Rushmore is legit, and we are not in a collections situation. Capital One bought out our original mortgage company about seven years ago. In May 2018, Cap One (who wanted OUT of the single-family home-lending game) sold our mortgage to UMB Bank. UMB is using Rushmore Loan Management Services LLC to service our payments under the original loan terms. In all their postal mailings regarding the loan transition, Rushmore clearly identifies themselves as a 'Debt Collector', so it's just their line of business.They called us once from this 888 number about the new account---courteous rep, but Customer Service Dept. seemed to be lacking (couldn't answer all our questions, despite being on hold for extended periods). We will be refinancing with our local credit union.