|
11614647
|
2025-01-20
|
Credit monitoring or identity theft protection services
|
Mortgage
|
|
| Issue |
Credit monitoring or identity theft protection services
|
| Timely |
Yes
|
| Company |
Real Time Group, Inc.
|
| Product |
Mortgage
|
| Sub Issue |
Billing dispute for services
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2025-01-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-22
|
|
|
4817957
|
2021-10-18
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Real Time Group, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-10-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-11-01
|
| Complaint What Happened |
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.
The XXXX and XXXX Credit Bureaus are reporting inaccurate information on REAL TIME RESOLUTIONS ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1581082
|
2015-09-25
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
| Issue |
Loan modification,collection,foreclosure
|
| Timely |
Yes
|
| Company |
Real Time Group, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Home equity loan or line of credit
|
| Date Received |
2015-09-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-09-25
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2550719
|
2017-06-14
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Real Time Group, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2017-06-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-06-15
|
| Complaint What Happened |
This property was listed on XXXX XXXX , 2016. There are 2 mortgages on this property. We received an approval from the first bank and they agreed to pay the second bank Real Time Resolutions {$6000.00}. Real Ti me Resolutions asked for the payoff letter from the first bank and then declined the offer and request an amount of {$22000.00}. After going through a divorce, which left me with sole financial responsibility for the property, I depleted my savings trying to maintain the payments for as long as I could. I was then forced to sell the property after being unable to make the payments. I was unaware that my home was in an area that lost so much value. I never expected to sell at a loss since I had already depleted all of my savings. The home is in need of repairs however I currently have a buyer, that was approved by the first lien holder.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1977951
|
2016-06-21
|
Taking/threatening an illegal action
|
Debt collection
|
|
| Issue |
Taking/threatening an illegal action
|
| Timely |
Yes
|
| Company |
Real Time Group, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to sue on too old debt
|
| Sub Product |
Mortgage
|
| Date Received |
2016-06-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-06-21
|
| Complaint What Happened |
Debt is uncollected-Expired statute of limitations.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1799150
|
2016-02-22
|
Other
|
Mortgage
|
|
| Issue |
Other
|
| Timely |
No
|
| Company |
Real Time Group, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Other mortgage
|
| Date Received |
2016-02-22
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-03-08
|
| Consumer Consent Provided |
N/A
|
|
|
1307193
|
2015-03-30
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
Real Time Group, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Other mortgage
|
| Date Received |
2015-03-30
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-04-02
|
| Consumer Consent Provided |
N/A
|
|
|
508018
|
2013-08-28
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
Real Time Group, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Second mortgage
|
| Date Received |
2013-08-28
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2013-08-29
|
| Consumer Consent Provided |
N/A
|
|
|
3285066
|
2019-06-24
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Real Time Group, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2019-06-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-06-24
|
| Complaint What Happened |
I previously submitted the following complaint : I have previously submitted this complaint. Real Time Resolutions ( RTR ) is the current servicer of a loan that had previously been serviced by XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX had reported the loan as a charge off more than 6 years ago. In RTR 's response to my complaint they attempt to claim that XXXX 's reporting was incorrect and that my complaint was directed at the wrong servicing company. Although I have never stated that the RTR they continue to take that position, and it appears that their only reason for doing so is to support their " belief '' that they are properly reporting the loan. I have requested XXXX to notify myself in writing, with a copy to RTR, confirming that XXXX ' prior reporting was in fact correct. This is a simple verification that RTR could have done with XXXX but they continue to fail and refuse to do so. I have obtained limited relief from XXXX who was able to determine that RTR was in fact a duplicate report of this account that had been reported by XXXX more than six years ago, and in fact removed RTR 's reporting from XXXX. However, RTR continues to report the loan to XXXX who to date continues to include RTR 's reporting on my credit, even though the prior charge off had been reported more than six years ago. I need RTR 's reporting of the account to stop immediately and for them to remove any prior reporting of this account. RTR should also provide any and all documentation provided at the time of transfer which indicates if this loan was in fact previously reported as a charge off, or if the account was transferred as a current account, not merely state their belief, that conveniently supports their position. Further, RTR should b e held accountable for their actions.
As noted in the complaint, I do not have a dispute with XXXX. RTR has for the second time responded that they believe they are reporting this properly, but once again fail to submit any documentation or other basis for their belief. When the loan was transferred to RTR the loan was properly listed as a charge off by XXXX. ( I HAVE NO COMPLAINT AGAINST SLS FOR THIS, and RTR 's ATTEMPT TO INCLUDE THAT IN THEIR RESPONSE IS TO MERELY SHIFT THE FOCUS AWAY FROM THEIR ACTIONS.
RTR is well aware that this loan was a charge off prior to their obtaining the service rights for this loan. That charge off was reported for more than 6 years. RTR did not start reporting this loan for many month after the acquisition, and their reporting of an old derogatory item that is ready to be removed from my credit history is patently unfair. THIS IS NOT THE FAULT OF XXXX, THIS IS SOLELY DUE TO THE ACTIONS OF RTR AND THEY MUST STOP THE REPORTING IMMEDIATELY.
Thank you for you attention in this matter.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2057612
|
2016-08-10
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Real Time Group, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Right to dispute notice not received
|
| Sub Product |
Mortgage
|
| Date Received |
2016-08-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-08-10
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1010478
|
2014-09-02
|
Other
|
Mortgage
|
|
| Issue |
Other
|
| Timely |
Yes
|
| Company |
Real Time Group, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Home equity loan or line of credit
|
| Date Received |
2014-09-02
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-09-08
|
| Consumer Consent Provided |
N/A
|
|
|
8385032
|
2024-02-20
|
Struggling to pay mortgage
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Real Time Group, Inc.
|
| Product |
Mortgage
|
| Sub Issue |
Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
| Sub Product |
Home equity loan or line of credit (HELOC)
|
| Date Received |
2024-02-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-20
|
| Complaint What Happened |
We had an XX/XX/20 mortgage on a home bought in XXXX the mortgages were sold repeatedly. We stopped hearing from the owners of the 20 % mortgage over 10 years ago but have remained current on the 80 % mortgage. We recently received Intent to Foreclose documents from the new owners of the zombie 20 % mortgage that we have not heard from in over 10 years.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9937900
|
2024-08-14
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Real Time Group, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2024-08-14
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-27
|
| Consumer Consent Provided |
N/A
|
|
|
8025934
|
2023-12-19
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Real Time Group, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Notification didn't disclose it was an attempt to collect a debt
|
| Sub Product |
Mortgage debt
|
| Date Received |
2023-12-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-24
|
| Complaint What Happened |
I had a second mortgage with a company called XXXX. I made on time payments. My automatic payments are now being collected by a debt collection company called Real Time Resolutions. The problem is I have never been late or in default with my payments to XXXX. XXXX surrendered their license in XX/XX/2022. I received a letter stating that the statute of limitations has run out on this debt. I am disputing this debt. I should not be in collections for a debt that I was consistently paying.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2959417
|
2018-07-10
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Real Time Group, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2018-07-10
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-07-10
|
| Consumer Consent Provided |
N/A
|
|
|
2220525
|
2016-11-22
|
Other
|
Mortgage
|
|
| Issue |
Other
|
| Timely |
Yes
|
| Company |
Real Time Group, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Other mortgage
|
| Date Received |
2016-11-22
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-11-22
|
| Consumer Consent Provided |
N/A
|
|
|
6987171
|
2023-05-16
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Real Time Group, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2023-05-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-21
|
| Complaint What Happened |
I mailed a qualified written request ( " QWR '' ) to Real Time Resolutions , Inc. ( " RTR '' ) on XX/XX/2023. In that QWR, I requested : ( 1 ) a copy of my note; ( 2 ) a copy of any modification agreements from origination to present ; and ( 3 ) a payment history from origination to present. That QWR was delivered to RTR on XX/XX/2023. On XX/XX/2023, RTR acknowledged this request. However, to date, I have not received the requested documents and information from RTR.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1188305
|
2015-01-09
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
| Issue |
Loan modification,collection,foreclosure
|
| Timely |
Yes
|
| Company |
Real Time Group, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Other mortgage
|
| Date Received |
2015-01-09
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-01-14
|
| Consumer Consent Provided |
N/A
|
|
|
857635
|
2014-05-19
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
| Issue |
Loan modification,collection,foreclosure
|
| Timely |
Yes
|
| Company |
Real Time Group, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Other mortgage
|
| Date Received |
2014-05-19
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-05-21
|
| Consumer Consent Provided |
N/A
|
|
|
608625
|
2013-11-22
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Real Time Group, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Mortgage
|
| Date Received |
2013-11-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2013-11-26
|
| Consumer Consent Provided |
N/A
|
|
|
1638783
|
2015-11-04
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
No
|
| Company |
Real Time Group, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Not disclosed as an attempt to collect
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2015-11-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-11-04
|
| Complaint What Happened |
Real Time Resolutions refuses to stop reporting to the Credit Agencies that it is a closed collection account. Every month they report a late payment on an open account, I have tried numerous times to stop this and they refuse. XXXX has even called them with me on the phone to confirm that it is a closed collection account and they then admit that it is a closed collection account. However Real time tells XXXX to send in writing to confirm its a closed account before they will stop. This happens every month. What can I do to stop this false reporting by Real Time Resolution.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3287891
|
2019-06-26
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Real Time Group, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2019-06-26
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-06-26
|
| Consumer Consent Provided |
N/A
|
|
|
2790547
|
2018-01-23
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Real Time Group, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Other debt
|
| Date Received |
2018-01-23
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-01-23
|
| Consumer Consent Provided |
N/A
|
|
|
3180876
|
2019-03-15
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Real Time Group, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Home equity loan or line of credit (HELOC)
|
| Date Received |
2019-03-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-03-15
|
| Consumer Consent Provided |
Other
|
|
|
1226090
|
2015-02-05
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Real Time Group, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Mortgage
|
| Date Received |
2015-02-05
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-02-10
|
| Consumer Consent Provided |
N/A
|
|
|
1596242
|
2015-10-07
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
No
|
| Company |
Real Time Group, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was discharged in bankruptcy
|
| Sub Product |
Mortgage
|
| Date Received |
2015-10-07
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-10-09
|
| Consumer Consent Provided |
N/A
|
|
|
2974316
|
2018-07-26
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Real Time Group, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Mortgage debt
|
| Date Received |
2018-07-26
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-07-26
|
| Consumer Consent Provided |
N/A
|
|
|
3679984
|
2020-06-02
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Real Time Group, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Impersonated attorney, law enforcement, or government official
|
| Sub Product |
Mortgage debt
|
| Date Received |
2020-06-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-06-02
|
| Complaint What Happened |
Real Time Resolutions ( RTR ) was sending me statements for years, every time with different amount on it. Lately I was trying to finally call and resolve it.
-RTR is presenting themselves as a Mortgage Company ( No mortgage License in NY State ) .After inquiring about their license I received a letter that they are a collection company .FDCPA violation. ( letter attached ) -RTR Collecting a Debt that is 12 years old. Statue of limitation is passed 6 years already .FDCPA violation -RTR cant prove that they owe the debt or that debt were assigned to them.FDCPA violation -RTR doesn't stop mailing statements even after validation, disputing and exchanging about 8 letters .FDCPA violation
|
| Consumer Consent Provided |
Consent provided
|
|
|
3268953
|
2019-06-09
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Real Time Group, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2019-06-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-06-09
|
| Complaint What Happened |
I have previously submitted this complaint. Real Time Resolutions ( RTR ) is the current servicer of a loan that had previously been serviced by XXXX XXXX XXXX, ( XXXX ).
XXXX had reported the loan as a charge off more than 6 years ago. In RTR 's response to my complaint they attempt to claim that XXXX 's reporting was incorrect and that my complaint was directed at the wrong servicing company. Although I have never stated that the RTR they continue to take that position, and it appears that their only reason for doing so is to support their " belief '' that they are properly reporting the loan.
I have requested XXXX to notify myself in writing, with a copy to RTR, confirming that XXXX ' prior reporting was in fact correct. This is a simple verification that RTR could have done with XXXX but they continue to fail and refuse to do so.
I have obtained limited relief from XXXX who was able to determine that RTR was in fact a duplicate report of this account that had been reported by XXXX more than six years ago, and in fact removed RTR 's reporting from XXXX.
However, RTR continues to report the loan to XXXX who to date continues to include RTR 's reporting on my credit, even though the prior charge off had been reported more than six years ago.
I need RTR 's reporting of the account to stop immediately and for them to remove any prior reporting of this account. RTR should also provide any and all documentation provided at the time of transfer which indicates if this loan was in fact previously reported as a charge off, or if the account was transferred as a current account, not merely state their belief, that conveniently supports their position.
Further, RTR should b e held accountable for their actions.
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| Consumer Consent Provided |
Consent provided
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2887738
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2018-04-05
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Trouble during payment process
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Mortgage
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| Issue |
Trouble during payment process
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| Timely |
Yes
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| Company |
Real Time Group, Inc.
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| Product |
Mortgage
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| Sub Product |
Other type of mortgage
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| Date Received |
2018-04-05
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| Submitted Via |
Referral
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2018-04-25
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| Consumer Consent Provided |
N/A
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9288048
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2024-06-18
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Problem with a company's investigation into an existing problem
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Credit reporting or other personal consumer reports
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|
| Issue |
Problem with a company's investigation into an existing problem
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| Timely |
Yes
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| Company |
Real Time Group, Inc.
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| Product |
Credit reporting or other personal consumer reports
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| Sub Issue |
Problem with personal statement of dispute
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| Sub Product |
Credit reporting
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| Date Received |
2024-06-18
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2024-06-25
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| Complaint What Happened |
I had a loan with XXXX XXXX XXXX company on XX/XX/XXXX. Without my knowledge or my consent the loan 's ownership was transferred to a company called XXXX XXXX. I can not find any information on this company online or anywhere else. I have never received any correspondence or documentation from XXXX XXXX. I was told XXXX XXXX XXXX continued to service this loan. The current creditor is listed as XXXX XXXX. I was informed that Real Time Resolutions is the new servicer of this loan. Real Time Resolutions has requested the letter regarding the transfer of ownership from XXXX to XXXX XXXX, as of XX/XX/XXXX RTR is still awaiting a response from XXXX XXXX. Additionally, I believe this is a time-barred debt. RealTime Resolutions just sent me a letter that there is a lien on my property. I need to see the letter notifying me of the transfer of the loan from XXXX to XXXX XXXX. My account 's current creditor is listed as XXXX XXXX ( I have no knowledge of this company ) and the account 's original creditor is listed as XXXX.
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| Consumer Consent Provided |
Consent provided
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