Residential Credit Solutions Mortgage Complaint

Residential Credit Solutions Mortgage department,

Conventional adjustable mortgage (ARM) Loan modification,collection,foreclosure Pennsylvania

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 would be $11000.00, since I was in an interest only loan for the last - years. After the payments were applied, I verbally requested the corrected - the last week of - 2015. They repeatedly offered the same incorrect - even after my payments were posted to my mortgage and proof was provided. On - -, 2015 I was told that the escrow department was responsible for creating the correct -. On - -, 2015 I spoke to - in the escrow department who stated he would request the corrected - and that it


still no correction. I contacted RCS on - -, 2015 and was told that the corrected - would not be prepared until I present the request in writing. I submitted the request in writing. Confirmed receipt of the document on -/-/15. I than told the legal department is reviewing my request and if approved it would take another - days. Please help me. They have deliberately prepared a fraudulent -. I truly believe it was deliberate tactic because they timed the missing payments, to justify foreclosure and the reduced interest on the - so that I would have no means to bring the mortgage current. If I were an illiterate person who will quit at the sight of a struggle they just may have me and my son on the street right now. Who knows how many more this attorney has done this to!. Also RCS deliberately placed my payments on hold to allow them to force my mortgage into foreclosure.They are also attempting to discredit my work history by inferring that I have not worked for every thing that I have. It - my stomach to think that some antiquated - can not digest the fact that I worked all of my life, every chance that I could to have what I have just like my parents did. And I believe this legal department has deliberately hindered any chances that I had to get the mortgage modification because of these inferences. Did they really present my request for a mortgage modification to the owners of my mortgage. They have charges for legal fees for foreclosure when in fact the foreclosure was a tactic and was never legitimized. I have told them repeatedly that my income tax will allow me to bring my mortgage current. Each time that I call they become more hostal, avoid straight answers and pass my call from department to department. I also have determined that the attorney representing them is right here in - Delaware and is a part of a some form of supremacy group who wants to force my my son and I out of our home of - years. I feel so victimized.