Rushmore Loan Management Services LLC

November 13, [redacted] RE: Mortgagor(s) – [redacted] and [redacted] D [redacted] Property Address – [redacted] Loan Number – [redacted] Revdex.com ID – [redacted] Dear [redacted] : Rushmore Loan Management Services LLC (Rushmore) is writing in response to your complaint file with the Better Business Bureau (Revdex.com) on September 30, 2015, regarding the mortgage loan account referenced abovePlease note, Rushmore is the servicer of your Loan and the owner of your Loan is [redacted] not individually but as trustee for [redacted] ***, which is a privately held trust We have conducted an investigation in regard to your rebuttal complaint and apologize for the previous information providedOur records indicated in error the current active Chapter Bankruptcy in your name as wellWe have updated our system to correct this information and we have submitted an update as of today’s date, November 13, 2015, to the main credit repository agencies to reflect the account as a Discharged Chapter BankruptcyPlease allow days for the credit bureaus to update your account with them At Rushmore, all customer concerns are important to usShould you have any general questions other than those referenced in your correspondence, please contact: Customer Service Department Monday through Friday, 6:a.mto 6:p.mPacific Toll-free number Sincerely, [redacted] Compliance Rushmore Loan Management Services LLC By Revdex.com Portal

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] ***

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 belowI am writing this letter in response to the Revdex.com response that I received from Rushmore Loan Management Services (Rushmore) dated 10/9/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/and it was fully discharged on 6/19/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 loanAs I stated above that I filed Chapter in Feb and was discharged in June 2013, I did not reaffirm this joint loan and the debt for me was fully discharged in my bankruptcyAt this time [redacted] was the owner of this loan and had not transferred to you until after my bankruptcy discharge dateThis means I do not have any contractual agreement with Rushmore Loan Management ServicesIf 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 reviewAfter 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 rightsThe 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 bankruptcyYour 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 violationI 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 rightsI am demanding that you remove this inaccurate derogatory information immediately, but no more than days from the date of this letter or I will be forced to send complaints to the FTC, California, and Georgia Attorney General officesUpon deletion of your trade line on all credit reports within the time frame given I will not bring complaints against Rushmore Loan Management ServicesIf 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 aboveI 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 codeSincerely, [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/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/and it was fully discharged on 6/19/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 in Feb and was discharged in June 2013, I did not reaffirm this joint loan and the debt for me was fully discharged in my bankruptcyAt this time Bank of America was the owner of this loan and had not transferred to you until after my bankruptcy discharge dateThis means I do not have any contractual agreement with Rushmore Loan Management ServicesIf 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 startedThere are multiple violations of the FCRA, FTC, and Bankruptcy code violations that directly violate my consumer rightsThe 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 bankruptcyYour 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 accountsI 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 rightsI am demanding that you remove this inaccurate derogatory information immediately, but no more than 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 credit reports within the time frame given I will not bring complaints against Rushmore Loan Management ServicesIf 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 aboveI 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]

Dear [redacted] : Rushmore Loan Management Services LLC (Rushmore) is writing in response to your rebuttal complaintfile with the Revdex.com (Revdex.com) on November 3, 2015, regarding the mortgage loan accountreferenced abovePlease 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 correspondencePlease note Rushmore completed an Escrow Analysis on October 14, effective with the November1, payment based on the paid in full taxesThe new monthly payment is $2,006.94, which is areduction of $per monthOur system indicates the escrow statement was faxed on October 26, to [redacted] Theescrow shortage was spread over months on October 14, effective with the NovemberinstallmentRushmore received a separate request on October 21, requesting a shortage spreadover monthsAs a result, the escrow shortage was analyzed again on October 21, effective withthe November installmentPlease note, as a consumer you have the right to request the investigation documents relied upon todetermine our conclusion with regard to the Notice of Error that you submittedAt Rushmore, all customer concerns are important to usAs of the date of this correspondence, theaccount is current and contractually next due for the November 1, monthly installmentShould youhave any general questions other than those referenced in your correspondence, please contact: Customer Service DepartmentMonday through Thursday, 6:a.mto 7:p.mPacificFriday, 6:a.mto 6:p.mPacific Toll-free number Regards, [redacted] Compliance Rushmore Loan Management Services LLC

Dear Revdex.com, Attached please find a copy of Rushmore's response to the Complaint ID of Subject.Should you have any further questions or concerns feel free to contact us directly Regards, [redacted] Compliance Rushmore Loan Management Services LLC

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 abovePlease 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 accountWhen calling Rushmore, only the last four digits ofthe social security number would need to be verifiedRegarding your claim that there is never a live person to assist you, Rushmore last spoke to youdirectly on October 4, 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 youWhen your loan transferred from [redacted] to Rushmore on May 2, 2016, your accountwas due for the April 25, 2016, monthly installment of $On July 2, 2016, Rushmorereceived a partial payment of $400.00, which was not enough to satisfy the monthly installmentamount dueThese funds were placed in suspense until your next payment was received on July13, 2016, in the amount of $The April 25, 2016, payment was posted at that time and theremainders of the funds were placed in suspenseThe 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 receivedAs of the date of this correspondence, the account is payments delinquent and contractuallydue for the August 25, 2016, monthly installmentIf 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 usLoss Mitigation DepartmentMonday through Thursday, 6:a.mto 7:p.mPacificFriday, 6:a.mto 6:p.mPacificToll-free number [redacted] As a consumer, you have the right to request the investigation documents relied upon byRushmore in making its determinationWe have enclosed those documents for yourconvenienceSincerely,Customer Correspondence DepartmentRushmore Loan Management Services LLC

Dear [redacted] and [redacted] Although we received this request from [redacted] ***, we do not have any record of you authorizing us to discuss this loan with him, We are therefore sending this response to you directlyPlease submit written authorization if you would like to authorize [redacted] on your loan.Rushmore Loan Management Services LLC ("Rushmore') is responding to your correspondence submitted to the Revdex.com (Revdex.com) on January 10, 2017, regarding the mortgage loan account referenced aboveWe appreciate the opportunity to provide you with this written response.The foreclosure sale took place on August 11, 2016, regarding the property referenced aboveRushmore holds a Missouri Residential Mortgage Loan Broker License No [redacted] A copy of our license is enclosed for your records.Should you have any additional questions, please do not hesitate to contact us.Customer Service Department Monday through Thursday, 6:a.mto 7:p.mPacific Friday, 6:a.mto 6:p.mPacific Toll-free number 1888.504.6700Sincerely,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 For your reference, details of the offer I reviewed appear below I am still awaiting a fax of my escrow analysis which resulted in the payment of $2,per month which was requested last weekAdditionally, I have just submitted a form requesting that the escrow shortage be spread over a month period and a new analysis be performedI would like this completed before my November 1, payment is dueAs a result of the back and forth and ample time your company takes to process any requests it is now two weeks from November, I would like this analysis performed immediately and reflected for my November 1st payment 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 June 28, 2016, regarding the mortgage loan account referenced aboveRushmore conducted an investigation into the matters asserted in your complaint, and we appreciate the opportunity to provide you with a written responseEnclosed is a copy of the responses sent to you June 2, 2016, and June 24, 2016, stating that before any more funds could be released 100% of the repairs had to be completed, an inspection had to take place, and all documentation such as contractor bids, license, Wforms, paid receipts/material invoices, and an Affidavit of Waivers of Lien from all contractors that performed repairs on the property would need to be sent to RushmoreHowever, in a good will gesture, an exception was made and a check for $10,was sent with Fed Ex tracking number [redacted] Per the Fed Ex website, the check was delivered June 27, Enclosed is a copy of the cashed checkShould you have any additional questions, please contact us at the phone number belowCustomer Service Department Monday through Thursday, 6:a.mto 7:p.mPacificFriday, 6:a.mto 6:p.mPacific Toll-free number 1.888,504.6700Sincerely,Compliance Department

[redacted] ***RE: [redacted] Dear [redacted] ***Rushmore Loan Management Services LLC (“Rushmore”) is responding to your correspondence submitted to the Revdex.com (Revdex.com) on January 26, 2018, regarding the mortgage loan account referenced above.Rushmore received your request for copies of phone transcripts associated with the management of your loanIn order to provide you with this information, we need the date and time for each call you are requesting a phone transcript of, or you may provide a copy of the email, referenced in your rebuttal, to assist us with locating the transcript of the conversationAs of the date of this correspondence, the account is four payments delinquent and contractually due for the November 1, 2017, monthly installmentIf you would like to discuss available payment assistance options, please call the assigned representative:Single Point of Contact (SPOC): [redacted] Should you have any additional questions, please do not hesitate to contact us.Loss Mitigation DepartmentMonday through Thursday, 6:a.mto 7:p.mPacific Friday, 6:a.mto 6:p.mPacific Toll-free number

Rushmore Loan Management Services LLC (Rushmore) is writing in response to your complaint filed with the Revdex.com received by our office on September 19, 2014, regarding the mortgage loan account referenced abovePlease note, Rushmore is the servicer of your Loan and the owner of your Loan is Ameritas Life Insurance Corporation We apologize for any inconvenience or misunderstanding this matter may have causedWe conducted an investigation and discovered an error on your account that previously prevented statements from being sent to youPlease note that the account error has been corrected at this timeBeginning the next billing cycle and going forward you will receive a monthly statement At Rushmore, all customer concerns are important to usAs of the date of this correspondence, the account is current and contractually next due for the October 1, monthly installmentShould you have any general questions other than those referenced in your correspondence,please contact: Customer Service Department Monday through Thursday, 6:a.mto 7:p.mPacific Friday, 6:a.mto 6:p.mPacific Toll-free number Sincerely, [redacted] ***

Dear [redacted] :Rushmore Loan Management Services LLC (“Rushmore”) is responding to your correspondence submitted to the Revdex.com (Revdex.com) on September 10, 2016, regarding the mortgage loan account referenced above.Rushmore received a payoff in the amount of $294,that was posted to your account on Monday, August 1, with an effective date of Friday, July 29, 2016, due to the payment being processed over the weekendYour account was set up on an ACH draft payment method with the next draft date set to occur on August 1, Unfortunately, the posting of the payoff and the ACH draft overlapped due to weekend processingACH drafting was cancelled as of August 2, 2016.On August 18, a refund check was issued to the address on file of [redacted] for $3,631.26, and on August 22, 2016, a second refund check was issued for $2,to the same addressRushmore was not provided with a new mailing address until you contacted our office on September 10, 2016, and updated your mailing address to [redacted] Both checks have since been returned to Rushmore as “unable to forward” on August 24, 2016, and August 29, 2016, respectivelyWe will be reissuing these checks to your new mailing address as of the date of this letter.Should you have any additional questions, please do not hesitate to contact us.Customer Service Department Monday through Thursday, 6:a.mto 7:p.mPacific Friday, 6:a.mto 6:p.mPacific Toll-free number 1.888.504.6700Sincerely,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 For your reference, details of the offer I reviewed appear below I have contacted your company repeatedly to try and pay my billHowever, the amount I need to pay is not reflected in your online systemThe erroneous amount continues to be reflected, at almost $more than I actually oweYour customer service people have told me that I can not pay the correct amount, neither on line nor by phone, until the system is correctedI would appreciate this being corrected, as that was the original purpose from the beginning of this issueI also don't appreciate you giving such specific information in your rebuttalThat information was not provided by me to the Revdex.com to begin with, and now if the Revdex.com posts this on their profile of your company it will be public knowledgeIn the future, I will appreciate you correcting your mistakes in a timely manner rather than two months and countless phone calls needing to occur./> Regards, [redacted]

Dear [redacted] :Rushmore Loan Management Services LLC (“Rushmore”) is responding to your rebuttalcorrespondence submitted through the Revdex.com (Revdex.com) portal which wasforwarded to Rushmore on September 20, 2017, regarding the mortgage loan account referencedabove.Rushmore complied with our obligation to respond to your correspondence with our responsedated August 31, Your current correspondence is substantially the same as your previouscorrespondence, and it does not contain new and material information.As stated in our previous response, as of August 22, 2017, the release of lien was recorded inbook OR13292, Page 7503, and Rushmore was advised by the County that the process ofimaging and returning the documents to Rushmore will take four to six weeks.Should you have any additional questions, please do not hesitate to contact us.Customer Service DepartmentMonday through Thursday, 6:a.mto 7:p.mPacificFriday, 6:a.mto 6:p.mPacificToll-free number 1.888.504.6700Sincerely,

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 [It is very obvious that either my reply was not read or was ignored to distort the facts When the insurance lapse was paid in FULL and Cashed by Rushmore on 12/15/it is not legal to open an escrow account The agent did ask for our preference and I did clearly mention that I paid it in full and an escrow is not required by lawWhen I call times and each month a “supervisor” and I have the names of the supervisors mention it has been rectified and obviously it wasn’t that is considered an illegal act of Handling a mortgage I will be keeping all the information handled as obviously I can’t trust this company managing my mortgage and other customers feels the same ] 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 I asked to be supplied with credit reports verifying that this incorrect information was not sent on to the credit reporting agencies This seems like a reasonable request to me Send a threatening letter in error, give a home owner the piece of mind they are asking for free of charge Regards, [redacted]

Dear [redacted] ***:Rushmore Loan Management Services LLC (Rushmore) is writing in response to your complaint file withthe Revdex.com (Revdex.com) on August 5, and received by our office August 11, 2015,regarding the mortgage loan account referenced abovePlease note, Rushmore is the servicer of yourLoan and the owner of your Loan is [redacted] doing business as [redacted] ***, not in its individual capacity but solely as Trustee for [redacted] , which is aprivately held trust.We have conducted an investigation in regard to your complaint and your recent application for mortgageassistanceOur records indicate that initially your documents for review were in part being summited toour Bankruptcy department rather than Loss MitigationAlthough communication between the two isopen, sending documents to the incorrect department can cause delays in what is readily available for theproper parties.As of the date of this correspondence, the account is contractually due for the November 1, monthlyinstallmentAt this time we have received a completed package and it is currently with underwriting for areview decisionShould you have any questions or concerns regarding the account, please call your newsingle point of contact:Single Point of ContactName: [redacted] Direct Number: [redacted] Rushmore Loan Management Services is a debt collector, who is attempting to collect a debtAny information obtained will be used for thatpurposeIf this debt is in or has been discharged in a bankruptcy proceeding, be advised this communication is not an attempt to collect the debtagainst youPlease note, however, we reserve the right to exercise the legal rights only against the property securing the original obligation..At Rushmore, all customer concerns are important to usShould you have any general questions otherthan those referenced in your correspondence, please contact:Bankruptcy DepartmentMonday through Thursday, 6:a.mto 7:p.mPacificFriday, 6:a.mto 6:p.mPacificToll-free number 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 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]

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 belowI asked to be supplied with credit reports verifying that this incorrect information was not sent on to the credit reporting agencies This seems like a reasonable request to me Send a threatening letter in error, give a home owner the piece of mind they are asking for free of charge Regards, [redacted]

Dear [redacted] ***: Rushmore Loan Management Services LLC (Rushmore) is responding to your complaint submitted to theRevdex.com (Revdex.com) on March 3, 2015, regarding the mortgage loan account referenced above.Please note, Rushmore is the servicer of the Loan and the owner of the Loan is [redacted] ***Society, FSB, doing business as [redacted] ***, not in its individual capacity but solely as Trustee for [redacted] , which is a privately held trust.We have conducted an investigation in regards to the recent Notice of Intent to ForeclosePlease notealthough [redacted] is not listed on the Note, he is listed and signed the Deed of TrustThismakes him a non-obligor of the Note and must be notified of the Foreclosure actionEnclosed you willfind a copy of the Deed of Trust for your records and reviewAs of the date of this correspondence, the account is contractually due for the November 1, monthlyinstallmentShould you have any questions or concerns regarding the account, please call: Single Point of Contact (SPOC):Name: [redacted] ***Direct Number: [redacted]