Date Received: 2022-08-29
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: TX
Zip: 75040
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79416
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I. After my Forbearance Plan ended XX/XX/ 2022, LoanCare sent a letter dated : XX/XX/2022 denies all other mitigation assistance options ( with appealable reasons ) except for XXXX XXXX Flex Modification, offer to be received in 15 days. I have never received this Flex Modification offer as of XX/XX/ 2022 ( see attached ) II. Never granted communication access to XXXX ( aka XXXX XXXX XXXX ) on multiple attempts for multiple XXXX As per my Homeowners Bill of Rights a XXXX is a single point of contact which will explain resolution options, report consistent loan status and notify consumer of any required action for completion of modification assistance application and deadlines regarding that action. III. Never received a Notice of Default or Foreclosure but received letter Dated XX/XX/2022 ( received XXXX XXXX, 2022 ) stating that there 37 calendar days or or less before a scheduled foreclosure sale. In addition this letter states that an application for Loss Mitigation Assistance is incomplete, after I have already been evaluated for options and qualified for a XXXX XXXX Flex Modification Dated XX/XX/2022 ( item # I ). ( XXXX XXXX, 2022 see attached ). IV. Since entering Forbearance I have been discriminated against by not being provided access to entitled services e.g. Online/Web tools to be able to manage my loan. The restricted services included payment, accessing payment history, exchanging documentation, etc. I became a Foreclosure target as soon as I entered Forbearance.
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: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I currently having issues with my mortgage company, LoanCare and HAF ( Homeowners Assistance Funds ) payments. I was sent confirmation on XX/XX/2022 that I was approved and payments of {$640.00} for the next 18 months would be sent directly to my mortgage service provider but as of today, XX/XX/2022 my mortgage loan is still currently late/past due, {$1200.00} and no payments have been made/accepted. Furthermore, due to this issue my credit score is being negatively affected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34787
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XXXX of 2022, Loancare through their lawyers filed a MFRS ( Motion For Relief of Stay ) against my bankruptcy claiming I was over {$5000.00} in arrears. Through countless emails, time and work with the help of my bankruptcy lawyer we explained to them I was not behind and that the motion should be dismissed. While we were going back and forth LOANCARE sent a latter through their lawyers that I had an escrow overage in the amount of {$1200.00} and change that were going to keep because I was behind in payments. On XX/XX/XXXX LOANCARE through their lawyers files a motion to dismiss the MFRS because we proved to them that I was not behind on my payments. I have asked LOANCARE 's lawyers to have their client return my escrow overage to me since it is my money and I was not behind in payments. I still haven't received my overage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21113
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: MY LOANCARE MORTGAGE ACCOUNT WAS NEVER LATE OR HAD ANY MISSED PAYMENTS. IT WAS UNDER DEFERMENT AND FORBEARANCE PROTECTION AND A SUBSEQUENT LOAN MODIFICATION DURING XXXX XXXX PANDEMIC, AFTER WHICH REGULAR PAYMENTS WERE RESUMED AS SCHEDULED. IT SHOULD NOT HAVE BEEN REPORTED IN A DEROGATORY MANNER ON MY CREDIT REPORT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90024
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am a XXXX XXXXXXXX out of XXXX XXXXXXXX. My clients job has been done for several months, has passed local building department and also the third party inspection required to release final funds from LoanCare. They will not release the funds. It is a constant resending docs to them I already sent, everyone comes up with a different reason why. Why are they holding our money. We are trying to be very nice and patient but its been months. Today we call. Again its another doc this time I se I already sent it to them XX/XX/XXXX. So cant use that anymore. I ask for a supervisor. They send me to a Resolution Department. There its the same story. I ask for a department manager. She puts me on hold for 20 mins! Never came back to say Sorry just a bit longer. No. I wasnt given that respect. She comes on and says she was in unable to get a supervisor. I ask her name sue says XXXX XXXX. I ask for her managers name. She doesnt answer me. Starts typing quicklysilence. Im like hello. Shes mumbling ohh I dont know I have to see who will call you. Theres several. Im trying to see if I can even do that. So she claims someone will call. Theyve done this before. No one calls. This was today XX/XX/XXXX XXXX XXXX XXXX time. The complaints about LoanCare online are real. We work with mortgage companies all the time. I have never seen a company act so ridiculous rude and make up reasons why not to give out funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80920
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ar purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 294XX
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I approved for the HAF program and they tell that on XX/XX/XXXX Loancare received a check from them to cover my past due amount. As of XX/XX/XXXX they still have not applied this to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34787
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
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: HiMy mortgage company took advantage of me. Im aware that The CFPB is closely monitoring servicer conduct to ensure that they are complying with all applicable federal consumer financial laws and assisting consumers with resolving delinquencies and preventing avoidable foreclosures. As part of this monitoring, Im aware that the CFPB will continue its heightened review of mortgage servicing complaints, including in particular complaints about challenges working with servicers to use HAF funds. I have been impacted by COVID-19. On XX/XX/XXXX, I contacted my mortgage Servicer to let them know that I did not have the money to pay for my XXXX XXXX, XXXX mortgage bill, I have been impacted by COVID-19, and I asked what my options were at a time when I was still current on my payments. I told them I was aware of the HAF funds program opening in VA on XXXX XXXX, XXXX, and that I would apply that very day, but that theyre estimating 60-days before any payments covering my mortgage would be made. I specifically asked what contact information I should provide to Virginias HAF program, but I also asked what other COVID-relief remedies are available to me right now in the 60-day+ interim while I wait for my application to be processed. They told me there were no other remedies available. I called them every week in XXXX asking if any other remedies existed, I believe 6 times in total. I called them several times in XXXX asking the same question. I called them several times in XXXX. It wasnt until they told me in XXXX that my condo would be foreclosed upon in 10 days time that they told me I had another remedy available, to defer my payment through forbearance, a remedy I was told that had I employed back on XX/XX/XXXX on the date of my first call with them, I would not have had any delinquencies reported whatsoever. My mortgage company did not act in good faith towards me. I specifically asked them what COVID-relied remedies were available. I asked them a good dozen times and it wasnt until they told me Id be kicked out onto the streets in 10 days time ( even though they knew I was approved for HAF on XXXX XXXX, XXXX, and merely waiting for the payment to be sent to themand VAs HAF program was already in communication with them ), that they told me I had another remedy I could use to avoid foreclosure. They took advantage of me. They lied to me. They did not act in good faith to me. Conversely, I was overly diligent in my efforts to maintain good credit. I contacted them over a dozen times. I should not have to pay for their greedy, foul play lies that has negatively impacted my credit approx XX/XX/XXXX and XX/XX/XXXX with delinquent notices posted to my credit. Id like you to correct their foul play, their unfairness, what I would call gross negligence, on their part. What they did to me is not okay whatsoever.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22207
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A