Complaints

This profile includes complaints for Real Time Resolutions, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Real Time Resolutions, Inc.

  1349 Empire Central Dr STE 150 Dallas, TX 75247-4029

  
• 

  Real Time Resolutions, Inc.

  PO Box 36655 Dallas, TX 75235-1655

  

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:02/12/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Sept. 2014 a judgment was reached on a property who was mortgaged by the ***************. The original loans were a first of 10% and a second of 10% thru Countrywide. It was a loan created so there would be no ************** After negotiating a modification with the bank and their not honoring it I hired an attorney. The judges were given a message to rule in favor of the banks so I agreed to let it go back to the bank with a stipulation that any deficiency would be waived. They are still saying I owed $26877. Because of the court order I owed nothing but even without that it was purchase money so legally I still would owe nothing without the court order. They arbitrarily chose a date to send this debt that they say I received these funds in the form of cancellation of debt in 2023. The *** is taxing me on it. This company failed to contact me to tell me this was their intention so I could set them straight. I am sure I sent them all of this data in 2014. I did phone and they don't answer. I already litigated this debt and see no reason to have to repeat the process 11 years later.

  Business Response

  Date: 02/24/2025

  Please allow this letter to serve as Real Time Resolutions, Inc.s (RTR) response to the complaint submitted to your office by ************* (the Complaint).  *** is committed to customer service and we hope that this response addresses the concerns raised in the Complaint.
  
  In the Complaint, the consumer states that a judgment was obtained in 2014 with respect to a mortgage originally made by ***********. The Complaint states that a stipulation was reached waiving any deficiency owed by the consumer. Recently, the consumer received an IRS Form 1099-C from RTR for cancellation of debt. In light of the above, the consumer believes this tax form was issued in error. *** will respond below.
  
  The consumer included a copy of a document entitled Report and Recommendations of the Magistrate dated August 29, 2014, from a lawsuit filed in Circuit Court of ****************, *******, Case No. ********CA. This lawsuit was a foreclosure action filed by the consumers first lien mortgage. Conversely, *** serviced the consumers former second lien mortgage. The Report and Recommendationprovided by the consumer solely relates to the consumers first lien mortgage. Nothing therein refers to the second mortgage serviced by ***. Accordingly, *** denies that this document is applicable to the second lien mortgage serviced by ****
  
  Moreover, even if the Report and Recommendation was applicable (which it is not), nothing therein excuses RTR or any other entity from its obligations under applicable law, including 26 CFR 1.6050P-1. The Form 1099-C was issued in compliance with applicable law. If the consumer has any questions about the effect of the 1099-C, *** recommends that she consult her tax advisor or other tax professional.
  
  RTR hopes this response is helpful. Please do not hesitate to contact *** with any additional questions.

  Customer Answer

  Date: 02/25/2025

  I am rejecting this response because:   the lawsuit was with regards to the whole property.  The home was purchased with a first and second originally.  The second was purchase money at the time of the purchase.  10% down and 10% 2nd.  The lawsuit incorporated both loans and the second was a part of that agreement.  Prove to me that it wasn't.  Also purchase money has a law that states a lender can't go after any short fall.  Thirdly, you need to prove to me that there was a shortfall.  Fourth you never contacted me to tell me your intention of filing against me and you chose an arbitrary date to file with the ****  This should have done immediately at the time I allowed the bank to take back my house in exchange for not having any liability for any short should there be one. It was for the house with both loans not just the first.  You are just trying to steal from me.  I have gone to court twice with regards to this house.  I can do it again. You should be ashamed of yourself for this fraud.

  Business Response

  Date: 02/26/2025

  Please allow this letter to serve as Real Time Resolutions, Inc.s (RTR) response to the follow-up complaint submitted to your office by Ms. ********** (the Complaint).  *** is committed to customer service and we hope that this response addresses the concerns raised in the Complaint.
  
  In the Complaint, the consumer states that she rejects RTRs prior response because the senior lien foreclosure lawsuit was in regards to the whole property and the agreement reached therein also related to this junior lien. The consumer also states that Floridas purchase money laws state that a lender cannot go after a consumer for any shortfall. The Complaint asks *** to demonstrate that there was a shortfall on her loan. Finally, the consumer takes issue with the timing of the filing of the Form 1099-C, which the consumer believes was submitted at an arbitrary date, instead of after the foreclosure filing. *** will once again respond below.
  
  Enclosed is a copy of that certain Stipulation executed by the consumer and her senior lienholder in that certain foreclosure lawsuit filed in Circuit Court of ****************,*******, Case No. ********CA. As can be seen, this agreement did not involve the junior lienholder or any other parties. The Stipulation refers to the Consent Final Judgment, which is also enclosed and reflects that the payoff balance on the first lien mortgage was over $379k. The property sold for $161,500 pursuant to the enclosed Bid Log and there were not any surplus funds resulting from the sale that were distributed to satisfy all or part of the balance of the junior lien pursuant to the enclosed Certificate of Disbursements. Collectively, these documents demonstrate that there was not any agreement relating to the junior mortgage and that the junior mortgage was not satisfied in any way from the foreclosure. Please note that these documents are publicly available on the Circuit Courts website, which the consumer may review at her leisure.
  
  While the Complaint contains a passing reference to purchase money laws, RTR is not aware of any such law that would prohibit RTR from issuing the aforementioned Form 1099-C. As stated in RTRs response, the Form 1099-C was issued in accordance applicable law, including 26 CFR 1.6050P-1. *** believes that the information and dates listed in the Form 1099-C are accurate and denies any suggestion of fraud or impropriety by the consumer. If the consumer has any questions about the effect of the 1099-C, *** recommends that she consult her tax advisor or other tax professional.
  
  RTR hopes this response is helpful. Please do not hesitate to contact *** with any additional questions.

  Customer Answer

  Date: 02/27/2025

  I am rejecting this response because: The first and second were the bank notes that were attached to the home that the bank...your bank obtained back from me.  the short fall in the agreement was referring to all notes.  You are incorrect that it doesn't refer to all notes.  You need to show me a low that it only refers to the first.  Secondly the loan was obtained from ********** in 2005 from ***********.  The law in ********** was in place for purchase money first and seconds to have no responsibility for the home owner if it went back to the bank and there was a short.  You don't even know where I got the original loan from.  You were given my loan from the * Of A after Countrywide went bankrupt.  All the data was not received from them and you are working blind.  You are sooooooo incorrect about this.  Also you can't just choose any year to charge me.  You must give me notice before hand and you did not.

  Also, shame on you for trying to get me to pay this when you know you are just trying to defraud me.  Karma is real...maybe you doo't think so but one day someone will do this to you.  I do not owe anything.  I went to court and that is the findings.  Nowhere in the court doc does it state it is just for the first.

  Customer Answer

  Date: 02/27/2025

  Yes, in ********** in 2005, under California Code of Civil Procedure Section 580b, a "purchase money second" mortgage on a home could not be considered a "short" in a foreclosure, meaning that a lender could not seek a deficiency judgment against the borrower if the foreclosure sale proceeds were not enough to cover the loan amount; this protection applies to both first and second mortgages used to purchase the home, as long as the property is a one-to-four unit dwelling occupied by the borrower. 
  Key points about this law:
  "Purchase money" means:
  A loan used to buy the property, not a loan taken out later for a home equity line of credit. 
  Protection against deficiency judgments:
  This law essentially protects borrowers from personal liability for the remaining debt after a foreclosure if the loan was a purchase money loan on their primary residence. 
  Applies to second mortgages:
  Even a second mortgage that is considered "purchase money" is protected under this law. 
  
  
  
  Foreclosure Law in ********** (By ******* *******, 2000 ...
  When the underlying loan is a purchase-money loan, the lender cannot obtain a deficiency judgment from the borrower i.e., it c...
  
  law offices of ******* *******, p.c.
  
  
  The California Anti-Deficiency Statute: Is It Ever Possible to Recover ...
  Jun 26, 2013 Apartment buildings would also be excluded if it contained more than four units. A more difficult issue is whether a s...
  
  *******, ******** & **** **** LPA
  
  
  Understanding California Anti-Deficiency Laws
  Jun 19, 2020 CCP 580b: No Deficiency for Purchase Money Loans on Owner-Occupied Residences. The most powerful of the Anti-Deficienc...
  
  ********************
  
  
  Show all
  
  
  

• Initial Complaint

  Date:11/29/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This collection agency is in charge of collecting past due *** ****. *** arranged a payment plan with this collection agency since July 2024. Made more than the specific amount required every month. Fast forward in November. I called November 19, 2024 about my balance not being updated and the balance not reflecting the payments made. The *** told me that she does not see a payment plan in place and my balance will incur interests since there isnt a payment plan. When I told her multiple times there is a payment plan that I made with the company. Told this *** that I would be paying off my balance early by January 2025. She assured me that I would need a payment plan and they would have to approve it first in which I never ask for one cause there was one already made. Made an additional payment on thanksgiving night, called on November 29, 2024 and got a *** on the phone telling me that my new balance is 1022 and I told him my balance was 722 and I made a payment last night so its ****************************************** Only to be out on hold and the *** telling me my balance is actually $1500 due to assessments fees for a payment plan! So upset knowing Im at work to hear this utter nonsense. The *** was not polite and actually said who handles my file will be back on Monday to call me pertaining this. Asking me over and over if Im disputing the balance and I would need to talk to her after the holidays. Sickening to know with all collection agencies I have ever dealt with this is by far the worst and what makes matters worse is knowingly paying and this company is inflating the balance. I could understand if someone is not paying but I pay more than enough and theyre still finding ways to keep me paying them making it predatory! They went as far with the original payment plan to charge over $300 just to setup a payment plan that they never tell you! My balance would have been paid if this company wasnt finding sneaky ways to get more fees added on.

  Business Response

  Date: 12/16/2024

  Please allow this letter to serve as Real Time Resolutions, Inc.s (RTR) response to the complaint submitted to your office by *.******** (the Complaint).  RTR is committed to customer service and we hope that this response addresses the concerns raised in the Complaint.
  
  In the Complaint, the consumer states that he has routinely made payments to RTR but his account balance does not reflect payments made. The consumer also states that he has been assessed fees for a payment plan. *** will respond below.
  
  Enclosed is a payment history reflecting all payments that the consumer has made to ***. As the consumer can see, all of his payments have been applied to the balance of his account. Further, RTR is not charging interest on the account and has not assessed any fees to set up a payment plan.
  
  While the consumers account is with RTR, his ********************** (***) dues accruing each month are to be paid to *** as well. The consumers HOA provides this balance to RTR each month, which is added to the consumers account balance with RTR.Accordingly, as reflected on the enclosed payment history, the consumers account balance is increasing $165 due to current, ongoing assessments. 
  
  RTR hopes this response is helpful. Please do not hesitate to contact *** with any additional questions.

  Customer Answer

  Date: 12/18/2024

  I have reviewed the business response and accept that $677.28 is the unpaid balance to settle this debt as a resolution.

• Initial Complaint

  Date:09/23/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On July 27, 2005, ******************** issued a 1 First Mortgage for 600K and a 2nd Purchase Mortgage for 75K, On April 5, 2010, *************** illegally foreclosed on my property which wiped out the non-recourse 2nd mortgage. I hired attorneys who sued *************** which Rescinded the First Mortgage only. *************** claims that a servicing transfer for the "2nd" was completed with ******************* in 2009, However, as of 2010 there was no 2nd mortgage, Per the California Code of Civil Procedures 580b (b) a lender can not obtain any kind of deficiency judgment for a Purchase Money 2nd once a foreclosure has taken place, in other words, the debt is gone. Real-Time Solutions not only does not have the power to make a demand on this debt, they are demanding twice the amount of the Recorded Deed of Trust for 75K. This is a scheme to defraud borrowers who had purchased money 2nds from lenders who sell them for an undisclosed price to bottom feeders such as ******************* who do not have the power to release the lien. In other words, ******************* is demanding 150K FOR WHAT? Under the Federal Collection Debt Act, the statute of Limitation has long passed, moreover, Real Time has never contacted me as a Loan Servicer per the definition. This is Fraud which is perpetrated on a borrower in the worst way.

  Business Response

  Date: 10/07/2024

  Please allow this letter to serve as Real Time Resolutions, Inc.’s (“RTR”) response to the complaint submitted to your office by Mr. Murphy (the “Complaint”).  RTR is committed to customer service and we hope that this response addresses the concerns raised in the Complaint.
  
  In the Complaint, the consumer states that he obtained senior and junior loans from Countrywide Mortgage in 2005. Then, in 2010, Bank of America foreclosed on his property, which “wiped out the non-recourse 2nd mortgage.” The consumer states that he retained counsel to sue Bank of America, which resulted in a rescission of the senior loan. The consumer states that RTR’s efforts to obtain payment with respect to the junior loan are therefore improper and fraudulent and that RTR has never contacted him previously as a loan servicer. RTR will respond below.
  
  First, RTR recognizes that the consumer obtained a discharged of his personal liability to repay the junior lien deed of trust serviced by RTR via Chapter 7 bankruptcy proceedings in 2012. Second, the rescission documents enclosed with the Complaint do not rescind the senior lien deed of trust. Rather, these documents rescind any foreclosure or default notices recorded by the senior lienholder. Further, the consumer’s bankruptcy records indicate that a stipulation was reached with the senior lienholder to “re-term” the senior lien deed of trust. As such, RTR does not believe any foreclosure of the property ever occurred, and to the extent any foreclosure occurred, such foreclosure was rescinded pursuant to the consumer’s agreement. If the consumer has questions about his bankruptcy discharge or the aforementioned stipulation, RTR recommends that the consumer contact his bankruptcy attorney.
  
  RTR has serviced the consumer’s junior lien deed of trust since 2009. In that time, RTR has sent the consumer various items of correspondence and made efforts to contact the consumer by telephone. In light of the information herein, RTR denies the consumer’s contention that RTR’s servicing of the junior lien deed of trust is improper or fraudulent.
  
  RTR hopes this response is helpful. Please do not hesitate to contact RTR with any additional questions.

• Initial Complaint

  Date:09/04/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a letter from Real Time Resolutions, attempting to collect a debt for ******** in ***********, ********. I signed on an account with my grand daughter when she was in ************ Years have passed since then, I dont mind paying a debt. ******** has never contacted me in any situation, be it phone call or letter. I dont feel obligated to pay Real Time Resolutions in any form. Furthermore they have my information which I did not give to Real Time Resolutions. Real Time Resolutions need to has no contact with me, I received a letter my mail from them. ******** could not get in contact with my grand daughter, so they sent it to a collection agency instead of contacting myself. I dont mind working with ********, I do not wish to do any type of business with Real Time Resolutions. Thank you very much.

  Business Response

  Date: 09/18/2024

  Please allow this letter to serve as Real Time Resolutions, Inc.s (RTR) response to the complaint submitted to your office by ******** (the Complaint).  *** is committed to customer service and we hope that this response addresses the concerns raised in the Complaint.
  
  In the Complaint, the consumer states that he received a letter from *** with respect to a debt owed to *********. The consumer states that ********* never contacted him and he does not wish to pay ***. The consumer states that he does not mind working with *********. *** will respond below.
  
  Last month, *** sent the consumer a letter explaining that this debt was transferred to *** for collections by ********* on July 30, 2024. However, in light of the consumers request in the Complaint to work directly with *********, *** will return this debt to ********* so that the consumer may work with them directly.
  
  RTR hopes this response is helpful. Please do not hesitate to contact *** with any additional questions.

• Initial Complaint

  Date:08/11/2024

  Type:Delivery Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Last pay August 2009 Bankruptcy 2012 15 yrs No Pay. RTR NO Answr Repeat Calls /VM Court prior:IV. CONCLUSION IT IS HEREBY ORDERED that Defendants Joint Motion for Reconsideration (ECF No. 26) is GRANTED. IT IS FURTHER ORDERED that the Courts July 21, 2021 Order shall be amended only to include the following clarification: the statute of limitations to foreclose on the subject Mortgage does not begin to run until May 2036. IT IS FURTHER ORDERED that Plaintiffs Motion for Reconsideration In particular, the Motion is granted to the extent is requests the Court convert is dismissal to one without prejudice and denied to the extent it argues Defendants Motion for Reconsideration (ECF No. 26) is not properly before the Court. IT IS FURTHER ORDERED that the Courts July 21, 2021 Order shall be converted to a DISMISSAL WITHOUT PREJUDICE It appears Plaintiff could seek his hypothetical relief via the discharge statute rather than a claim to quiet title and/or a declaratory judgment action. Nevertheless, Plaintiff argues it would be manifest injustice*. Plaintiffs contention has merit. The Court notes MCL ********, the discharge statute, permits the owner of a property to discharge a mortgage that has been satisfied or if 15 years have elapsed since the lien secured by the mortgage became due or the last payment was made. Because he did not originally bring a claim under Section 3175, Plaintiff would not be precluded from doing so after the statute of limitations expires if the Court were to deny Plaintiffs Motion However, out of an abundance of caution, and to ensure Plaintiff can benefit from the relief guaranteed him by the Michigan Legislature, the Court will convert its dismissal to one without prejudice so that Plaintiff may challenge the Mortgage via an action to quiet title.and/or seeking declaratory judgment in Michigan state court after the statute of limitations expires, if circumstances allow him to do so.

  Business Response

  Date: 08/12/2024

  Please allow this letter to serve as Real Time Resolutions, Inc.s (RTR) response to the complaint submitted to your office by ******************* (the Complaint).  RTR is committed to customer service and we hope that this response addresses the concerns raised in the Complaint.
  
  In the Complaint, the consumer states that he has not paid since 2009 and filed bankruptcy in 2012.The consumer also states that he has been unable to speak with RTR on the phone. Finally, the Complaint quotes language from an order entered by the United States District Court for the Eastern District of Michigan. In light of these items, the Complaint requests a release of lien. RTR will respond below.
  
  The consumer sued RTR in 2020 seeking to quiet title to his property on the basis that the mortgage lien serviced by RTR was no longer enforceable. The matter was removed to federal court. RTR filed a motion to dismiss, which was granted. RTR and the consumer then filed a joint motion for reconsideration to clarify the courts ruling. In March 2022, the court entered an order clarifying and correcting its prior ruling as requested by RTR. Specifically, the courts order stated: The Mortgage therefore remains a valid and enforceable lien on the Property where [Defendant] has until May 1, 2051the latest period of time pursuant to Section 5803to foreclose. As this matter has already been litigated, RTR does not believe that the consumers date of last payment or bankruptcy filing or discharge dates are germane. As stated by the court, this mortgage lien is valid and enforceable until 2051.
  
  RTR provided the consumer with loss mitigation options on July 23, 2024. RTR left a voicemail for the consumer on July 25, 2024. RTR then spoke to the consumers representative on July 30, 2024. The consumer called RTR on August 9, 2024, but no representative was available to take his call. RTR intends to return the consumers call in the near future; alternatively, the consumer may contact RTR again and/or may request a call back at a specified time via RTRs website.
  
  In light of the above, RTR declines to release the subject mortgage lien. Otherwise, RTR hopes this response is helpful. Please do not hesitate to contact RTR with any additional questions.

  Customer Answer

  Date: 08/13/2024

  I am rejecting this response because:   you said RTR provided the consumer with loss mitigation options on July 23, 2024. RTR left a voicemail for the consumer on July 25, 2024. RTR then spoke to the consumers representative on July 30, 2024. The consumer called RTR on August 9, 2024, but no representative was available to take his call. RTR intends to return the consumers call in the near future; alternatively, the consumer may contact RTR again and/or may request a call back at a specified time via RTRs website.

  That is Wrong!  We have never received migation options!. You cant talk to No One on their messsge system!!   Speak to a *** who repeatedly transfers u to Voicemail. Was told via RTR staff that it had been reduced from 24 ppl to a 1 man office!  Left a time an date on Website an no one called back!

  *** *** been calling 2 x a day to help give me relief or/me chosing go back to court again for discharge of 15 years status relief since the Judge final Ruling was W/out Prejudice. Left open if we chose the option do a correct relief filing Sec 3175 for 15 year relief.

  RTR finally responded on July ***** saying in Response to mitagation forms "we had sent" asking for $120,000 cash settlmen, they respond saying saw the house on market.  ** *** called you twice a day an got no response besides VM left prior on which he REPEATEDLY HAVE CALL BACK. RTR DOEST Answer. 

  We therfore sent paperwork of request of mitagation package back "Showing house was Not On Market"  . No One Wants To Deal w/RTR known for  sticking it to homowners by any means.! I am trying live out my left time as a senior w/ailing health an a widower on a fix income. I can let let the house just go for its hard 2 maintain.

  Back taxes owed an its upthere. Was told by City, the minute i stop paying on/their plan they have me on, The City Will **** Take it . ***** was just broken into last week tried strip it outside.  If the options are available pls send! .Or stay w/kids. Offer to settle w/errthing givn to me. 120,000

  Can u mitagation settle it asap. Im am stressed an not good for my health, heart. What day can i get a payoff meet /answer.

  Business Response

  Date: 08/21/2024

  Please allow this letter to serve as Real Time Resolutions, Inc.s (RTR) response to the follow-up complaint submitted to your office by ******************** (the Complaint).  RTR is committed to customer service and we hope that this response addresses the concerns raised in the Complaint.
  
  In the Complaint,the consumer states that he is rejecting RTRs prior response because he never received RTRs loss mitigation options and has not been able to speak to one of RTRs representatives. Since the consumer filed the Complaint, RTR has exchanged emails with the consumers attorney, spoken to the consumer and the attorney on the phone, and confirmed that the consumer has in fact received RTRs loss mitigation options. RTR also emailed the loss mitigation options to the consumers attorney.
  
  As of the date of this response, the consumer (and his attorney) and RTR are still exploring a potential resolution of the subject mortgage account. In light of the above explanation,RTR does not believe any further action is necessary in response to the Complaint.
  
  Once again, RTR hopes this response is helpful. Please do not hesitate to contact RTR with any additional questions.

  Customer Answer

  Date: 08/21/2024

  I have reviewed the business response and accept that a resolution is desired. 

  Looking forward to having an attainable mutual resolution to try to resolve this matter. 

• Initial Complaint

  Date:05/08/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  o Whom It May *********** referenced loan number on the attached documentation is WAY WAY past the Delaware Statute of Limitations, therefore I should NOT BE CHARGED ANYTHING and WITH THAT BEING SAID I AM NO POSITION TO PAY ANYTHING NOT EVEN $5-20 a month as I am POOR and homeless without a car. I have no financial support or resources as I have been cut off/disowned by everyone and I have been denied unemployment benefits multiple times. I have applied for various benefits and jobs without any luck. I am kindly asking you all to forgive this debt that is past the Statute of Limitations and my future and/current income WILL NOT SUPPORT ANY DEBTS.

  Business Response

  Date: 05/23/2024

  Please allow this letter to serve as Real Time Resolutions, Inc.s (RTR) response to the complaint submitted to your office by *************** (the Complaint).  RTR is committed to customer service and we hope that this response addresses the concerns raised in the Complaint.
  
  In the Complaint, the consumer states that his loan is beyond the statute of limitations. As a result of the purported expiration of the statute of limitations and his inability to pay, the consumer is requesting forgiveness of his debt and payment of $1,500.00 for unspecified ***** violations. RTR will respond below.
  
  RTR recently responded to a similar complaint submitted by the consumer to the ***** In its prior response, RTR advised the consumer that it has not serviced this debt in over three years. RTR also has not made any efforts to contact the consumer in that time and is not furnishing credit information with respect to this debt. Given that RTR no longer has any association with this debt, RTR is unable to provide forgiveness of this debt.
  
  RTR also denies that it has violated the ***** whatsoever. Moreover, the ***** has a one-year statute of limitations. Given that RTR has not serviced this debt in over three years, any alleged act or omission by RTR is beyond the statute of limitations.Accordingly, RTR declines the consumers request for payment and does not believe any such relief is warranted.
  
  RTR hopes this response is helpful. Please do not hesitate to contact RTR with any additional questions.

  Customer Answer

  Date: 05/24/2024

  I am rejecting this response because:  This loan is WAY PAST Statute OF LIMITATIONS AND THEY NEED TO PAY!!! THEY ARE LIARS!!!

  Business Response

  Date: 06/04/2024

  Please allow this letter to serve as Real Time Resolutions, Inc.s (RTR) response to the follow-up complaint submitted to your office by **************** (the Complaint).  RTR is committed to customer service and we hope that this response addresses the concerns raised in the Complaint.
  
  After review, RTR does not believe any additional response is required. As stated in RTRs prior responses to the **** and BBB, RTR has not serviced this debt in over three years and has not made any efforts to contact the consumer in that time. RTR also is not furnishing credit information with respect to this debt. Again,because RTR no longer has any association with this debt, RTR is unable to provide forgiveness of this debt.
  
  RTR denies that consumer is entitled to payment or damages. Once again, RTR hopes this response is helpful. Please do not hesitate to contact RTR with any additional questions.

  Customer Answer

  Date: 06/05/2024

  see attached

  Business Response

  Date: 06/05/2024

  Please allow this letter to serve as Real Time Resolutions, Inc.s (RTR) response to the follow-up complaint submitted to your office by **************** (the Complaint).  RTR is committed to customer service and we hope that this response addresses the concerns raised in the Complaint.
  
  In the Complaint, the consumer states that RTR committed multiple ***** violations in 2018 and 2021.As a result, the consumer requests over $65,000 in damages. In one of RTRs prior responses, RTR stated:
  
  RTR also denies that it has violated the ***** whatsoever. Moreover, the ***** has a one-year statute of limitations. Given that RTR has not serviced this debt in over three years, any alleged act or omission by RTR is beyond the statute of limitations.Accordingly, RTR declines the consumers request for payment and does not believe any such relief is warranted.
  
  This response remains applicable. While RTR is sympathetic to the consumers circumstances,RTR denies that it has acted improperly and does not believe any payment of purported damages is warranted.
  
  RTR hopes this response is helpful. Please do not hesitate to contact RTR with any additional questions.

  Customer Answer

  Date: 06/05/2024

  I am rejecting this response because:  I want some form of payment by Saturday afternoon. They are a bunch of predatory lying crooks and they will pay or I will be filing a lawsuit against them once I can get an attorney to take my case and they did violate the ***** as I provided them with medical proof. I want $11,000 for the violation and lost wages.

  Customer Answer

  Date: 07/24/2024

  I have explained to them SEVERAL TIMES OF INABILITY TO PAY AND THAT IS PAST THE STAUTE STATE LIMITATIONS!!!! THEY CAN *** ME BUT I CANNOT PAY!!

• Initial Complaint

  Date:04/19/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In October 2023 my loan account ************ was transferred to Real Time Resolutions. I spoke with a representative in October and informed the company I would be making an additional $1200 principal payment each month. I was told my account would be notated to ensure the payment was applied. The funds were misapplied. I sent an additional $1200 in November, December, January and February. Each month I called because the payment was misapplied and each month I was told it would be corrected going forward and the account would be notated. I sent a $1700 principal only payment in April. The payment was misapplied. When I spoke to the representative I informed the company that I feel Real Time Resolutions are intentionally and deliberately stealing funds and I will be filing a formal complaint with them and with other outside entities such as Consumer Finance and BBB. I need Real Time Resolutions to discontinue these shady financial practices and apply the funds correctly and appropriately.

  Business Response

  Date: 05/03/2024

  Please allow this letter to serve as Real Time Resolutions, Inc.s (RTR) response to the complaint submitted to your office by ************* (the Complaint).  RTR is committed to customer service and we hope that this response addresses the concerns raised in the Complaint.
  
  In the Complaint, the consumer states that she has been submitting additional payments to RTR that were intended to be applied to her principal balance. The Complaint states that RTR failed to properly apply her payments to principal on several occasions per the consumers request. RTR will respond below.
  
  The consumer is correct. RTR inadvertently failed to initially apply the consumers payments to the principal balance of her account as directed by the consumer. Due to an oversight, RTR first overlooked the specific notation and endorsement on the consumers checks. Subsequent checks were mailed to RTRs lockbox address and were automatically applied to the account without reference to the consumers designation in the regarding line.
  
  RTR apologizes for any inconvenience. RTR has already corrected the issue and reapplied the consumers payments to the principal balance of her account. Moving forward,RTR has notated the consumers account to ensure that this does not happen again. RTR appreciates the opportunity to service the consumers account.
  
  RTR hopes this response is helpful. Please do not hesitate to contact RTR with any additional questions.

  Customer Answer

  Date: 05/06/2024

  I am rejecting this response because:   I would like an updated account statement sent by mail and by email showing the reconciliation of all principal payments made (beginning in October 2023 to date) as well as the removal of any erroneous charges and fees on my account. I would like proof of what the current remaining principal balance of my account is so that I can audit and compare it to my records. 

  Business Response

  Date: 05/16/2024

  Please allow this letter to serve as Real Time Resolutions, Inc.s (RTR) response to the follow-up complaint submitted to your office by ************** (the Complaint).  RTR is committed to customer service and we hope that this response addresses the concerns raised in the Complaint.
  
  In the Complaint, the consumer states that she rejects RTRs prior response and would like an updated account statement showing the reconciliation of all payments made and the removal of any charges or fees on her account. The consumer also requests proof of the current principal balance on her account. RTR will respond to those items below.
  
  Enclosed is RTRs Loan History Summary, which reflects that the consumers account is paid through the May 2024 installment and the accounts principal balance is $10,489.93. The Loan History Summary also shows the application of all payments received, including the reversal and reapplication of payments solely to principal as referenced in RTRs prior response. RTR is not seeking to collect any fees from the consumer and has previously waived late charges that accrued on the account earlier this year due to the error referenced in RTRs prior response.
  
  RTR hopes this response is helpful. If the consumer has any additional questions after reviewing the enclosed document, RTR will be happy to address those questions at that time.

• Initial Complaint

  Date:02/26/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Business has recently been given my modification information and will not provide me with any paper work only telling me to pay or the will take my home which this modification has been changed several times starting with GreenPoint Mortgage to Country Wide Mortgage then ***** ********** , then to **** of America **** only to end at this Company o which I no nothing about all changes made without my knowledge .

  Business Response

  Date: 03/08/2024

  Please allow this letter to serve as Real Time Resolutions, Inc.s (RTR) response to the complaint submitted to your office by ******************* (the Complaint).  RTR is committed to customer service and we hope that this response addresses the concerns raised in the Complaint.
  
  In the Complaint, the consumer states that he modified his loan but has not been provided with any paperwork with respect to the modification. Enclosed is a copy of that certain Forbearance Agreement that the consumer executed with RTR in 2023.
  
  RTR hopes that this response is helpful. If there is any other documentation that the consumer is seeking, he should not hesitate to contact RTR with additional requests.

• Initial Complaint

  Date:02/26/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Mortgage fraudulent,Original Equity line 2007 Amount: ******* Today 2024, amount owe 100 000 Maturity date 2027 No credit for money paid for almost 20 years.Monthy payments varies all the time.Refuse to provide promissory note, draw period, repayment t period.

  Business Response

  Date: 03/08/2024

  Please allow this letter to serve as Real Time Resolutions, Inc.s (RTR) response to the complaint submitted to your office by **************************** (the Complaint).  RTR is committed to customer service and we hope that this response addresses the concerns raised in the Complaint.
  
  In the Complaint,the consumer requests a copy of her promissory note that identifies her loan terms.To that end, enclosed is a copy of the consumers promissory note, which bears her signature.
  
  RTR hopes that this response is helpful. Please do not hesitate to contact RTR with any additional questions or concerns.

• Initial Complaint

  Date:02/20/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The company bought a second mortgage in 2013 from ******************** Network who went out of business for fraud. They foreclosed on our property and sold the house for more than what was owed and then didnt pay off the second loan. We have not received anything from this Real Time Resolutions until now and we received a 1099 C from them in the amount of the second mortgage. This was foreclosed on in 2009 and Real Time bought the loan in 2013 since 2013 we have heard nothing of this loan

  Business Response

  Date: 03/08/2024

  Please allow this letter to serve as Real Time Resolutions, Inc.s (RTR) response to the complaint submitted to your office by *********** (the Complaint).  RTR is committed to customer service and we hope that this response addresses the concerns raised in the Complaint.
  
  The consumer also raised the items asserted in the Complaint in a dispute submitted directly to RTR.Yesterday, RTR responded to the consumers dispute and mailed a letter directly to the consumer. RTRs letter is also responsive to the Complaint. A copy of RTRs letter is enclosed.
  
  RTR hopes that this response is helpful. Please do not hesitate to contact RTR with any additional questions or concerns.

  Customer Answer

  Date: 03/11/2024

  I am rejecting this response because:   I have reached out to Real Time Resolutions several times through email asking for the loan information from Ocwen and asking for information proving they have tried to contact us.   We settled this with Ocwen when the house was foreclosed on.  On our credit report it states Ocwen closed acount.   How Real Time Resolution acquired this information, I don't know.  Real Time Resolutions was no where on our credit report.   This is a bogus 1099C and they need to fix it.  I have contacted the ** office, Consumer Finance, and also filed with *************************

  Business Response

  Date: 03/18/2024

  Please allow this letter to serve as Real Time Resolutions, Inc.s (RTR) response to the follow-up complaint submitted to your office by ************ (the Complaint).  RTR is committed to customer service and we hope that this response addresses the concerns raised in the Complaint.
  
  The consumer states that he rejects RTRs prior response because he has reached out to RTR several times via email seeking loan information from Ocwen and asking for information proving that they have tried to contact us. The consumer reiterates his claim that they settled this with ***** when their house was foreclosed on. The consumer states that ***** has listed this as a closed account on their credit report. As a result, the consumer again states that this 1099-C is improper and needs to be rescinded. RTR will respond below.
  
  The consumers emails to RTR sought loan information and the loan number from Ocwen Loan Servicing,as well as copies of all prior correspondence sent by RTR. To that end, enclosed is correspondence from Ocwen advising the consumer of its acquisition of servicing of this loan, as well as ****** notice regarding the transfer of servicing to RTR. The Ocwen loan number is contained in the former letter. Also enclosed is a 2014 letter from RTR that provided the consumer with copies of the subject promissory note, RTRs servicing transfer notice, and the aforementioned Ocwen servicing transfer notice. Finally, the consumers request for all correspondence sent by RTR is ****** broad and would be unduly burdensome.Nevertheless, enclosed are 28 additional letters sent by RTR from 2016 to 2023 prior to RTRs issuance of the Form 1099-C. RTR believes that these letters sufficiently demonstrate RTRs regular servicing of this obligation and the propriety of the 1099-C.
  
  Finally, RTR does not possess a copy of any credit reporting from ***** but does not believe it is dispositive in this matter. Nevertheless, if the consumer wishes to provide a copy, RTR will review and provide a further response at that time.
  
  In light of the above, RTR believes that the Form 1099-C is proper. RTR again hopes that this response is helpful. Please do not hesitate to contact RTR with any additional questions or concerns.

  Customer Answer

  Date: 03/26/2024

  I am rejecting this response because:   I have asked for proof from ***** of our loan information.  The Ocwen Loan number that is on the letter provided does not exist.   I have contacted PHH Mortgage who took over *****.   They have no information for me or for that loan number.   That letter looks very put together in pieces.   I have also asked for you to provide proof that you have tried to collect this loan.   All that you sent proof of was the form above.   I had never heard of your company until the 1099 C.  I settles all of this with Ocwen years ago.   Also called on 3/13/24 and spoke with ************************* he stated RTR is in a review process, collections are paused, and that RTR can no longer speak with me and that they will be reaching out with a resolution through mail.   
  They cant speak with me about money they are trying to collect??

  Business Response

  Date: 05/23/2024

  
  Please allow this letter to serve as Real Time Resolutions, Inc.s (RTR) response to the follow-up complaint submitted to your office by ************ (the Complaint).  RTR is committed to customer service and we hope that this response addresses the concerns raised in the Complaint.
  
  The consumer states that he rejects RTRs prior response because ***** and PHH Mortgage have informed him that they have no information associated with the Ocwen loan number contained in the correspondence enclosed with RTRs prior response. The consumer also states that the letter provided looks very put together in pieces. The consumer states that RTR failed to provide proof that it made efforts to collect upon this loan and he never heard of or from RTR until issuance of the *** 1099-C. RTR will respond below.
  
  RTR believes that its prior response was responsive to the consumers Complaint. Unfortunately, RTR has no knowledge of the recordkeeping processes of ***** and/or PHH Mortgage.The documentation provided by RTR with its prior response was a true and correct copy of the referenced correspondence as contained in RTRs business records. A copy of the letter was provided to RTR previously as part of the transfer of servicing of this loan.
  
  RTR also respectfully rejects the consumers statement that RTR failed to provide proof that it made efforts to collect upon this debt. RTRs prior responses included 28 letters sent by RTR from 2016 to 2023, as well as a 2014 letter from RTR that included documentation such as the subject promissory note and RTRs initial letter regarding the transfer of servicing. For referenced, RTR has once again enclosed copies of these letters. RTR believes that this documentation demonstrates RTRs consistent efforts to service this loan and contact the consumer.
  
  As stated in RTRs prior responses, RTR believes that the Form 1099-C is proper. RTR does not possess any information to the contrary and the consumer has not supplied any such information. If the loan was previously settled as contended, then the consumer may have incurred tax liability with respect to this debt at that time. If so, the consumer should provide RTR with a copy of any prior tax form or 1099-C received with respect to this debt. RTR again hopes that this response is helpful.
  
  Please do not hesitate to contact RTR with any additional questions or concerns.