Date Received: 2023-08-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
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: Upon reviewing my consumer report, I noticed that you have reported an account to all three major Consumer Reporting Agencies without my permission and without a permissible purpose. I was not informed of the option to opt out of having my information reported, and I am now exercising that right. I request that you remove this unauthorized account from my consumer report immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accurate with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the rights to privacy. 15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end 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: SC
Zip: 29617
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XXXX, I send a request to add taxes to my escrow account for mortgage number XXXX. It was never processed. I followed up numerous times after that and was told that it will be processed by XX/XX/XXXX. As of today, XX/XX/XXXX it has not been processed and my account is frozen I am unable to make payments online. I was told that the freeze will be removed by XX/XX/XXXX, but again, nothing was done. I have asked to escalate this issue and a few members of escalation team promised me that it will be resolved. I had to make many calls so far, nothing was done. I was told to make a payment over the phone, but i dont feel safe telling an operator my banking information as there is not guarantee that it will not be misused in future.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: After COVID forebearance I filled out PAHAF almost lost my home to foreclosure. Had to agree to get 2 % interest rate increase plus XXXX XXXX added to my mortgage balance because government launched program failed me. What can I do
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: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I encountered challenges in determining the most suitable approach to address my concern. Consequently, I initiated contact with Loancare LLC through both telephone and email channels in an effort to resolve this matter. In the month of XXXX this year, my mortgage and escrow account were transferred from XXXX XXXX to Loancare LLC, during which time no issues with my escrow account were apparent. However, in XXXX of the same year, I was informed by Loancare LLC that they had acquired home and hazard insurance, alleging that I did not possess insurance coverage and that the previous policy from another company had expired in XX/XX/XXXX. To clarify my insurance status, I am insured by XXXX XXXX XXXX under policy number XXXX, which is effective from XXXX to XXXX annually. I verified with XXXX XXXX XXXX that my account was current and active. XXXX XXXX had made the payment for this insurance through my escrow account in XX/XX/XXXX, and no further payments were due until XX/XX/XXXX. In an attempt to communicate this information to Loancare LLC, I was redirected to a separate entity, " My coverage info, '' and provided an email address, XXXX. Regrettably, upon sending an email to this address, I received an " undelivered '' notification from XXXX. As it stands, I have exhausted all available means to rectify this issue, and Loancare LLC has erroneously charged me approximately {$2400.00} for insurance coverage that I had already purchased. Consequently, this unwarranted purchase has increased my monthly payments by {$200.00}. I am now seeking a comprehensive resolution to this matter and would appreciate any assistance in rectifying the situation promptly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 318XX
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: IN SUMMARY : A STOP PAYMENT ON A REFINANCE CHECK WAS INITIATED DUE TO DIVORCE AND NONE OF THE LENDERS WHO HAVE HELD MY ACCOUNT CAN SHOW THAT A CHECK WAS EVER REISSUED YET I'VE BEEN PAYING A LOAN SET UP TO REPAY THE ADDITIONAL XXXX BORROWED WHEN REFINANCED. DITECH SAYS THEY SHOW CHECK WAS STOPPED, BUT NEVER REISSUED. LONG VERSION : BOUGHT HOUSE ON MY OWN IN XXXX. MARRIED AN HABITUAL CON-ARTIST IN XXXX. EARLY XXXX HE CONSTRUCTED THESE LIES THAT THE HEAT AND AIR WAS OUT AND NEEDED TO BE REPLACED ; HE HAD A BUDDY IN HEAT AND AIR WHO COULD REPLACE IT ; HE HAD TALKED TO DITECH WHO HELD MY ( MINE ALONE ) MORTGAGE AND DITECH SAID ( WHICH WAS NOT TRUE ) THAT THEY COULD NOT WORK WITH ME ALONE AS MY INCOME HAD DROPPED. EX HUSBAND GOT HIS NAME ON THE MORTGAGE, ( HE WAS A XXXX XXXX EMPLOYEE ) INTERCEPTED MY RECEIPT OF THE REFINANCE CHECK WHEN IT CAME THRU XXXX BRANCH ; SIGNED HIS NAME TO IT AS WELL AS MY NAME ; DEPOSITED IT INTO XXXX XXXX XXXX PERSONAL ACCT AND REFUSED ME ACCESS TO THE FUNDS. I IMMEDIATELY HAD A STOP PAYMENT ISSUED AND FILED FOR DIVORCE. HE SIGNED AND I FILED A QUIT CLAIM DEED. NONE OF THESE LENDERS CAN SHOW ME ANYTHING BUT A STOP PAYMENT ON THIS ONE CHECK ISSUED. NO REISSUE ; HOWEVER, I'VE BEEN PAYING ON A LOAN THAT INCLUDED XXXX I NEVER GOT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30263
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My name is XXXX XXXX. This is regarding to my loan with XXXX under NewRez. They filled a duplicate lien on my deed. I only have XXXX loan but there were XXXX liens filled. It was filled by XXXX. They filed the same Deed of Trust on my loan twice within XXXX hour and XXXX minutes of each other on XX/XX/XXXX. I contacted them on Thursday XX/XX/XXXX and ONCE OR TWICE A WEEK AFTER THAT regarding to the need to have a release prepared and recorded and sent to me. On XX/XX/XXXX, they refused to do it because I have not paid off my loan yet. HOWEVER, there was a duplicate that needs to be released so it should not be the reason. The back office team was very irresponsible. They did not even investigate well on the DUPLICATED lien filed on my deed. I had to talk to another representative AGAIN to submit another request. This is very frustrating because I need that " false '' 2nd lien on my deed to be released so I can move forward with my home equity loan. Their mistake is preventing me from getting my equity loan to buy another property. If I did not find out, this thing will stick on my record for a longer time. They did not work on it seriously to correct their mistake.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75043
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Our VA loan was bought out by LoanCare. On XXXX XX/XX/2023, we had a hail storm that damaged our roof. XXXX came out and checked our roof and verified that it needed to be replaced. XXXX cut a check to pay for our roof, which had to be endorsed by the LoanCare. The check was sent to LoanCare and deposited in there account. We submitted all the required paperwork : invoice, insurance adjustor paperwork, W-9, and release of lien. Every time we call them to check and ask when our check will be mailed to us. They ask for more information. They have had our check since XXXX XX/XX/2023 and they still have not sent us our insurance money to fix our roof. All required documentation has been submitted. Respectfully, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78132
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was originally on a COVID forbearance plan. I was able to resume payments. I went back and forth with LoanCare regarding the COVID-19 Advance Loan Modification ( ALM ) that I should have been eligible to receive. I had received a letter that I would be eligible for that but then all of a sudden it changed and they did something else, raising my payment instead of lowering it. Every time I try and call, I can not get through and no call back. And no response to emails.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 545XX
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A