Date Received: 2021-05-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2021-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage company had not paid my XXXX taxes even though we have paid on time and can see all of the money is sitting in escrow. Its a little over {$3000.00}. I have called repeatedly and told them if it is not paid by XX/XX/XXXX a lean will be put on my home and my credit score will be impacted. They said they most likely will not be paying the late taxes by that date and they can not speed up the process. I checked today XX/XX/XXXX and it is still not paid. So now I will be impacted for them not doing their job. If it is not taken care of in XXXX they can put our house up for sale.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 195XX
Submitted Via: Web
Date Sent: 2021-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XXXX subserviced by LoanCare account number XXXX. I am having issues with this Mortgage Company as of XX/XX/2021 the account is finally payed in full after numerous phone calls and holding my final payment in suspense for almost a month. As you can see I have payed off over XXXX in the past two months. This company reported a missed payment in XXXX after an initial XXXX payment. REALLY?? After speaking to 5 associates I was assured by all, that this would be taken care of. Well guess what it hasn't and my credit has dropped by over XXXX points. We were looking to buy a new home, but can't because of my current score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The following accounts was never authorized to report on my credit report and is hurting me from obtaining any posable credit out there. Please see below the list of accounts reporting on my report that should not be reporting on my report : 1. Identity Theft LOANCARE LLC Account Number : XXXX**** This is not mine. 2. Identity Theft XXXX XXXX XXXX Account Number : XXXX**** This is not mine. 3. Identity Theft XXXX Date of inquiry :XX/XX/XXXX Please remove it from my credit report. 4. Identity Theft XXXX/XXXX Date of inquiry :XX/XX/XXXX Please remove it from my credit report. 5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 6. Identity Theft XXXX XXXX Date of inquiry :XX/XX/XXXXThis is not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10457
Submitted Via: Web
Date Sent: 2021-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I purchased a condo here in XXXX just over a year ago and have been making monthly payments for the last year. a few months ago I started receiving email messages that THE INSURANCE ON THE CONDO HAD LAPST. I contacted the XXXX insurance company and they looked it up and said my insurance is current. Mortgage company said they would be putting FORCED COVERAGE ON CONDO IF I DIDNOT SHOW PROOF OF INSURANCE ) I continued to receive notices and when I called the computer generated message it said my insurance had expired last XXXX ( I only bought the condo about XXXX XXXX. I called XXXX insurance back and they continued to show insurance was current. I had XXXX FAX PROOF OF INSURANCE TO THEM. I continued getting notices on expired insurance and finally got a real human to answer the phone and they said EXPIRED INSURANCE WAS FOR LAST YEAR! I was able to get ahold of XXXX again and they FAXED PROOF OF INSURANCE FOR LAST YEAR. On XXXX I faxed the letter from XXXX XXXX of XXXX XXXX XXXX XXXX ) showing I always had insurance since I bought the condo. On XXXX I received my statement from LOANCARE SHOWING THEY HAD TAKEN XXXX OUT OF ESCROW TO PAY THE INSURANCE. LOANCARE is very bad about answering the phone and refuses to refund the {$870.00} money taken out of escrow. thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80227
Submitted Via: Web
Date Sent: 2021-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We have ( had ) our mortgage with LoanCare LLC aka XXXX XXXX XXXX. We paid off our mortgage on XX/XX/2021. I have been trying to contact someone at LoanCare for several months, first to find out about refinancing, then to get our payoff amount, and finally to find out about when we will receive our escrow refund. I have called the customer service numbers but all of them send you to an automated system that does not let you talk to a person. I tried contacting them through their website but no one ever responds. I believe they are a fraudulent company at this point and there are numerous complaints about them throughout the internet. They owe me money and I want it now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34655
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Hello, We refinanced our home with XXXX XXXX XXXX XXXX, XXXX in XX/XX/XXXX. Our closing date was XX/XX/XXXX. We have an escrow account set up with XXXX XXXX XXXX XXXX, XXXX. Our loan is serviced by LoanCare LLC. Our School taxes for XXXX were due on XX/XX/XXXX. On XX/XX/XXXX I had contacted the XXXX XXXX XXXX Collector ( XXXX XXXX ) for a copy of our Tax Statement. That's when i found out that our School Taxes weren't paid and are now delinquent. I contacted LoanCare , LLC on XX/XX/XXXX and opened a case ( Ticket # XXXX ) with them. Since then I have contacted LoanCare , LLC multiple times via phone and secure message but as of XX/XX/XXXX our school taxes still haven't been paid. LoanCare , LLC disbursed a payment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All 3 times the County returned the payment because the amount was incorrect. The penalty is increasing with every month that the school taxes aren't paid. Taxes Due as of XX/XX/XXXX : {$8500.00} Taxes Due as of XX/XX/XXXX ( including late fees and penalty ) : {$9800.00} If not paid by XX/XX/XXXX - taxes due will be {$9900.00} I want LoanCare , LLC to pay my taxes ASAP and only charge me the original amount {$8500.00}. The penalty, late fees and any other charges should be paid for by LoanCare , LLC because this was an error on their part. Please help me resolve this issue. XXXX, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2021-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This is the second time I am filing a complaint against my mortgage servicer- Loan Care llc . The first time was recently and Loan Care never actually responded. Since around XXXX of XXXX, I have been trying to take advantage of the lower interest rates. I tried refinancing with several other companies and was advised, though my credit rate is excellent, I dont make enough money to get a lower rate. I then went to Loan Care. They advised me to first apply for a refinance, which I did. I sent all the documents required in a timely manner. I was again rejected because my debt to credit ratio was a bit to low. I was then sent to their loss mitigation dept in XXXX of XXXX. I have been again sending all required documents requested in a timely manner, several times. I had a feeling they were purposely making it difficult because they didnt want to treat me in a fair manner. Finally after 5 months of going back and forth with them, I was told on the phone they dont do loan modifications if my account is not behind. I asked why did it take 6 months to tell me that? I requested that decision in writing. A few days ago I received a letter saying I was denied because I didnt send my documents on time. That is an absolute XXXX. So, I need to know what my next step is. I will be contacting XXXX XXXX who own this mortgage as well as the XXXX XXXX XXXX. I am stuck with a mortgage rate much higher than the current rates. I filed for bankruptcy in XXXX of XXXX and eventually got my credit rating back up to excellent. Must I again file for bankruptcy// I really dont feel I should have to. I know part of the current care act XXXX XXXX offers Flex Modification programs. I dont care what you call it, I should be able to take advantage of the current lower mortgage rates. My credit is excellent, but I am on a fixed income. I need to be treated fairly and honestly and Loan Care llc refuses to do that. Please help!!! My current age is XXXX. The house I live in has been refinanced several times and I even was one of the first people to get a loan modification through President XXXX making home affordable program, even though it tookl two years and a bout of shingles. i was never late then either. i know i fall into the financial bracket where a flex modification program would fit me perfectly. my equity is not enough for a reverse mortgage yet. THOUGH MY MORTGAGE IS NOT BEHIND, IT IS A CONSTANT STRUGGLE TO KEEP UP WITH IT. I thought that was the purpose of a flex modification, to avoid getting behind. LOAN CARE LLC, IS A HORRIBLE COMPANY to deal with. The absolute worse I have ever dealt with. I will also file a complaint with the XXXX. I WONT give up until I get what I should. l want LOAN CARE LLC TO ACT in good faith-either refinance my mortgage to a lower rate or give me some type of help until I have enough equity to get a reverse mortgage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07036
Submitted Via: Web
Date Sent: 2021-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/XXXX I entered forbearance on my current mortgage at the time I was behind and in order to enter the forbearance period I needed to be current, I brought my account up to current and entered into forbearance. In order for it not to reflect poorly on my credit, this covered me from XXXX till XX/XX/XXXX I noticed my account has been noted as 60 days plus delinquent so I called Loancare, disputed it and they had fixed it all the way up till XX/XX/XXXX It was reported as Current XXXX XXXX is reported as delinquent as well as XXXX XXXX XXXX XXXX and XX/XX/XXXX. In XXXX I extended my forbearance period & then last month I had made a modify to my loan in order to get a new rate and so as of now I dont have a payment due until XX/XX/XXXX, that being said I called to see why its reported delinquent they tell me its because my payment back in XX/XX/XXXX which is mind you when I went into my forbearance period that they cleared me for, was returned by my bank. My bank statements does not reflect that and they have never told me in the many of times I called that this was the case so that I could have a chance to fix the error and have my credit reported to as current, I have numerous hours on phone calls, Ive reported it, Ive disputed it, Ive contacted everyone, Ive done everything in my means and a year and a half later they tell me this is the case after theyve already reported all this negative to mine and my co loaners credit reports, this is so damaging. I need this fixed ASAP I dont know what else to do
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 955XX
Submitted Via: Web
Date Sent: 2021-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The company ... Loan Care ... sent me a letter stating that the problem with them not applying my payment correctly was corrected ... It has NOT been corrected ... .my complaint previously thru you is # XXXX ... .I am having more problems and have received a letter stating that account has been corrected with a letter sent to me by XXXX XXXX XXXX of XXXX XXXX and LOAN CARE .and that is NOT the case ... I can not log onto the website to check my account as it is preventing me saying I am past due with my payment ... again ... .not true ... ... please help me as my next step is legal ..this is causing me great anxiety and stress ... ..the mistake is from XX/XX/2021 and I can not understand how the problem is taking 4 months to correct ... My XXXX payment was received on 3-23 and incorrectly posted to principle ONLY ... .instead of principle and interest ... downhill from there ... all future payments have been sent but still posted incorrectly ....
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2021-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A