|
3847163
|
2020-09-12
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2020-09-12
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-10-07
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
2784795
|
2018-01-17
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2018-01-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-01-17
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
In XXXX I purchased my home in XXXX idaho through loan servicer XXXX XXXX who sold the loan to the current " servicer '' Loancare , LLC. They never properly notified me of the initiation of transfer nor did I receive a new agreement or packet with necessary information from the new servicer. I have requested several times but no success. I have tried to call to speak with someone to clarify terms and such but I am never able to get anyone on the line. Recently I decided to purchase a second home and to refinance with a completely different company for this loan all together. I have never felt secure since the transfer as I am unable to communicate with them entirely. Upon reading some reviews and how horrid they have done likewise consumers I decided to act immediately. I requested a payoff statement, when I received it, it stated I was late on a payment which is not accurate. I pay the same time same way each and every month so I knew there was no way to have done so. I tried to contact them, again no success. XXXX XXXX I logged on as usual to make my payment, the welcome page generated and I clicked the online payment link but rather than being redirected to the appropriate page a message came and said unavailable to you at this time please contact them at the listed phone number between specific hours. So I have been attempting to contact them since again no success. I have never received any mail, notice, email, or phone call of any issue. Since I was unable to pay online I submitted a check through bill pay from my bank instead.
Yesterday XXXX/XXXX/XXXX I received a letter that states I am in preforeclosure for being behind in pay. I got on my credit monitor and saw the months in which they note I was delinquent or did not pay ... all months have been paid. I have receipts to show such to be true. I never had an issue or knew of a potential for issue until I was not able to log into my account as usual. I disputed the information with the credit bureaus but no change has been made. I have documentation that I have sufficient income to be loaned to, that I have always paid payments and on time, and that I in fact have sufficient enough income to purchase another home as desired however with the havoc on my credit this is causing my credit score is quickly diminishing ... from high 700 's to low 600 's today.
I need this fixed and resolved and to be able to refinance with another lender asap. I am at a loss and do n't know what else or at all to do.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2844981
|
2018-03-15
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Mortgage
|
| Sub Product |
VA mortgage
|
| Date Received |
2018-03-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-03-15
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Payment Errors : LoanCare did not properly credit the payment that I made on XX/XX/XXXX in the amount of {$2700.00}. This payment should have been credited as a standard monthly mortgage payment and distributed to Principal, Interest, and Escrow. Evidence of this payment has been provided to LoanCare through email and a direct letter referencing Error Resolution Notice under 12 C.F.R. 1024.35.
Had this payment been applied appropriately, I would not have been charged a late fee of {$110.00} on XX/XX/XXXX and {$110.00} on XX/XX/XXXX. Therefore, I requested a credit for these late charges in the amount of {$220.00}.
I have made numerous attempts to correct this issue by calling LoanCare customer service line on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I also emailed documentation on XX/XX/XXXX ( LoanCare Ticket # XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( XXXX ). Finally, I mailed LoanCare a formal letter referencing Error Resolution Notice under 12 C.F.R. 1024.35 outlining full details, proof the payment was made and received, and my account and contact details.
To date, I have not received any acknowledgement of my inquiry or been offered any timeline for expected resolution.
|
| Consumer Consent Provided |
Consent provided
|
|
|
101258
|
2012-06-13
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Mortgage
|
| Sub Product |
Other mortgage
|
| Date Received |
2012-06-13
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2012-07-11
|
| Consumer Consent Provided |
N/A
|
|
|
2342959
|
2017-02-14
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Mortgage
|
| Sub Product |
Other mortgage
|
| Date Received |
2017-02-14
|
| Submitted Via |
Web
|
| Company Response |
Closed
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-03-15
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3404733
|
2019-10-14
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2019-10-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-10-16
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
In XX/XX/2019 I received an account history. My escrow account was in a minus state from XXXX through XXXX, and only notified in XXXX in a statement. This was probably due to the fact the house is only 2 years and it has taken the state that much time to catch up on collecting the right amount of taxes. In XXXX of 2019 the company called me to say I have to pay for hazard insurance which I thought was supposed to be part of the escrow account ( which it is ). They contacted my insurance company ( XXXX and informed them that they owed them ( the mortgage company ) {$720.00}. They called me back saying that I had to take care of the insurance or they were going to get it and threatened it would cost me more money. I couldn't believe what they were saying. They finally paid it. Because of this experience I thought it best to cancel the Escrow account. I wrote a letter on XXXX XX/XX/2019 indicating I wanted the account closed by XXXX XX/XX/2019 and was willing to pay an amount of {$950.00} that was due the Escrow Account and starting XXXX XX/XX/2019 I would pay only the {$630.00} for the mortgage fees. I sent the letter Register Return Receipt and they signed it on XX/XX/2019. I never received a reply. Sent my normal payment of {$820.00} on XXXX XXXX, which should have been received on XXXX XX/XX/2019. They held that check until 2 days after the deadline and tried to charge me a late fee. I have a copy from the bank showing proof of payment. I finally went to the bank on XXXX XXXX with my problem. A representative at the bank spent 1-1/2 hours on the phone trying to get the fee taken off and sent the loan company a copy of the proof of payment as well as a copy of my letter and a copy of the registered return receipt. When they sent me the statement of my account they said the shortage was at {$2700.00} ( I believe this included what my account was going to require by XXXX of 2019 ) and that my future payments would be {$1200.00} if I didn't pay this shortage by XXXX XXXX. I told them about the letter - they ignored me - and told me they did not acknowledge my request to do away with the escrow account because I hadn't paid the {$950.00}. I sent it on XXXX XX/XX/2019 when it was due, and have a receipt from them. The {$950.00} is the true amount of the shortage, but they are trying to get more to cover the added fees needed for the escrow account because they decided not to close it out until XXXX XX/XX/2019. I'm XXXX years old, luckily still have my wits about me, but have never in all those years experienced anything like this. I have called them numerous times and have lots of names of people I talked to. The person at the band I use was hung up on as I was many time. The bank I have been using has indicated that previous to this problem they checked to see that the loan company was not cashing the payments until weeks after having received same. I don't want to have my credit score hurt by their mistakes. I don't believe I should have to pay for their incompetence.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4293865
|
2021-04-13
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2021-04-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-04-19
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
i have tried for 2 weeks to get online into my account. It will not take a password ..locks me out then does not send any code thru SMS text, call or email for me to get into account. The phone line gives you no email and the phone number is NOT OFFERING CUSTOMER SERVICE! I have talked to techs and others when they were giving you the optiion and they state they can not help me. Clearly their system is broken and they do not make any attenpt wither to fix it or assist me in any way. I can not access my mortgage account!!!!!
|
| Consumer Consent Provided |
Consent provided
|
|
|
4981288
|
2021-12-06
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-12-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-12-06
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Under the Presidential Covid Relief Act, homeowners that needed to go on mortgage forbearance could do so with no negative impact to their credit. I was told that I was in good standing to go on the program and could still make whatever payments I could while on the program to help buffer the end cost. After trying to refinance I see that they reported me 30 days late for 15 consecutive months. I have filed disputes with the credit bureau three times and file a official complaint with LoanCare. Due to this huge negligent error I am unable to refinance as it trashed my credit, and now I am looking at my children and I losing our home because I ahve to refinacne and get my ex husband off my loan. Lastly he is also suing me for his credit being damaged due to this error. After numerous attempts to get this corrected nothing has been fixed.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4008530
|
2020-12-13
|
Struggling to pay mortgage
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Mortgage
|
| Sub Product |
VA mortgage
|
| Date Received |
2020-12-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-12-13
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
At the end of XXXX I contacted my mortgage company to take my home out of the COVID-19 forbearance that it was in. I had to contact the VA to get assistance due to the lack of response from LoanCare. The VA told me to ask for a disaster modification because the process did not require completing an application and would accomplish the same thing. This was requested at the end of XXXX. LoanCare states they mailed documents to my home in the middle of XXXX about the terms of the agreement. My payments were supposed to begin on XX/XX/2020 therefore I contacted my mortgage company AGAIN the first week of XXXX. They said they would email the documents. I waited on hold for ten minutes and was told the documents would be emailed shortly. I still have not received the documents by mail or email although this process was started nearing two months ago. As a Veteran I worry they are just trying to get me to default on my mortgage and take my home. I am not sure where to turn as I am ready to make my new monthly payment but since I have not officially signed the new agreement I have been advised by multiple customer service reps not to send payment as it will only be applied to the past due balance that is supposed to be moved to the end due to this modification.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5177600
|
2022-02-02
|
Incorrect information on your report
|
Mortgage
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Mortgage
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
FHA mortgage
|
| Date Received |
2022-02-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-02-02
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
A home loan refinance was initiated through XXXX XXXX. They submitted the payoff amount to Loancare LLC on XX/XX/2022. Loancare policy is that late payments are not reported to credit bureaus unless payments are made outside of the month that the payment is due. After the payoff was completed, Loancare reported the mortgage as paid off and 1 month deliquent. We are requesting that Loancare remove the late payment report to the credit bureaus.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2833527
|
2018-03-06
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2018-03-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-03-06
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4632654
|
2021-08-15
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2021-08-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-08-15
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3636571
|
2020-05-04
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2020-05-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-05-07
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
this complaint is against XXXX XXXX loan care. they are the collection arm for our loan.
Everything was fine until XX/XX/2020. I think that was the point when our 1st was paid off and our ballon 2nd began. for what ever the reason their platform can not handle it.
as you can see by looking at the attached payment history between XX/XX/XXXX and XX/XX/XXXX we paid them {$12000.00} but instead of the loan going down it started going up. you will also see that {$6000.00} of our money has not been applied to the loan. And to add insult to injury their junk system reported us as late to the credit score keepers, blowing a big hole in the side of our credit score.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2860063
|
2018-03-30
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2018-03-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-03-30
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Last month, I made a payment online for my monthly mortgage payment. I received an email from the loan servicer confirming that my payment had been processed. This month, I went to make another payment online and found that the loan processor had not processed my payment from last month and was going to charge me {$10.00} for late payment for last month 's payment, plus I now owe for this month. I paid both payments online, including the {$10.00} late fee and then called to see what happened to last month 's payment. The loan servicer confirmed that they received the online payment last month, but had no idea why it didn't go through. She said it was probably an internal processing error on their part. However, she would not refund my {$10.00} late fee because she said her system wouldn't allow it, and it was too bad that I didn't call to pay over the phone because then they could have removed the {$10.00} late fee.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2646856
|
2017-08-19
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Mortgage
|
| Sub Product |
VA mortgage
|
| Date Received |
2017-08-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-08-21
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
My monthly loan payments ( w escrow ) are made from XXXX XXXX XXXX XXXX from XXXX. KS through their bank webpay. This process has been ongoing without issue until XX/XX/XXXX. The usual payment of {$1400.00} was sent from XXXX XXXX XXXX XXXX as usual into LoanCare and was cashed on XX/XX/XXXX. Loan Care claims that they didnt received the payment???? I became aware that the payment was past due in early XXXX in reviewing my monthly statement. Since early XXXX I have called loan care ( XXXX XXXX ), I have emailed them, I have even attempted to get assistance over social media. The last email I received asked for copies of the cashed check ( front and back ), of which I informed them the bill pay does not use actual checks, the payments are made electronically. I also received an email stateing that they just received a XXXX check on XX/XX/XXXX, however that was the XX/XX/XXXX mortgage payment ... .that was not the missing payment. ( XXXX ) I have used what savings I have to bring the loan current, however loan care seems un-interested in finding my missing payment and I am reaching out for assistance. As a XXXX Veteran I can not afford to have this amount of money be stolen from my family. XXXX, My property manager is XXXX XXXX of XXXX XXXX. These are his banking documents from XXXX XXXX XXXX XXXX. Their phone number is ( XXXX ) XXXX XXXX XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
2228295
|
2016-11-29
|
Managing the loan or lease
|
Consumer Loan
|
|
| Tags |
Servicemember
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Consumer Loan
|
| Sub Product |
Installment loan
|
| Date Received |
2016-11-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-12-17
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
In XXXX of XXXX My Mortgage Loan was purchased by Loancare XXXX. I 've received mail from numerous mortgage companies for years since I purchased my home in XXXX XXXX. When I received mail from Loancare, of course I shredded it assuming it was junk mail. When I noticed in XXXX that my automatic payments were no longer being withdrawn from my previous mortgage company, I started looking in to it and discovered my loan was sold off. The next letter I received in the mail was in fact opened and I followed the guidance of sending a {$3000.00} certified bank check to their Collector on XXXX XXXX XXXX to get the loan balance caught up, and even called them to explain what had happened. I 've never once been late on a mortgage payment ever, it was an honest mistake. On XXXX XXXX, I had made my first online mortgage payment towards my XXXX XXXX monthly payment of {$1000.00} which also included late charges for some reason. I looked in to this and discovered, they had cashed my certified bank check of {$3000.00} but only reported {$2000.00} towards my mortgage loan. I called them again and was told there was some kind of mistake made, and that they would correct the problem in XXXX-5 business days. 2 weeks later, they reported on my credit that the loan was still in default for all the months listed above and that no payments had been made. At this point, I went to their online complaint link and filed a complaint on everything that had happened thus far. I called over 4 more times to get this resolved and was told over and over again, that they were still working the issue and that eventually it would be resolved. I could not get a straight answer from a single person, including an actual supervisor I spoke to, who said they would freeze reporting anything to the credit bureau until they had corrected their mistake, but did make me pay an over the phone payment of {$2100.00} towards the XXXX and XXXX payments to get the loan caught up until they find the discrepancy of the missing $ XXXX dollars from the bank certified check. It is now XXXX XXXX, nothing has been resolved, they have called my cell phone over 20 times just in this past week, to let me know that somehow, they have not received XXXX or XXXX payments, and that I still owe them over {$2000.00} for those months, and another {$600.00} short in my Escrow. When they purchased my mortgage Loan, my monthly payments were {$980.00} a month, and again, I was never late on a single payment since I purchased the house, and my Escrow was completely caught up at that point in time. To top it all off, I am in the military, have been for 15 years, can not believe this is how people like me get treated, and I am being sent on mobilization again on XXXX XXXX XXXX and ca n't get anywhere with this Loan Care mortgage company. They have broken over XXXX Federal laws that I know of, and they continue to rip me off and charge me more and more money, but report the exact opposite on all my credit reports. The total Loan Balance does not reflect all of the payments that I have made which means they are trying to rip me off even more, and I have not been reimbursed or credited a single late fee or charge, from their month to month XXXX-ups on my loan.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8467749
|
2024-03-04
|
Closing on a mortgage
|
Mortgage
|
|
| Issue |
Closing on a mortgage
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Mortgage
|
| Sub Issue |
Trying to communicate with the company to fix an issue with the loan closing
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2024-03-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-03-04
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8548831
|
2024-03-15
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Mortgage
|
| Sub Issue |
Escrow, taxes, or insurance
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2024-03-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-03-15
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3788054
|
2020-08-10
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-08-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-08-10
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
On XX/XX/XXXX I applied for mortgage deferment / forbearance for two rental properties I own. Loancare / XXXX services both mortgages. I received auto-reply messages saying my forbearance request was received and I should turn off the AUTOPAY direct debits for the loans. I did so. On XX/XX/XXXX, I received LATE PAYMENT notices for both loans. I responded to Loancare with detailed emails and phone calls ( that are not answered ). I received an auto-reply from Loss Mitigation with a Ticket Number and instructions on how to apply for forbearance ( which I had already done, twice, with two confirmations of their acceptance. ) See below : # # # XX/XX/2020 ( Reference number : XXXX Please use this ticket number in any correspondence with us. ) Subject : Loss Mitigation Dear Valued Customer, Thank you for contacting us.
A Message About Coronavirus ( COVID-19 ) and How to Apply for a Forbearance Thank you for contacting us about your mortgage. If you are experiencing financial hardship due to the coronavirus ( COVID-19 ) pandemic, continue reading for information about your relief options.
On XX/XX/2020, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) was signed into law. The CARES Act allows mortgage borrowers to request a forbearance with an initial term of up to 180 days ( 6 months ). When the initial term expires, mortgage borrowers can request an additional term of up to 180 days.
# # # More phone calls that never get answered, more emails that have an auto-reply.
I then SELL the homes. And the loans are paid off. AFTER the sale is closed I learn that LoanCare has marked my loans as 60 days late making it impossible for me to modify any other loans. My web portal ( to login to Loancare ) is now closed. And they still don't answer the phone.
Please help.
XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
5353183
|
2022-03-22
|
Closing on a mortgage
|
Mortgage
|
|
| Issue |
Closing on a mortgage
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2022-03-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-04-06
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
323351
|
2013-02-20
|
Application, originator, mortgage broker
|
Mortgage
|
|
| Issue |
Application, originator, mortgage broker
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2013-02-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2013-02-21
|
| Consumer Consent Provided |
N/A
|
|
|
4256868
|
2021-03-30
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2021-03-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-03-30
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2801425
|
2018-02-02
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2018-02-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-02-02
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2650298
|
2017-08-24
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Mortgage
|
| Sub Product |
VA mortgage
|
| Date Received |
2017-08-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-08-24
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3412645
|
2019-10-21
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Mortgage debt
|
| Date Received |
2019-10-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-10-21
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
