Real Time Resolutions phone numbers
Ranked #72 of 75 by complaint volume · 527 complaints · 90.3% timely response
Check your statement for the address for a mortgage-assistance application.
Every number above is copied from Real Time Resolutions' own site on the date shown. If one has changed, the number on your mortgage statement wins.
How Real Time Resolutions Compares
For Real Time Resolutions, "Struggling to pay mortgage" accounts for 26.6% of CFPB mortgage complaints in this profile; volume fell 11% from 2024 to 2025, ranking it #72 of 75 mortgage servicers tracked here by CFPB complaint volume and in this tracked set's lower third; this profile has no linked CFPB enforcement action.
Compare the nearest profiles by complaint volume: Reverse Mortgage Solutions and ServiceMac.
What Borrowers Complain About
Real Time Resolutions borrowers' most common complaint category is "Struggling to pay mortgage" at 26.6% of all complaints, followed by "Loan modification,collection,foreclosure" at 24.5%. The three most cited specific problems are: "foreclosure" (5.5%), "trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure" (4%), "loan sold or transferred to another company" (1.7%).
The third most common category is "Trouble during payment process" at 15.7%, representing 83 complaints.
Other frequently cited problems include "trying to communicate with the company to fix an issue while managing or servicing your loan" (1.5%) and "applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu" (1.1%).
Complaint volume varied (2022: 23, 2023: 44, 2024: 38, 2025: 34).
Most complaints involve Home equity loan or line of credit (HELOC) (24.7%), followed by conventional mortgages (18%).
Complaints are geographically concentrated: California (194), Florida (49), and Georgia (24) account for 51% of all complaints.
Complaint Volume Over Time
Annual Consumer Financial Protection Bureau complaint volume for Real Time Resolutions from 2012 to present.
Annual Complaints — Real Time Resolutions
Source: Consumer Financial Protection Bureau Consumer Complaint Database
Recent Monthly Trend
Monthly complaint volume over the last 24 months.
Monthly Complaints — Real Time Resolutions
Source: Consumer Financial Protection Bureau Consumer Complaint Database
Top Complaint Issues
| Issue | Count | Share |
|---|---|---|
| Struggling to pay mortgage | 140 | 26.6% |
| Loan modification,collection,foreclosure | 129 | 24.5% |
| Trouble during payment process | 83 | 15.7% |
| Loan servicing, payments, escrow account | 81 | 15.4% |
| Closing on a mortgage | 27 | 5.1% |
| Applying for a mortgage or refinancing an existing mortgage | 17 | 3.2% |
| Settlement process and costs | 15 | 2.8% |
| Other | 12 | 2.3% |
| Application, originator, mortgage broker | 10 | 1.9% |
| Credit decision / Underwriting | 4 | 0.8% |
How Real Time Resolutions Responds
Real Time Resolutions closes 98.9% of complaints with an explanation — meaning they responded but did not necessarily fix the borrower's issue. Only The share of complaints closed with monetary relief was 0.2% to the borrower. Borrowers disputed 11.6% of Real Time Resolutions's responses — above the 8.3% industry average, indicating more borrowers felt their complaints were inadequately addressed.
| Response Type | Count | Share |
|---|---|---|
| Closed with explanation | 521 | 98.9% |
| Closed with non-monetary relief Non-monetary relief | 5 | 0.9% |
| Closed with monetary relief Monetary relief | 1 | 0.2% |
Top States by Complaint Volume
View all 43 locations
| State | Complaints |
|---|---|
| CA | 194 |
| FL | 49 |
| GA | 24 |
| MI | 21 |
| TX | 21 |
| NY | 19 |
| NV | 17 |
| AZ | 14 |
| NJ | 13 |
| NC | 13 |
| WA | 11 |
| CO | 11 |
| VA | 11 |
| IL | 10 |
| OH | 9 |
| KY | 9 |
| PA | 8 |
| SC | 7 |
| MD | 7 |
| MA | 7 |
| OR | 5 |
| UT | 4 |
| MN | 3 |
| AL | 3 |
| MO | 3 |
| IN | 3 |
| IA | 3 |
| NH | 2 |
| KS | 2 |
| LA | 2 |
| HI | 2 |
| TN | 2 |
| CT | 2 |
| ME | 2 |
| DC | 1 |
| VT | 1 |
| OK | 1 |
| WY | 1 |
| AR | 1 |
| NM | 1 |
| RI | 1 |
| DE | 1 |
| WV | 1 |
Real Time Resolutions's complaints concentrate in California (194), Florida (49), and Georgia (24). These three states account for 51% of all complaints. If you're dealing with Real Time Resolutions, check your state's foreclosure laws — protections vary significantly. Law pages for its top complaint states: California, Florida and Georgia.
Enforcement Record
We don't list a CFPB enforcement action against Real Time Resolutions. Our list is curated, so that isn't a finding that none exists; the CFPB's enforcement page is the full record. The database includes 527 complaints since 2012, one of the smaller complaint footprints among the top 75 servicers.
You can file a CFPB complaint about Real Time Resolutions, which responded to 90.3% of complaints within the required timeframe.
Legal History
We list no enforcement actions, Department of Justice settlements, state attorney general actions or class actions for Real Time Resolutions. That describes the cases we track, not a finding that none exist. Court dockets and your state attorney general's office are the places to check.
Search Real Time Resolutions Complaints
Browse the 500 most recent complaints filed against Real Time Resolutions. Filter by issue type, state, date range, or keyword. Try filtering by "Struggling to pay mortgage" — it represents 26.6% of all complaints. Most complaints originate from California.
Know Your Rights with Real Time Resolutions
File a CFPB Complaint
If Real Time Resolutions is mishandling your mortgage, file a complaint with the CFPB. Real Time Resolutions currently responds to 90.3% of complaints on time, ranking #73 of 75 servicers.
Send a Qualified Written Request
A qualified written request asks about servicing your mortgage account. The federal servicing guide explains which requests are covered, where they go, and the response requirements and exceptions.
Get Free Housing Counseling
A HUD-approved housing counselor can review Real Time Resolutions's actions on your account, help you negotiate, and guide loss mitigation options — at no cost. If you're in California (their highest complaint state), find local help.
Find Legal Aid
If Real Time Resolutions is violating federal servicing rules, a legal aid attorney may represent you for free. A complaint record describes reported problems, rather than a finding about your account.
Letters about your mortgage account
A qualified written request asks about servicing your loan. A notice of error identifies a servicing error. Federal rules have different requirements and exceptions for these letters; the guide to your rights explains them.
Disclaimer: Complaint counts reflect consumer-reported issues submitted to the CFPB and do not indicate wrongdoing. This data is provided for informational purposes only and should not be construed as legal or financial advice. Complaint volume correlates with servicer size — larger servicers with more customers naturally receive more complaints.
Questions about Real Time Resolutions
How many complaints does Real Time Resolutions have?
Real Time Resolutions has 527 mortgage-related complaints in the CFPB database since 2012, ranking #72 out of the top 75 mortgage servicers by complaint volume. Their timely response rate is 90.3%, which is below the 98.8% average across the 75 largest servicers. Complaint volume fell 11% between 2024 and 2025. Their 11.6% consumer dispute rate is above the 8.3% industry average, suggesting more borrowers disagree with Real Time Resolutions's complaint responses.
What is the most common complaint about Real Time Resolutions?
The most common complaint category is "Struggling to pay mortgage" at 26.6% of all complaints — borrowers who are behind on payments and seeking help. Common issues include servicers failing to offer all available loss mitigation options, providing unclear or contradictory guidance, and not responding to hardship applications within required timelines. The most frequently cited specific problem is "foreclosure" (5.5% of complaints). The second most common category is "Loan modification,collection,foreclosure" at 24.5%.
Has Real Time Resolutions faced any CFPB enforcement actions?
We don't list a CFPB enforcement action against Real Time Resolutions. Our list is curated, so that isn't a finding that none exists; the CFPB enforcement page is the full record. The database includes 527 complaints, ranking #72 by volume among the 75 largest servicers. You can file one at consumerfinance.gov/complaint; the CFPB sends it to the company, where the company can respond through the CFPB process.
How do I file a complaint against Real Time Resolutions?
File at consumerfinance.gov/complaint. Select "Mortgage" as the product type and name Real Time Resolutions as the company. Select "Home equity loan or line of credit (HELOC)" as the sub-product — 24.7% of complaints against Real Time Resolutions fall in this category. Describe your issue in detail — include dates, account numbers, and any written correspondence. The CFPB forwards your complaint to Real Time Resolutions, where the company can respond through the CFPB process. You can also send a Qualified Written Request (QWR) under RESPA § 6 directly to the servicer, which has requirements and exceptions explained in the linked guide.
What does the timely response rate mean for Real Time Resolutions?
The 90.3% timely response rate means Real Time Resolutions responded to that share of complaints within the CFPB's applicable response window, ranking #73 of 75 servicers. The industry average is 98.8%. "Closed with explanation" — the most common outcome at 98.9% — means the servicer responded but did not necessarily resolve the borrower's issue.