Date Received: 2022-01-14
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: There is not a problem with the company or my account. What issue is that this is my mortgage company that I make payments towards my home. I purchase this from the homeowner who carry the loan. Now, I only owe {$6000.00} of the 10 year loan with NO LATE payments for 9 years. None of this information is shared with the credit agency. This only XXXX of the problem. I, XXXX XXXX XXXX, is born deaf and asking me to communicate by phone is something that is very unlikely. I get no discount or reduce fee for the landline that I have to use to operate my cap-tel machine, which I use to talk on the phone. The odds of the other person on the other end being able to understand how to talk to me is 50 %. OK, last thing I want to express is I am falling downward and with no bottom there is because it all started with my XXXX provider in XXXX. I had to have CATARACT XXXX. So XXXX XXXX XXXX need {$1700.00} to start and {$300.00} each time at hospital. XXXX so {$600.00} more. {$2300.00}! All this was dug up with personal loans. Now, its every month get a loan. IT '' S GOING TO KILL ME. thank you for listening and hopefully someone will care about this deaf man ....
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 86442
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The company Loancare is a terrible company. Their website does not work to login and review, pay our account. The statements are confusing. It is close to impossible to contact them for help and assistance. We are so sad that we are with this company and we are stuck with them for now and it's so frustrating. They have added an escrow account to our payment without notice or consent after paying our property taxes even though we had paid our taxes on our own which we have done for years. We looked up thousands of reviews about this company XXXX and were horrified to learn that so many people are in the same boat and are thoroughly frustrated. We have been trying to contact them for months are always the same thing - a recording to leave a message. Of course we never get a call back, no letters or correspondence, ... nothing. We don't know what else to do but hire an attorney. The worst part is we checked our credit and they have been reporting us 30 day late for XXXX payments in 2021 even though we are on autopay without a hitch. Hundreds of people reported the same on XXXX. We felt to communicate to others who may be with Loancare is the best thing we can do to help and perhaps this agency can investigate their business practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91011
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am reaching out to you today because I am having issues with my loan that have gone on for five months. My loan modification was completed and my payments were to resume on XX/XX/XXXX. I made my first payment for XXXX on the XXXX, it was six days late because your online system was down, and my 2nd payment on XX/XX/XXXX. Around mid XXXX I was informed that my loan was 60 days past due. When I called to clear up the issue, it was discovered that my payments had been allocated to XXXX. I was told that this issue would be fixed and my payments would resume. As of today, XX/XX/XXXX, this has not been fixed. I have been unable to make payments because my account does not reflect the proper amounts due or dates. I have called Loan Care around 15 times and have received at least 10 calls from loan care. The end result of all calls is that I am instructed to wait until the problem is corrected and then resume the payments, but the problem is never corrected. I have requested that the harassment regarding my payments stop, since the only thing preventing me from making payments on time are mistakes on your end. But the opposite has occurred. I have gotten collection calls and notifications by mail that I am delinquent. When I called to express my concerns, I was told, on a recorded line by a Loan Care employee, that these letters and phone calls were intended to be threatening. And as I understand it, this is inappropriate behavior at best. I am currently unable to make my payments because Loan Care has still not resolved issues with my loan, yet they continue to call and harass me for payments as though I am deliquent. They have pressed me to make payments over the phone on several occasions, even though the account does not reflect the proper payments, dates and totals.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have VA XXXX for my homestead in XXXX XXXX Florida. MY VA loan is being serviced through LOANCARE. I was declared 100 % P & T on XX/XX/XXXX. I applied for and was granted a 100 % property tax exemption indefinitely beginning for tax year XXXX by the XXXX XXXX, FL XXXX XXXX XXXX XXXX. I sent LOANCARE my P & T letter and a letter from the property appraiser 's showing I am exempt from paying property taxes for XXXX but for {$250.00} per year garbage fee. LOANCARE is refusing to accordingly reduce my escrow for XXXX and is still charging me a higher payment as if I will half to be responsible for my property taxes for XXXX. My property taxes at {$18000.00} a year so LOANCARE is unlawfully charging me an extra {$1500.00} a month! I told them I refuse to pay a higher escrow for property taxes that they know I do not and will not owe for XXXX. They said if I do not pay the extra {$1500.00} a month, they will foreclose on me and take my home. I can not afford to pay {$1500.00} a month for an entire year for no lawful reason. Please help me. This is wrong.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I bought a home in XX/XX/2021 using Loan Care LLC in Virginia. In XX/XX/2021 I asked the mortgage company if I could do split payments for my mortgage. They said they could do it and one of my payments were split up from one week to the next. The next month they called me and said that I was missing a payment, I told them that someone from their company told me I could do split payments or biweekly. They said that was not possible and they could not do it. I said OK and authorized to have full payment processed from my account in the amount of {$490.00} every month, the woman I spoke with on the phone from the mortgage company gave me a confirmation number. Today they called me this morning around XXXX XXXX and stated I was behind two payments on my mortgage, I told him I did not understand and that in XXXX I was told I was already set up for automatic payments ( which you can do over the phone ) they told me they did not see in there system anything was authorized for that. The woman I spoke on the phone with first stated my last payment that was supposed to be processed in XXXX was canceled as soon as I got off the phone after I had already authorized it. I asked what was the reason for that and she said the woman who spoke with me Might have pressed the wrong button or something. I immediately asked to speak to a supervisor. I explain to the supervisor what was going on and she stated she would waive the late fee which is only {$16.00}. I now owe {$980.00} to Loan care. I also provided the supervisor with a confirmation number I was given by the person I last spoke to she stated that number did not exist in their system. I asked the supervisor why the woman I spoke with last time would give me that confirmation number if it didnt exist she stated she did not know and they would look into it. This would be the third time they have forgotten to process my payments correctly This is also taking a hit to my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48180
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Mortgage Company is asking for more money in advance for escrow over the amount they are already paying to taxes and insurance and trying to increase my monthly payment with out any reason. Try to solve issue but company do not respond see some E mails : I received a letter requesting {$560.00} more to my escrow account according to a " analysis '' from your company or my monthly loan payments will be increase to {$1800.00}. Like to lets you know that this " analysis '' from your company is totally wrong. The reason is ; my actual escrow until my XXXX statement payment is {$690.00} plus 11 months from XXXX to XXXX will be XXXX x XXXX monthly escrow = {$4400.00} Payments from my escrow account are : Taxes {$3300.00} and home insurance {$1000.00} ( by the way your company overpaid this because the insurance is only {$1000.00} ) As you can see {$4400.00} - {$3300.00} - {$1000.00} = + {$99.00}. XXXX POSITIVE REMAINING ON MY SCROW ACCOUNT. WHY ARE YOU ASKING FOR {$560.00} MORE OR AN INCREASE ON MY MONTHLY LOAN IF I DO NOT SENT THIS AMMOUNT TO YOUR COMPANY? I send multiple E mails requesting a correct " ANALYSIS '' in my escrow account but do not received an answer yet. It is not reason and it is not legal, to send you money from my pocked to you, just for your company to hold this with out any reason. Good Morning, XXXX XXXX, I still waiting for somebody to call me in relation to the wrong Escrow Analysis to fix this mistake. You told me on XX/XX/XXXX that somebody will call me into the next 48 hours. Please let me know if you have a contact phone number with extension to fix this issue in my loan ASAP. Loan # XXXX COMPANY NAME : LOAN CARE www.loancareservicing.com Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX CUSTOMER : XXXX XXXX XXXX Loan # XXXX XXXX XXXX XXXX. XXXX, FL. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33837
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I needed to take advantage of the entire covid forbearance due to the slow in business due to the virus ( I'm a small XXXX XXXX ). Covid for us, did cause Changed Circumstance. I did a verbal consent over the phone. I did know that there would be repayment options. However, I did not know that all options for repayment would cause an adverse action against me. Once the forbearance ended, I was told that I could put a lien on my home and pick up payments where they left off. I was also offered to put the forbearance amount owed on the backend of the loan if I entered a new loan contract. The third option was for me to pay the full {$20000.00} upfront. I denied all of the options and requested a regular payment plan that would not require me to put a lien on my home, create a new mortgage contract or force payment in full at once. I spoke to several representatives and one manager. The very 1st rep told me that she would send out a payment plan and request the repayment plan guidelines be sent as well per my request. The next week, I called to check to see if it had been sent but was now being told that I now have to apply for a normal repayment plan. I was vehemently against having to apply to repay my own mortgage. I argued that it would be incomprehensible to request that someone who had just needed to use a full forbearance relief to be forced to apply to repay. It should be evident that there are financial difficulties. Ultimately, it took about a month to receive the application. By the time that I received the application, I was about ready to submit my written RESPA request. Instead of applying to repay, I just submitted my request. They received the request via registered mail on XX/XX/XXXX. On XX/XX/XXXX, they reported my entire loan amount to all credit reporting agencies, not just the {$20000.00} that was in question along with other requests. They never confirmed receipt of the QWR as required. I only know it was delivered because I sent it registered mail. They are not supposed to report anything during the QWR process. I am being retaliated against for utilizing my rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70056
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I'm doing my best to avoid litigation with this company, but they are making it impossible. This is my final attempt at an amicable resolution to this problem before I proceed with a lawsuit. I've contacted LoanCare over THREE dozen times, by telephone and email, regarding FHA Loan # XXXX. I have not received any response or return calls/messages as of the date of this complaint. On 9/15/21, as my approved Covid-19 forbearance plan was ending, I contacted LoanCare to discuss options to bring my loan current. I had a lengthy and detailed conversation with an agent who explained that because I had returned to work, but with my income/hours reduced by fifty percent due to continued impact of the pandemic on my job, and the hospitality industry in XXXX XXXX, I would be eligible to receive an offer for a lower APR and modified terms to reduce the monthly amount of my payment to a more affordable amount. I was also promised my missed payments would be "added on" to the end of my loan period so that I could continue making payments until the loan was paid off. I was told I'd receive the packet in 10-12 days by mail to sign, notarize and return. Finally, I received 'paperwork" on XXXX--TWO FULL MONTHS later! But the paperwork was not as promised (details below). Meanwhile, in the interim and EVERY DAY SINCE (including the date of this complaint), LoanCare has sent me auto-emails and placed robocalls several times each day (including Saturdays and Sundays) threatening me with foreclosure and collections! Again, I didn't do anything wrong! LoanCare didn't deliver the documents they promised, not me! Worse, as previously stated, when this so called document packet/paperwork finally arrived, the package did NOT include ANY of the promised provisions whatsoever! There was NO offer for the reduction of my APR or lowered payments so I could continue making my mortgage payment. The terms were NOT changed to add the missed payments and extend the length of the loan to accommodate as promised. Instead, the packet demanded that the missed payments be due in one lump sum at the maturity of the loan. This is NOT loan modification! This was a partial claim, I never indicated I was interested in this option. On the phone, the representative did not offer this option. Again, I spent a great deal of time asking questions and clarifying the offer. I have a RECORDING of our phone call! He promised me documents for a modification to lower my monthly payments with reduced APR. I didn't make a mistake or misunderstand; this company is being deceitful, fraudulent and unscrupulous. The lies the state repeatedly in the attach XXXX XXXX XXXX shall serve as proof. Loancare did NOT send the paperwork in a timely manner, and they did not send the CORRECT documents as indicated to include the offers promised by Loancare's customer service agent on XX/XX/XXXX Now, here we are in a New Year--and Loancare is still pursuing illegal collection activity with daily emails and robocalls threatening me. I AM STILL WAITING FOR THE CORRECT DOCUMENTS TO BE SENT FROM THEM TO REDUCE MY APR AND LOWER MY MONTHLY PAYMENTS! I'm not sure how to make this statement in plainer English. What is their problem? What is their disconnect? I'm not convinced this is just a series of unfortunate errors that, unfortunately negatively impact me. No, I'm hard-pressed to believe these actions are one under percent intentions on the part of this company. Here's why: I am convinced this company has no interest in reducing my APR and monthly payments ands instead is trying to "run out the clock" so they can foreclose on me giving the bogus excuse I didn't "return their documents" or some nonsense, when in truth, they REFUSE to send the CORRECT documents to me to have notarized and return! An example of this is, in the XXXX XXXX XXXX XXXXomplaint attached, XXXX XXXX at Loancare claims the correct documents were sent, however, this is FALSE. To this day, I still have not received them. If XXXX can deliver a package to me in an afternoon, why does this company have such trouble with the MAIL? Further, I attempted to contact XXXX XXXX at her number, XXXX XXXXXXXX XXXX XXXX to explain she told a falsehood to the XXXX and never set the application/documents for loan medication as promised and noted in her response to XXXX. Her voicemail greeting answers, however, you are unable to actually leave a message and are instead returned to the main menu--a common tactic Loancare employs. My attorney has looked over this case and agrees it appears the company is perpetuating fraud here, so he believes we have a strong case against Loancare if I'm forced to sue to their refusal to cooperate. I have all of my records, I have the voice recording of the aforementioned conversation on XXXX and the promises made, copies of emails I've sent to XXXX XXXX on their Loss Mitigation team, phone logs showing all dates/durations for the calls I've made to their offices. I have all the receipts from certified mail I have sent them regarding this matter, as well as the letters my attorney has sent. I also have a copy of the 100% false statements they made to the XXXX XXXX XXXX regarding my complaint with them; find it attached. (Which is actually great because it will help prove our claims of fraud and illegal handling of this matter in court). What I DON'T have is, any actual response from Loancare, whatsoever! Save robocalls and threatening emails, that is... This complaint with CFPB is my final attempt at an amicable resolution before taking this matter to court. Unfortunately, I have exhausted all other options. Loancare has repeatedly deceived me, defrauded me, and damaged my credit rating through no fault of my own. They continue to engage in illegal collection activity daily. They are threatening me with foreclosure, but repeatedly have either failed or intentionally refuse to provide the promised documents so I can modify my loan to bring it current. They are also incorrectly and illegally reporting a delinquent status to the credit reporting agencies, which has caused serious damage to my credit rating--which is another reason I'll be suing for any and all available damages. And again, ALL of this is because of LOANCARE's inaction, mistakes, fraud, and incompetence--not mine! Reduce my APR and lower my payments to an amount I can afford now that my income is 50% less due to Covid and I will pay the mortgage!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Mortage company is Loan Care. Loan Servicing Company is XXXX. XXXX we found out that our house insurance had not been paid and had been cancelled by our insurance company for non payment. The policy was effective until XXXX days later we got notice from the insurance company that Loan Care had not paid the premium and the policy was cancelled. our original cost for home owners insurance was XXXX per year. instead of paying that, Loan Care place their insurance at a premium of XXXX and notified us that our house payment would go from XXXX to over XXXX. The insurance company that we went to for help said that Loan Care had 90 days before they had to get forced placed insurance. LOAN C are placed it in less than 60 days.We were able to get a 'junk ' policy with the help of the agent and our previous company for XXXX. Now Loan Care says our new payments are going to be over XXXX every time we called to try to figure this mess out it was a different person in their insurance dept. and a different story! This has been a nightmare as we are senior and live on SS. Have heard almost the same story from many others in our senior group. " This is a way for them to foreclose on seniors ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33991
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I'm dealing with a mortgage company called XXXX who is serviced by loancare. I had severe damage during the winter storm in texas that was a national disaster and have been going back and forth with them for months. I now have my property repaired to 85 % but I still have no kitchen counters or cabinets. They will not release any portion of the final check for {$5700.00} and and are holding back at least {$1000.00} from another check. I need at least {$5000.00} for my XXXX to finish the work. So now I have to pay out of pocket.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 762XX
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A