Date Received: 2023-02-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: LoanCare LLC continues to report inaccurate balances on my credit report. I have disputed this inaccurate information to all three credit bureaus when my current balance was inaccurately posted at $ XXXX, I have never had a loan with the company in that amount. My loan amount with LoanCare was $ XXXX with a lower current balance. I have been making timely payments on this account since its origination. Now, LoanCare has again reported an inaccurate current balance of $ XXXX on my credit report which has again negatively affected my credit score. The correct current balance that LoanCare has failed to accurately report to all three credit bureaus for the last few months is {$220000.00}. These inaccurate reports to the credit bureaus has consistently resulted in decreases in my credit score without any full recovery once any form of adjustment was made. Its beginning to feel like fraudulent and targeted inaccurate reporting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20743
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: LoanCare LLC is acting unlawfully as governmental agent collecting property taxes that I do not owe. Despite my objection LoanCare opened escrow account without my consent on XX/XX/XXXX and started to apply my monthly mortgage payments of {$1300.00} towards these unlawful property taxes instead of my loan principal by which they breached their contract with me. I have also discovered that LoanCare LLC took my Application/Promissory Note and gave me nothing of substance of theirs for it which constitutes fraud and theft. With that I requested forensic audit on my loan account, disclosure of documents and that LoanCare is the holder of my original Promissory Note with the following detail actions and documents served : 1. I am aware that every state of the Union is guaranteed republican form of government with Constitution being the supreme Law of the Land pursuant to Article VI Section 2 and Section 3 that secures unalienable XXXX given Rights to the People, in this case myself, such as the Right to own private property ; and 2. Based on extensive research I discovered that the organic XXXX California Constitution was replaced by XXXX California Constitution, a corporate charter, to mislead the People and to bring them under a fascist corporate tyranny that brought property taxation ; and 3. Then on XX/XX/XXXX this XXXX California Constitution was repealed which consequently repealed private property taxation ; and this repeal has been a matter of public record for over sixty one ( 61 ) years ; and 4. I discovered that property tax is based on the value of a property computed in the obligations of the United States ( Federal Reserve Notes ) ; and that no State or its subdivision shall tax the obligations of the United States pursuant to federal law ; and 5. I have perfected Land Patent No. 501 and the specific portion that pertains to Claimants private property by bringing it forward in my name which is a matter of public record through Affidavit of Publication issued on XX/XX/XXXX by XXXX XXXX XXXX XXXX, a newspaper adjudicated by the Superior Court of the County XXXX XXXX XXXX XXXX XXXX California ; and which is now a matter of public record ; and 6. I XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX # XXXX Tax Collector that my property is not subject to property taxation via form of Affidavit XXXX XXXX of XXXX defaulted on by which they agreed and admitted without an objection that Affiants property is private and does not fall under corporate XXXX of XXXX, agent of corporate State of California, jurisdiction and is not to be misclassified as commercial ; and 7. XXXX of XXXX XXXX Assessor by their default agreed and admitted without an objection that my property is indeed private dwelling/land secured under Land Patent which is supreme Title and XXXX unlike the fraudulently issued Trust Deed, which is inferior and only color of title to trick and deceit the People ; and 8. County of XXXX XXXX XXXX and XXXX Collector failed to rebut my Affidavit and claim that my private dwelling/property is not private property/land and is subjected to property taxation under repealed XXXX California Constitution; and 9. Furthermore, I found out that there is no money of exchange to pay for anything, and I XXXX XXXX XXXX XXXX XXXX XXXX and Treasurer-Tax Collector Verified Good Faith Offer to Pay dated XX/XX/XXXX via Certified Mail Number XXXX which was received on XX/XX/XXXX ; and XXXX. I requested XXXX XXXX XXXX to specify the specie in which to pay or how shall the alleged property tax debt be XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX and XXXX Collector XXXX XXXX Verified Good Faith Offer To Pay which pursuant to Tender of Payment Law UCC XXXX rendered any such alleged property tax debt discharged ; and XXXX. I XXXX XXXX XXXX XXXX XXXX XXXX and Treasurer-Tax Collector Lawful Notice of Discharge on XX/XX/XXXX ; and 12. XXXX XXXX of XXXX XXXX realized that I will not pay them taxes I do not owe they hired LoanCare LLC as their thug to extort me for the funds they could not extort from me directly ; and 12. I started to receive harassing letters from LoanCare LLC agents/employees/assigns around late summer XXXX that if I do not pay alleged property taxes LoanCare LLC agents/employees/assigns will open an escrow account to pay for the alleged property taxes that I do not owe ; and 13. I contacted LoanCare LLC agents/employees/assigns clearly stating that I do not consent to opening of an escrow account for the above stated reasons as I do not owe property taxes on her private property/land ; and 14. My Assistance of Counsel/NexXXXX Friend, XXXX XXXX XXXX and I, called LoanCare LLC institution on a recorded line on XX/XX/XXXX at XXXX and spoke with agent named XXXX to explain in a great detail the situation ; and XXXX XXXX of XXXX XXXX and their agents are in litigation with me and trying to use LoanCare LLC and their agents/employees as unauthorized government agent to extort me for funds I do not owe ; and 15. On XX/XX/XXXX at XXXX my Assistance of Counsel and I called LoanCare LLC institution again and spoke with agent named XXXX ID # XXXX ; and XXXX seemed to understand for which she escalated the issue to agent named XXXX ID # XXXX ; and 16. Then on XX/XX/XXXX my Assistance of XXXX and I, called again LoanCare LLC institution to explain the situation yet to another agent on a recorded line ; and all these calls are recorded and made part of a record ; and 17. Despite the above mentioned recorded communication and disclosure LoanCare LLC agents/employees/assigns unlawfully opened an escrow account without my consent on XX/XX/XXXX ; and LoanCare and their agents/employees/assigns started to apply my mortgage payments towards this unlawful escrow account to XXXX XXXX of XXXX XXXX alleged property taxes that I do not owe ; and by doing so LoanCare LLC and their agents/employees/assigns breached the contract between me and LoanCare LLC causing injury ; and 18. I served LoanCare LLC CEO, XXXX XXXX, 'Lawful Notification ' via United States Post Office with Proof of Service dated XX/XX/XXXX demanding proof that my private property/land is subject to unlawful taxation XXXX XXXX of XXXX XXXX XXXX and demanding deposition and forensic audit of my loan account ; and LoanCare LLC failed/refused to afford this forensic audit as required by law ; and 19. On XX/XX/XXXX I served LoanCare LLC CEO, XXXX XXXX, Writ of Nature of Discovery and Disclosure and Memorandum of Law demanding proof that LoanCare LLC loaned me anything of substance of theirs via Certified Mail Number XXXX XXXX XXXX XXXX XXXX that was received on XX/XX/XXXX at XXXX ; and 20. I served LoanCare LLC CEO, XXXX XXXX, with Notice of Liability/Opportunity To Correct and Contest Acceptance dated XX/XX/XXXX ; and 21. I served LoanCare LLC CEO, XXXX XXXX, Notice of Fault/Opportunity to Cure and Contest Acceptance dated XX/XX/XXXX through Certified Mail Number XXXX XXXX XXXX XXXX XXXX including my Fee Schedule which XXXX XXXX received on XX/XX/XXXX at XXXX and which now serves as self-executing contract ; and XXXX. I served LoanCare XXXX XXXX, XXXX XXXX, Notice XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX via Certified Mail Number XXXX XXXX XXXX XXXX XXXX which was received on XX/XX/XXXX at XXXX ; and which serves as agreement and stipulation without objection in any court in America that LoanCare LLC did not loan anything of substance of theirs to me and by doing so causing me injury to be paid in damages ; and 23. My Assistance of Counsel, XXXX XXXX XXXX, returned Assessors Parcel Number ( APN ) # XXXX back to County XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX through Certified Mail Number XXXX XXXX XXXX XXXX XXXX that was received on XX/XX/XXXX at XXXX ; and with that this APN is no longer and in no any other way associated with my private property/land ; and 24. I continue to make the agreed mortgage payments in amount of {$1300.00} through verified XXXX online account and LoanCare LLC is not applying my payments to the principal and stating that I am in default instead by which LoanCare LLC breached our contract ; and 25. I declare that I can support the above stated with additional detail documentation which is a matter of public record and part of a court of record
Company Response:
State: CA
Zip: 934XX
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: There is an ongoing billing error dispute in which was initiated by me and is still currently being disputed. There have been several violations committed by the company during the dispute invading consumer financial protection bureau laws : XXXX XXXX, XXXX : Company sent a letter threatening to report nonpayment to the credit bureau if not received 30 days from the XX/XX/XXXX ( Adverse credit reports prohibited ) - Several phone calls from customer service and the default department to make a payment during the dispute ( Consumer 's right to withhold disputed amount ; collection action prohibited. ) -The company is not providing full disclosure in contract -The entire principal balance is in dispute since XX/XX/XXXX. There were several attempts to settle the debt. - Request specific documents from the company but did not receive them in a timely manner -Abuse of debt collection practice -Failure to validate debt or provide proof of funds
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Payments in the amount of {$2900.00} from XXXX/2022 - XXXX/2022 are not reflecting on my credit reports from LoanCare. I call in regularly to get this resolved and it has not been resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76016
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We have had multiple issues with our escrow account through LoanCare and XXXX XXXX. They are by far the worst servicing company I have ever experienced, through over 5 separate mortgages we've had. First, they refunded us $ XXXX from our account that needed to be used for taxes. When the taxes came to be paid, we waited for them to send us the notice to pay back the amount and it never came ( the funds remained on the side as we knew it had to be paid back. ) We received our tax bill from XXXX XXXX and they had to make adjustments to the value ( decreasing the amount due by appx $ XXXX ) and I've submitted to the loan servicer multiple times in the last 30 days so they can update our escrow needs. They continue to tell us it will be reviewed but in the meantime are trying to have us pay the higher amount towards our escrow. When the letter finally came regarding the $ XXXX, they did not give us an option to pay that alone, and just adjusted our mortgage payment by $ XXXX. Due to the constant errors in our escrow account, we've continuously placed requests to delete our escrow account and we would pay accordingly with XXXX XXXX and insurance company. They keep making excuses why it can't be done, saying the case will be " escalated '', and nothing happens. We have called over 10 times in the past 10 months to try and have the issue resolved. They told us we'd need a new appraisal to confirm we had 20 % equity in the home, so we confirmed we'd pay the fee and to order it. We called on several occasions over the last year to know when the appraisal would be ordered/completed and no one could answer. They told us a letter would be mailed with the cost and to sign off but a letter never came. This has been ongoing since we closed on the property since XX/XX/2021. We can not get ahold of anyone, the numbers we agreed to pay are incorrect, our tax escrow is incorrect, and after multiple requests to have everything resolved we are ignored, passed off, and lied to about why they can't help. We just want this fixed and to pay the proper amount on our mortgage. We've never missed a mortgage payment in over 10 years, have plenty of liquid assets, and no reason why we can't correct these items.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33629
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Hello- I do hope you can help me with LoanCare. I have been trying to work out a disaster repayment plan with LoanCare. I was on a forbearance program due to Hurricane Ian from XXXX to XXXX, XXXX. I was incredibly grateful LoanCare offered such a program. I entered the program under the pretense at the end of the forbearance period, someone would work with me on a repayment plan, to pay what I could and my good credit standing would not be impacted. I made a payment in XXXX of {$510.00} and a full payment in XXXX, {$1500.00}. My good credit standing is extremely important for my Government clearance. I started calling LoanCare around XXXX to discuss a disaster repayment plan. I was told someone would contact me at the end of the forbearance period. I received and completed the Mortgage Assistance Application and submitted it on XX/XX/XXXX as I was advised by a LoanCare representative around XXXX XXXX when I called to wait until the end of the forbearance period. I received no response so I followed-up with a phone call on XX/XX/XXXX. I attempted to makes another payment which was declined by LoanCare unless I could pay {$2400.00}, stating I was more than 60 days late and they could only accept a full payment or submit additional documentation for underwriting. I provided the requested documents on XX/XX/XXXX. Again I was assured there would be no impact to my credit score while a plan was being worked out with underwriting. XX/XX/XXXX, I learned LoanCare reported me as being 60 days late to the credit bureau. I spoke with another LoanCare representative on XX/XX/XXXX who stated I was told misinformation on XX/XX/XXXX, that LoanCare did not have me under the disaster forbearance program, she contacted her supervisor to correct the credit reporting and she stated NO additional documents were required from me and my current interest rate would not be changed. The next step was for underwriting to work out a disaster repayment plan. I called on XX/XX/XXXX as I had not heard back from underwriting. The LoanCare representative stated, I received incorrect information on XX/XX/XXXX. Additional documents were needed, my interest rate would like increase to the current rate and the credit bureau would continue to be notified of late payments. The only way I could prevent this was to pay {$3800.00}. I explained I receive drastically different or misinformation every time I contact LoanCare. If I knew of this impact, I would not have entered into the disaster forbearance program. I explained that every time I contact LoanCare I am misinformed and requested to speak with a manager to no avail. I followed up with an email to LoanCares Mitigation Department in XX/XX/XXXX and XX/XX/XXXX requesting for management to contact me so we can work out a disaster repayment plan there has been no response. I would appreciate any assistance, this is causing me undue stress personally and financially. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32444
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: 1. A Foreclosure on my FHA mortgage for XX/XX/XXXX with No notice to you or posted on the Property. 2. Claims of an incomplete Loss Mitigation application despite providing all documents requested. 3. Having a Homeowner Assistance Application in process for my FHA mortgage this is all happening with loan care
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 492XX
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My husband XXXX have several issues with The Loancare XXXX XXXX since they took over the loan. They have sent all credit bureau of reports of being late for 30 days due to the fact they were not processing our payments correctly. I had to repeatedly contact them because they were pulling funds from an non-existing account that my husband and I had never even heard of. We had two separate accounts they could pull the payment from after I made the payments online in which I drop boxes for two accounts. This company has also had extra fees on the account totaling over {$270.00} extra. The customer service representatives act like they dont know what Im talking about. I went to look for reviews about this company due to the fact our loan was sold to them from XXXX XXXX and elven with these reviews the complaints are the same as ours. I think they are gouging us with fees and this just ridiculous. We never had problems with the previous loan company and all our payments were on time. We need assistance on how to deal with this company. please help. We are now in the of 3 payments because of this foolishness.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45238
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In my previous complaint, XXXX, I experienced issues with our escrow account, which still appears to be incorrect. I scheduled payments to the mortgage company, in order to catch up. However, we are still being XXXX by XXXX 's independent contractors- which appears to be evidence of fraudulent activity. There are unauthorized individuals posting notices to our door, while I am at work. Today, XXXX XX/XX/2023, we were home and the Loancare XXXX Representative ( a woman ) walked up to our door, DID NOT KNOCK, and just posted this notice on our door. Here is the link to the video : XXXX XXXX XXXXXXXX Again - calling the number on the form, does resolve the problem. When calling the number on the letter ( which is posted with scotch tape this time, to my front door ), there is no response from XXXX Loancare. When I spoke with XXXX XXXX, Senior Client Liaison with XXXX Loancare, she indicated that this process would be reviewed and corrected. It has not. Finally, the escrow account is still wrong. According to Loancare, we have a shortage of {$650.00}, which is not possible since there was a {$7700.00} credit on our account from DC Government.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My loan was sold to XXXX / LoanCare. Since then, it has been a miserable and stressful experience. Payment attempts take a long time to process. The website does not show account data in a clear manner. There is little to no support and the phone system is circular, seemingly designed to avoid you from reaching a human. I keep getting calls saying i'm behind even though the site says i'm current. And because of the confusing layering of the loan owner and loan servicer its difficult to determine where to login, and you frequently have to log in to both site to mange your account. The reps are polite but unhelpful. They ask you for your XXXX several time per call. They make it so hard to pay them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21771
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A