Date Received: 2024-01-23
Issue: Struggling to pay mortgage
Subissue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-li
Consumer Complaint: I am a XXXX XXXX service-connected XXXX veteran who's XXXX XX/XX/XXXX : I called to request a mortgage assistance application. I called Loancare and spoke to a representative explaining my current financial situation was a financial hardship due to an emergency XXXX XXXXXXXX, and adjusting to life after a divorce. The representative stated I qualified for deferment and forbearance. The representative explained to me that the company was supposed to allow me to resume the same payments from my previous COVID financial issues. Instead, I was forced to pay more than my original mortgage payment ( {$2100.00} at XXXX interest rates ) but now it's ( {$2500.00} at XXXX interest rates ). The representative stated she would send the application to me in the mail. I did not receive the application until late XX/XX/XXXX. I tried to make a partial payment but the Loancare system doesn't even allow for partial payments. On XX/XX/XXXX : I emailed a Mortgage Assistance application form they are attached below : XXXX pages of the mortgage application, borrow expense form, taxpayer consent form, with the divorce decree, veteran benefit statement, XXXX months of bank statements, and XXXX months of pay stubs. On XX/XX/XXXX : I called Loancare to check on the status of the application, the representative stated XXXX boxes weren't checked and a taxpayer consent form was not submitted. On XX/XX/XXXX : The document with the missing XXXX checked marks was resubmitted ( attached below ). On XX/XX/XXXX : I called to ask for the status of the mortgage assistant application. The representative stated that the application was denied today due to a missing taxpayer consent form. I asked to speak with a mitigation representative then the gentleman disconnected the call in my face. There was no email confirmation ever received from Loancare confirming that they received the application. We received negative credit reporting while requesting assistance. There's proof of discrimination from this company. This is the third time I have encountered financial issues with this company. This company is trying to XXXX over a veteran that served this country and the freedoms of its citizens.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77386
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: XX/XX/XXXX XXXX, North Carolina Dear CFPB I need your assistance. My rental Mortgage is with the XXXX XXXX XXXX. It is a Conventional Loan with Escrows. My Hazzard Insurance Company is XXXX XXXX. It came to my attention that my Hazard Insurance was not renewed on time in XX/XX/XXXX due to the fact that my insurance company didnt receive payment from XXXX XXXX XXXX form escrow account. XXXX XXXX XXXX charged me {$36.00} for a forced insurance. I dont think it is fair that I have to pay for their negligence. Please help me! Summary : In XXXX, XXXX I received a letter from XXXX XXXX XXXX date XX/XX/XXXX, XXXXin reference to the Hazzard Insurance for my rental property located in XXXX XXXX XXXX XXXX, NC XXXX. This is a Conventional First Mortgage with Escrow. The letter Exhibit A informed that their records show the hazard insurance has expired, and we do not have evidence that I have obtained new coverage. On XX/XX/XXXX XXXX I called XXXX XXXX XXXX XXXX XXXX and spoke with XXXX, he transferred me to the Insurance Department. The Insurance department said the issue was for a gap period of XX/XX/XXXX to XX/XX/XXXX and they needed a proof that the house was insured for that period. On XX/XX/XXXX I called my insurance Agent XXXX XXXX ; he did research and called back informing that in fact it was a gap of insurance from XX/XX/XXXX to XX/XX/XXXX because they didnt received payment on time for the renewal. On XX/XX/XXXX at XXXX I called my Lender XXXX XXXX XXXX XXXX XXXX and spoke with XXXX He replied they sent the check but it was returned, so they sent a second check. And he will call my insurance agent to do a follow up. On XX/XX/XXXX at XXXX I called and spoke with XXXX and said their resolution still the same, it was an insurance gap and for this they will move forward charging me {$36.00} for a force insurance. I said, my mortgage is escrowed and I shouldnt be paying for a forced insurance if your company sent the check to wrong address and or without sufficient time to discover errors. I ask for a proof they sent the payment on time. Their reply was, we will move forward with the charge of {$36.00} if you cant provide a proof that the property was insured during that period. In XXXX I received a letter dated XX/XX/XXXX Exhibit B Saying they cancelled the Insurance Coverage we ordered from XX/XX/XXXX to XX/XX/XXXX and a charge of {$36.00} was imposed. It is ridiculous that they even can purchase an insurance for an event in the past! XX/XX/XXXX I received a letter dated XX/XX/XXXX informing the {$36.00} was deducted from my escrow account Exhibit B Please I need someone to help me. This is not fair and I feel this is an abuse. Thanking you in advance for your time and assistance, XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27410
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Loancare keeps reporting my balance as {$10000.00} more than its supposed to be. Ive tried fixing this over the past year countless times by disputing it with the credit bureaus. It gets fixed temporarily, but then gets reported wrong again. Now, there was an error of {$10000.00} on my XXXX from them : XXXX XXXX XXXX XXXXXXXX {$180000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Another mistake by $ XXXX. The beginning balance was correct, but someone in the company cant do math. I also tried to fix this and the actually added $ XXXX to the beginning balance when it should have been subtracted from the ending balance. uGH! I AM SO SICK IF THIS COMPANY
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48328
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: To whom it may concern ; My name is XXXX, XXXX ; I a widow with XXXX XXXX children, whom the XXXX XXXX old is XXXX XXXX Im also a victim of identity theft which my personal information were fraudulently use to obtain good/services ; as a result of this companys financial breach. I am writing this letter to bring to your attention the concerning and frustrating experiences, I have had with my mortgage servicer Loan Care. I believe that the practices of this company are not only unethical but also potentially in violation of consumer protection laws. I have been a customer of Loan Care for almost XXXX years, and during this time, I have encountered numerous issues that have caused me significant stress and financial hardship. Some of the key issues include : 1. Identity Theft, Inaccurate/ Excessive fees : I have consistently been charged fees that do not seem justified or have been applied in error, leading to financial strain. 2. Poor communication and customer service : I have encountered difficulties in reaching a knowledgeable and helpful representative when trying to resolve issues or seek information about my mortgage account. 3. Mishandling of payments : On multiple occasions, I have experienced errors in the processing of my mortgage payments, leading to confusion and potential damage to my credit score. 4. Lack of transparency : I have found it challenging to obtain clear and accurate information about my mortgage account, including the breakdown of fees and charges. These issues have caused severe financial, emotional and social hardship to my household ; which significantly impacted my ability to manage my finances and maintain confidence in the mortgage servicing process. I have made multiple attempts to address these concerns directly with Loan Care Customer service via email/ phone, but I have not seen any meaningful improvements in their practices ; instead my account is now in delinquent status subject to foreclosure. I am reaching out to your office in the hope that you can investigate these matters and ensure that Loan care complies with all relevant consumer protection laws and regulations. I believe that the practices of this company may be in violation of [ specific laws or regulations if known ], and I urge you to take action to protect the rights of consumers like myself. I would be grateful for any assistance or guidance you can provide in addressing this matter. I am willing to provide any additional information or documentation that may be helpful in your investigation. Thank you for your attention to this important issue. I look forward to a swift and thorough resolution to these concerns. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: SUBJECT : Incorrect 2023 Tax Check for {$3000.00} Sent by Loan Care to XXXX County Tax Assessor for Property Located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX County Tax Assessors Office issued an incorrect XXXX tax bill of {$3000.00} in error to Loan Care for the above referenced property. On XXXX XX/XX/XXXX, XXXX XXXX at XXXX County Tax Assessor Office ( phone number XXXX ) acknowledged the mistakeXXXX County Tax Assessor Office had madeand issued twocorrected {$0.00} tax owed bills to Loan Care on XXXX XX/XX/XXXX. Enclosed are XXXX County XXXX Account Number XXXX Property Tax for parcel XXXX ( XXXX XXXX ) and for Parcel XXXX ( XXXX XXXX ) .Both documents show {$0.00} tax liabilityfor XXXX, XXXX and XXXXowed for both parcels that comprise my property.These correctedXXXX County TaxBillsfor my property were uploaded to the Loan Care website on XXXX XX/XX/XXXX by myself. Iam a 100 % XXXXXXXX veteran ( since XXXX ) with a tax exempt status ( H3 ) at XXXX County in Alabama and I pay XXXX in taxeson both parcels on my propertysinceI bought it inXXXX. I do not have to reapply for this tax exempt status every year at XXXX County. The H3 tax exemption status is for as long as I own this property or until I revoke it as perState of Alabama Department of Revenue Section 40-9-21.1 Homestead Exemption Act of 2013 ( XXXX XXXX ) .I uploaded myORIGINALXXXX County Tax Assessor Office tax exemption documents to Loan Care website on XXXX XX/XX/XXXX and was given Loan Care ticket XXXX.Loan Care has had the tax exemption documents since XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX, the Warranty Deed for the property hadbeen place into XXXX XXXX XXXX XXXX Countyof which I am the XXXX ( XXXX XXXX ) .A copy of the new Warranty Deed in XXXX XXXX XXXX as well as relevant Declaration of the XXXX XXXX ( XXXX XXXX ) and Certification of XXXX XXXXXXXX XXXX ( XXXX XXXX ) were also uploaded to the Loan Care website XXXX XXXX. The following are documented phone conversations and activities that I have conducted and recorded on written phone logs about this XXXX propertytax issueI have discussed with Loan Care since XX/XX/XXXX : XXXX : After I got a credit alert from XXXXthat my loan balance had incorrectly increased from {$160000.00} to {$160000.00} ( XXXX XXXX ), I called Loan Careon XXXX XXXX XXXX find out what was going onbecause I am never late on my mortgage and my insurance remained the same from the year before. Loan Care stated they have included the incorrect tax amount of {$3000.00} into the loan balance. I advised Loan Care that I uploaded the corrected XXXX County Tax documents showing {$0.00} tax for the two parcels on my property back on XXXX XX/XX/XXXX and Loan Care should never have paid any tax on my property as I am XXXX XXXX XXXX XXXXXXXX as rated by the Veterans Administration and Social Securitysince XXXX. Iadvised Loan Care that Ihave had the H3 designation on my XXXX County Tax Assessors account since XXXX and a copy of the document was uploaded on XXXX XX/XX/XXXX on the Loan Care website ( XXXX ). I advised Loan Care to remove the tax from my property immediately and I was told a case would be opened and it would be resolved. XXXX XXXX : Loan Caresends an email stating that the IRS 1098 Tax statements for XXXX are available on the Loan Care Website. This is when I learn that Loan Care sent an incorrect tax payment of {$3000.00} to XXXX County Renenue Commission as it shows in the IRS 1098 form for XXXX. I also learn for the first time that on XXXX XX/XX/XXXX, Loan Care conducted anew Escrow calculation for the property, ( I was never notified of this by mail or email ) which included the incorrect tax amount of XXXX ( XXXX XXXX ) .This incorrectly causes my mortgage payment to increase from the correct amount of {$1000.00} ( XXXX ) to a significantlyhigher incorrect amount of {$1600.00} with the first payment due on XXXX XX/XX/XXXX. I spoke with Loan Care on XXXX XX/XX/XXXX at XXXXXXXX XXXX on phone number XXXX and was advised that Loan Care sent check number XXXX for {$3000.00} to XXXX County Tax Assessors Office on XXXX XX/XX/XXXX in error. I advised the following to Loan Care on the phone : Both parcels on my property have been XXXX XXXX tax exempt since XXXX and that the documents were uploaded to the Loan Care website since XXXX XX/XX/XXXX. I uploaded the corrected XXXX County tax bills showing {$0.00} owed on XXXX XX/XX/XXXX and that Loan Care should never have sent a {$3000.00} or ANY amount at all since I am 100 % tax exempt on both parcels on my property. I advised Loan Care that will not be paying any additional mortgage amount for escrow of XXXX County taxes I do not owe going forward either. My monthly payment to Loan Care is {$1000.00} ( Principle {$320.00} + Interest {$480.00} + Escrow of Home Insurance and PMI {$200.00} ) and that is all that will be sent for at least the next year unless my property insurance increase or decrease when it renews next year. Loan Careis alreadyreportingan incorrect loan balance toall three credit reporting agencies in violation of FCRA. If Loan Care reports any late paymentor incorrect mortgage payment amountsin excess of thecorrectmonthly payment of {$1000.00}, I will take legal action and I will be paid damages as allowed under the law under FCRAand RESPA.I advised them they can consider this statement aformal notice of awarenessto Loan Careand any negative impact to my credit will be considered willful and deliberate. XXXX XX/XX/XXXX : I spoke to XXXX XXXX at XXXX County Tax Assessor Office on XXXX XX/XX/XXXX at XXXX am ( phone number XXXX ) who stated that XXXX County refused the {$3000.00} payment from Loan Care and sent it back to Loan Care because the account is XXXX $ in tax due since XXXX XX/XX/XXXX. XXXX XX/XX/XXXX : I spoke with XXXX ( ID Number XXXX ) at Loan Care at XXXX on XXXX XX/XX/XXXX on phone number XXXX and advised her that the {$3000.00} they incorrectly sent to XXXX County on XXXX XX/XX/XXXX was returned back to Loan Care as stated by XXXX XXXX XXXX XXXX County Tax Assessor. XXXX states that Loan Care does not have the money back so I gave her XXXX XXXX phone number at XXXX County Tax office XXXX to discuss the {$3000.00} that XXXX County refused payment on my account because I owe no tax on my property. XXXX started an escalation case on my loan. I advised XXXX at Loan Care to get in direct contact with XXXX County Tax Assessor Office as the matter is between them now and I have done my part. This is not my problem. XXXX XXXX : A NOTICE OF DEMAND LETTER FOR FCRA VIOLATION letter ( XXXX ) was sent to both Loan Care at their XXXX XXXX, VA address ( XXXX ) as well as their process server XXXX XXXX in XXXX XXXX, Virginia address ( XXXX XXXX ). XXXX XX/XX/XXXX : I spoke with XXXX XXXX who handles all mortgage tax payment at XXXX County Revenue Commission XXXX at XXXXXXXX XXXX. She also confirmed that a check sent for payment on an account at XXXX County such as mine are not processed, NEVER CASHED, rejected andsent back to the originator which she stated would be " XXXX XXXX in XXXX, Texas or back to Loan Care in XXXX, XXXX XXXX County does not keep a record ofrejected taxcheckssent backto mortgage companies. She stated XXXX County never cashed any check for my account.She confirmed that no tax payments have been applied to either parcel on my property since I purchased my property in XXXX to include XXXX. XXXX XX/XX/XXXX : I spoke with XXXX inLoan Care EscalationsDepartmentat XXXXand asked to speak to my case managerat Loan Care for my tax problem. I was told that I could not be transferredto the Case Managerbut I could get a call back and that is Loan Cares Policy. I asked for the case managers nameand asked for a call back ASAP.ThenI was told that I could not speak to the Case Manager because it is now in the legal department and that I would get a letter in the mail. I asked to speak to someone in legalat Loan Careand was told I could not. XXXX started to get rude with me and then hung upon me. Prior to XXXX hanging up on XXXX also advisedherthat on XXXX and XXXX XX/XX/XXXX I tried to upload documentsLoan Care asked for on XXXX XXXX XXXX the Loan Care website but never got a confirmation or a ticket number.I called Loan Care on XXXX XX/XX/XXXX and spoke with XXXX ( ID Number XXXX ) I advised that the difficulty in uploading documents on the Loan Care and asked for email address to submit documents XXXX told methere is no email address. XXXX advised me that there is an email to send documents and it XXXX. I called back at XXXX XXXX and spoke to a supervisor at the Escalations Departmentat Loan Carenamed XXXX ( Employee ID XXXX ). I advised him that I am unable to upload documents to the Loan Care Website and get tracking tickets for uploaded documents have been received by Loan Care. He advise that I send my document XXXX. I asked him to have Loan Care tofix the document upload problem on the Loan Care website. I asked for ticket numbers for documents I submitted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.I was told there are no ticket numbers. I also advisedLoan Carethat since a new incorrect escrow on my property was issued on XXXX XX/XX/XXXX including theincorrect tax amount of {$3000.00}, there are potential violations of theReal Estate Settlement Procedures Act ( RESPA ). XXXX XX/XX/XXXX : I received an emailXXXX XXXX XXXX County Revenue Commission from email XXXX follows : I can not locate where your mortgage company sent payment to us. They will need to contact us directly with more information concerning the payment. I have attached a letter for you to forward to them concerning your exemption ( XXXX XXXXXXXX ) .They should have documentation from us or be able to find out if they have received a refund or if their check was depositedor cashed by anyone. XXXX XX/XX/XXXX : At XXXX I called the escrow/tax department at Loan Care and spoke with XXXX. I asked for a copy of the canceled check Loan Care sent to XXXX County. XXXX advised that Loan Cares third part payment processor XXXX XXXX sent {$3000.00} in a bulk check to XXXX County on check number XXXX on XXXX XX/XX/XXXX. I advised XXXX that back on XXXX XX/XX/XXXX when I called Loan Care I was told the check number was XXXX and my check was sent individually and not in bulk. XXXX then stated the check number is actually XXXX and it was sent in bulk with other properties to XXXX County Revenue Commission in an amount he would not disclose. He did say my two parcels were in a spreadsheet sent in the mail with check XXXX showing two amounts of {$300.00} and {$2700.00}. I asked him to provide a copy of the the canceled check XXXX so I can take it to XXXX County and track if form there. XXXX refused to provide the canceled check XXXX that was sent by their third party processor XXXX XXXX on XXXX XX/XX/XXXX for the incorrect tax of {$3000.00} on my property that they sent to XXXX County Revenue Commission. I advised if Loan Care can not provide a copy of the canceled check XXXX then it was never cashed. XXXX started to argue with me and I advised that without proof of the cashed check that XXXX XXXX allegedly sent to XXXX County, then it is the same as the check never being sent and it is upon Loan Care to find where the money went because it sure was not applied to my XXXX County property tax account nor has it been refunded back to me. XXXX XX/XX/XXXX : At XXXX XXXX I called XXXX County Revenue Commissionand spoke with XXXX XXXX XXXX that Loan Care isnowsaying that two amounts were disbursed in the bulk check of unspecified amount that Loan Care sent from their third party processor XXXX XXXX two amounts {$300.00} and {$2600.00} ( {$3000.00} total ) on XXXX XXXX XXXX thenlocated the payment on check number XXXX from XXXX XXXX and then advised that XXXX County sent a bulk check back to XXXX XXXX on XXXX XX/XX/XXXX on check number XXXX fromtheir account XXXXXXXX XXXX in XXXX, Alabama in the amount of {$130000.00} along with a spread sheet showing my two parcels XXXX XXXX XXXX in the amount of {$2700.00} and XXXX XXXX XXXX in the amount of {$300.00} ( XXXX XXXXXXXX ). XXXX XXXX stated that the XXXX County Revenue Commission Check number XXXXwas indeed cashed andcleared XXXX XXXX on XXXX XX/XX/XXXX. XXXX XX/XX/XXXX : at XXXXXXXX XXXX I called Loan Care and spoke with XXXX ( XXXX XXXX ). I advised XXXX that I do not owe tax on my property for XXXX and that the {$3000.00} Loan Care sent using its third party payment processor XXXX XXXX was sent back to XXXX XXXX XXXX XXXX XXXX in XXXX, Texas XXXX in bulk check XXXX in the amount of {$130000.00} from XXXX County Commission on XXXX XX/XX/XXXX and XXXX XXXX cashed the check on XXXX XX/XX/XXXX. XXXX XXXX has had the returned money for the incorrect tax amount charged to my loan now for 41 days and counting. If Loan Care would like to know who cashed the check ( if not XXXX XXXX ), they need to contact XXXX XXXX at XXXX County by calling XXXX.I advised XXXX, once again to call XXXX XXXX XXXX County Revenue Commissionat XXXX if they have any further questions or need documents. I also advised XXXX to raise this issue to her next level of appropriate management to remove the incorrect {$3000.00} in taxes on my loan at Loan Care ASAP. XXXX said that was not her job to do so. SUMMARY : Loan CareHasViolated FRCA : Loan Careincorrectly increased my loan balance all three credit reporting agencies on XXXX XX/XX/XXXX by including the incorrect tax amount of {$3000.00} Loan Care sent to XXXX CountyRevenue Commission on XXXX XX/XX/XXXX into my loan balance. To this very day, I have documented thatLoan Care continues to report a higher incorrect loanbalanceamount to all three credit reporting agencies even afterI conducted the following documented activities : 1 ) XXXX XX/XX/XXXX : I uploaded the corrected XXXX County {$0.00} property tax bills to the Loan Care website. 2 ) XXXX XX/XX/XXXX and XXXX XX/XX/XXXX : The higher incorrect loan balanceamount wasdisputed on XXXX XX/XX/XXXX and XXXX XXXX XXXX the credit reporting agencies and Loan Carecoming backreporting the higher incorrect balancewithout correcting it. 3 ) XXXX XX/XX/XXXX : I called Loan Careto inform them that I uploaded the corrected XXXX County property tax billsand I do not owe taxes and told them to resolve the issue ASAP. Loan Care did nothing to correct the problem they created by sending the incorrect property tax of {$3000.00} to XXXX County that I never owed, Loan CareHasViolated RESPA : 1 ) XXXX XX/XX/XXXX : Loan Care produced and posted to my account on the Loan Care website an incorrect and much higher Escrow amount of {$1600.00} by including the {$3000.00} taxes I do not owe and have not owed since I uploaded my XXXX County property tax exemption documents to the Loan Care website on XXXX XX/XX/XXXX. After I have spent 58 hours, 26 phone calls and over 20 emails from XX/XX/XXXX to XX/XX/XXXX ( 3 months ), Loan Care has STILL not removed the incorrect {$3000.00} they sent in significant error to XXXX County Revenue Commission from my escrow account despite the fact XXXX County Revenue Commission sent check XXXX back to XXXX XXXX on XXXX XX/XX/XXXX which was cashed by XXXX XXXX on XX/XX/XXXX, XXXX days ago. Loan Care has done absolutely NOTHING to fix this issue for 3 months and counting. I have had to do all the work when it should have been Loan Care contacting XXXX County Revenue Commission to resolve this as I have asked all along.As a result, Loan Care inviolation of RESPAfor producing an incorrect Escrow on XXXX XXXX XXXXandreported my loan balance incorrectlysince XXXX XXXX XXXX the three credit reporting agencies in violation of FCRA. I have all my documentsand recordsin order. Loan Carehas been noticed toaccomplish the following by XXXX XX/XX/XXXX in writing sent with XXXX tracking : 1 ) Remove theincorrect {$3000.00} tax on my propertyfor XXXX tax year. 2 ) Aformal letter from Loan Care issued to me resolving the matter back to {$0.00} tax statusfor XXXX. 3 ) Another escrow be done on my property removing the incorrect XXXX on my property and a new monthly mortgage statement be issuedin the correct amount of {$1000.00}. The new escrow must be sent to me at my address and posted on the Loan Care website. 4 ) Update all three credit reporting agencies the correct loan balance by removing the incorrect {$3000.00} property tax added to the loan balance. 5 ) Due to the extreme difficulty of trying to get a simple issue resolved and spending58 hours, 26 phone calls and over 20 emails from XX/XX/XXXX to XX/XX/XXXX ( all documented in detail ) trying to resolve an issue that is Loan Caresfault andresponsibility. A check for {$2500.00} plus applicable state and local taxes must be sent to me at my property address.This covers the FCRA and RESPA violations as well as my time and money spent trying to resolve the issue for over three months. Should thefiveitemsnot be completed by XXXX XX/XX/XXXX, I will move forward with FCRA and RESPAlitigation and Loan Care will be responsible for attorney fees, my costs ( time and expenses ) as well as damages as allowed by law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: NOTICE TO AGENT IS NOTICE TO PRINCIPLE AND NOTICE TO PRINCIPLE IS NOTICE TO AGENT. NOTICE OF REJECTION, REVOCATION AND TERMINATION OF ALL SECURITY INTEREST. This letter shall be considered lawful notice that I hereby REJECT, REVOKE and TERMINATE of all security interest to you. I am now doing the recession of the security interest that I gave you. I am doing a recession of you being able to keep my proceeds from the security. I am taking back the security interest that I gave you in this contract and the proceeds that you are receiving off of my contract. This correspondence is to request all certified copies and/or copies of all bonds, securities, assets, and contracts being used to leverage or involved in the beforementioned ( loans/mortgage/promissory ) numbers. Please be timely with your response to the Regulation Z and Federal-Truth-In-Lending Act guidelines. LOANCARE , LLC on behalf of XXXX XXXX XXXX XXXX XXXX multiple violations of Federal Debt Collection Practices Act ( FDC PA ), violations of UCC 3-501, Violation of Privacy and Gramm-Leach-Bliley Act, fraud, aggravated identity theft, Identity theft, extortion, theft by deception, mail fraud, Slandering, Libel, Securities and Exchange Commission ( SEC ) and General Accepted Accounting Principles ( GAAP ) fraud. negligent and willful noncompliance with the law. UCC 3-501 also requires servicer to show authority to make demand for payments, if it does not own the note, but is merely servicing it. In the event a note holder or servicer or will not exhibit the note or perform other legal requirements when requested to do so by the borrower, this UCC section allows the borrower to discontinue payments WITHOUT DISHONOR until such time as the note holder or servicer complies with all laws or contract provisions. This letter shall be considered lawful notice that LOANCARE , LLC on behalf of XXXX XXXX. All prior Powers of Attorney, all other prior presumed or granted Executorships, Trust, MERS and Agency relationships are terminated. I hereby invoke all of the protection guaranteed to me under all Titles, Codes, Statutes and/or laws, the Florida Constitution and the Constitution for these United States XXXX LOANCARE , LLC on behalf of XXXX XXXX XXXX XXXX XXXX willful noncompliance with the law, Civil liability. Criminal liability for willful and knowing violation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33579
Submitted Via: Web
Date Sent: 2024-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I hope this letter finds you well. I am writing to bring to your attention a matter of concern regarding the reporting of late payments on my credit report. I recently obtained a copy of my credit report and noticed that there are late payments listed on my account. Upon reviewing my records, I have not been delinquent on my payments, and this discrepancy is causing a negative impact on my credit score. I understand the importance of maintaining a positive credit history, and I am eager to rectify this situation promptly. LOANCARE LLC XXXX I kindly request your assistance in investigating and correcting the late payment entries on my credit report. I have attached copies of my payment statements for the relevant months, which clearly show that I made the payments on time. I understand that errors can occur, and I appreciate your prompt attention to this matter. I kindly ask for your cooperation in correcting my credit report as soon as possible. Additionally, I request confirmation in writing once the necessary corrections have been made. Thank you for your understanding and cooperation in resolving this issue. I believe that with your prompt attention, we can rectify this matter swiftly and ensure the accuracy of my credit report.
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: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I SENT A NOTICE TO OPT OUT AND REQUESTED FORM TRUST AGREEMENT AND CONSUMER CONTRACT.THEY NEVER PROVIDED ANY CONTRACT THAT LIST THEM LOANCARE OR XXXX AND I XXXX XXXX .IN ADDITION TO THEIR LACK OF DOCUMENTATION I WAS NEVER PROVIDED DETAILS TO OPT OUT AND NEVER AGREED TO DO BUSINESS WITH THEM. Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given to you written, un-written, verbal, and non-verbal per 15 USC 6802. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting effective immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76131
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: Loan Cares website does not allow the customer to upload documents nor does it give any confirmation ticket numbers to the customer email to confirm documents have been submitted to the website. Loan Care does not provide an email to send documents to them even when I advised them that the documents will not upload to the Loan Care website. I have attempted to upload documents for a tax problem I am having, but either I get error messages or I never get any confirmation with a ticket number sent to my email that the documents have been submitted to the Loan Care website. I uploaded documents on XXXX XXXX XXXX XXXX XXXXXX/XX/2024 and XXXX XX/XX/2024 and I do not have email confirmation of the document uploads nor does the website produce a confirmation number if you manage to submit the documents. The customer is unable to access any history of document submission on the Loan Care website so there is no record at all of the documents that have been submitted to Loan Care or any communication about the problems the customer has with their mortgage loan. In addition, if you manage SOMEHOW to submit documents to the Loan Care website, you can only send one communication per day. That means if you have a tax and an insurance issue, you have to upload the documents to the Loan Care website you have to spend two days doing it and you do not get any email confirmation they have it. This makes it impossible to communicate with Loan Care to fix critical problems with my loan. This has caused an incorrect {$600.00} increase in my monthly mortgage payment that I do not owe due to Loan Cares error and this problem has been going on now for over two months and Loan Care has not fixed it. I have a screen shot of the docum ents I attempted to upload to Loan Care before I pressed the " submit '' button, but I have no ticket numbers for the three submissions I made on the Loan Care website. Not having any record about the problems I report to Loan Care or upload to the Loan Care website is now a violation of Deceptive Trade Practices Act ( DTPA ). Not fixing the incorrect loan balance and monthly mortgage payment on all three of my credit reports is a violation of the Fair Credit Reporting Act ( FCRA ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: Loancare XXXX XXXX XXXX XXXX switched to a new online system or portal. Their new system will not let me add my bank account as a payment method and keeps saying " enter a valid routing number '' The routing number is for XXXX XXXX and is XXXX I attempted to add my secondary bank account ( from a different financial institution ) and it allows me to add it with XXXX errors. The bank account is not new and I have been making mortgage payments with the bank account for several years. Additionally, when I call to have an agent assist me with making the payment, they are able to process the payment manually.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91915
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A