LoanCare, LLC

2018-11-02

Oakland, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-01

Arroyo Seco, NM

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-01

Trouble during payment process

Mortgage: VA mortgage

Complaint: I have addressed this to both XXXX and to LOANCARE and neither has cooperated with my requests. My issue is simple. I want to get a monthly statement on my mortgage paydown. This ceased some months after XXXX pushed my mortgage to LOANCARE. I was doing a fast paydown on my mortgage when XXXX pushed my mortgage to LOANCARE. Here is the traffic of email that I have had with both XXXX and LOANCARE during the past 6 months. XXXX has done nothing to help. LOANCARE initially helped but then has done nothing to fix their website to function. I can not see if my payments are being tracked, I can not see my balance, and I have no security to know that my mortgage is being paid down as per my instructions. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - To Subject Sent Size XXXX ' ; XXXX XXXXXXXX RE : Acknowledge : RE : Payment Received { ( Ticket # XXXX ) Sat XX/XX/XXXX 87 KB XXXX RE : Acknowledge : RE : Payment Received { ( Ticket # XXXX ) XX/XX/XXXX 73 KB XX/XX/XXXX XXXX RE : RE : Payment Received ( XXXX ) XX/XX/XXXX 67 KB 'Issue Resolutions ' ; 'XXXX XXXX RE : [ External ] RE : Resolution Email for Concern Id XXXX - XXXX XXXX XX/XX/XXXX 102 KB Issue Resolutions ; XXXX XXXX RE : [ External ] RE : Resolution Email for Concern Id XXXX - XXXX XXXX XX/XX/XXXX 104 KB XXXX XXXX FW : RE : Payment Received ( XXXX ) XX/XX/XXXX XXXX XXXX Issue Resolutions ; XXXX XXXX RE : [ External ] RE : Resolution Email for Concern Id XXXX - XXXXXXXX XXXX XX/XX/XXXX 102 KB 'Issue Resolutions ' ; XXXX RE : [ External ] RE : Resolution Email for Concern Id XXXX - XXXXXXXX XXXX XX/XX/XXXX 97 KB XXXX RE : Resolution Email for Concern Id XXXX - XXXXXXXX XXXX XX/XX/XXXX 79 KB XXXXXXXX, XXXX XXXX, Ms., XXXX, XXXX/XXXX-XXXX RE : Question on Loan Care Website and Personal Loan Status XX/XX/XXXX XXXX XXXX XXXX Question on Loan Care Website and Personal Loan Status XX/XX/XXXX 53 KB XXXX CUSTOMER SERVICE PLEASE XX/XX/XXXX 53 KB XXXX RE : Payment Received XX/XX/XXXX 59 KB XXXX RE : Payment Received XX/XX/XXXX 55 KB -- -- -- -- -- -- -- -- -- -- -- -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Recently I communicated on XX/XX/XXXX and then again on XX/XX/2018. Neither XXXX nor LOANCARE has responded to my requests.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-31

Tyrone, NM

Applying for a mortgage or refinancing an existing mortgage

Mortgage: VA mortgage

Complaint: In XX/XX/XXXX my VA Mortgage was transferred to Loancare. I had just almost completed a loan modification program with XXXX and was to make 3 payments in the amount of XXXX, a higher amount than my mortgage payment would be to show good faith. *This is what XXXX advised. I made my first payment to XXXX on XX/XX/XXXX and my second payment to them on XX/XX/XXXX. When Loancare took over - I was told to make the third payment to them which I did on XX/XX/XXXX. I received paperwork from Loancare indicating my payment would be {$1200.00} at an interest rate of 2.25 %. When I tried to make XX/XX/XXXX 's payment they would not accept it, stating that they didn't have all the paperwork for XXXX. PLEASE NOTE - I had just gone through a borrower assistance/loan mod process medical hardship ) with XXXX It was my understanding from XXXX AND from Loancare that I was good to go. They apparently started over again, EVEN though I had already made the 3 " good faith payments '' the last being to them. I called in XX/XX/XXXX and XX/XX/XXXX and was again told that they didn't have the paperwork from XXXX. In XX/XX/XXXX I was told my loan was with the underwriter, which I really didn't understand. I then got a notice ub XX/XX/XXXX that there was a lien on my property. We had a total loss of our roof in XX/XX/XXXX and our mortgage servicer at that time, XXXX, did not release all the funds. It took almost another year to get the roofer paid. I immediately addressed this issue with the roofer. He had failed to lift the lien after he was paid, but did so immediately. I provided Loancare with this information and was told and I should have a contract soon. I didn't hear anything else. I called every month and ended up leaving messages with my point of contact - who had changed several times. No one I was actually able to speak to knew what was going on. I called in XX/XX/XXXX and was told that nothing was moving forward because of the lien ... .which I had already dealt with in XX/XX/XXXX. At that point I filed a complaint with you ... the CFPB. I immediately got a contract, but the reason they gave for the delay stated that I did not get the lien taken care of at the time I actually did. The shock came when I read the contract. It stated that my new payment would be {$1700.00} with an interest rate of 4.625 %. When I called them, my point of contact stated that it was because I had an ARM ... and that it the market had changed and it went up. I advised them that both the paperwork from Roundpoint AND the paperwork I initially got from then stated that my rate was 2.25 %. I got no real explanation - may have been that the initial statements were computer generated ... don't know. At that point my wife and I both were devastated and didn't know what to do. It had been my understanding that if I did a loan modification I could not have an ARM and it would go to a fixed rate. Even if they were considering a rate increase due to the ARM that rate was not scheduled to increase until XX/XX/XXXX. I had to sign the contract or lose my home. To add insult to injury - I recently contacted another loan company that specializes in VA loans and makes many of their decisions " in house. '' We thought we were going to get some relief, however, my credit report now shows that I was delinquent on my payments PRIOR to even getting a contract. WE TRIED TO MAKE THE PAYMENTS. Thought things were fine after the " good faith '' payments, etc, etc. Loancare dragged their feet, they made us go through a whole new loan modification, told us month after month things were fine or didn't respond at all, then there was the lien issue and we DID address that immediately. Told over and over it was with the underwriter ... then our payment and interest rate went up a ridiculous amount with no satisfactory reason ... .and now I can't even work with another mortgage company because of the info on my credit report WHICH WAS TOTALLY OUT OF MY CONTROL. I SHOULD HAVE BEEN ABLE TO START MAKING MY PAYMENTS OF {$1200.00} IN XX/XX/XXXX AT 2.25 %. I have researched this company and there are many many complaints. I served my country for 29 years. These people have treated both my wife and I with disrespect. This is unacceptable. Regarding the initial report I filed back in XX/XX/XXXX ... ..that was just to try to get our contract..which..interestingly enough ... I got immediately after I filed the complaint. THIS new complaint is due to the interest rate increase and info on my credit report which is preventing me from being able to work with another loan company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-30

Mabank, TX

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: I purchased my house on XX/XX/XXXX and the very next month my job changed to a different company under the parent company and my income started to decrease. I made my payments all the way up to XXXX of XXXX and in XXXX of XXXX I called my mortgage company XXXX XXXX XXXX at XXXX to see what options I had to do a payment extension or something. I was told that I could apply for a modification but would have to be at least 60 days past due. I applied for the modification in XXXX of XXXX and called every week to two weeks following up on the status after sending in additional loan documents the mortgage company asked for. I received a letter in XXXX stating I was denied due to I wasn't in my home for 12 months. I then had to take out a hardship withdrawal from my 401k to catch my mortgage payments up from XXXX to XXXX which now still had me behind the XXXX, XXXX and XXXX payment. At the end of XXXX I set up a payment plan with hopes of my income increasing under the new job function and my first payment was going to be XX/XX/XXXX. I was then laid off on XX/XX/XXXX so I called my mortgage company and explained I was laid off and they told me I could apply again for the modification because it would take them 30 days to process it and by that time I would have been in my house for 12 months and to send the documentation showing where I was laid off. I did that and continued to follow up with the mortgage company for the status of the modification. I called the mortgage company today and now we are at the end of that process and I was told that my modification was denied again because they said I haven't passed the 12 months of the 1st payment for an FHA HAMP modification. I asked to speak to a manager and a team lead by the name of XXXX was very rude and unprofessional as I was trying to explain to him how each representative I spoke to gave me all the wrong information every time I called. I am a single mother of XXXX with XXXX children in college and XXXX that has XXXX XXXX. This process has stressed me out so bad because of the miss information and misleading documentation sent by XXXX XXXX XXXX has put me in a worst position that what I started with. My income has dropped dramatically and I turned to my mortgage company for help and all they have done is given me false information. I feel like they are trying to take me house from me and to top it off they are now selling my loan on the XXXX of XXXX to a new servicer. I've went out t the hud website and read the FHA HUD Handbook 4000.1 and it has an option for the following and based on this information it shows that I would qualify for the modification but Commerce mortgage is only looking at the one option of the mortgage default instead of Mortgage in Imminent Default see below. I asked XXXX to let me speak with a manager and after being on hold for over an hour they transferred me a voicemail and the guy name was XXXX but couldn't make out his last name. I don't want to lose my home, I can't lose my home I would have no where to go. I'm doing the best I can trying to get back on my feet now that I have a job but is paying less than half of the income I was making when I purchased my house. Bad things happen to good people that's out of their control and I don't think you should be treated like you are a bad person because you fall on hard times. Please help me as XXXX XXXX XXXX has purposely not giving correct information and misleading information that causes their customers to be in a worst position that what they actually started out with. Thank you ( b ) Mortgage in Imminent Default To modify a Mortgage facing Imminent Default under FHA-HAMP, the Mortgagee must ensure that the following conditions are met : at least 12 months elapsed since the Closing Date of the original Mortgage, as evidenced on HUDs Neighborhood Watch system ; a minimum of four Mortgage Payments have been paid by the Borrower on the current Mortgage ; Imminent Default due to a verified loss of income or other hardship as explained in the definition of Imminent Default ; and the Mortgagee obtains documentation evidencing the cause of the Imminent Default.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-29

Gloucester City, NJ

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-29

CO

Incorrect information on your report

Mortgage: Conventional home mortgage

Complaint: On XX/XX/XXXX, LoanCare sent us a letter stating that they were going to be our new mortgage servicer. Our former mortgage loan subservicer was XXXX XXXX XXXX XXXX and they were transferring our mortgage to LoanCare. Our complaint is that LoanCare has failed to add our mortgage payment history to the three major credit bureaus ( XXXX, XXXX and XXXX ). This has resulted in a lower credit scores and higher interest rates for our two recently obtained auto loans and four recently obtained credit cards, as well as a refusal by another mortgage servicer to refinance our mortgage until this information was accurately reflected on our credit reports. We have repeatedly called and gotten in touch via the help center on the LoanCare website to have them add this information. As of today, XX/XX/XXXX they have still failed to do so which is evident by the fact that we just pulled all three credit bureaus reports for both my husband and myself and this data still is not being reflective therein. Most recent requests were : XX/XX/XXXX Email from a LoanCare confirming their receipt of our request that they add mortgage payment history data to all three major credit reporting bureaus. XX/XX/XXXX. Email confirmation of inquiry regarding mortgage account XX/XX/XXXX. Email stating they received inquiry and are assigning it to appropriate department with ticket number XXXX XXXX We emailed a picture of XXXX credit report showing no mortgage data on summary page requesting that LoanCare review the amount of time weve had the mortgage with them and report accordingly to all 3 credit bureaus. There are other disputes with this lender as well but it would be too lengthy to address all of their failings here.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-29

Neotsu, OR

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-24

Brooklyn, NY

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I sent a letter is a Notice of Error sent pursuant to 24 C.F.R. 1024.35 The enclosed Assignment of Mortgage that was recorded and filed on XX/XX/2010, with the City Register of the XXXX XXXX XXXX XXXX to claim legal ownership was robo signed. Robo-signning has been outlawed in the State of New York. The Assignment of Mortgage was robo-signed by know and admitted robo-signers XXXX XXXX, XXXX XXXX and XXXX XXXX. I'm enclosing supporting evidence of fraud showing XXXX XXXX, XXXX XXXX and XXXX XXXX roles as known robo-signers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-23

Hamilton, OH

Trouble during payment process

Mortgage: FHA mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-23

VA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I paid my mortgage at Loancare with an early payoff on XX/XX/2018. I received a letter dated XX/XX/2018 acknowledging the payoff. After not receiving information from my courthouse about the satisfaction of the lien, I called Loancare on XX/XX/2018. I was told by the servicing agent that it had only been 103 days and then was put on hold then disconnected. I called my clerk of court in my county and they had not received the paperwork. I called Loancare back getting several different servicing agents, being put on hold and then being disconnected. I called again asking for a supervisor. I then learned that Loancare had mailed my release/information to the wrong courthouse with the wrong address in another county on the other side of the state thus putting my and my deceased husband 's information at risk for fraud or whatever. I asked the supervisor to send my information to my courthouse via XXXX, even giving him the correct XXXX physical mailing address and the XXXX XXXX XXXX. XXXX mailing address. I said to not send information via XXXX to the physical address as it would not get to them. I have been calling my courthouse and still they have not received the information. I called Loancare again on XX/XX/2018 and threaten to file a claim with this bureau. I was put in contact with upper management. I had to tell my story again for the umpteenth time. I was assured that everything would be taken care of right a way. I was sent a letter dated XX/XX/2018 via Loancare 's social support website stating that they mailed the information to the physical address but not saying what service that they used nor a tracking number. I have called my courthouse again today XX/XX/2018 and they have still not received any release documents. I have left a message with my contact from upper management requesting a tracking number for sending the documents. I have been more than patient. I am dealing with XXXX XXXX and the death of my husband from XXXX. I always paid my loan on time with an early payoff. Additionally, a few years ago Loancare neglected to pay my home insurance thus letting it lapse with no explanation. I had to pay it and take over my own escrow account for taxes and insurance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-22

Chicago, IL

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-22

Hamburg, NY

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: I applied for a partial claim FHA loan modification on XX/XX/XXXX. I faxed the documents and received fax confirmation that all documents were received. I received a letter on XX/XX/XXXX asking for 60 day bank statements. I also received a call on XX/XX/XXXX advising me that the year XX/XX/XXXX was not included on the XXXX. I had the document which was included in the original faxed package in my hand and I clearly wrote the year XX/XX/XXXX on it because it wasnt typed on the form. I was also advised that since my husband and I didnt have a bank account, and all we had was a XXXX XXXX XXXX money market account which was given to my husband by his employer in order to receive direct deposit, that we needed to include a letter of explanation explaining that it was a money market account used for direct deposit and that we couldnt deposit funds on it. We could only use it for withdrawing money and as a debit card. The representative also told me I needed more current statements. I did include the most current statements when the original package was faxed on XX/XX/XXXX. The representative also advised me that they needed our XX/XX/XXXX taxes. The only missing item listed on the letter from Loan Care ( XXXX XXXX XXXX ) was 60 day bank statements. I never received any other letters from them listing all the other missing documents. Our former attorney still had our XX/XX/XXXX taxes so I was able to email all documents listed above on XX/XX/XXXX at XXXX XXXX. I still did not receive any additional letters stating who my single point of contact was or advising me that additional documents were needed. Loan Care was not following the keep in touch routine every 3 business days. SIDE NOTE-Our Investor is XXXX XXXX XXXX XXXX XXXX. The mortgage was sold by XXXX XXXX to XXXX in early XX/XX/XXXX. I dont even think the first legal was filed within the timeframe stated in the HUD guidelines from XXXX or Loan Care as servicer for XXXX. I used to work as a supervisor, Banking Officer for XXXX XXXX XXXX XXXX and worked in the Loss Mitigation Department in both HUD Partial Claim loan modifications and short sale/deed in lieu closings. So I am familiar with the requirements. I also worked on a project during my time at XXXX XXXX XXXX because the current 2016 HUD Mortgagee letter requirements were not followed on several loan modification, short sale and deed in lieu of foreclosure closings before I joined the loss mitigation department. The procedures were 2 years out of date and claims were made to HUD to receive the claim funds. The closing packages were missing several HUD required documents because the department was following old HUD Mortgagee guidelines. XXXX XXXX XXXX received these funds from HUD and knowingly did not return them to HUD once they realized that there was a huge error on their part. They did not want to red flag HUD about the error. These loans were XXXX loans and I am aware how their servicers handle their loans and treat their borrowers. To my knowledge there was about XXXX XXXX XXXX in claim funds XXXX XXXX XXXX should not have kept after they discovered the huge errors made. I did report this to a false claim attorney after I was left XXXX XXXX XXXX in XX/XX/XXXX. However, I was advised that if the government wouldnt get involved that they would not pursue the case. I even had a sample of loans with loan numbers that I found on my computer on a spreadsheet from when I worked from home. The next call I received from Loan Care was XX/XX/XXXX. The representative said they needed even more current bank statements from the money market account and the letter of explanation stating that it was a money market account needed to have wet signatures by both me and my husband as well as the date. I was advised that once they received these last documents the file would go to underwriting for a loan modification. I emailed these documents to Loan Care on XX/XX/XXXX. I still did not receive any letters stating who my single point of contact was. On XX/XX/XXXX I received a call from a representative named XXXX. XXXX advised me that my file was with the Foreclosure Team. This was news to me. I never received any calls in almost a month stating we were declined or that they needed more documents or any letters stating the same. XXXX was incredibly rude, degraded me, talked down to me. She was advising me that I had to send an entirely new loan modification package. I asked for a supervisor and she thought I was on hold and I could hear her talking about me. At this point I was extremely irate and yelled I can still hear you. She transferred the call and the call was dropped. This is why I am coming to you for help. I was finally advised during this call that my SPOC was named XXXX XXXX but I never received any letters or calls from him. I am asking for your help to proceed with this loan modification request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-20

Palm Harbor, FL

Incorrect information on your report

Mortgage: Conventional home mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-20

Albuquerque, NM

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: XX/XX/2018 To Whom It May Concern : I am writing with a complaint against my mortgage provider LoanCare LLC. I have contacted Customer Service by phone many times since early this year about removing PMI from my account. I was received a letter and was told that as of XX/XX/XXXX the PMI would be automatically cancelled because I would have met the 76 % LTV threshold. I was instructed to submit an email requesting the PMI cancellation which I did. On XX/XX/XXXX, I called because I received a letter in the postal mail stating I needed to pay {$100.00} to request a BPO in order to do have the PMI cancelled. I called LoanCare because I had not been informed of that. The representative told me that it was not necessary to pay the {$100.00} because I had already achieved better than loan to value ratio and that the PMI was in the process of being cancelled according to ticket # XXXX. A month and a half later on XX/XX/XXXX I spoke to another representative by phone because I had not seen the PMI come off my billing statement. Her name is XXXX and she told me that I in fact did need to pay the {$100.00} to get the BPO and that the other representative had not given me the correct information. I said I would mail a check for {$100.00} to Loancare as stated on the letter ( Attn : Payment Processing ) but she told me she could expedite the process by taking my checking account information by phone and withdrawing the funds quickly. I did so and she told me that within 5 days I should be contacted by someone about conducting the BPO. I was given confirmation number XXXX. The funds of {$100.00} were withdrawn from my personal checking account. On XX/XX/XXXX I received my monthly billing statement and the {$100.00} was not applied to the BPO process but rather applied to my monthly bill. I called Loancare on XX/XX/XXXX and spoke with representative XXXX and later Supervisor XXXX. They noted that confirmation number XXXX as given earlier was going to move the {$100.00} from an unidentified area of billing and towards the BPO. They assured me that the {$100.00} would be applied toward the BPO process. They also told me that according to their system the BPO would be ordered and completed by XX/XX/2018. Today is XX/XX/XXXX, over one month later, and I received my bill from Loancare showing that the {$100.00} is still in an unidentified payment area and I still do not have any movement on the BPO to remove the PMI from my account. This situation is extremely frustrating and unfair because with each month that passes I am paying {$51.00} toward PMI that I do not need. From XX/XX/XXXX ( when PMI was supposed to be removed to begin with ) to now, I have paid 5 months of additional PMI at $ XXXX/month equalling {$250.00}. In addition, each time I call I am given different information and told a different story. I am being cheated by Loancare and receiving the worst service of any mortgage provider I have ever during all my years of home ownership, including mortgage servicers for another home I have owned. I request that your agency look into my case as soon as possible because Loancare clearly is not assisting me in getting my PMI removed, has taken my {$100.00} payment toward the BPO, and continues to charge me {$51.00} month after month for PMI that I do not need do to my LTV ratio. Until now I have tried every step to be proactive by calling Loancare and they are clearly not going to help me receive the service I deserve and have paid for. Thank you for your attention and quick response to my issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-19

North Sacramento, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-17

Problem when making payments

Payday loan, title loan, or personal loan: Installment loan

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-17

Bremen, GA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: They arent doing what the government says the lenders should to provide foreclosure alternatives to us homeowners. The property has been listed as a Short Sale for months now and I have had numerous loan offers from interested parties to buy the property. Loancare has been provided these offers all requested paperwork that they have asked for numerous times with no resolution or answer as to approving the short sale offers. They keep asking for documents and paper work that has been already provided and because of their delays we have had a previous offer fall through. Loancare has been very unreasonable since they have taken over my loan. They do not return phone calls left by our representation or emails and when they do they are weeks and months later. I am very desperate to sell my home through a short sale but Loancare is blocking this by their un-professional practices. On XX/XX/2018 or representation tried to contact Loancare again and thus far no response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-17

FL

Written notification about debt

Debt collection: Mortgage debt

Didn't receive enough information to verify debt
Complaint: Pleased revise my personal documents that I have like a certified FRAUD EXAMINER AFFIDAVIT .Qualified written request findings securitization audit report voluntary liens report ; That I have I request for a proof off claim ton XXXX AND XXXX XXXX ( XXXX XXXX ) An never give to me this proof of claim. Conclusion of the report that I have is : XXXX XXXX XXXX XXXX DOES NOT have standing to foreclose on the subject property as it not the holder in due course of the subject loan. According to the PSA which created the trust which currently owns the loan. The only possible holder in due course is XXXX XXXX XXXX XXXX XXXX as trustee for the XXXX XXXX mortgage 's LOAN trust XXXX.Howewere, XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX THEIR OWN SECURITIZATION TRUS DOCUMENTS. Therefore, XXXX XXXX XXXX XXXX XXXX LOST ITS INTEREST IN THE SUBJECT PROPRTY and its right to foreclosure by violating its own PSA.GIVING BOTH THE HOMEOWNER AND THE XXXX investor cause of action for fraud. I Have a proof with serious documents that certified this and Certified Fraud Examiner Affidavit. I'm looking for help to save my home. I was looking in my credit and all data about my Mortgages is not there I tray to negotiated with the people but they transfer to Loan care Servicing and I send 26 Modification to them but they only denied now I send this to your department because I what to enforce that the send me a PROOF CLAIM AND SHOW ME A REAL DOCUMENTS. PLEASE SEND ME AND EMAIL I CAN SEND TO YOU ALL MY PROOF AND LEGAL PROOF OF WHAT I DISPUTED. THANKS FOR YOU HELP! Thanks for your valuable help! XXXX XXXX XXXX direct number ( XXXX ) XXXX I hope you can help me whit this matter
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-17

Bessemer, CO

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-16

Baltimore, MD

Trouble during payment process

Mortgage: FHA mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-16

Canton, GA

Trouble during payment process

Mortgage: VA mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-15

Struggling to pay mortgage

Mortgage: VA mortgage

Complaint: I am a XXXX XXXX service member who has been paying my mortgage since XX/XX/XXXX that currently located in XXXX XXXX, Florida and was in good standing with XXXX XXXX. In XX/XX/XXXX I was XXXX overseas in XXXX XXXX. At the end of XXXX I was given XXXX to proceed to XXXX XXXX, XXXX XXXX for a period of a year. During my move I was not receiving my mail which is normal process during a military move. Apparently my escrow increased changed and I was not aware because I wasn't receiving my correspondence. Later in XX/XX/XXXX I received my backlog of correspondence and found that my mortgage payments were being rejected as they were being sent via military allotment. I received 3 checks from XXXX XXXX which I did not understand why. I called the mortgage company in XX/XX/XXXX and it was explained to me that my military allotment was being rejected because the payment was approximately XXXX dollars short due the escrow increase. Because I was in the middle of a military move I was unaware of the increase and not able to adjust my payments. During my phone conversation with XXXX told me that I needed to pay a total of {$6500.00} but because I'd had only received a few checks from XXXX I only had a total of {$3500.00} because the other checks that were rejected had not been received. Additionally, I did not have the money to make up the difference until I received the checks. I was in a financial bind because I was stationed in XXXX XXXX and my family was living in XXXX which was I had to pay for two household on one income. XXXX XXXX gave me a couple of weeks in order to wait on the rejected checks which did not I did not receive in time and after continuous calls to communicate that I have not received the rejected checks I was told that I my mortgage had been transferred to collections. At this point my only options were to pay the entire amount with penalties or to file a loan modification. At this point I was very frustrated and XXXX XXXX were some of the rudest people and I was made to feel very low. This situation happened to me all because I'm a military member and my military move, I was in good standing before my move. After losing faith with XXXX XXXX and unable to pay the total amount they were requesting to bring my mortgage into good standing I stopped communication and lost faith that I could save my home. In XX/XX/XXXX I received a notification that my mortgage was sold to LoanCare, on the letter it stated that my payment was due on approximately XX/XX/XXXX and was approximately {$1200.00}. I was excited because I thought that I was going to be able to begin making payments again in order to save my house, but after calling LoanCare that was not the case. Their correspondence they sent me were very misleading. In XX/XX/XXXX I began talking with a financial counselor and they suggested I do a loan modification with LoanCare. I talked with LoanCare and they guided me on how to submit the loan modification package, it was submitted in multiple times until the package was to their liking. During the many phone conversations with LoanCare they asked for my mailing address every time to update their system. At that point I would provide my mailing address in XXXX, again this happened a lot. In XX/XX/XXXX after calling LoanCare for a status of my loan modification I was told that it was approved and that my contract was going to be mailed to me. I was told to begin making payments to on XX/XX/XXXX and I did. While making the payment on XXXX XXXX I told the customer service agent that I still had not seen the documents for signature. The agent suggested that I wait a few more days and call back if not received. I made several calls and found out in XXXX that the mortgage documents were sent to the property address in Florida even after all the calls where I gave my mailing address to them to update their system. During this time I continued to make mortgage payments which occurred onXX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX. In XX/XX/XXXX I spoke to my property manager to verify that my documents were received and they were forwarded to me by my property manager and received on XX/XX/XXXX. I made an appointment with the notary on XXXX XXXX the next week and my wife and I both signed the documents. I faxed the documents to LoanCare on and made follow-up calls and was told that they had not been received but that it takes a couple of days to show on my record because the fax goes to a central location where they are processed in. This happened at least three times where I was told they were not received. After several attempts I was told because they had not received the documents I need to re-apply even though I was still making the payments. This could of been avoided if LoanCare would of sent the documents to my mailing address in XXXX. In XXXX I re-applied for a loan modification and after several attempts and different documents LoanCare accepted my package in early XX/XX/XXXX. Though my application was denied and sold on XX/XX/XXXX. This has been a frustrating and embarrassing ordeal which all occurred because of a military move and bad customer service. I'm writing this complaint in hopes that something can be resolved. I've been in contact with my VA representative and they have been little help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-12

Houston, TX

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-12

Katy, TX

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response