Residential Credit Solutions Mortgage Complaint

Residential Credit Solutions Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account California

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 mortgage payment will be posted to the credit agencies. That would be a credit disaster.


The agent told me that while the penalty will be waived, a " transaction fee '' varying between $5.00 and $12.00, charged by - -, will be charged to me. He said that he has no way to waive this charge. My suggestion that this is an RCS problem and therefore they should pay the charge got us nowhere. I ended up paying again for - through their website, paying a $5.00 transaction fee. I still have to see tomorrow whether the payment without the penalty will be credited to my account. RCS is not taking responsibility for their problems. I see no reason for me to try and work around their issues. It cost me $5.00 this time, but I had issues with them in - and in - where my payments were " lost '' in their system for a few days at a time. This is the only servicer I had issues like this with. They need adult supervision before they cause a lot of damage and a lot of work for other people.