Rushmore Loan Management Services LLC

Dear [redacted]:
Rushmore Loan Management Services LLC ("Rushmore') is in receipt of your correspondence submitted through the Consumer Financial Protection Bureau (“CFPB) website portal on August 19, 2016, through the Revdex.com (“Revdex.com) website portal on August 20,...

2016, and your letter dated August 18, 2016, and received in our office August 25, 2016, regarding the mortgage loan account referenced above.Rushmore conducted an investigation into the matters asserted in your complaint, and we appreciate the opportunity to provide you with a written response.
Enclosed is a copy of your Note and the Repayment Plan. The fifth paragraph of the plan states that any expenses not covered by the plan will be billed to your loan in accordance with the terms of your loan documents.
At the time the Repayment Plan was executed, there was an error made in the calculations. Rushmore's files reflect that you have been talking with [redacted], the Loss Mitigation Supervisor, and an agreement was reached in this matter. Rushmore agreed to waive late fees in the amount of $443.20 if you make a payment of $556.09 by the end of August,
As of the date of this correspondence, the account is current and contractually due for the August 1, 2016, monthly installment. If you would like to discuss your loan, please contact your assigned representative:Single Point of Contact (SPOC): Name: [redacted] Direct Number: [redacted]Should you have any additional questions, please contact us at the phone number below.Loss Mitigation 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 1888.504.7300
Sincerely,Customer Correspondence Rushmore Loan Management Services LLC

Dear [redacted]:
Rushmore Loan Management Services LLC (Rushmore) is writing in response to your complaint file withthe Better...

Business Bureau (Revdex.com) on July 15, 2015, regarding the mortgage loan account referencedabove. Please note, Rushmore is the servicer of your Loan and the owner of your Loan is the FederalNational Mortgage Association.
We have conducted an investigation in regard to your complaint and the collection activity on youraccount. Please note per terms of the Note and Mortgage the payment is due on the 1st day of each monthand considered late thereafter. Rushmore has acted within its rights in accordance with said terms.
However, as a courtesy to you we have placed a hold on the collection calls on the loan until after the 10thday of each month.
At Rushmore, all customer concerns are important to us. As of the date of this correspondence, theaccount is current and contractually next due for the August 1, 2015 monthly installment. Should youhave any general questions other than those referenced in your correspondence, please contact:
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 1.888.504.6700
Sincerely,[redacted]ComplianceRushmore Loan Management Services LLC

Dear [redacted]:Rushmore Loan Management Services LLC (“Rushmore”) hereby responds to your complaints filed with the Revdex.com on June 8, 2016, and June 11, 2016, regarding the loan account referenced above.Rushmore has determined that your complaints are a Duplicative Notification of Error and/or Request for Information. We made this determination because your current complaint is substantially the same as your previous complaint filed with the Revdex.com (“Revdex.com”), which Rushmore received on July 7, 2016, and it does not contain new and material information. Rushmore complied with our obligation to respond to this matter with our previous response to you, which was sent through the Revdex.com website portal on July 7, 2016.Attached, for your reference, is a copy of our previous response.Sincerely,Compliance Department Rushmore Loan Management Services LLC

Dear [redacted]:
Rushmore Loan Management Services LLC (“Rushmore”) is responding to your rebuttal correspondence submitted to the Revdex.com (Revdex.com) on September 15, 2016, regarding the mortgage loan account referenced above.
As stated in our previous response, Rushmore received a payoff in the amount of $294,752.35 that was posted to your account on Monday, August 1, 2016, with an effective date of Friday, July 29, 2016. The effective date indicates the date the payment was received. Although the payment was received on that day, it was after normal cash processing hours and, therefore, was not processed until the weekend. The ACH payment for the August 1, 2016, monthly installment was pre-drafted on Sunday, July 31, 2016. Any transactions processed over the weekend will not post to the account until the following business day, or August 1, 2016. Once the system was updated, the ACH was cancelled on August 2, 2016, as the account was then paid in full.
Rushmore has no record of phone calls received from you on August 1, 2016, or August 23, 2016, as stated in your rebuttal. You did contact Rushmore on August 3, 2016, and the mailing address in our system was updated to reflect 854 Grears Corner, Townsend, DE 19734. This is the address used for the refund checks and from which Rushmore subsequently received returned mail. You did not contact our office to update your mailing address to 106 Airmont Drive, Middletown, DE 19709, until September 10, 2016, as stated in our previous response.Regarding the refunds checks that were returned to us, Rushmore received these checks back on August 24, 2016, and August 29, 2016, respectively. Although Rushmore experienced a slightdelay in processing, new refund checks were mailed to you via Federal Express on September 13, 2016. We apologize for any inconvenience this delay may have caused.
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 1.888.504.6700
Sincerely,Customer Correspondence Department
Rushmore Loan Management Services LLC

Dear [redacted] and [redacted]:Rushmore Loan Management Services LLC (“Rushmore”) hereby responds to your complaint filed with the Revdex.com (“Revdex.com”) on July 14, 2016, regarding the loan account referenced above.Rushmore conducted an investigation into the matters...

asserted in your complaint, and we appreciate the opportunity to provide you with a written response.Our records show that in January 2016, your escrow account was analyzed as scheduled for the state of Illinois. However, in the following months we received multiple updates regarding changes in the tax amounts that were due. Each time a new update was received, a new analysis was performed in order to ensure that your escrow payment was correct.Furthermore, our records show that our Loan Servicing unit already addressed your concerns in a previous correspondence to you, which was sent on June 10, 2016. Enclosed, please find copy for your records.We apologize for any inconvenience or confusion this matter may have caused, and we trust that this will resolve the matter to your full satisfaction.Should you have any additional questions, please contactus at the phone numberbelow: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 1.888.504.6700Sincerely,Customer Correspondence Department Rushmore Loan Management Services LLC

February 18, 2015[redacted]
[redacted]RE: Mortgagor(s) – [redacted] and [redacted] Property Address – [redacted] Loan Number – [redacted] Revdex.com ID Number – [redacted]Dear [redacted]:Rushmore Loan Management...

Services, LLC (Rushmore) is responding to your complaint submitted tothe Revdex.com (Revdex.com) on January 26, 2015, regarding the mortgage loan account referencedabove.Please note, Rushmore is the former servicer of the Loan and the owner of the Loan. Attached you willfind a copy of the Notice of Assignment, Sale or Transfer of Servicing or Goodbye Letter which was sentto you on April 26, 2014. This letter was to inform you that the servicing responsibilities transferred fromRushmore to Fay Servicing, LLC effective May 22, 2013. The Goodbye Letter also provides you with thecontact information for your new servicer.At Rushmore, customer concerns are important to us. Should you have any general questions other thanthose referenced in the correspondence, please contact:Fay Servicing, LLC’s Customer Service DepartmentMonday through Friday, 9:00 a.m. to 6:00 p.m. CSTToll-free number 1.800.495.7166

Revdex.com Case Number-[redacted]Dear Glenn Powles:Rushmore Loan Management Services LLC ("Rushmore') is in receipt of your complaint submitted through the Revdex.com (“Revdex.com) website portal on July 11, 2016, regarding the mortgage loan account referenced above.Rushmore conducted an investigation...

into the matters asserted in your complaint, and we appreciate the opportunity to provide you with a written response.Enclosed is a Rushmore payment history. The history reflects two payments have been applied to the loan since it was service transferred to Rushmore. A payment was applied on May 31, 2016, and another one on June 30, 2016. Because only one payment was drafted in June, no refund is due at this time. If you have evidence that more than one payment was withdrawn from your account, please Submit such evidence for our review.Sincerely,Customer Correspondence Department Rushmore Loan Management Services LLC

"Times New Roman";">December 10, 2015
 
 
RE:      Revdex.com
ID – 10974349
   
Dear Mizel N Brooks:
 
Rushmore Loan Management Services
LLC (Rushmore) is writing in response to your complaint file with the RevDex.com (Revdex.com) on November 30, 2015, regarding the mortgage loan account
referenced above. 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.  Upon conclusion of our investigation it was
determined that the prior servicer applied post-petition payments directly to
principal balance of the loan.  As of
date of this correspondence, corrections were made to our system to reflect the
loan account as due for December 2015. Should
you have any questions or concerns regarding the account, please call:
 
Single Point of Contact
Name: [redacted]
Direct Number: [redacted]
 
At Rushmore, all customer concerns
are important to us. Should you have any general questions other than those
referenced in your correspondence, please contact:
 
Customer Service
Department
Monday
through Friday, 6:00 a.m. to 6:00 p.m. Pacific
Toll-free number 1.888.504.7300
 

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

Dear [redacted] & [redacted]:
Rushmore Loan Management Services LLC (Rushmore) is responding to your phone conversation August 10, 2016, and your correspondence dated September 6, 2016, and received by our office September 8, 2016, regarding the mortgage loan account referenced...

above. We appreciate this opportunity to be of assistance.The servicing responsibilities for the property listed above were transferred from [redacted] to Rushmore effective June 1, 2016. At that time, [redacted] indicated that on March 8, 2016, a disbursement of $4,168.88 was made to purchase forced placed hazard insurance. This disbursement was due to a lapse in coverage from January 1, 2016, to June 22, 2016, caused by non.payment. On July 11, 2016, you provided Rushmore with new hazard insurance information, and a payment of $779.00 was made to your new carrier. On August 10, 2016, a refund in the amount of $2,198.24 was received for the unused portion of your forced place hazard insurance policy. Currently you have a negative escrow balance of $144.00 remaining.
Rushmore, per your request, has agreed to remove the escrow for hazard insurance collection from your loan. However, per the terms of your note and security instrument, in the event that you fail to maintain proper coverage, Rushmore can protect its interest in the property, and force place insurance for the remainder of the life of the loan.
On June 29, 2016, the Federal Emergency Management Agency (FEMA?) provided a flood certification to Rushmore indicating that the property address listed above is determined to be in a flood zone. Rushmore sent notices to you on August 7, 2016, and again on August 28, 2016, regarding this issue. On September 6, 2016, you contacted Rushmore regarding the issue and were advised that in order to remove the flood insurance requirement, a Letter of Map Amendment from FEMA would be required to prove the property and/or structure is not in a flood zone. You advised Rushmore on September 9, 2016, that FEMA advised it could tale up to sixty days to receive this document. Should force placed flood insurance be added to the account, and FEMA does provide the letter of map amendment indicating the property is not in a flood zone, this amount would be refunded. Currently, Rushmore is awaiting the receipt of this document prior to taking further action.
Should you have any general questions other than those referenced in the correspondence, please contact:
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 1.888.504.6700
Sincerely,Customer Correspondence Department Rushmore Loan Management Services LLC

Dear [redacted]
[redacted]:
Roman">
Rushmore Loan
Management Services LLC (“Rushmore”) is in receipt of your complaint submitted
through the Revdex.com (“Revdex.com”) website portal on March 8th,
2016, regarding the mortgage loan account referenced above. Please note, Rushmore is the servicer of your loan,
and the owner of the loan is Wilmington
Savings Fund Society, FSB, d/b/a [redacted] not individually but as
trustee for [redacted]
Rushmore
conducted a thorough investigation into the matters asserted in your complaint,
and we appreciate the opportunity to provide you with a written response.  Rushmore does not feel that an error has been
made on your account.
First, Rushmore
cannot speak about the origination of this loan and/or on behalf of the prior
servicers of the account, and can only attest to actions which occurred during
the time Rushmore began servicing the loan. 
The servicing responsibilities of the loan transferred from [redacted]. to Rushmore effective June 15th, 2015.  At the time of the acquisition, your account
reflected a negative escrow balance of $5,341.66 for disbursements made by the
prior servicer for delinquent taxes and insurance.
No disbursements
have been made by Rushmore Loan Management Services from your escrow account.  The escrow payment in the amount of $152.62 reflected
in your billing statement as part of your monthly payment is the monthly
shortage collection to collect for the aforementioned negative escrow balance
on the account. 
Furthermore, our
records reflect that your prior servicer provided a response to your concerns
regarding the information reported to the Credit Reporting Agencies (CRAs),
Interest Rate, Past Due Balance, Insurance Payment & Tax Payments on their
responses provided on November 27th, 2013, January 9th,
2014, and May 23rd, 2014.  These
letters, attached to this response, provided a breakdown of all disbursements
for delinquent taxes and LPI made by the prior servicer on the account along
with the transaction history.
Second, Rushmore
has been returning your payments since July 2015 because we haven’t been able
to enter into an official workout with you to resolve the delinquency in your
account.  Rushmore needs to get into a written
payment arrangement that resolves the delinquency in your account before we can
accept funds from you. Attached please
find copies of all the letters sent to you accompanying each returned payment
since July 21st, 2015.
While Rushmore does not feel that an error has
occurred with your account, we are willing to work with you, and help you
complete an application for loss mitigation, so that Rushmore can consider you
for any potential loss mitigation options that are offered by the owner of your
loan.  Please find enclosed a Borrower Assistance
Application.
Please note, as
a consumer you have the right to request the investigation documents relied
upon to determine our conclusion with regard to the Notice of Error that you
submitted. Enclosed, we have included those documents for your records
Should you have
any general questions other than those referenced in the correspondence, please
contact Rushmore immediately, in the following manner:
Single Point of
Contact (SPOC):
Name: [redacted]
Direct Number: [redacted]
OR
 
Loss Mitigation
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
1.888.504.7300
Sincerely,
[redacted]
Compliance
Rushmore Loan
Management Services LLC

Dear [redacted]:Rushmore Loan Management Services LLC (Rushmore) is writing in response to your complaint file with the Revdex.com (Revdex.com) on December 28th, 2015, regarding the mortgage loan account referenced above. Please note, Rushmore is the servicer of your Loan and the owner of...

your Loan is the Federal Home Loan Mortgage Corporation.We have conducted an investigation and confirmed the lender place insurance had been removed from your account. We received your insurance policy and our vendor incorrectly misclassified the property. We have corrected the issue to reflect the property as a condo, and sent notification to you that the lender placed insurance in the amount of $1,056.86 was being refunded back to the account. Your monthly payment has been adjusted to $2,225.36, and we have removed all late fees on the account as well. We apologize for any confusion or inconvenience this matter may have caused.At Rushmore, all customer concerns are important to us. As of the date of this correspondence, your account is current, and the next payment due will be for the February 1st, 2016 monthly installment. Should you have any other questions, please feel free to contact: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 1.888.504.6700 [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 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]

Dear [redacted]:
Rushmore Loan Management Services LLC ("Rushmore') is in receipt of your complaint submitted through the Revdex.com (“Revdex.com) website portal on July 29, 2016, regarding the mortgage loan account referenced above.
You are requesting a review of...

your credit report and the data that was transmitted to the credit reporting agencies. Our records indicate that your loan reported accurately as 30 DAYS DELINQUENT on May 9, 2016. However, as a one-time courtesy, we have sent an update to the bureaus to remove the delinquency information. Please allow 30 days for the credit bureaus to update your account.Should you have any additional questions, please contact us at the phone number below:
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: 1.888.504.6700
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]

Dear [redacted]:  
Rushmore Loan
Management Services LLC (“Rushmore”) is in receipt of you rebuttal to the complaint
submitted to the Revdex.com (Revdex.com) on March 31st, 2016,
regarding the mortgage loan account referenced above.
Rushmore in
enclosing an additional copy of the Promissory Note, which was previously
provided to you on March 16th, 2016.
Should you have
any general questions other than those referenced in the correspondence, please
contact:
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
1.888.504.6700
Sincerely,
[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.
No attachment provided. I requested 3rd party authorization forms to add my fiance to my authorized user listing and it still has not been sent. The prior issue of spreading my escrow shortage has been resolved. 
Regards,
[redacted]

Attached you'll find a copy of our response to case number [redacted] as it was previously presented to the customer
Rushmore Loan Management Services, LLC (Rushmore) is responding to your complaint submitted tothe Better...

Business Bureau (Revdex.com) on December 2, 2014, regarding the mortgage loan account referencedabove.We have conducted an investigation in regard to your complaint and are here to assist you. Enclosed youwill find a copy of your Rushmore Customer Account Activity Statement or Payment History for yourrecords and review. Also enclosed is a Reinstatement Quote good through January 15, 2015, whichprovides a breakdown of total amount due to reinstate the Loan.As of the date of this correspondence, the account is six ( 6) payments delinquent and contractually due forthe July I, 2014 monthly installment. Should you have any questions or concerns regarding the account,or if you would like to discuss available payment assistance options, you may work directly with yourassigned Single Point of Contact:

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]

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 would like for Rushmore to report from the time they took over my loan in a positive manner, I was advised to put all payments into a savings account until my bankruptcy was over and determined that I would be able to maintain my property since the originator of my loan [redacted] was not willing to assist in a loan modification with a reduction of my principle balance for the condominium I was upside down on.It would be a good faith gesture if Rushmore may help in referring by mortgage paid in full and not deffer 180 days since all those late payments occurred prior to their take over of my loan.
Regards,
[redacted]

Dear [redacted]:Rushmore Loan Management Services LLC (Rushmore) is writing in response to your complaint file withthe Revdex.com (Revdex.com) on May 12, 2015, regarding the mortgage loan account referencedabove. Please note, Rushmore is the servicer of your Loan and the owner of your Loan is [redacted], FSB, d/b/a [redacted], not individually but as trustee for [redacted], which is a privately held trust.We have conducted an investigation in regard to your complaint and claim of lack of communicationfrom your Single Point of Contact (SPOC) in regard to your payment dispute. Our records indicate theSPOC has made several contacts with you in regard to the status of the modification review, which iscurrently in underwriting for decision.In regard to the referenced “errors” on the account made by the prior servicer, please note, theinformation has been turned over to our Bankruptcy Department for further research. As you are currentlyrepresented in the active Chapter 13 Bankruptcy, proper recourse in this matter would be through yourlegal counsel and/or the bankruptcy court.As of the date of this correspondence, the account is contractually due for the April 1, 2013 monthlyinstallment and currently in active Chapter 13 Bankruptcy. Should you have any questions or concernsregarding the account, please call:Single Point of ContactName: [redacted]Direct Number: [redacted]Sincerely,[redacted]
Compliance
Rushmore Loan Management Services LLC