Residential Credit Solutions Mortgage Complaint

Residential Credit Solutions Mortgage department,

FHA mortgage Loan modification,collection,foreclosure Georgia

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 -/-/- I went online to - and saw that my loan was to transfer to Residential Credit Solutions by - - and I became a little anxious because I had heard horror stories about loan transfers in the middle of loan modifications. I waited to receive copies of my executed final modification agreement but had not received anything by - -. I did not worry however because I knew next payment per final loan modification papers indicated my next payment was not due until - 2015 despite me not having received the final documents with - signature. On - - I


I already had a copy of a signed and executed agreement from - on a permanent loan modification. These new papers offering me a trial modification also had different terms than my final papers And it indicated I would have to make my first trial payment that would be applied to my -/-/- payment!!!. This was ludicrous since i had been finalized and did not owe for -/-/- anyway!! I immediately called them but was told they no longer serviced my loan because it transferred over to Residential Credit solutions and I would need to handle any concerns with them. I was livid because this was playing out just like all the horror stories I had heard about. I did call Residential Credit solutions only to be told - infomed them I was under a trial modification and that my trial payment for - was due. I told them I have an executed final loan modification signed by - and that i was not entering another trial agreement. Since then they have sent me papers stating my mortgage at the terms it was before the permanent modification with a due date of - -, 2015 and you can only imagine whats next. I am sick and tired of the fraudulent games being played by mortgage servicers and want an attorney to ask for a full accounting of my loan during the entire period it was serviced by - so that I can prove they have received every payment from me and that i am not in default. In the meanwhile it needs to be noted that I have yet to receive any such papers indicating that there has been an error in the terms of the permanent loan modification. I only received new documents inviting me into a trial modification as if i had never entered one! Who does that?? especially after they have executed a final mod and then transfers your loan?!!! Once again this is all by design to - the consumer while they get money from - - for drawing up a modification. Someone also needs to look into whether these - companies are affiliated with one another because this is flat out fraud! Ultimately I want to be vindicated since my records indicate I owed - nothing before they threatened me with forclosure. I had just completed a chap - and somehow they made up i still owed them $13000.00! If this was the case wouldnt they have filed motion to lift automatic stay while i was still in bankruptcy?