Residential Credit Solutions Complaint

Residential Credit Solutions Mortgage department,

Conventional adjustable mortgage (ARM) Loan servicing, payments, escrow account California

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 backdating payments. According to their records, I owed $26.00, - to the Creditor. A review of my loan account showed that effective - -, the service mortgage company adjusted the monthly mortgage payment from $1600.00 to $3100.00. I was nine months past due on payments of $3100.00. The service mortgage company applied my - - payment retroactively to - -. From what I

When I initially complained, the service mortgage company refused to listen and insisted on collecting the full amount, $26000.00 in past due claims including $2000.00 in miscellaneous fees. While demanding payment from me, the service mortgage company filed a Response to The Notice of Final Cure in Bankruptcy Court certifying that my loan account was current. When presented with filing, the service mortgage company removed a substantial portion of the claim and filed a Notice of Mortgage Change, effective - -, -, of $3100.00. The service mortgage company 's transaction history indicates receipt of $3100.00 payment on - -, -. Additionally, service mortgage company transferred the loan to a new mortgage servicer with instruction to me to make all future payments to the new servicers effective - -. I paid the new servicer $3100.00 on - -, -, for the mortgage payment due - -. After that, I received notice from new servicer about an outstanding claim from the old service mortgage company for the - - payment. I filed a dispute with new service mortgage company in response. The new servicer applied my payment to the old servicer 's claim and demanded - and - - payments. The new servicer advised me that the answer to my dispute could take up to 45 days. When making the - payment, I spoke to new servicer 's agent, who acknowledged receipt of my dispute, confirmed mailing address and indicated that a late payment fee did not apply to this payment