Date Received: 2022-12-29
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Re : Loan Payoff - Estate of XXXX and XXXX XXXX XXXX XXXX # XXXX SSN ending in XXXX To Whom it May Concern : As requested, we received a payoff letter enclosed with astounding fees of a foreclosure proceeding. Based on our court hearing, the motion for XXXX and XXXX was ordered, adjourned, and decreed that the file be declared inactive rendering file inactive. The judge, in our favor granted to suspend any actions of foreclosure proceeding. Unknowingly of fees not mentioned. To include, our title does not hold any liens of balances with the exception of a mortgage amount of {>= $1,000,000} We have contacted by phone, both XXXX and XXXX and LoanCare , LLC for dignified actions, but was to only be diverted to one another to resolve. This letter is to kindly plead a request of the immediate cancellation of the fees in the payoff of the mortgage effective XX/XX/2022. Our good faith has provided upkept payments to LoanCare , LLC to the home for preservation and maintenance. In receipt, please provide an updated payoff letter for us to file with the Estate. Should you need to contact us, please do not hesitate to call at XXXX. We thank you in advance for your expeditious actions, and consideration in this matter. Sincerely, Heirs to the Estate of XXXX and XXXX XXXX, 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: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: The purposes of this complaint are to : ( XXXX ) inform LoanCare and/or XXXX XXXX XXXX that I went to settlement on XX/XX/2022 and sold my home at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX the buyer, XXXX XXXX XXXX XXXX XXXX ) request that LoanCare cease all further foreclosure proceedings since the home has now been sold, ( XXXX ) request that LoanCare remove my former attorney, XXXX XXXX name and office address as the primary point of contact for my account. XXXX XXXX office address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. Her cell phone number is ( XXXX ) XXXX and her office number is ( XXXX ) XXXX. Please note that XXXX XXXX is no longer representing me since the Declaratory Judgment and Order Quieting Title was issued by Judge XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/2022. ( XXXX ) request that effective immediately, all correspondence from LoanCare and XXXX XXXX XXXX should be sent to me at XXXX Smooth XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. I can be contacted on my cell phone number at ( XXXX ) XXXX and by E-Mail at XXXX ( XXXX ) request that LoanCare remove the cease and desist notice from my account, ( XXXX ) request that LoanCare remove all fees and penalties from my account retroactive from XX/XX/2022 to present due to submission of my previous request for forbearance on XX/XX/2022, ( XXXX ) provide a copy of my mortgage loan payoff statement to me by E-Mail at XXXX and ( XXXX ) provide two separate invoices for attorney fees, one related to the XXXX XXXX XXXX and a separate invoice related to the foreclosure that was prevented by the sale of my home on XX/XX/2022.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Our current mortgage company LoancareXXXXXXXX has taken over {$3000.00} from my husband 's bank account without authorization. My husband and I both have contacted them numerous times by phone and by email. They have yet to refund our money nor do they have any excuse for the transacations. My husband has had overdraft fees as well as accumulated credit card fees, late fees, bills we can't pay because we have no money. Our bank account has been overdrawn since XXXX XXXXXX/XX/19 and we have no cash. Please help us get our money back. We have also been wronged by XXXXXXXX XXXX out of XXXXXXXX XXXX They allowed all of these transacations to go through when we were told they would not. The account was already overdrawn but they still continued to let these transactions to go through and post.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In mid XXXX, I asked my loan servicing company, Loancare to please help me as I could not make the complete mortgage payments due to XXXX and a reduction of income and pension. Since XXXX, the mortgage company has had us in a spiral process of requesting many pieces of documentation to support an application for modification of the loan. Upon not hearing about any final decision from the servicer Loancare for a modification request, whether they would or would not modify my loan, I hired XXXX XXXX XXXX XXXX ( an attorney ) in XX/XX/XXXX to assist me with a modification request and representation. It is now XX/XX/XXXX and Loancare has still not returned a modification response. I have recovered my income from self-employment and my company from which I retired reinstated my pension award as of XX/XX/XXXX. I would like to make a payment agreement with my mortgager but they DO NOT respond to the attorney nor myself. All they continue to do is say that documentation provided in the past has expired and to resent documentation. The documentation has expired because they continue to let time elapse and do not respond to modification requests. Now our home has fallen into the foreclosure process. We really wish to not lose our home. We need Loancare to respond by making a payment agreement or modification agreement so that we can resume payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX, a payment inquiry was sent to Loan Care in order to find out what was the late balance owed from the Texas Homeowners Assistance program. My mortgage company never responded. I called them several times and they finally admitted to receiving it but did not respond. On XX/XX/XXXX the HAF payment was sent electronically to loan care, and they still have not updated the payment. Loan care is not handling this well. They can never seem to answer my questions. They confirmed the payment was received but can not tell me when they will process it. I will likely now get more late fees and have negative impact reported by them to the credit bureaus. Texas HAF sent {$10.00}, XXXX on XX/XX/XXXX to cover XXXX, XXXX, XXXX, and XXXX mortgage payments. On XX/XX/XXXX the payment has not been applied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77373
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I had massive identity theft and was not able to recover funds because the CFPB nor the police protected me when I reported this three years ago. So even though I have receipts of other persons using my bank account, I still did not recover a cent. Then, during XXXX I lost a job, had no funds thanks to the identity theft, and had to move to start over. I finally started recovering but one of the jobs I took was essentially remote, so I had to step down because once XXXX ended, they wanted someone more in the office and the job was several hours away. So I did XXXX to attempt to work, but thanks to XXXX, XXXX is only now recovering from the pandemic. So, I just began a new job a few months ago, however thanks to the ongoing identity theft ( XXXX swapping, XXXX spoofing, device management ) I lost even more funds, that I cant recover despite evidence that other devices were logging into my accounts and my accounts were used in two cities and states at the same time ( XXXX, XXXX ). So, I applied for XXXX since XX/XX/2022. Only then did I discover that XXXX XXXX continued to buy unnecessary insurances for my mortgage and ran my escrow into the negative. Right when I got the initial approval for XXXX, XXXX transferred me ( this is the fourth time my loan has been transferred in a year of owning the home ). XXXX says they have tried to reach out to the lender ( LoanCare ) to no avail. Apparently, unless I call every day, no one is doing what they should and Im about to lose my home because XXXX and LOANCARE cant figure out how to communicate with each other, even though I tagged them both in emails together. Also, concerning my device being compromised, my caseworker in XXXX sent me a spoofing email with device management. This was confirmed by XXXX. So Im about to lose my home because my previous mortgage lender did fraud and had to correct it. The social worker over my case helped compromise my device and the police in this state refuse to arrest a pastor and his wife who used my bank accounts and obtained fraudulent student loans, credit cards and loans using my identity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 272XX
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage company servicer, LoanCare received funds reported by LoanCare, from the California Mortgage Relief Program, to my my loan current through XX/XX/2022. The California Mortgage Relief Program notified me the funds stated by LoanCare had been transferred on XX/XX/2022. I was not able to access my account online or get a verification that LoanCare had received the funds to bring my loan current, until my first payment was due outside of this payoff by the state of CA, i.e. XXXX XXXX, 2022. On this date I saw that I was billed for XXXX late fees over the period of forbearance previous to the payoff request balance to LoanCare and being issued the funds by the California Mortgage Relief Program. When I called LoanCare to ask why these penalties were applied to my account, and if justified why werent they included in the amount requested to the California Mortgage Relief Program, I wasnt given answers and was told a supervisor would be calling me later to resolve the discrepancy. I never received a call nor any future calls promised by LoanCare. I also requested a balance sheet showing the charges of LoanCare for the money they received from the CA Mortgage Relief Program. Again they claimed they could not accommodate me and I received no response from any higher authorities as promised.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92103
Submitted Via: Web
Date Sent: 2022-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My complaint is with LoanCare , LLC and the lack of assistance, processing, communication, and continued misleading information during the process of me attempting to resolve saving my XXXX 's property. LoanCare has violated my CA successor of XXXX Rights, when I submitted all documents requested to do so from XXXX XXXX, in a timely manner and informed them of my status as executrix and intentions to take over the mortgage before loan defaulted. I immediately attempted several times to contact them and stated my position, provided my contact information, confirmed the situation of my father 's passing on XX/XX/XXXX, and requested for loan information so that I could handle the payments, etc. Literally, every time I called I was either refused of given information and/or different information that was misleading for me to resolve the matter. It took Loan Care months for them to inform me I needed to submit the death certificate and Trust/ Will, in which I did so in XXXX and Loan Care closed the account instead of proceeding with processing me as successor of interest with caused a delay of me able to submit applications for assistance as borrow. I had/am been the one to continuously reach out to check the status, in which I requested for a response, follow up, documentation of approval or denial during the duration of the process. I was never told of any options or outside agencies to assist me in the matter until Loan Care pushed to loan to foreclosure on XX/XX/XXXX when XXXX XXXX clearly knew my position and intentions of taking over the loan. I was misled, told I could apply for a forbearance loan, which I did XXXX times online.in which my application was deleted and had to wait for submit mortgage assistance application due to Loan Care lack of updating account with my name as executor and closing out account instead of proceeding as successor of interest, etc. Once I submitted the mortgage assistance application LoanCare kept denying my application and requesting for some documents in which I had already submitted or not applicable to the situation if they had thoroughly read my paperwork. I have submitted over XXXX documents to Loan Care for review for the mortgage assistance program and spoke to relationship managers to review and requested to expedite the process being the process had been delayed on behalf on LoanCare lack and misleading communication. I was informed to sign the affidavit, form 4506C, letter of explanation for me not filing for XXXX XXXX taxes that I was told would be sufficient. Now I am being told I have to wait till the IRS process my taxes. I have spoke to XXXX XXXX and Loan Care numerous times week to week, month to month and even requested if I could make a lump sum of at least half the arrears and continue with the month mortgage even until a decision was made on the mortgage assistance program assistance and LoanCare failed to work with me although Loan Care did not assistant in preventing foreclosure and lack of any assistance in a timely manner to avoid additional fees and foreclosure. I am requesting for all notes of account, and phone conversations. XXXX thanks, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94603
Submitted Via: Web
Date Sent: 2022-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My loan was transferred to Loancare on or about XX/XX/2022. Since then my payment is listed incorrectly. I have placed several calls and each time I was told to wait as my loan was being " reviewed ''. To date, nothing has been corrected. The main issue appears to be with my escrow. I received a check from Loancare for approximately {$5300.00}. However, this now means I have very little to almost nothing in escrow. As my taxes and insurance come due, I will not have funds in escrow to cover those amounts. I assume my payment will then jump from the incorrect amount of {$1600.00} to who knows what. I used to pay $ XXXX. Nothing changed, just the servicing and now I have a {$5300.00} check and my payment went from {$1800.00} to {$1600.00}. Additionally, I can't make an online payment for some reason as the " scheduling is currently unavailable ''. I'm not calling in an wasting my time anymore. They need to fix this now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage was opened with XXXX XXXX XXXX XXXX XXXX OH ) in XX/XX/XXXX. It was recently sold to LoanCare LLC ( XXXX XXXX, VA ) in XX/XX/XXXX. The loan number is XXXX. The transfer date is XX/XX/XXXX. A number of issues occurred during the transition to LoanCare, which resulted in the LoanCare website showing incorrect data for weeks. This data included incorrect original loan amount, interest rate, and payment amount. I have called LoanCare customer service no less than five times to ask them to review the data and resolve the issues. While the data on the LoanCare website is now correct, there is still a " payment block '' in place which is preventing me from paying my mortgage. The payment block also prevent LoanCare customer service from taking payments. It has been 46 days since the mortgage transfer, and seeing how I only have a grace period of 60 days before payments can be considered late, I am extremely concerned that LoanCare will do nothing to resolve this situation and that I will be at risk of foreclosure. The LoanCare customer service representatives have repeatedly assured me that they have " escalated '' my case in order to remove the payment block, but it remains in place today.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45215
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A