Date Received: 2022-09-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My Name is XXXX XXXX, I am filling a compliant against our Previous loan provider XXXX XXXX XXXX XXXX XXXX and our current loan provider ( LoanCare ). Our mortgage loan was sold to XXXX XXXX XXXX in XXXX of XXXX while we were on the care act mortgage relief. Our relief ended and XXXX XXXX XXXX sent out documents for a XXXX XXXX. We followed the steps, filled out the documents and got it notarized and mailed it back before the deadline. We received a letter and from XXXX XXXX XXXX stating our loan modification has been completed along with copies of new loan amount and when payments would begin. XX/XX/XXXX is when we got the new documents with payment and new loan terms. We called in to make our first payment per promissory note and found out that our loan has been sold back to Loan Care. Took about a day calling back and forth between the mortgage companies because neither one of them said we was with them each time we called they would inform us our loans were with each other. Finally Loan Care, provide us with a new account number and to give that number when we called. Loan Care informed us that it would take 60 days for our account to update and reflect new information form XXXX XXXX XXXX and not worry as we are protected under law for when your account gets sold. 60 days came and went, however my husband ( XXXX XXXX ) and myself had been calling each month on the top of each new month for updates with our account. In XXXX we received a new Loan Modification Packet from Loan Care. We were immediately confused as we just went through a loan modification and got approval documents. We then called into loan care and they said they have no records form XXXX XXXX of a loan modification and to fax them our proof. Well on XX/XX/XXXX I spent {$45.00} dollars faxing in copies requested. They said it would take 24 hours to show up in their system! Well 24 hours went by and they said they never got the fax, even though we had conformation that. the fax was received!. We then sent documents via email, and they finally had the copies. Loan Care then told us give them a few days to go over the information. its now the end of XXXX and new month is approaching we have not heard back form Loan care, I call in and ask for leadership and got transferred to a Supervisor by the name of XXXX ( employee number XXXX ) he then said he would escalate the matter to loss mitigation management and they would give us a call in 24 hrs. The new month is here ( XXXX ) and we hear nothing back so we call in again. This time we get a new supervisor by the name of XXXX XXXX employee number XXXX ) as a supervisor in Loss mitigation department. XXXX, she confirms the New loan modification documents has been received and went through each document and confirmed with me over the phone the payment amount and new terms of the loan modification. She said they are still under reviewe with the department, and asked if we had our payments. We said yes, she then tells us to make our back payment per the new loan modification terms. XXXX tells us that the reason the ticket is still sitting open is because we have not followed the promissory note on making payments and that if we sent the payment then they can see that we followed the new terms and our account will then get update to reflect. We sent in the full payment for {$8600.00} via bank transfer wire. They payment was for the months of XXXX, XXXX, XXXX and XXXX. XXXX as said they she would open a ticket to fix the bad reporting to the credit bureau to reflect current. XXXX is the only one that has helped us and it seem very promising, as we got a letter in the mail form Loan Care that they are working on fixing the error of reporting negative when were protected under the Care Act and two we were current during that so it should report as such. XXXX said give it a couple of weeks or so for underwriting to update the account to reflect the new terms and to continue to make our payments on time each month until it updates in the system. We are current on our payments. XXXX forward to XXXX, and the account is to reflecting negative and nothing has changed on our account. It still showing we are 40 payments be-hide with the old loan terms. We are beyond frustrated at this point with Loan Care and how long it's taking them to honor the new loan modification. This has been going on for months! Please note that he New Modification was also recored with our County Clerk back in XX/XX/XXXX!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92545
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-10
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I previously opened a complaint about a second mortgage Loan I received from hud in the amount of XXXX. I called loancare to get the break down of how much I was behind and the rep stated around XXXX including late fees. I then asked for a break down of where the remainder of the money went and if they could send me a break down of the remaining money in writing since I am have to pay off XXXX to hud. On XXXX loancare sent me only a copy of my agreement not a break down of how the money was added or not added to my account. I need clarification because I did not owe XXXX dollars and not understanding why they received so much. My mortgage balance as of now is XXXX and I purchased my home for XXXX and have been here for six years. Where is the money?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02909
Submitted Via: Web
Date Sent: 2022-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I purchased my home in XX/XX/2022, In XXXX I had to make an emergency repair to my house ( which i do reside in ). This caused me to fall behind. I submitted a work out package to LoanCare with documentation in XXXX to request a modification to add 3 payments to the end of the mortgage, and bring me current. I have been on the phone with Loan representatives at least 50 times, the first 20 or so I was told I was missing documents which I continuously submitted through their website. For the month of XXXX I was told all of my documents had been received and it was being submitted to the next level. A few weeks later the rep and a supervisor told me that my case was closed for missing documents but that it should not have been so they were escalating and manually re-opening the case because it shouldn't have been closed. I was told to wait 30 days for the review. I was un-trusting of what they told me and this being a week later I called today to check the status. I am now being told the case was closed, and NEVER re-opened. I want to keep my house. I want to be current and make good on my promise to pay, however I am being told that it is under review/ not under review/ not to make a payment and I am afraid of moving into foreclosure. This is my first purchased home, I live here with my XXXX children. I am a single mom working two jobs, i just wants a proper review and a little assistance. I don't know where else to turn. I am not due for XXXX, XXXX, XXXX, XXXX
Company Response:
State: NY
Zip: 14043
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: We sold our house on XX/XX/2022. On XX/XX/2022 I received a call from LoanCare ( XXXX XXXX stating that the payoff for our house provided to XXXX XXXX XXXX in XXXX Texas was inaccurate. On XX/XX/2022 I received an email with a payoff for our mortgage that I had not requested. I contacted XXXX XXXX and spoke with XXXX XXXX who informed me that XXXX XXXX had made the request to receive the payoff via fax. She asked me to forward the payoff to her email- which I did. The payoff given on XX/XX/2022 ( which was good through XX/XX/XXXX ) by LoanCare listed a principal balance of {$160000.00} and an additional balance of {$8200.00} which was the down payment assistance we received through the FHA loan program. The call on XX/XX/2022 with XXXX from LoanCare stated that the payoff did not include the interest which was to be an estimated {$5600.00}. XXXX informed me that LoanCare could not accept the wire transfer from XXXX XXXX due to the payoff discrepancy. I contacted XXXX XXXX and spoke with XXXX XXXX. She spoke with her compliance department and called me stating that she had been directed to pay the original payoff given plus the additional {$5600.00}. She let me know that once this is done XXXX XXXX would send a judgment letter to myself and my husband to reimburse XXXX XXXX the {$5600.00}. When we spoke to LoanCare the week of XX/XX/2022 an employee confirmed that the payoff sent to us on XX/XX/XXXX was incorrect and the payoff XXXX provided which was good through XX/XX/XXXX was in fact the correct payoff statement. We were directed to the escalation department. They created a case number and told us this would be researched and we could reach out to them for updates on the case. We explained to them that since this payoff was generated by LoanCare they should accept responsibility for the inaccurate calculation and accept the payment from XXXX XXXX as satisfactory to pay off the mortgage. XXXX at XXXX XXXX told me that since the payoff was sent to my email I would be responsible. I reasoned with her that I did not request nor initiate sending the payoff to XXXX XXXX. LoanCare sent it to me by fault and XXXX at XXXX XXXX asked me to send it to her- not knowing that she should have made another request to LoanCare to receive it directly. Since the transcation has already taken place - the house has been sold and recorded with the state of Texas for XXXX weeks now, LoanCare should accept the payoff of the loan and the loss of interest and complete their portion of the transaction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85143
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My lender notified me to upload my insurance policy. I followed the steps provided to upload the documents however my account could not be found on their insurance portal ( separate from the mortgage portal ). I tried calling the lender multiple times however was unable to get through to a person for assistance. On XX/XX/XXXX, the lender purchased insurance for {$600.00} with my escrow account despite my property already having insurance. I tried uploading the insurance policy again and was successful in accessing my account on the insurance portal. It has been 1 week now and I have not received a response. I have tried calling and even sent a message on their website but have been unable to speak with a human.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Request for loan forgiveness. Please see Release of Mortgage/Note attached. After much request also please see the attached recorded mortgage received from XXXX XX/XX/XXXX. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60660
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-04
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: FRAUD COMMITTED DURING MORTGAGE PURCHASE TRANSACTION On XX/XX/XXXX, I closed on a house purchased for {$290000.00} from XXXX XXXX XXXX XXXX XXXX, owned by XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. At that time, XXXX XXXX signed a seller 's affidavit stating that he knew of nothing attached to the property. He also failed to disclose that his real estate agent was also his wife, who had a vested interest in the property. Over a year later, on XX/XX/XXXX, it was discovered that there were liens placed on the property by the city of XXXX, XXXX XXXX XXXX. Upon further investigation, it was discovered that XXXX XXXX, XXXX XXXX XXXX, and the title company, XXXX XXXX, were ALL aware of the open municipal code case attached to this property. I have reached out to all of them on multiple occasions. Other than one response from XXXX XXXX stating that he paid the liens, I have not received any communication or resolution on this issue. Upon further investigation and involvement from my realtor and her broker ( who reached out to them multiple times as well ), I was told that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX submitting a lien review request to the city on XX/XX/XXXX. As of XX/XX/XXXX, the XXXX XXXX XXXX XXXX informed me that there was no lien review request submitted. They have also assured me, as has the office of XXXX XXXX XXXX, and through multiple phone consultations with local real estate attorneys, that this information is required to be disclosed by the seller and/or their agent prior to the closing of a property purchase. None of these parties disclosed this information even though they were all aware of it. As a result, I have been denied a home equity loan, a mortgage refinance loan, am not able to complete improvements on my property, and am also not able to sell the property due to these liens. I have documentation from the closing of the property, documents from open records provided by the city, and documents emailed from the title company to show proof of this. Not only is this illegal, but it is also unethical of all parties involved. I intend to report each of them to their corresponding licensing boards and other entities as appropriate. I have listed the address information for all parties involved. XXXX XXXX, Seller XXXX XXXX XXXX, XXXX XXXX Pay Cash XXXX Houses Owner/Business Development, XXXX Homes XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sellers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Homes XXXX XXXX XXXX XXXX XXXX XXXX Authorized Member XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Houses XXXX XXXX XXXX Seller XXXX XXXX XXXX XXXX XXXX Pay Cash XXXX Houses XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2022-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: -- We were in a forbearance which was to end in XX/XX/XXXX. We submitted an application to XXXX XXXX in XX/XX/XXXX for assistance with a lump sum payment once forbearance ended. On XX/XX/XXXX, we learned Loancare was to become our new loan service provider XXXX decided to request a new packet to be completed by Loancare to satisfy the requirement for the documentation by the federal government so they could disburse the funds. At the beginning of XXXX, XXXX began to reach out to Loancare to request that they complete the packet for the loan service portion. This was required for the XXXX RELIEF PROGRAMS that all payees must have completed a form W-9 before releasing funds. In the middle of XXXX, I received a phone call from XXXX to let me know they were facing difficulty making contact with anyone so they could complete the packet for the servicer. XXXX called to discuss mortgage transfer, forbearance, and options. I informed her that I had previously been approved for a lump sum funding payment plan through XXXX, and XXXX XXXXXXXX XXXX had already approved this. This packet needed to get completed right away so that we wouldn't lose funding since they could only pay back payments for up to six months. We would have only been delinquent at that time for 5 months. I made a phone call to XXXX and to Loancare regarding a certified letter from Loancare threatening to place the house in foreclosure and report to credit bureaus. Also, they stated they did not receive any paperwork from XXXX XXXX XXXX regarding repayment plan or existing forbearance or the fact that we had just completed our Modification in XXXX XXXX then completed the deferral application prior to the husband 's job loss then the forbearance application that began in XXXX. Loancare was unaware of the facts of our mortgage and it was lost during the transfer. Wouldn't this have an affect on the amounts that Loancare would be using to come up with their figures pertaining to our account??? On XX/XX/XXXX I sent the packet via email to XXXX through the Loss and Mitigation Department. She was to send it back to me, and I would forward the packet to XXXX and I explained that XXXX said that the process for the payment disbursement would still take a couple of weeks to receive the funds for our past due mortgage. I also asked if we needed to extend the forbearance so we would be protected while the payment was processing. She didn't mention anything about the certified letter being anything that I needed to be concerned about. Almost acting like it was a formality for everyone in forbearance. I had also spoke with the VA and told her they suggested to get a Partial Claim to cover any amounts that XXXX might not be able to. So XXXX in Loss Mitigation at Loancare finalized our payback plan. XXXX called me beginning of February to let me know that she went ahead and emailed packet over to XXXX but the W-9 form was not completed due to having to request the document from another department. XXXX requested our latest mortgage statement and I sent over the XXXX XXXX statement in the amount of {$19000.00} for total arrears that were due. I also noticed a fee that was charged for {$25.00} for Inspection fee Assessed which I had no clue what this was for. -- I was starting to get a little concerned that nothing had been done about the W-9 . I began making calls and sending emails Highlighted in YELLOW MARKED URGENT for the months of XXXX XXXX XXXX and stressing the fact of losing funding, every couple of days regarding the W-9. At this point we were waiting for the requested W-9 for almost 4 months and FINALLY RECEIVED IT on XX/XX/XXXX. XXXX*ISN '' T THIS PART OF RESPA and a violation thereof? I also received a notice stating that the validation period had passed in XXXX and I would hope that isn't just for us but for all involved, yet they couldn't provide a half page document timely. -- I received an email that the Notice of Approval will be sent to Loancare with payment schedule details per XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Notice of Approval and SCHEDULE OF FUNDING for {$19000.00} plus XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX in the amounts of {$2100.00} would be sent for future payments and we would start picking up the payments in XXXX. XX/XX/XXXX A Letter was sent to Loancare confirming the disbursement of funding. I called and also sent an email to notify and update XXXX. XXXX received the copies of the checks and dates that they were deposited and cashed by Loancare. 1st check in the amount of {$13000.00} also the first future payment separate check for XXXX Mortgage payment for {$2100.00} XX/XX/XXXX forwarded via email the copy of checks both dated XX/XX/XXXX -- XX/XX/XXXX We received a letter of Notice of Right to Cure Default. I sent an email explaining that I was astonished at the lack of attention that was paid to our mortgage and expressed my anger and frustration and asked for them to correct their error. I never received a reply. XX/XX/XXXX I completed and submitted a VA Partial Claim request and sent the requested documents. XX/XX/XXXX I received an email stating that I had an incomplete application and notified me of the needed documents. If they do not receive a complete packet by XX/XX/XXXX they will not review it past that date. XX/XX/XXXX. I sent an email that contained EVERY REQUESTED DOCUMENT ON the notification for the " incomplete application ''. EVERY SINGLE DOCUMENT WAS ATTACHED AND SENT. XXXX CONFIRMED RECEIPT. XX/XX/XXXX I received an email stating that 5 ITEMS were not sent and the application was considered incomplete. I immediately sent another email requesting an immediate phone call and to find out why they were asking me for documents I had sent two weeks ago. I made a phone call and XXXX said the loan was going to foreclosure and that she never sent any of my applications to Underwriting and could not give me a reason why any of this was happening. ALSO she transferred me to XXXX who was the Team leader for the customer. He PROMISED ME HE WOULD INVESTIGATE AND CALL ME BACK IN 2-3 days. HE NEVER DID. I CALLED HIM AGAIN and he hadn't even looked into this almost 2 weeks later and he said he could not see that we were in a modification current from XXXX XXXX XXXX. I told him all it was to happen was a reinstatement after our lump sum payment. He said he could not locate that there was a payment at all made anywhere on the loan from anyone. XX/XX/XXXX. I sent a Notice of Error Date : XX/XX/XXXX To : LoanCare XXXX XXXX XXXX Virginia XXXX, Virginia XXXX From : XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : Error Resolution Notice under XXXX C.F.R. XXXX Mortgage Loan Number : XXXX I am writing to request the correction of the error described below regarding the mortgage on my property at XXXX XXXX, XXXX, XXXX XXXX At the beginning of XX/XX/XXXX. Our loan was transferred from XXXX XXXXXXXX XXXX to Loancare to become our new mortgage servicing company. Before XXXX XXXX XXXX was purchased by Loancare, my husband and I were working with a nonprofit organization, XXXX. In XXXX of XXXX, we began planning for the missed payments that would become due once the forbearance expired. My husband was returning to work from two involuntary layoffs due to XXXX. It would have been hard to come up with the money without assistance. I began working on our application with XXXX. The non-profit had proposed that they could pay up to six months in past due mortgage payments and up to three months of future payments once we were approved. They also stressed that our application needed to be processed quickly because their policy would only allow paying back six months, and anything more would not be covered. We were in a good position because we only needed to pay four past due payments as of XX/XX/XXXX. I was working with XXXX XXXX XXXX to obtain the required documents that I would need to process the approved application so XXXX could release the funds. Per the federal guidelines, for the funds to be released under the assistance for XXXX RELIEF, a Form W-9 would be required to show the company that receives the funds was in good standing. I requested the form in XXXX received the W-9 from XXXX XXXX , and submitted it to XXXX shortly after. I was NOT INFORMED during my continuous communications that our mortgagee was going to be transferred back to Loancare, our prior servicer, on XX/XX/XXXX. Due to the holidays, XXXX could not get the application processed before the buyout and transfer of our mortgage. On XX/XX/XXXX, XXXX made their first request for all forms, including the W-9 , which needed to be filled out with the new servicer Loancare to approve the application. XXXX had already finalized the payment amount in line with our arrearages and were prepared to release the funds via paper check as soon as the new documents were attached to our file. By the end of XXXX, XXXX contacted me and asked if I would get in touch with Loancare and request the records because they had failed several attempts. I sent my first email to XXXX in Loss and Mitigation on XX/XX/XXXX. XXXX provided all the papers but told me she had to put in a request for the W-9 due to it being in a different department. I began making daily phone calls and leaving specific proposals and recommendations, ensuring all were being recorded. Hold times were exceeding 1-2 hours each time I called. My frustration was at its peak. I also began sending emails around 7-10 estimating and finally received a W-9, two of them. They were the two W-9s that were filled out by my husband and me during the signing of the original mortgage and werent what we needed. So, I called again, and I was so angry, and now we are nearing the end of XXXX After my phone calls and emails and three days later, I received the W-9 and rushed it to XXXX. Because Loancare had taken over four months to get the W-9 to XXXX, we lost four months of funding to pay all the arrearages. Per the letter we received from Loancare dated XX/XX/XXXX NOTICE Loancare stated that the amount was {$17000.00}. XXXX released a check for {$13000.00}. The difference of {$4000.00}, which is two months of mortgage payments that due to the delay of getting the W-9 to XXXX in the time that was allowed, we lost {$4000.00} in funding. This is unacceptable. I sent over fifteen PROPERLY REQUESTED emails and phone calls to receive a one-page document that was URGENTLY needed and stated on EVERYaREQUEST SENT! It took Loancare four months to fulfill the request. At the beginning ofaXXXX, I received a NOTICE OF DEFAULT claiming that we now owe XXXX, the difference of {$7400.00}, from the Notice of right to cure the default and sixty days after the {$13000.00} payment had been cashed and applied to the balance. There is a problem with the numbers! Three checks were being sent from XXXX for the mortgage payments from XXXX, XXXX, and XXXX. Then we were to pick up and resume future payments beginning in XXXX. The XXXX and XXXX payments were both cashed and should be applied to our mortgage. Still, I reaeived a phone call from XXXX on XX/XX/XXXX, stating that Loancare had sent our XXXX payment of {$2100.00} back to XXXX and said the loan was in default and they could not accept this payment because the balance had to be paid in full. ARE YOU KIDDING ME? Do you have any idea how angry this makes us? I immediately called and spoke to XXXX in Loss and XXXX, and she directed me to XXXX, the Team Leader of Resolutions. I was supposed to hear back from XXXX by XX/XX/XXXX, and I did not hear back from Loancare. I am requesting that this be investigated thoroughly. This is the NOTICE OF ERRORS formerly being sent. Payment Errors : Your company rejected XXXX ' entire payment for XX/XX/XXXX for {$2100.00}. This was the final payment from XXXX, and we were to resume payments in XX/XX/XXXX. Your company did not appropriately credit the payments XXXX made on XX/XX/XXXX, in the amount of {$13000.00}, XXXX payment of {$2100.00}, and XXXX Payment of {$2100.00}. Funding was lost for any chance to receive the funds that were sent back to XXXX from Loancare. XXXX have closed our region for all future applications, which puts our loss of funding on an approved application over {$9500.00} due to the lack of diligence from Loancare and the mishandling of our mortgage. These funds from XXXX should have had our arrearages paid, and we were to be caught up with nothing past due on XX/XX/XXXX ; your company failed to perform the request of the W-9 in time for us not to lose funds that were stated on each request and also failed to apply correctly and credit the payments XXXX made in XXXX XXXX and XXXX as of XX/XX/XXXX. I believe I am entitled to a refund of excess funds in my escrow account, and I have not received them because of misappropriated funds. Fee Errors : Your company incorrectly imposed fees on our account and was not allowed due to the Cares ACT and the global pandemic. Payoff Errors : Your company failed to provide the accurate mortgage payoff balance I requested in XX/XX/XXXX. I do not have much hope that this will be corrected properly without having an attorney involved representing us. I have stated in numerous conversations that we WILL NOT be subjected to entering another modification that will cause our mortgage rate to increase at any level. We were also eligible for the VA partial claim, which is what the VA Mortgage Representative stated in a group conversation that included Loancare, that should be done in the handling of the forbearance. Still, these amounts should not include any funds we lost due to the errors of Loancare. We shouldnt have to pay for the errors of our mortgage company. The hours I spent trying to get all of this worked out were useless after the mishandling by Loancare. I will be copying this to CFPB and with a lawyer during our consultation. If you need to contact me, I can be reached at ( XXXX ) XXXX or by email at XXXX. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX As of today, they have sent the notice of default. They HAVE NOT WORKED WITH ME TO SAVE MY HOME. In fact they are obviously working against me. They answered my XXXX but either the answers were part factual but missing main and vital information or just completely wrong information. I can not believe that XXXX isnt trying to stop this from happening. She knows that I have worked everyday to get the funding to keep us from losing our home. I can not understand how they sent a payment that I am holding in my possession for the XXXX Payment and the XXXX check that Loancare cashed isnt even posted on our loan. Every time they sent me a new letter it had a totally different amount that we owed that does not add up from the previous letters. They did not correct the errors and I know they violated THE RESPA> Please help me and stop this company from taking my home. I did everything that was required to have this home out of arrears and I don't understand the mess that has been made of this. How can this happen? We are currently being reviewed for the XXXX XXXX XXXX XXXX to help us now that they have stopped allowing us to pay any money towards our loan. We are waiting for the program to contact Loancare, but I will not be apart of the communications between the program and Loancare and I am scared that they will deny the funds from the program. I can not trust Loancare to do the right thing and I am afraid they are trying to intentionally steel our home from us. They have done NOTHING to show good faith efforts. They have done the opposite. Please HELP! I also have an email from the Data Manager at XXXX that was asking me to get the W-9 and he said he had another client that he had been trying to get the W-9 from Loancare from them for over 3 months and they were not going to be able to give that homeowner assistance because of the same issue. I want to know how many others are facing exactly what we are because of this transfer between servicers. Why would they do this in the middle of a pandemic? Knowing they could mess up loans and people could be victims of this? We can not let this happen in America. This is crooked and must be straightened out!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77356
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have tried to resolve the property tax exemption with this company for months. Submitted letter from county on XX/XX/XXXX stating Im exempt from property tax Submitted corrected tax bill that reflected the months I closed on the property XXXX XXXX. The bill reflected the last two months being tax exempt for the tax bill in XXXX ( for XXXX taxes ) XX/XX/XXXX - I had the county assessor ( XXXX XXXX ) on the phone with XXXX ( escalation team ) and he couldnt be any more clear that I was exempt from property taxes. Please review the recording. I was told I would have resolution in 3-5 days. I followed up on XX/XX/XXXX and they said this was sent to their executive team for review. I called on XX/XX/XXXX and they said it was still with the executive team. I called this morning and loan care said the executive team doesnt review this. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60532
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account LOANCARE LLC XXXX with a Balance : {$0.00} was incurred due to fraudulent charges, which according to XXXX XXXX Zero Liability policy I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. This account is trying to collect debt, which wad also listed on my credit report. I have requested several times for verification. This company will not furnish a signed authorization [ or proof of the procedures ], they just furnish a statement, which proves nothing. I asked to validate the numerous listings on my credit file and again all I receive is statements.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A