Date Received: 2023-11-22
Issue: Struggling to pay mortgage
Subissue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-li
Consumer Complaint: XXXX mortgage payment due to XXXX XXXX XXXXXXXX XXXX mortgage payment due to XXXX XXXX XXXX XXXX mortgage payment due to short term XXXX XXXX - applied for mortgage assistance for the 3 months behind XXXX - XXXX resolved -expressed I am able to resume regular payments on XXXX XXXX XXXX delivered letter dated XX/XX/XXXX from Loancare. Loancare letter said it wants to modify my entire loan and add a partial claim. XXXX-I am not in agreement with a loan modification and paritial claim since the XXXX was short - term. Its as if Loancare intentionally ignored my request. Their letter was dated XX/XX/XXXX and requires me to sign the loan mod docs within 15 days or call them for another option - otherwise foreclosure proceedings. I called 37 times - phone numbers : XXXX ; XXXX but all are out of service as well as the email addresses for loan care due to Loancare had a security breach. All I want is to speak to Loancare and request a repayment plan or deferral of the XXXX term XXXX months Im behind. Instead they are trying to force me into extending my loan to 40 years, doubling my current interest rate, and creating a partial claim charged at 8 %. Please Loancare, call me so we can discuss a repayment plan or a deferral but I do not want a loan modification as XXXX has resolved we can resume normal payments on XX/XX/XXXX ; however, your website wont even allow me to make a payment. I specifally requested a loan deferral or repayment plan with my application. Im not sure why you are trying to force me into a loan modification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95648
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Trouble during payment process
Subissue: Paying off the loan
Consumer Complaint: I was in the process of procuring a partial claim with LoanCare. Loan Care stated they did not receive my paperwork, even though I received a letter from them saying they did. Loan Care referred my loan to their attorney, who in turn filed a foreclosure action on XX/XX/. Prior to the foreclosure action being filed against me, I had listed my home for sale, and it was under contract as of XX/XX/. I let the attorney for LoanCare know this on XX/XX/, and the attorney for LoanCare indicated they were told by their client to file the foreclosure action anyway. Because of this, the payoff on my loan is now almost {$20000.00} more than the principal balance, and I can not close on the sale of my home. LoanCare never sent me a notice saying they were putting me info foreclosure. I only found out about it when I called LoanCare to get a payoff figure for my loan at the end of XXXX. I am now in foreclosure and have been threatened a breach of contract lawsuit against the would be buyers of the house, since I can not close due to lack of funds. No one from LoanCare will return my calls. I have called XXXX XXXX and XXXX XXXX in the Office of the Customer and left numerous voicemails. I have sent emails to XXXX as directed. They simply will not respond. My real estate attorney has requested information and they refuse to cooperate. I'm at a complete loss and this is financially ruining.
Company Response:
State: NY
Zip: 14626
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Trouble during payment process
Subissue: Paying off the loan
Consumer Complaint: I requested a payoff that was good through XX/XX/XXXX -- -funds were received in the total amount. I was in a hurry to pay off because the loan was to be transferred. The funds cleared my account XX/XX/XXXX. The amount of the full payoff was included and cleared before the payoff expired. A principal amount of {$83.00} was still showing. Someone was supposed to call me back several times but never sent a resolution. From the payment history, it appeared they deducted the {$83.00} from my escrow and zeroed the balance. However, I called to check today and the balance that was paid was transferred to the new servicer. I feel like my complaints are falling on deaf ears. Complaint on new servicer coming soon! Thanks,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35601
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Struggling to pay mortgage
Subissue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-li
Consumer Complaint: i have been trying for over 2 years to get the co borrower who is my x girlfriend off my loan nd i have been getting no where with that for over XXXX years now i am out of work due to a serious health condition and i applied for a loan modification to lower my monthly payment and they are doing nothing to help me and are raising my payment by around XXXX XXXX i need the payment lowered not raised and they are threatening to forclosure because i am behind on payments a few months due to health condition
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 99362
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act, this creditor, XXXX has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681, section 604 A Section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: XXXX XXXX XXXX On Monday, XX/XX/XXXX, at XXXX XXXX, we spoke with LoanCare to reach an agreement on the late home mortgage payments. They offered us a program of accumulating all outstanding fees at the end of the total mortgage amount. Because the other program would harm us because the interest on payments would increase over 40 years, they agreed to send us these documents, which we would fill out. We would pay a notary to authenticate our signatures within 30 days. Likewise, on the same day, we sent a modification loan since that is what they had offered us one month ago in an email. On XX/XX/XXXX, they sent us confirmation of receipt of said email. The same day, on XX/XX/XXXX, we called the California Mortgage Relief Program twice at XXXX, as Loan Cares loan modification staff told us they had no record of the program contacting them. However, since XX/XX/XXXX, we have received a response from our application telling me, " There is an internal process that needs to be completed before approval or denial. Your reviewer will contact you if additional information is needed or a decision has been made. The first time, we were told on this program that LoanCare had yet to respond. The second time, we insisted that LoanCare answer that they had not received any information, and if so, it would be on the portal ; the Mortgage Relief Program customer service told us that at that time, they had sent the information they needed from the mortgage company again. Also, they told us that we had to wait until XX/XX/XXXX for the mortgage to respond ; otherwise, we would have to make a new application again. On XX/XX/XXXX, we received a certified mail note saying that we had to pick up the documents at USPS to sign them since it was the second time they tried to locate us. However, my wife and I received a certified mail on XX/XX/XXXX, dated XX/XX/XXXX, without options to determine whether we qualify for temporary or long-term relief, notifying us that our loan has been referred for foreclosure. Assistance may be available with COVID-19, which we tried to do at the beginning of this year because of the minor 's health problem, but LoanCare rejected it. So, we started to make the first application to the California Mortgage Relief Program successfully for the first assistance COVID relief. Still, LoanCare did not accept a second application for COVID relief, as I said. On XX/XX/XXXX, my wife went to collect the certificates since I was having an XXXX on my XXXX XXXX as a follow-up to my XXXX and appointments with the XXXX. In a said letter dated XX/XX/XXXX, which I attach as evidence along with other documents, we are offered five options to prevent foreclosure and continue in our house : XXXX XXXX XXXX " This letter is being sent to you by XXXX XXXX XXXX Dba XXXX XXXX on behalf of the servicer of your loan, LoanCare , LLC . If you provide information about your situation, LoanCare , LLC can determine whether you qualify for temporary or long-term relief, including options that allow you to stay home. During and after the Pandemic, and even this year, we have experienced a reduction in income because a minor that we adopted no longer lives in our house due to health problems and was sent for long-term treatment and now the case has been brought to Court. We have been waiting to receive said income for over a year, as we have communicated to LoanCare several times. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX and XXXX, Hurricane Hilary also affected us as it damaged our pool, which the insurance company did not want to cover. Even though they came to file the report, they told us they would send it to LoanCare, so we need to pay the reparation, generating new expenses in our packet. On XX/XX/XXXX, we again needed to pay for an urgent situation because we had to request assistance from XXXX. We paid for the tow truck from the scene of the incident to the workshop where it would be repaired, the payment for said services, and since the event happened in XXXX, we paid the XXXX to be brought to our house in the fifth. As if that were not enough, we have several medical appointments in XXXX XXXX for our XXXX XXXX children this month and the beginning of next year. For all these reasons of reduced income, health, and personal emergencies, it is more advantageous for us to take option # 1, which LoanCare offered us in its certified letter of XX/XX/XXXX, received by USPS on XX/XX/XXXX, delivered and signed by my wife. On XX/XX/XXXX in the afternoon. 1. Forbearance Make reduced mortgage payments or no mortgage payments for a specific period. We have decided to write this letter today because the letter that USPS gave us on XX/XX/XXXX, as I mentioned previously, tells us in the subject line that it is Foreclosure Prevention Alternatives Notice Under California Civil Code Section 2924.9. However, they already sent the loan to Foreclosure as they indicate in the said letter, that is, not Foreclosure Prevention as shown in the California civil code, and since LoanCare did not send them by phone on XX/XX/XXXX, only giving us the loan modification alternative and not Forbearance. This week, lawyers and companies have left us several messages at all hours of the day to advise us about Foreclosure, Bankruptcy, sales, etc. Today, XX/XX/XXXX, a person came with measuring tools and took photos of the house, which we later saw with our cameras. Since he was unsuccessful in contacting us to enter the house, we also assumed to take photos and measurements inside it. That person, or lawyer, took pictures of the front of our house without our permission, and this same person called my oldest son, XXXX, to inform him that the house was on the Foreclosure list for a value of {$530000.00} ; my son asked me who put that price on it, nor do my wife and I know where that information was obtained. Furthermore, they do not have to call my son, family, or friends for any reason and worry them since XXXX XXXX does not own the house because he has not lived in XXXX for more than 12 years, of which more than 10 years He lived in the state of XXXX with my wife and I being the sole owners of the house and responsible for the payments on the mortgages we have had for a long time. Even so, they are all in charge of calling my relatives to see how they can locate me so, according to them, they can sell the house as soon as possible, confusing us with letters, emails, and phone calls that they are going to give us the opportunities established by the law of California for the prevention of Foreclosure. So, we will send all the information again to LoanCare for option 1 of the Forbearance program that they offered us in certified mail on XX/XX/XXXX, received on XX/XX/XXXX by USPS, and received and signed by us on XX/XX/XXXX to Foreclosure Prevention. This way, they will not continue to confuse us, or it seems to me, by deceiving and omitting important information, already putting our house on a shopping list so that lawyers, companies, inspectors, etc., call us or visit us every day, including weekends, like today after XXXX XXXX, which I celebrate for my services to the nation. Note : I am attaching documents so that they can resolve the possibility of not going to Foreclosure and give us the Forbearance program, providing the necessary support for our economic, health, climate, and personal situation, such as the repair of our only car that has authorization of XXXX. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92253
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: On XX/XX/2023 we received a letter from loan care stating that our mortgage payments was increasing by {$820.00} from {$1700.00} to {$2500.00} and also, that our escrow was {$6600.00} short. Prior to receiving this notice with this lump sum of over {$6000.00} we were not informed that our escrow had a shortage. After looking over the escrow analysis we noticed that there are mistakes and over estimations in our account, the taxes was estimated to be {$3500.00} which they were only {$2400.00} which is {$1000.00} less. We also, noticed that our escrow account minimum balance is {$1300.00} but we are being charged {$1300.00} a month which is double the amount of our current escrow of {$540.00} a month. As, we went over the account our taxes and hazard insurance went up slightly {$100.00} for taxes and {$64.00} for insurance. There is nothing that should cause our mortgage and escrow payments to have such a major increase. This is not the first time loancare as made these type of costly errors which can lead to unnecessary equity loans, refinancing and loss of property.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : LOANCARE SERVICING C XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89074
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: additional new detail on complaint XXXX XX/XX/2023 had an escrow refund check issued by Loancare to Property owner in the amout of XXXX as in original complaint. On XX/XX/2023 Loancare executed a refer to maker notice to XXXX my personal bank on the above check. Loancare did not notify me in any manner and Ionly found out when bank called to explain. Called Loancare and multiple people had no knowledge or information regarding the above transaction. This {$11000.00} is escrow monies and should at least be in the Loancare escrow account or applied to delinquent property taxes. As of XX/XX/2023 this money has not been accounted for in any manner by Loancare, taxes and penalties remain unpaid, and Loancare escrow account does not reflect the above check amount being deposited in escrow account, and Loancare personnel do not have any information to clarify.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45005
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08755
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A