provide the balance. They wants us to chase their escrow folks. It appears they are on commission and only care about collection. ... |
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 servicing, payments, escrow account October 1, 2015 - I have been making an extra principal payment to my mortgage company - Residential Credit Solutions - on the - of every month, clearly marked apply to principal only. '' I just realized that it is n't getting applied to my principal until they receive my next regular monthly payment at the end of each month. They note the additional payment as miscellaneous '' on my account detail but DO NOT reduce my mortgage balance until they apply it with my regular monthly payment. This means that for basically two weeks the money I have sent to reduce my principal is just sitting there. Can they do ... |
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 settlement process and costs September 28, 2015 - We have been working through a short sale since late - and just found out TODAY that the seller has - loans ( the seller 's realtor has been horrible communicating with us ). The seller has short sale approval and we already went through negotiation with the bank. We were told we would close on or before - and sold our house with a closing date right after that. We are now 3 weeks from when we are supposed to close and just heard that - - - approved the short sale, but now we are still waiting on Residential Credit Solutions. We need the approval letters ( now 10 weeks later ... |
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 servicing, payments, escrow account July 18, 2015 - My mortgage was transfered to Residential Credit Solutions , Inc effective - 2015. I did not receive a new account number and payment information from the servicing company until mid -. Since then I have made payment as required monthly, however, residential credit solutions inc has not been applying my payments since - to date to my mortgage. Instead, they are charging me late fee monthly and reported the account as past due on my credit report. Every attempt to straighten out my account has failed. I was promised several times that they will apply my payments but nothing has happene... |
Residential Credit Solutions Mortgage loan servicing, payments, escrow account July 8, 2015 - My mortgage was recently sold to Residential Credit Services ( RCS ). My current interest rate is 2 %, but RCS has been charging me 3 %. I am going on week - of trying to get it changed, they have acknowledged the error, but it is still at 3 %. I am getting ready to sell my home and need this corrected and the incorrect amount that has been applied to interest needs to be applied to my principal balance. I also have never received any buyer/owner incentive that my HAMP modification indicated I would be receiving ( $83.00 per month or $1000.00 per year ). I am approaching my - year in... |
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 servicing, payments, escrow account June 24, 2015 - I Have been requesting a loan payoff or Satisfaction of Mortgage from Both RCS ( Residential Credit Solutions , Inc. ) my last known Servicer and - the previous Servicer since - 2014. As per Florida Statue - a loan payoff must be provided within 14 days of the written request. All I have obtained from both of these lenders is a run around each pointing finger at the other. It is ridiculous that the CFPB that was created to protect the public from these Lenders not following the law will not help me. They have ignored all requests and continue with the run around. See most recent respo... |
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 servicing, payments, escrow account June 14, 2015 - have pending foreclosure in court for - years due to false presumption of servicer - to breach HAMP gov program to which i have been qualified in first place. After denial I have served TILA resscision notice on base of numerous TILA RESPA violations in original contract. After all there is - servicer pretending to have right to resided contract and keep accruing fees and payments which make my mortgage absolutely not fordable and in fact I have been defrauded of opportunity to keep my property on HAMP gov program. ... |
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 servicing, payments, escrow account June 12, 2015 - Although the company received a federal wire from the title company on the - of -, they did not post the payment until the -, charging me for an extra day of interest. Refuses to credit back this overcharge. ... |
Residential Credit Solutions Mortgage loan servicing, payments, escrow account June 3, 2015 - - ) deducted approx. $150.00 in excess of the am't to which I had agreed, - WITHOUT ANY NOTICE, oral or written to me. - is - ( at least ) lender in line. - ( Complainant ) has never had any lapse in casualty insurance, or tax, provision ( s ) for the entire life of the loan! - has taken a chge of $270.00 owed '' for alleged failure to maintain hazard ins on said prop'ty [ defined as - - personal residence - has provided only dunning letters, giving NO information. - that - is specifically attacking - on the basis of 1 ) - and2 ) - Plaintiff in # -... |
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 servicing, payments, escrow account May 28, 2015 - Residential Credit Solutions - RCS - failed to pay my homeowner 's insurance out of escrow last year. The due date for the insurance premium payment was -/-/14, they did not pay until the end of -. Because of this, for approximately - months last year, I did not have coverage on my residence. I had to go through an insurance reinstatement process after RCS finally paid the premium. The same issue happened this year. The insurance premium was due on -/-/15. As of today - -/-/15 -, the premium has still not been paid even though I pay into escrow for this. I h... |