Date Received: 2023-04-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX. XXXX XXXX XXXX XXXX NJ XXXX XXXX You are direct violation of the fair credit reporting act ( loancare XXXX ) has violated several of my rights 15 U.S.C 1681 section 602 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/all late payments and update these accounts 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: NJ
Zip: 07103
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My escrow was analyzed XX/XX/2023 The Mortgage company has miscalculated my taxes. I pointed out the mistake and they ordered a new analysis. the second analysis has made the problem worse. I filed a complaint with in the company and now they say they are not allowed to speak with any more. The problem is still not corrected and they are saying I have to pay the higher amount or they will report a delinquency to my credit report. I have faxed several request to their office of the customer and gotten no response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is the 3rd complaint as this is still not resolved. They hold on to our payments, put them in a hold, collect late fees, extra interests, raise payments, and say we are late. We have never been late. This company needs to be investigated. Still showing we are late and are accusing late fees. We have always, ALWAYS, made our payments early, and because we would not refince on their terms, they screwed up our account and it still has not been fixed. They paid our from our Escrow without reason. Most of that has been fixed but not our payments. Three times with the same complaints!!! They have listed us as being late on our credit to keep us from finding another mortgage company and lower our credit rating. I can't believe Veterans and their families are treated this way. LoanCare should have never been allowed to buy any Veterans ' VA home loans. Also attached proof that they knew about our insurance through XXXX before they screwed up our Escrow.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78413
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I want to dispute the projected amount of city tax in the escrow analysis dated XX/XX/XXXX. It projected to be {$6100.00} XXXX this year ( see page 2 of escrow analysis ). Last year, the city tax was {$760.00} ; in XXXX, the city tax was {$760.00}. There is no reason the city tax will be {$6100.00} this year, the projection is 8 times the previous amount! I don't believe this is a sane projection. The customer service refused to change this absurd projection, and insisted that I need to provide official document to prove the future city tax, which is impossible. See XXXX for city tax history. See XXXX for escrow analysis statement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94085
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Since XX/XX/2019, there has been a billing error associated with account no. XXXX with financial institution LOANCARE/ XXXX XXXX XXXX XXXX XXXX XXXX The billing error has occurred since the inception of the account defined in 12 CFR 1002.2, where I extended my credit. Pursuant to 15 U.S.C. 1666 ( b ), a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. It can not be considered late because I am the one who extended the credit to LOANCAREXXXX XXXX XXXX XXXX XXXX XXXX through the credit application from my credit card defined in 15 U.S.C. 1602 ( m ). The application served as an asset, which satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper pursuant to 17 CFR 260.11b-6. To which LOANCARE / XXXX XXXX XXXX XXXX XXXX has chosen to not apply the credit to the open end account. This is considered an unauthorized use since I have received NO BENEFIT and SECURITY FRAUD BY ILLEGAL ELECTRONIC FUNDS TRANSFER. Following this notice if said financial assets are not either returned to the referenced creditor/bailor/beneficiary via mail within Three ( 3 ) business days or accepted for its intended purpose within Three ( 3 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement. In addition, I have noticed that LOANCARE/ XXXX XXXX XXXX XXXX XXXX have been redeeming the remittance coupons/ instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). By Overall enforcement authority of Federal Trade Commission 15 U.S.C. 1691 ( c ), the creditors assume a criminal and civil liability pursuant to 15 U.S.C. 1693 ( m ) & ( n ). LOANCARE/ XXXX XXXX XXXX XXXX XXXX has violated my secured federally protected consumer and constitutional rights. I demand all credits be returned on all remittances/coupons at the inception of the accounts. Furthermore, the open-end consumer credit card ( 15 U.S.C. 1602 ( m ) ) that is on file with account no # XXXX and security instrument by the applicable law ( 15 U.S.C. 1602 ( j ) ) while choosing to make unauthorized electronic fund transfers ( 15 U.S.C. 1693f ( 1 ) ). Balance will be zeroed on a monthly basis via special deposit of the interest-bearing coupons associated on the itemization statement. This BILLING ERROR dispute is for past, current, and future certificates of indebtedness under this contract. They are to apply to my extension of credit as long as there is a contract that is in place. This is being brought about due to security fraud. The creditor has been given an asset and has chosen not to provide me with the benefit of it. We have a contract and there is no statue of limitation on security fraud. The Purchase money loan, which is a cash advance, was never given to me in return for a Finance Charge pursuant to 16 CFR 433.1. The creditor has furnished deceptive forms. Performed foreclosure proceedings without consent of the beneficiary. Attached to this complaint is a copy of the registered mail, RF 112 176 342 US, sent to XXXX XXXX Chief Financial Officer of Loancare. Sent to the following address : XXXX XXXX XXXX, XXXX XXXXXXXX, VA XXXX. Through telephone conversation on XXXX, at XXXX XXXX, the calls are recorded, that is the address I was told to send billing error disputes. XXXX XXXX Chief Financial Officer is to be on the lookout for this correspondence. Also, I have performed a UCC 11 search with the Secretary of State Office in South Carolina and there is no lien filed with that office against XXXX XXXX XXXX XXXX by either creditor or foreclosing attorney. Yet, LOANCAREXXXX XXXX XXXX XXXX XXXX XXXX has put a lien in XXXX XXXX XXXX Deeds office which is fraudulent. That will also be removed by bringing the account to a zero balance. As it should have been from the inception. Again, this is your notice to cure and default before action is taken against all associated with security fraud against me, the debtor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29016
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to report an issue I am having with my mortgage company, Nations Lending. After my house fire in XX/XX/2023, Nations Lending used a third party, the XXXX XXXX XXXX XXXX, to distribute claim funds from my escrow account. However, they have withheld payment of the remaining funds, which amount to nearly {$17000.00}. Although the contractors completed the necessary work in XX/XX/2023, Nations Lending is refusing to release the final check Despite our attempts to communicate and resolve the issue, they have been unresponsive and uncooperative. They refuse to put anything in writing or give us a number or name of someone to contact. I am extremely concerned about the potential legal consequences of this situation, as my contractor, XXXX, has already contacted his lawyer and is threatening to sue me for punitive damages. I would greatly appreciate your assistance in this matter. Thank you for your time and attention. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We were approved for the Florida Homeowner 's Assistance Fund program. The program is paying for our mortgage payments between XX/XX/XXXX- XX/XX/XXXX. I can see in the online portal that the XXXX payment has been received, but it is sitting in unapplied funds and not applied to our loan. We are receiving letters stating that we are two months behind on our mortgage, even though the funds are just sitting there. Whenever I call, I am told that the problem will be corrected and our account will be brought to good-standing, but it has not been resolved after multiple attempts. Now our escrow account is a mess because XXXX XXXX is doing an escrow advance to cover our PMI payments, since the escrow funds from our mortgage payment are just sitting there and not being sent to the escrow account. Please help us fix this error. Also, as of today XX/XX/XXXX, XXXX XXXX is stating that they have not received the XXXX payment from the Homeowners Assistance Fund. HAF confirms that they mailed the payment on the XXXX, as they always do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33415
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have spoke with LoanCare atleast once a week for 6+ weeks. I was sent paperwork for a partial claim in XXXX, I asked for a breakdown of what was included in the partial claim. After many attempts and incorrect information, I received a call from LoanCare asking when I was making a payment. I said I was requesting a breakdown of the numbers included in the lump sum partial claim. I was informed, of that is expired, we will have to send out another packet to you. The packet I received 6+ weeks later is for a mortgage modification and partial claim. I immediately called and asked why there were modification paperwork included with the partial claim. I'm being told I was denied the partial claim. I have spoke to them weekly requesting a resolution because I do not wish to modify the mortgage. Spoke w LoanCare today, I was told FHA denied it and when they have the written denial notice completed they will send it to me. I asked if it states why it was denied and they said no. LoanCare repeatedly says " a supervisor will be in contact in 24-48 hours '' this has never happened and I have yet to speak with a supervisor. A covid loan modification is meant to " help '' the homeowner. By modifying my mortgage my payment will increase by approx XXXX XXXX The partial claim that is attached to the modification is what I would like to execute. The modification does nothing to the arrears owed, it simply increases my interest rate from XXXX to XXXX. I have reached out to HUD and was given a list of " resources '' however when I contact these resources they do not handle covid relief options and refer me to " call a attorney ''. I was told today to either pay the amount owed in full approx XXXX or sign the modification documents. I feel like LoanCare is not following the HUD requirements and they simply would like to change my loan from 3.125 % interest to 6.875 %. I'm not sure where else to turn to for answers
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33710
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I've recently gone through a divorce and as we were settling things financially, our mortgage payment went by the wayside. Prior to the divorce settling in XXXX of this year, we decided to put our house on the market and finally got an offer and the house was set to close in XXXX ( 2023 ). I didn't pay XXXX, XXXX, and XXXX at first ( while the house was in closing ), but then went back to pay XXXX and XXXX so I wouldn't be more than XXXX months behind. My last payment to LoanCare was on XX/XX/2023. I closed on the house on XX/XX/2023- in which a check for nearly {$200000.00} went to LoanCare to pay off the entirety of the loan. LoanCare gave the title company a payoff quote and spoke to someone. This week ( week of XX/XX/XXXX ) - I get a notification from XXXX that my credit dropped XXXX points because I'm behind on my mortgage. I'm trying to figure out HOW THIS IS POSSIBLE when the house sold, and I was given a check for the proceeds for my end. LoanCare is still showing that I owe money ( right now they show that I'm past due {$5300.00} with a payment to be paid on XX/XX/2023 ), and has negatively reported me to the credit bureaus. I called to talk to them and they said they never got the check, and the next step is foreclosure for the person who JUST bought the house and is living in it now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 211XX
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A