Date Received: 2023-05-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Data breach with mortgage company caused late payments to accrue on my account. My mortgage was being paid on time every month, there was a fraud company identical to loancare that was recieving the payments due to the data breach.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20877
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have medical issues and I requested a forbearance. I was told, a homeowner can only get a forbearance for covid related issues. However on the loan care website it lists other reasons that qualify for mortgage relief. Loan care is not working with me to ensure I have the best option available to me. I have everyday for the past week and each representative gives me different information. some say I qualify for a forbearance for medical issues but loan care only sent me paperwork for a loan modification which is only like a {$150.00} reduction, this is not a big help for me seeing as how I am currently XXXX XXXX XXXX XXXX XXXX XXXX XXXX I just want to be treated fairly and given the options available to homeowners who are struggling to pay their mortgage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36116
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX ( XXXX : XXXX ) XXXX XXXX XXXX XXXX XXXX WV XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Loancare LLC XXXXXXXX ), has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 261XX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
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: In XXXX of XXXX I entered into a forbearance with my mortgage lender, Loancare, due to a direct impact from the National XXXX Emergency. During the time of my forbearance, I was meant to be protected under the U.S. CARES ACT from any negative reporting to the credit bureaus by my lender, being that I had a federally backed FHA loan. After eventually reestablishing a partial loan modification through Loancare 's loss mitigation department, I exited my forbearance and began making regular payments again in XXXX of XXXX. On XX/XX/XXXX I sold my home, paying back Loancare in full, closing my account. Upon applying for a new apartment shortly after, I discovered that Loancare had reported numerous 30 day past due delinquencies beginning XXXX, XXXX through XXXX, XXXX. All but two months of this time I was under the aforementioned forbearance. Because of this information on my report, it directly resulted in the denial of my apartment application. I disputed this information with XXXX, the service that conducted the credit check for the apartment I was applying to, explaining the information as I explained above. Loancare claimed the reporting was accurate. I contacted Loancare to inquire about this. The agent I spoke to at Loancare was able to confirm I exited the forbearance at the time in which I've stated I did. I also have signed and notarized correspondence between myself and Loancare confirming the new agreement and the date it went into effect. The agent told me to file a dispute directly with Loancare providing all of the information, sent from them, that I had. I did so. After one month, Loancare mailed me a letter upon finishing their investigation and claimed that the reporting was accurate. I called Loancare back to get to the bottom of this situation. After eventually speaking with someone in a supervisory position, it was explained to me that because my account was technically delinquent right before I entered into my forbearance, which the reason for was directly related to the XXXX Emergency, all reporting after that time was reported as delinquent, or in this case, 30 days past due. I explained to the representative that the way my credit report, based on Loancare 's reporting, reads to any potential future lender, is that I neglected to make payments on my mortgage for well over a year, when in fact it isn't that black and white. I asked if they could contact the credit agency, XXXX, and request my report be fixed to reflect a non-delinquency status during the time I was enrolled in my forbearance with them, which was XXXX of XXXX through XXXX of XXXX. I didn't ask for the delinquency for the month prior to my forbearance be removed, just during the time I was told I wouldn't have negative reporting on my account. The Loancare representative told me that although they were the ones reporting the delinquencies, there was nothing that they could do. She told me I could dispute it with XXXX to have it corrected. I called XXXX and filed a dispute with them on XX/XX/XXXX after explaining all of the aforementioned information. XXXX finally finished conducting the dispute today, XX/XX/XXXX and Loancare maintains the information reported is accurate. My report reads the same as it did before the dispute with the exception of my report reading that the overall account is closed and paid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91411
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Last year on XX/XX/2023 I spoke to Loancare loss mitigation department after they determined there was an error by the trustee the instructed me to send a check to them for full and final settlement. The check was tendered to the loss mitigation department along with a written agreement that the loan was settled and payment was considered in full. The check was installed by someone in Loss mitigation next to the statement paid in full. To me this indicates that they acknowledged the check and cashed. if they rejected it they should have sent it back to me. however they cashed the check and then proceeded to still attempt to collect on the mortgage. Attempts to solve this with them directly has resulted in nothing but canned responses to even the simplest of inquiries. Now LoanCare refuses to release the lien on my mortgage and are wrongfully holding the title to my property.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/XXXX I sent an email with an attached letter from my city assessor office. The letter showed previous owners were tax exempt. The letter stated that tax exemption was being removed/transferred. After receiving my email my monthly payment decreased to {$940.00}. The change in my payment has caused a negative balance in my escrow because Loancare had me listed as tax exempt, but I am not. This mistake was discovered in XXXX of XXXX causing my payment to suddenly increase to {$1800.00}. I called and spoke to many, many supervisors and representatives. I was advised to continue paying the {$940.00}. An investigation was opened that took several months while my account was showing delinquent because the system required the increased amount. I was advised that my payments would be held in a holding account until the total increased amount is collected then applied as one payment. XXXX happened while the investigation was still undergo. Therefore, I was able apply for a forbearance while waiting. My payment history will show that I have continued to makepay ments each month sometimes twice a month whatever I can afford. Unfortunately, because my account was already delinquent before the forbearance this mistake has negatively impacted my credit score severely. Loancare has reported to all my credit bureaus non-payments and delinquencies. I have tried to work with Loancare, I sent a complaint in to the XXXX and we had a mediation in which XXXX XXXX XXXX agreed to update credit reporting. I recieved a letter from their office stating that credit reporting is correct. I have supporting documents that I sent to Loancare years ago about changing my tax status.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48906
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Requested a proof of claim of debt and loan servicing company refused to show proof of title or holder in due course. Was in middle of dispute of debt when non judicial trustee sale by sheriff even after offered 1099 A was given, bankers acceptance was offered to the court x 2 for settlement, set off and closure of the account to stay in honor and judge refused. A 1099 c was sent along with multiple letters and default sent for failure to respond and was still evicted from home by constable removal. 4490 proof of claim was sent as well as form 4810 for a speedy evaluation. Tort claim is being sent off as well for damages against the UCC1 with SOS of Texas holding superior title. Informed the courts as well I was the living breathing man and not a corporate fiction, as beneficiary, Rodriguez vz Ray Donavan declares statues, laws, regulations and code pertain to corporations only and not living. Claim filed with FTC report numberXX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 776XX
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am under the impression that once all distributions have been made from an escrow account any overage is to be refunded within 30 days. For years now that has not been the case with the mortgage company I'm associated with. After years of this slipping past me I approached the company and was told they took any overage and applied it to whatever, I was given no indication of where any overage went However, after doing so I did receive XXXX overage check from them. Loan Care took over my mortgage I believe in XXXX or XXXX, I've been with them ever since. It appears everything started over in XXXX when I streamlined my mortgage. All distributions from my escrow were paid out as of XX/XX/XXXX. I've been told they will not issue any overage until XX/XX/XXXX after an escrow analysis has been performed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Below is the issue : To : LoanCare Attn : Mortgage Resolution XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Error Resolution Notice under 12 C.F.R 1024.35 To Whom It May Concern : We received your reply, along with the payment history payment, however, it still does not address or rectify the issue. As you noted the initial payment after we fulfilled the terms of the Modification Agreement was {$500.00} short. However, the month before on XX/XX/2019, there is a {$500.00} credit that was applied thus lowering the payment the following month of XX/XX/2019 to {$2300.00}. We were never given an explanation as to what and why this {$500.00} credit was applied. It would seem to us that for whatever reason this credit was applied and then not considered when we made the payment the following month. Either way the error is/was not on our part and this needs to be corrected and updated immediately to reflect our true and accurate payment history. They refuse to acknowledge their mistake nor explain where and what this {$500.00} credit is. When I asked for all mortgage statements for 2019 Loancare conveniently omitted the XXXX statement that could have shed some light on this. As a result they keep saying we are 30 days late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19038
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We made our last mortgage payment with Loancare Loan Number : XXXXXXXX XXXX XXXXXXXX and we were advised late by LoanCare that new Mortgage was under XXXX XXXX. XXXX XXXX to date has never received payment from LoanCare to-date. XXXX XXXX with Loan number XXXX has put us in delinquency status because LoanCare has not paid them the last payment we made in XX/XX/XXXX. We have made several phone calls to LoanCare and seems that every time we call customer service is outside US and hang up on us. Several emails made to LoanCare but never got resolved. We were never delinquent in our Mortgage payment since XXXX. We need your utmost support on this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94503
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A