Rushmore Loan Management Services LLC

Dear [redacted]:Rushmore Loan Management Services LLC (Rushmore) is writing in response to your complaint file withthe Revdex.com (Revdex.com) on October 9, 2015, regarding the mortgage loan account referencedabove. Please note, Rushmore is the servicer of your Loan and the owner of your...

Loan is [redacted].We have conducted an investigation and corrected the error asserted within the received correspondence.During our investigation we discovered there was a misapplication of funds with the September payment.Please note that we submitted an update on October 15, 2015, to the main credit repository agencies toreflect the month of September 2011 as current. Please allow 30 days for the credit bureaus to update youraccount with them.Rushmore strives to provide exceptional customer service and we apologize if you have received anythingless. As of the date of this correspondence, the account is contractually due for the October 1, 2015monthly installment. Should you have any questions or concerns regarding the account, please call:Single Point of ContactName: [redacted]Direct Number: [redacted]At Rushmore, customer concerns are important to us. Should you have any general questions other thanthose referenced in your correspondence, please contact:Customer Service DepartmentMonday through Thursday, 8:00 a.m. to 8:00 p.m. PacificFriday, 8:00 a.m. to 6:00 p.m. PacificSaturday, 8:00 a.m. to 2:00 p.m. PacificToll-free number: 1.888.888.8888

Dear [redacted] G. [redacted]:Rushmore Loan Management Services LLC ("Rushmore”) is responding to your correspondence submitted to the Revdex.com (Revdex.com) on April 15, 2017, and another submitted through the Consumer Financial Protection Bureau (“CFPB”) website portal on April 20, 2017,...

regarding the mortgage loan account referenced above. Please note that Rushmore is the servicer of the loan and that the owner of the loan is [redacted] Loan Mortgage Corporation. The servicing responsibilities for the loan transferred from [redacted] Mortgage to Rushmore effective October 17, 2016. We appreciate the opportunity to provide you with this written response.On December 9, 2017, Rushmore sent you a letter which confirmed that Rushmore had been notified of property damage and described our repair monitoring process. We listed the required documents that you would need to provide and sent you a Conditional Waiver of Lien and an Affidavit that needed to be signed, notarized and returned to us. We also reviewed our process with you during a phone call on that same day.On February 27, 2017, Rushmore called and left a message requesting a return call. Rushmore did not receive a return call. However, on March 9, 2017, Rushmore received a claim check in the amount of $20,558.22 and another claim check in the amount of $1,306.09. Both were endorsed, and Rushmore deposited the checks into your loss draft account. We also received the requested documents. Rushmore called and confirmed receipt of the checks and the documents. Because you had multiple contractors, you provided us with specifics on how the first draw should be disbursed. Rushmore sent the checks to you via Federal Express on March 14, 2017.On March 15, 2017, we received a call from you asking when the inspection needed to be performed. We advised you that once the repairs were 50% completed, you would need to call us in order for us to order the inspection.On April 5, 2017, Rushmore received an e-mail from you stating that you were ready for the first inspection. We ordered the inspection and listed you as the contact. On April 18, 2017, Rushmore received a call from you stating that you had not been contacted by the inspector yet. Rushmore called you back and provided the inspector's information. We are pending the results of the inspection.Should you have any additional questions, please do nothesitate to contact us.Customer Service Department Monday through Thursday, 6:00 a.m. to 7:00 p.m. Pacific Friday, 6:00 a.m. to 6:00 p.m. Pacific Toll-free number ###-###-####Sincerely,Customer Correspondence Department Rushmore Loan Management Services LLC

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and am disappointed in the diligence with which even the Revdex.com complaint has received.  For your reference, details of the offer I reviewed appear below.The facts stated by Rushmore are inaccurate.  On the August 1st conversation, the associate confirmed that payment was receive 7/29 and not 'over the weekend'.  My address was changed(to a temporary address which I resided through 9/2 and continue to have access as necessary) on 8/1 and confirmed again on the 8/23 phone call.  These could both be verified if Rushmore had taken the time to review the recorded calls.They present that they received 'unable to forward' responses, the last date being 8/24 and never attempted to reach me by phone or email even though, by confirmation on the call 9/10, they had both of these documented accurately.  On the same phone call from 9/10, I changed the address to my now permanent address.  Again, had Rushmore even attempted to understand the issue via the recordings,  would have been in a position to improve communication and resolution.The bottom line;they should not have processed the withdrawal 8/1, they should have been able to process a refund immediately versus the ridiculous process of me requesting to have my own money back, they should have contacted me when they received the 'unable to forward' and should have taken care to represent themselves better as part of the resolution.  I've had to incur interest as part of not having my funds prior to 9/1 and this is a company that benefitted from 10 year of on time payments.  Nice to know that a company appreciates your business.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[Rushmore simply restated what was said in the previous response. The lien has still not been released as of 8/1/2017 and has been rejected twice since. Can Rushmore please contact the vendor they use in Burlington county NJ and have them send the correct documentation and fees to ensure this is done. Their response is inaccurate the it is not the county that is hold this up it is the vendor that Rushmore is using. I am simply asking that Rushmore take ownership of this since they chose the vendor. Please contact the vendor and ensure they are correctly filing the documents. If Rushmore is not sure I can send what is needed although I spoke with [redacted] on several occasions and sent a list of what was needed. I will be than happy to send the info again. Just to be clear The county is not the issue Rushmore is responsible for having the release recorded so if the vendor they hire is not competent it is Rushmore's issue. Please correct this and in future responses please be truthful and accurate. ]
Regards,
[redacted]

Dear [redacted] R. [redacted]:
Rushmore Loan Management Services LLC (“Rushmore”) is
responding to your rebbutal submitted to the Revdex.com (Revdex.com) portal
on January 28th, 2016, regarding the mortgage loan account
referenced above.
 In order to better assist you, please contact us by phone or by mail and let us know how we can help you.  We are more that happy to assist you to resolve this matter to his satisfaction.
At Rushmore, customer concerns are important to us.  Please contact our Customer Service Department from Monday through Thursday, 6:00 a.m. to 7:00
p.m. Pacific and Friday, 6:00 a.m. to 6:00 p.m. Pacific at our toll-free number 1.888.504.6700
Sincerely,  [redacted]
Compliance

Dear [redacted]:  
 
Rushmore Loan
Management Services LLC (“Rushmore”) is in receipt of complaint submitted to
the Revdex.com (Revdex.com) on March 31st, 2016, regarding the
mortgage loan account referenced above.
 
Rushmore has
determined that your correspondence is a Duplicative Notification of Error
and/or Request for Information.  We made
this determination because your current correspondence is substantially the
same as your previous correspondence, which Rushmore received on March 22nd,
2016, and it does not contain new and material information.  Rushmore complied with our obligation to
respond to this matter with our previous correspondence to you, which was sent
on March 31st, 2016.
 
Attached, for
your reference, is a copy of our previous response.
 
 
Sincerely,

















[redacted]
[redacted]
Compliance
Rushmore Loan Management Services LLC

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
 
Regards,
[redacted]

Dear [redacted] L [redacted]:
Rushmore Loan Management Services LLC (“Rushmore”) is responding to your rebuttal
correspondence submitted to the Revdex.com (Revdex.com) on August 17, 2017, regarding
the mortgage loan account referenced above.
Rushmore endorsed and release the loss draft check within ten days of receipt. The process was
completed in an expeditious manner.
On July 7 2017, the loss draft department updated our system of record to reflect that your area
code was 703. This was determined to be incorrect and, as stated in our previous response,
Rushmore corrected the area code to [redacted] on the phone number listed in our system on August 8,
2017. Rushmore made one call to you regarding payment on August 10, 2017, since the update
was completed. Prior to that call, Rushmore has not spoken to you via phone regarding payment
since June 6, 2017.
Per the terms of your note, which has been enclosed for your review, all payments are due on the
first day of the month. Although you have fifteen days to make the payment without receiving a
late charge penalty, you are considered late on the second day of the month and Rushmore
reserves the right to contact you regarding your payment as early as the second day of each
month.
Rushmore has acted in a prompt, courteous and professional manner when speaking to you
verbally, or via written correspondence, and will continue to do so. As of the date of this correspondence, the account is current, and the next contractual monthly
installment is due on September 1, 2017. Should you have any additional questions, please do
not hesitate to contact us.
Customer Service Department
Monday through Thursday, 6:00 a.m. to 7:00 p.m. Pacific
Friday, 6:00 a.m. to 6:00 p.m. Pacific
Toll-free number [redacted]
Sincerely,
Customer Correspondence Department
Rushmore Loan Management Services LLC

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

Please see attached explanation. Thank you.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Regards,
[redacted]

Dear [redacted]:Rushmore Loan Management Services LLC (Rushmore) is writing in response to your complaint file withthe Revdex.com (Revdex.com) on April 25, 2015 regarding the mortgage loan account referencedabove. Please note, Rushmore is the servicer of your Loan and the owner of your Loan...

is [redacted] C/o [redacted] FSB, d/b/a [redacted], as trustee,which is a privately held trust.We have conducted an investigation in regards to your complaint, the payment increase, and your escrowaccount. Please note, Rushmore did locate an error and completed a new escrow analysis on May 6, 2015,correcting the Hazardous Insurance and Tax Lines. Attached you will find a copy of the Annual EscrowAccount Disclosure Statement and Change of Payment Notice dated May 6, 2015 for your records andreview.With regard to paying your own taxes and insurance, as it was a term of the agreed upon modification,Rushmore must respectfully decline your request at this time.As of the date of this correspondence, the account is two (2) payments delinquent and contractually duefor the April 1, 2015 monthly installment. Should you have any questions or concerns regarding theaccount, or if you would like to discuss available payment assistance options, you may work directlywith:Single Point of ContactName: Sean ChickettiDirect Number: 469 458-5934At Rushmore, all customer concerns are important to us. Should you have any general questions otherthan those referenced in your correspondence, please contact:Loss Mitigation DepartmentMonday through Thursday, 6:00 a.m. to 7:00 p.m. PacificFriday, 6:00 a.m. to 6:00 p.m. PacificToll-free number 1.888.504.7300Sincerely,[redacted]ComplianceRushmore Loan Management Services LLC

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
 I MUST address Rushmore Loan Management Services LLC's response to my complaint. THIER RESPONSE IS FACTUALLY UNTRUE. 
I have DOCUMENTED PROOF that yesturday morning, Rushmore Loan Management Services LLC attempted to ILLEGALLY FORECLOSE on my home. 
[redacted] had our OPEN AND PENDING lOAN MODIFICATION COMPLETED PACKAGE FOR OVER A MONTH BEFORE THEY TRANSFERRED THIS LOAN TO RUSHMORE. The package was ALREADY COMPLETE - AND THEY NEVER SENT ME ANY NOTIFICATION PRIOR TO THE TRANSFER OF THE LOAN 6/1/2016 OF ANY MISSING DOCUMENTS. Also, [redacted]'s "Point of Contact Person, [redacted] Resendiz, NEVER REACHED OUT TO US during the last six months or more, of our PENDING and ACTIVE loan modification. ONLY on 6/1/2016 did we receive WRITTEN notice that [redacted] TRANSFERRED our Loan to Rushmore. As I stated before, I immediately attempted to log into the Rushmore "Portal" that they must supply to homeowners,.....I could NOT log in. I called our new "Person of Contact" Mr. [redacted], to discuss with him our PENDING loan modification that was transferred to them by [redacted]. I asked Mr. [redacted] SPECIFICALLY, DO YOU HAVE ALL OUR PAPERWORK FOR OUR PENDING LOAN MODIFICATION? Mr. [redacted] CONFIRMED TO ME THAT HE HAD ALL OUR PAPERWORK, AND THAT IT WAS APPROXIMATELY 100 PAGES. He then told me that I would have to complete ANOTHER LOAN MODIFICATION PACKAGE !!! (SO, even though he had a COMPLETE PACKAGE in front of him from Nationstar, he demanded that we complete another one..........this would be my 9th or 10 loan modification package in 2 years.).Never the less, I COMPLETED AN ENTIRE LOAN MODIFICATION PACKAGE FOR RUSHMORE. PAPERWORK WAS EMAILED AND SENT CERTIFIED MAIL TO RUSHMORE 6/28/16. WE HAVE DOCUMENTED PROOF THAT RUSHMORE RECEIVED IT ALL BEFORE THE DUE DATE OF 6/30/16. NEVER DID I HEAR AGAIN FROM RUSHMORE LOAN MANAGEMENT SERVICES LLC. I knew that there had been a "PENDING Trustee Sale dated 7/7/16, that SHOULD HAVE BEEN POSTPONED, AS RUSHMORE ONLY RECEIVED OUR COMPLETE AND PENDING LOAN MODIFICATION APPLICATION AND SUPPORTING DOCUMENTS ON 6/30/16. BOTH RUSHMORE AND [redacted] REFUSED TO POSTPONE THIS TRUSTEE SALE WHILE I WAS UNDER AN ACTIVE AND PENDING LOAN MODIFICATION REVIEW, WHICH THE MUST DUE BY LAW. THE CALIFORNIA HOMEOWNER'S BILL OF RIGHTS SPECIFICALLY STATES THAT A LOAN SERVICER CANNOT CONTINUE FORECLOSURE PROCEEDINGS, INCLUDING A TRUSTEE SALE WHILE A HOMEOWNER IS BEING CONSIDERED FOR A LOAN MODIFICATION - THIS IS DUAL TRACKING. RUSHMORE AND [redacted] DID THAT TO US. RUSHMORE NEVER ASKED ME FOR ADDITIONAL INFORMATION UNTIL YESTURDAY MORNING 7/7/16 AT 8:46AM ,(over the phone)  WHEN I FINALLY GOT [redacted] AT RUSHMORE TO STOP THE SALE TEMPORARILY AND THAT IS WHEN HE ASKED ME, OVER THAT PHONE CALL FOR ADD'L INFORMATION. LET'S BE VERY, VERY CLEAR HERE: THE ONLY REASON RUSHMORE POSTPONED THE SALE YESTURDAY OF MY HOME AT 8:46AM (SALE WAS THE SAME DAY AT 9AM) WAS BECAUSE I BOMBARRED THEM WITH EMAILS, SENT A COMPLAINT TO THE Revdex.com, SENT A COMPLAINT TO THE CA. ATTORNEY GENERAL'S OFFICE, AND TO THE CONSUMER FINANCIAL PROTECTION BUREAU. MAKE NO MISTAKE, RUSHMORE HAD PLANNED ON ILLEGALLY FORECLOSING ON MY HOME YESTURDAY MORNING AT 9AM, AND ONLY STOPPED THE SALE AFTER MY REPEATED CALLS TO THEM, AND EMAILS AND COMPLAINTS. THIS IS THE ONLY REASON THEY POSTPONED THE SALE. THEY ONLY RECEIVED MY NEW INFORMATION ON 6/30/16, THEY HAD NO TIME TO REVIEW MY PAPERWORK, MAKE ANY DECISIONS ABOUT IT, AND THEY WERE WILLING TO "STEAL"  A HOMEOWNER'S HOME WITHIN A WEEK OF RECEIVING IT!!!!!! 
NOT TO MENTION THAT I HAVE FRAUD IN THE ORIGINATION OF MY LOAN , AND THAT THERE IS A BROKEN TITLE TO MY HOME, AND THAT RUSHMORE LOAN MANAGEMENT SERVICES LLC DOES NOT EVEN LEGALLY OWN MY LOAN. (they have also been made aware of this).  THEY KNOW THAT I DO NOT GET THE CHANCE TO GO IN FRONT OF A JUDGE TO PROVE THIS, SO THEY ATTEMPT TO FORECLOSE ON MY HOME THIRTY SEVEN DAYS AFTER RECEIVING THIS LOAN, AND LESS THAN A WEEK AFTER RECEIVING OUR APPLICATION FOR HELP. THEY ARE NOT TELLING THE TRUTH HERE, AND THEY ARE ATTEMPTING TO QUICKLY AND ILLEGALLY FORECLOSE ON MY PROPERTY. I WANT THE TRUTH TO BE EXPOSED. I TOOK A "SCREENSHOT" OF [redacted] FORECLOSURE'S AUCTION SITE YESTURDAY MORNING, BEFORE THE PENDING SALE AT 9AM...........AS OF 8:46AM THE SALE WAS STILL GOING FORWARD...............ONLY WHEN I CONTACTED [redacted] DIRECTLY YESTURDAY MORNING DID THEY STOP THE SALE TEMPORARILY. IF RUSHMORE WAS DOING THE RIGHT THING LIKE THEY SAID IN THEIR DISPUTE OF MY CLAIM, WHY DID IT TAKE ME TO PERSONALLY CALL [redacted] YESTURDAY MORING TO STOP THE SALE???????? 
Regards,
[redacted] And [redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
The response from Rushmore Loan Management stated that we only have one loan and requested copies of credit report to support our claim.It is in black and white that Rushmore has listed  2 loans listed on [redacted]'s [redacted] report.  One under Mortgage and one under "other loans".When they remove the "other loan" from his report we will feel that this claim is settled.
Regards,
[redacted]

[redacted]
[redacted]
[redacted] [redacted]
 [redacted] [redacted]
 [redacted] [redacted]
Dear [redacted] M. [redacted]:Rushmore Loan Management Services LLC (“Rushmore”) is responding to your...

correspondencesubmitted to the Revdex.com (Revdex.com) on October 22, 2017, regarding the mortgage loanaccount referenced above.Your correspondence indicates that you believe that Rushmore is reporting two trade lines for you to thecredit reporting agencies. As such, you are requesting for deletion of the additional trade line.Rushmore’s records reflect the servicing of one loan and only one trade line as being reported. In order toreview this matter further, please provide Rushmore a copy of the credit report indicating the two tradelines.Should you have any additional questions, please do not hesitate to contact us.Customer Service DepartmentMonday through Thursday, 6:00 a.m. to 7:00 p.m. PacificFriday, 6:00 a.m. to 6:00 p.m. PacificToll-free number 1.888.504.6700Sincerely,Customer Correspondence DepartmentRushmore Loan Management Services LLC

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
This is an update to my complaint;I went back and researched from when Rushmore took over my mortgage from [redacted].-They never sent me a certified notification they were servicing my mortgage. They just started sending bills-They never notified me they filed a foreclosure in November 2014 after I came out of chapter 13. [redacted] is a judiciary state. Requires 30-day prior notification of such a filing as well as assignment of mortgage-They are not paying my taxes as they claimed and are trying to recover in their latest modification offer. I received a delinquency notice from my town, they are 2 quarters behind-They won’t tell me who my payments go to, only 3 trusts on the note-They send back my payments, stating it doesn’t cover past due but did accept 2 payments, October & November 2014-They ordered a market analysis for the modification. It showed my home is $24000 less than balance, never reduced the balance according to hamp guidelines but are charging me in advanced corporate fees.-I haven’t been able to get a hold of my case manager [redacted] in over 30 days. Doesn’t return phone calls or emails. I have tried to contact her supervisor; I am told to call back. No contact with anyone from Rushmore in over 3 weeks Please help me [redacted] This is an update to my complaint;I went back and researched from when Rushmore took over my mortgage from [redacted].They never sent me a certified notification they were servicing my mortgage. They just started sending billsThey never notified me they filed a foreclosure in November 2014 after I came out of chapter 13. [redacted] is a judiciary state. Requires 30-day prior notification of such a filing as well as assignment of mortgageThey are not paying my taxes as they claimed and are trying to recover in their latest modification offer. I received a delinquency notice from my town, they are 2 quarters behindThey won’t tell me who my payments go to, only 3 trusts on the noteThey send back my payments, stating it doesn’t cover past due but did accept 2 payments, October & November 2014They ordered a market analysis for the modification. It showed my home is $24000 less than balance, never reduced the balance according to hamp guidelines but are charging me in advanced corporate fees.I haven’t been able to get a hold of my case manager [redacted] in over 30 days. Doesn’t return phone calls or emails. I have tried to contact her supervisor; I am told to call back. No contact with anyone from Rushmore in over 3 weeks Please help me [redacted] This is an update to my complaint;I went back and researched from when Rushmore took over my mortgage from [redacted].They never sent me a certified notification they were servicing my mortgage. They just started sending billsThey never notified me they filed a foreclosure in November 2014 after I came out of chapter 13. [redacted] is a judiciary state. Requires 30-day prior notification of such a filing as well as assignment of mortgageThey are not paying my taxes as they claimed and are trying to recover in their latest modification offer. I received a delinquency notice from my town, they are 2 quarters behindThey won’t tell me who my payments go to, only 3 trusts on the noteThey send back my payments, stating it doesn’t cover past due but did accept 2 payments, October & November 2014They ordered a market analysis for the modification. It showed my home is $24000 less than balance, never reduced the balance according to hamp guidelines but are charging me in advanced corporate fees.I haven’t been able to get a hold of my case manager [redacted] in over 30 days. Doesn’t return phone calls or emails. I have tried to contact her supervisor; I am told to call back. No contact with anyone from Rushmore in over 3 weeks Please help me [redacted] This is an update to my complaint;I went back and researched from when Rushmore took over my mortgage from [redacted].They never sent me a certified notification they were servicing my mortgage. They just started sending billsThey never notified me they filed a foreclosure in November 2014 after I came out of chapter 13. [redacted] is a judiciary state. Requires 30-day prior notification of such a filing as well as assignment of mortgageThey are not paying my taxes as they claimed and are trying to recover in their latest modification offer. I received a delinquency notice from my town, they are 2 quarters behindThey won’t tell me who my payments go to, only 3 trusts on the noteThey send back my payments, stating it doesn’t cover past due but did accept 2 payments, October & November 2014They ordered a market analysis for the modification. It showed my home is $24000 less than balance, never reduced the balance according to hamp guidelines but are charging me in advanced corporate fees.I haven’t been able to get a hold of my case manager [redacted] in over 30 days. Doesn’t return phone calls or emails. I have tried to contact her supervisor; I am told to call back. No contact with anyone from Rushmore in over 3 weeks Please help me [redacted] This is an update to my complaint;I went back and researched from when Rushmore took over my mortgage from [redacted].They never sent me a certified notification they were servicing my mortgage. They just started sending billsThey never notified me they filed a foreclosure in November 2014 after I came out of chapter 13. [redacted] is a judiciary state. Requires 30-day prior notification of such a filing as well as assignment of mortgageThey are not paying my taxes as they claimed and are trying to recover in their latest modification offer. I received a delinquency notice from my town, they are 2 quarters behindThey won’t tell me who my payments go to, only 3 trusts on the noteThey send back my payments, stating it doesn’t cover past due but did accept 2 payments, October & November 2014They ordered a market analysis for the modification. It showed my home is $24000 less than balance, never reduced the balance according to hamp guidelines but are charging me in advanced corporate fees.I haven’t been able to get a hold of my case manager [redacted] in over 30 days. Doesn’t return phone calls or emails. I have tried to contact her supervisor; I am told to call back. No contact with anyone from Rushmore in over 3 weeks Please help me [redacted]

Please see the attached correspondence
Dear [redacted]:
Rushmore Loan Management Services LLC (“Rushmore”) is responding to your correspondencesubmitted to the Revdex.com (Revdex.com) on October 4, 2016, regarding the mortgage loanaccount referenced above. Please...

note that Rushmore is the servicer of your loan and that theowner of the loan is [redacted], not in its individual capacity but solely astrustee for the [redacted]. The servicing responsibilities for the loantransferred from [redacted] to Rushmore effective May 2, 2016.A full social security number is required to set up an online account at www.rushmorelm.com.This, and other required information, is matched against the information in our system of recordto ensure the security of the online account. When calling Rushmore, only the last four digits ofthe social security number would need to be verified.
Regarding your claim that there is never a live person to assist you, Rushmore last spoke to youdirectly on October 4, 2016. In addition, conversations occurred with a Rushmore representativeon September 6, 2016; September 12, 2016; September 14, 2016; and September 15, 2016.During this same time frame of September 6, 2016, through October 4, 2016, Rushmore leftnumerous messages requesting a return phone call to attempt to assist you.
When your loan transferred from [redacted] to Rushmore on May 2, 2016, your accountwas due for the April 25, 2016, monthly installment of $403.01. On July 2, 2016, Rushmorereceived a partial payment of $400.00, which was not enough to satisfy the monthly installmentamount due. These funds were placed in suspense until your next payment was received on July13, 2016, in the amount of $400.00. The April 25, 2016, payment was posted at that time and theremainders of the funds were placed in suspense. The enclosed payment history will reflect that you have continued to make partial payments for less than your contractual monthly installmentamount due, which has led to funds being placed in suspense and applied once the additionalfunds necessary to complete the monthly installment amount were received.
As of the date of this correspondence, the account is 2 payments delinquent and contractuallydue for the August 25, 2016, monthly installment. If you would like to discuss available paymentassistance options, please call the assigned representative:
Single Point of Contact (SPOC):Name: [redacted]Direct Number: [redacted]
Should you have any additional questions, please do not hesitate to contact us.
Loss Mitigation DepartmentMonday through Thursday, 6:00 a.m. to 7:00 p.m. PacificFriday, 6:00 a.m. to 6:00 p.m. PacificToll-free number [redacted]
As a consumer, you have the right to request the investigation documents relied upon byRushmore in making its determination. We have enclosed those documents for yourconvenience.
Sincerely,Customer Correspondence DepartmentRushmore Loan Management Services LLC

Dear [redacted] M. [redacted]:Rushmore Loan Management Services LLC (“Rushmore”) is responding to your correspondencesubmitted to the Revdex.com (Revdex.com) on November 21, 2017, regarding the mortgage loanaccount referenced above.The credit report enclosures provided in the most recent submission appear to be duplicative and do notreflect a second tradeline being reported by Rushmore. This response is based solely on the informationyou provided and that of the records Rushmore has kept. Rushmore’s records reflect the servicing of oneloan and only one trade line as being reported. We believe that perhaps the confusion may be that theunpaid principal balance is $66,473.27 and the total outstanding amount owed is being reported as$75,594.00. Please see the below breakdown of the total outstanding amount owed.• The total unpaid principal balance is $66,473.27.• The total costs of recoverable advances are $4,246.74. These advances are disbursements forservicing-related expenses(non-escrow expenses) paid with servicer-funds rather than escrowfunds which are recovered, the borrower.• The escrow advance balance is $4.874.33.• Other fees outstanding are $1,799.51.The above total is $75,594.34, the unpaid principal balance is not the total amount required tosatisfy the loan fully, and the outstanding cost is what is being reported to the credit reportingagencies.Please contact the credit reporting agencies directly if you wish to dispute any portion of the credit report.Should you have any additional questions, please do not hesitate to contact us.Customer Service DepartmentMonday through Thursday, 6:00 a.m. to 7:00 p.m. PacificFriday, 6:00 a.m. to 6:00 p.m. Pacific

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I am writing this letter in response to the Revdex.com response that I received from Rushmore Loan Management Services (Rushmore) dated 10/9/15. I am very aware of the Bankruptcy laws of speaking to anyone that is currently in an active bankruptcy which I’m sure you are aware is not my status—[redacted]. I filed bankruptcy on 2/5/13 and it was fully discharged on 6/19/13 and is not able to file for a bankruptcy again for 7years after discharge date which means I am currently not in bankruptcy and you are allowed by law to discuss with me the above loan. As I stated above that I filed Chapter 7 in Feb 2013 and was discharged in June 2013, I did not reaffirm this joint loan and the debt for me was fully discharged in my bankruptcy. At this time [redacted] was the owner of this loan and had not transferred to you until after my bankruptcy discharge date. This means I do not have any contractual agreement with Rushmore Loan Management Services. If I am mistaken I am asking that you send me any documentation with Rushmore Loan Management Services that I have signed and dated with my original signature for my review. After the confirmed discharge of my bankruptcy Rushmore continues to report inaccurate balances, late payments and foreclosure proceedings started.  There are multiple violations of the FCRA, FTC, and Bankruptcy code violations that directly violate my consumer rights. The FTC’s opinion of this derogatory reporting is considered “continued collection activity” and this reporting behavior by Rushmore is also a direct violation of the permanent injunction that the bankruptcy code provides me by continuing to report on an account known to have been discharged in bankruptcy. Your complete disregard for the laws that are made to protect the consumer is damaging my FICO score because I am being penalized for the initial bankruptcy(understandably),penalized for late notation, large balance, and foreclosure proceeding started and these reporting’s have deprived me of  receiving new credit accounts.  I have on multiple attempts to dispute with the credit reporting agencies these inaccuracies, but your firm continues to verify this information as accurate which is also a FCRA violation because you continue to verify information that is known or should be known as false, you failure to have reasonable procedures to ensure accurate reporting information is also a FCRA violation. I have clearly explained to you why this account should not be reporting on any of my credit reports, that the inaccurate information is damaging my credit scores and are violations of my consumer rights. I am demanding that you remove this inaccurate derogatory information immediately, but no more than 5 days from the date of this letter or I will be forced to send complaints to the FTC, California, and Georgia Attorney General offices. Upon deletion of your trade line on all 3 credit reports within the time frame given I will not bring complaints against Rushmore Loan Management Services. If you do not correct the injustices done to me by your violations stated above I will be forced to move forward with my complaints to all agencies listed above. I will not tolerate your continued illegal reporting against me that is harming my ability for a “fresh start” that has been allotted to me through bankruptcy code. Sincerely,[redacted]
I am writing this letter in response to the Revdex.com response that I received from Rushmore Loan Management Services (Rushmore) dated 10/9/15. I am very aware of the Bankruptcy laws of speaking to anyone that is currently in an active bankruptcy which I’m sure you are aware is not my status—[redacted] D. [redacted]. I filed bankruptcy on 2/5/13 and it was fully discharged on 6/19/13 and is not able to file for a bankruptcy again for 7years after discharge date which means I am currently not in bankruptcy and you are allowed by law to discuss with me the above loan.
 
As I stated above that I filed Chapter 7 in Feb 2013 and was discharged in June 2013, I did not reaffirm this joint loan and the debt for me was fully discharged in my bankruptcy. At this time Bank of America was the owner of this loan and had not transferred to you until after my bankruptcy discharge date. This means I do not have any contractual agreement with Rushmore Loan Management Services. If I am mistaken I am asking that you send me any documentation with Rushmore Loan Management Services that I have signed and dated with my original signature for my review.
 
After the confirmed discharge of my bankruptcy Rushmore continues to report inaccurate balances, late payments and foreclosure proceedings started. There are multiple violations of the FCRA, FTC, and Bankruptcy code violations that directly violate my consumer rights. The FTC’s opinion of this derogatory reporting is considered “continued collection activity” and this reporting behavior by
Rushmore is also a direct violation of the permanent injunction that the bankruptcy code provides me by continuing to report on an account known to have been discharged in bankruptcy. Your complete disregard for the laws that are made to protect the consumer is damaging my FICO score because I am being penalized for the initial bankruptcy(understandably),penalized for late notation, large balance, and foreclosure proceeding started and these reporting’s have deprived me of receiving new credit accounts. I have on multiple attempts to dispute with the credit reporting agencies these inaccuracies, but your firm continues to verify this information as accurate which is also a FCRA violation because you continue to verify information that is known or should be known as false, you failure to have reasonable procedures to ensure accurate reporting information is also a FCRA violation.
 
I have clearly explained to you why this account should not be reporting on any of my credit reports, that the inaccurate information is damaging my credit scores and are violations of my consumer rights. I am demanding that you remove this inaccurate derogatory information immediately, but no more than 5 days from the date of this letter or I will be forced to send complaints to the FTC, California, and Georgia Attorney General offices.
 
Upon deletion of your trade line on all 3 credit reports within the time frame given I will not bring complaints against Rushmore Loan Management Services. If you do not correct the injustices done to me by your violations stated above I will be forced to move forward with my complaints to all agencies listed above. I will not tolerate your continued illegal reporting against me that is harming my ability for a “fresh start” that has been allotted to me through bankruptcy code.
 
 
Sincerely,
[redacted] D. [redacted]