LoanCare, LLC
Consumer Complaints
There are over 2906 complaints on file for LoanCare, LLC. Dated between 2019-12-04 and 2012-06-13.
Complaints Page 74
2017-05-16
Macclenny, 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
2017-05-15
Phila, PA
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
2017-05-14
Temperanceville, VA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Loan Care LLc . XXXX XXXX XXXX XXXX . This company purchase my mortgage from XXXX XXXX XXXX about one year ago. Since the purchase I have had problems with payments crediting in a timely manner and not XXXX XXXX XXXX my Home Owners insura nce company called me to advise I they have not received my insurance payment for the new year. The payment was due XXXX XXXX XXXX . The bill was sent out by the insurance company to XXXX XXXX servicing XXXX XXXX XXXX XXXX , SC XXXX 30 days in advance. My policy will be cancelled XXXX XXXX XXXX if payment is not received from the Loan company. After I was advised of this situation I signed into the Loan company web site and saw a debit was removed from my escrow that same day. This is 13 days after the due date. As of today the 13 my insurance company has nor received the payment. I hope they will receive it next week because I do not have the funds to cover that and once cancelled I will never be able to purchase that same policy. This is unacceptable and this company has hundreds of such complains on the internet. The is also a complaint page that seems to be run by the company itself which of course gets no action just to make customers believe the government will see the complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-12
MI
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: On XXXX XXXX I received notice that Loancare ha d conducted an escrow " review '' and determined that my monthly escrow payment needed to increase from {$750.00} to {$930.00}. I found this to be odd, and excessive, and sure enough, after doing the math myself, I calculated that I 'd overpay them by about {$2300.00} annually with this increase. Within a few days I contacted Loancare by phone to argue these additional charges. I was told to submit a written reques t ( email acceptable ) with supporting information. I submitted information stating that our home was now under a " principal residence exemption '' thus lowering our tax obligation. I also included historical statements approximating our tax liability from when the home was under this exemption with the previous owners. This information was not deemed good enough, so they refused to reassess the monthly escrow contribution. At this time, feeling that giving Loancare an interest free loan was not in my best interests, I requested to eliminate my escrow account altogether as it 's not difficult to pay two tax bills and one in surance bill annually. I was just informed that they 've denied my request to eliminate my escrow account. To summarize, in my judgement, they 've poorly reassessed my escrow payment, causing me to overpay them by thousands of dollars annually. Thousands of dollars that should be in my bank account earning interest. Seeing eliminating the escrow account as an easy way to solve this problem, I 've requested that, but somehow they 've seen fit to deny that as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-12
Mount Olive, 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
2017-05-11
Canyon Cntry, CA
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
2017-05-11
Blaine, MN
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
2017-05-11
Church Point, LA
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
2017-05-10
WI
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I scheduled my mortgage payment to be taken out of my bank account on XXXX I then realized a got paid on the XXXX so canceled payment and rescheduled for XXXX . They took my payment both days so I called them on Saturday XX/XX/XXXX when I noticed to let them know what happened and asked to please refund the second payment the lady apologized and so she could n't put directly back into my account but would send it back to me priority mail right away. After still not receiving refund by Wednesday XX/XX/XXXX I called and requested supervisor. She told me refund was not sent and that I need to email them proof that my payment was taken out of my account twice. I told her no one told me I had to do that and was told it would be sent to me right away. I asked her why they could put back into my account t directly and she said because they get fees for that, she did not seem to care about all the fees I got from my bank when my account was put in the negatives. I explained to her that my account is now - {$500.00} and have had other bills scheduled to come out and am now in a very hard situation. I told her I would send her my bank statement immediately and then would like my refund sent next day mail, she told me she ca n't garentee that she could do that today because it was almost the end of her shift.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-09
FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: Mortgage was transferred to another bank and incorrect charges were applied to my payments. I was in contact with the bank for almost 6 months and then they reported me to the credit bureau. I attempted to refinance my mortgage and found I had been reported as delinquent by 30 days for XXXX and XXXX XXXX . I have since received a letter from the company apologizing and stating they will notify the credit bureaus within 90 days. I need this resolved as this is the only adverse information on my account and I need to refinance.
Company Response: Closed with explanation
2017-05-09
Reynolds, IN
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: LoanCare purchased our mortgage from XXXX XXXX . Apparently they did a customary Escrow review and determined it was too low so our payment was raised. We were not informed. LoanCare has admitted over the phone they failed to inform us. Therefore, our payment was about {$60.00} per month short. LoanCare accepted the auto draft p ayment from our bank, while considering our XXXX and XXXX payments to be late. We were informed of this by letter dated XXXX / XXXX / XXXX . When we received that letter, we immediately called LoanCare on XXXX / XXXX / XXXX . Spoke to female agent who stated that account had been reviewed and LoanCare was aware that we hadnt received notification of an increased payment. Agent removed late fees from XXXX and XXXX since it wasnt our fault and we made a payment over the phone to bring account current in the amount of {$150.00}. Again, we asked if the mistake would impact our credit, was told no it wouldnt since it was an error on LoanCares end and no further action would be required. The two payments are on our credit report which has prevented us from securing financing for purchase we need to make. Each time we call LoanCare, we are told this is being escalated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-08
Absecon, NJ
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
2017-05-08
Detroit, MI
Trouble during payment process
Mortgage: FHA mortgage
Complaint: Without notice, XXXX XXXX sold my mortgage to a company calle d Loancare. Thus far I have had an impossible time making payments, as though they want me to defa ult on my loan! Despite having setup auto pay and schedule d one time payments none of them are being applied! Despite their " website '' stating otherwis e. Customer agents have no clue as to what the status of my payments are as they use the exact same poorly designed and outdated " website ''. This company has no business handling my loan and their actions are bordering on discriminatory as I am a XXXX American and this issues are causing me great distress!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-06
Grosse Ile, MI
Trouble during payment process
Mortgage: FHA mortgage
Complaint: I entered into a mortgage loan agreement with XXXX XXXX , XXXX on XXXX / XXXX / XXXX . In XXXX of XXXX , the loan servicer was switched to XXXX XXXX . In XXXX of XXXX , the loan servicer was switched again to LoanCare , LLC. I was notified of the switch via mail on XXXX XXXX , XXXX . During the most recent switch, LoanCare , LLC lost track of an {$850.00} payment which I made on XXXX XXXX , XXXX . I have been making bimonthly payments on the Mortgage each month since the loan agreement was signed. The Mortgage clearly states that the following in Article 4 : " 4. BO RROWER 'S RIGHT TO PREPAY I have the right to make payments of Principal at any time before they are due ... I may make a full Prepayment or partial Prepayment without paying a Prepayment charge. '' This is printed on pag e 1 of 3 of the Mortgage agreement. It is literally on the face of the Note. When investigating the missing { $850.00} payment, LoanCare , LLC informed me that they do not accept partial payment. I am requesting assistance with the following two items : 1. Enforcing specific performance on LoanCare , LLC, so that they honor the terms of the contract and accept partial payment.
2. Ensuring that LoanCare , LLC recognizes all former payments for the Mortgage, including the {$850.0 0} made, and accepted, on XXXX XXXX , XXXX , to be applied to XXXX XXXX . As you know, contract law allows for the sale and transfer of a contract, such as a Mortgage. While transfer of a contract is acceptable, it does not allow the purchasing party to unilaterally change the terms of the contract. The purchasing party is still bound by the terms of the contract, as is the counterparty, myself. Thank you for your assistance. Sincerely, XXXX XXXX XXXX .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-05
MA
Trouble during payment process
Mortgage: Other type of mortgage
Complaint: In XXXX we had a fire that gutted our home. Fast forward to a month ago the insurance company finally sent the insurance claim funds to Bank that holds our mortgage ( which in this case is Loan Care LLC ). For the last three weeks we along with our public adjuster and contractor have been on the phone with Loan Care because they are refusing to release the funds. Please see the attached document with a detailed time line of the situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-04
Clovis, CA
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
2017-05-04
Phila, PA
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
2017-05-04
Charlotte, NC
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
2017-05-04
Finksburg, MD
Trouble during payment process
Mortgage: FHA mortgage
Complaint: My wife and I have an FHA mortgage that was transferred to Loancare in XXXX XXXX . Our loan originated on XXXX XXXX , XXXX , and our first mortgage payment was due on XXXX XXXX , XXXX . The purchase price was {$190000.00}. We only put 3.5 % down, so FHA mortgage insurance was included in the loan. The amount per month has varied slightly over time, but on our most recent payments the amount paid for mortgage insurance has been {$160.00}. On XXXX XXXX , XXXX , we made ou r 60th payment, an early payment for the installment that was due on XXXX XXXX , XXXX . We have never made a late payment on our mortgage. Through the course of our mortgage payments, we have consistently made additional principal payments, with the goal of being below 78 % LTV at the time we made our 60th payment. After our 60th payment was processed, our principal balance as shown on th e Loancare website, is {$150000.00}, which equates to a LTV o f 77.97 %. Our loan was closed in XXXX XXXX , well prior to the rule changes that went into effect in XXXX XXXX regarding when FHA mortgage insurance can be dropped. So we were grandfathered into the old rules. We have had our loan for 5 years, we have ma de 60 payments on the loan on which mortgage insurance was part of the payment, we have a LTV under 78 %, and we have notified Loancare in writin g that we have met all requirements and that the FHA mortgage insurance should be dropped. I emailed my notice that the FHA mortgage insurance requirements had been met and mortgage insurance should be dropped, on the morning of XXXX XXXX XXXX , the day after m y 60th payment that dropped the LTV below 78 %. I received an acknowledgement email in response, which includ ed a notice that I should expect a response within 5 business days. But it has now been over a month ( 31 days and counting ) and we have not received any response of any kind from Loancare other than XXXX auto-responses acknowledging receipt of our email. I have sent emails each of the last 2 days days that have not been answered. The second one r eceived an auto-reponse identical to the first one that was received. Both my wife and I have also called them several times over the last month, but have received unhelpful service with different answers each time as to when a response can be exp ected. They have repeated time and again that a response can be expected within 10-20 business days, but when we point out in recent calls that it has now been well over 20 business days, t hey have no answer to that, and can not tell me what is going on. We mad e our 60th mortgage payment very early ( a full 4 we eks before the XXXX XXXX due date ) and notified Loancare in writing the very next day, in order to give time for any kink s to be worked out related to our request and for us to be sent an updated bill showing a lower amount with no mortgage insurance due, prior to our next payment due date on XXXX XXXX . But now a full month has passed since our request, nothing has been done, and XXXX XXXX is fast approaching. We have met all requirements as laid out by the FHA and HUD, and have waited more than 30 days with no response or action on removing the mortgage insurance as I understand is required by law. The mortgage insurance needs to be removed, and the billing amount for our XXXX XXXX payment due needs to be updated to reflect that, immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-03
Rehoboth Bch, DE
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Payment was made to previous loan servicer by mistake. A payment of {$1600.00} was electronically made to Loancare and should have been made to XXXX XXXX The loan servicing was transferred to XXXX on XX/XX/XXXX . The payment was sent from XXXX ( XXXX XXXX XXXX XXXX of Maryland ) Loan # XXXX . Amount {$1600.00} 1. I realized I made a mistake a called Loancare on XX/XX/XXXX 2. Emailed Documentation of mistake XX/XX/XXXX 3. Called to inquire on status XX/XX/XXXX -Told me that someone would call from cash office by Wednesday - NO CALL 4. Called XX/XX/XXXX ( 59 minu tes on phone e ) r epresentative spent time researched documentation and making sure cash office had information and details. 5. C alled XX/XX/XXXX explained problem and ( XXXX XXXX ) told me that she would call me back that day - NO CALL 6. Called XX/XX/XXXX told that that I was very upset because no one would check on the status of this issue. Representative said she we have the cash office call me. then hung up! This is a lot of money to me I am concerned that may not have enough money to pay my mortgage this month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-03
Ft Lauderdale, FL
Incorrect information on your report
Mortgage: Conventional home mortgage
Complaint: Below is what I have been dealing with since XXXX XXXX XXXX with the company Loan Care. This is causing me not to be able to close on a home for me and my family in 2 weeks that now might leave us homeless. PLEASE HELP: XXXX XXXX XXXX < >
Loan Care is falsely reporting to my credit report.
Loan Care
You have falsely reported to my credit report that I have been over 30 days late on one of my accounts with you (account # XXXX ) when this was clearly an issue on your end because I have never been late and I have the documentation to prove it.
Back in XXXX XXXX I received a letter from XXXX XXXX that this account has an escrow shortage of XXXX it never said to pay anything different only that I have a shortage of XXXX . So, I paid the XXXX in full on X/XX/17 it shows paid on my XXXXX statement. On my XXXX statement I noticed that the payment is different it now showed XXXXXXX per month so I called on XXXX to Loan Care asking why and they said they are not sure but continue to pay the XXXX and they will have to call me back in 24 48 hours after they have reviewed it the account. Of course I did not get a call back after waiting 4 days so, I called again on XXXX and informed the Loan Care rep of what is going on and he said he will need to transfer me to the escrow department after transferring the phone was disconnected. I waited 2 hours hoping was going get called back but that never happened so AGAIN I called and spoke to XXXX I remember the name because at this point I have had enough with the back and forth. XXXX informed me that he read the notes on my account and has spoken with the escrow department and the problem was that my account was NEVER reevaluated after receiving the escrow shortage payment. I asked XXXX REPEDIATLY I remember exactly 5 times how much do I need to pay and will this be removed off my credit report for being late. XXXX said to me and in an annoyed manner because how much times I asked he said to continue paying the XXXX until Loan Care gets back to you after they review the escrow.
4th call into Loan Care today XXXX and spoke with XXXX and I again went over with XXXX what is going on and that the late payment to my credit report has not been removed. After 40 minutes on the phone with XXXX she figured out what was going on needless to say nothing was done from my prior calls into Loan Care. XXXX was helpful she figured out that my entire payment was not being applied to my loan because I was not paying the correct amount after I rapidity asked XXXX other Loan Care representative what I need to pay and I kept getting the same incorrect response to keep paying the XXXX until my escrow account in done being reviewed and they will tell me my new amount. Finally XXXX gave me the right information and said that my new loan payment is XXXX and that I needed to pay now XXXX now to bring my account current. I paid over the phone with XXXX the XXXX and she said that I will need to e-mail this with my credit report showing where Loan Care has reported me late incorrectly. All this should be noted on my account by XXXX she promised me this would be done.
In summary the late charges that Loan Care needs to be removed off my credit report ASA. If this is not done by the end of next week XXXX I will report this incident to t he Better Business Bureau as I will be forced to because of the mishandling of my account. I have multiple accounts with you and have had issues with others but this one was completely poor customer service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-02
Arvada, CO
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I am trying to get the private mortgage insurance cancelled on my mortgage as we have met the requirements. My mortgage carrier ( LoanCare ) states on their website that a written request must be submitted, which was done through their website program specifically for this request. This was done on XXXX XXXX XXXX . I waited XXXX weeks with no response and followed up on XXXX XXXX XXXX . At that point, I was able to talk to someone in customer service and they stated they never received my request. They continued to submit it over the phone and get my case opened. I waited another XXXX days before following up again. When I called and spoke to them on XXXX XXXX , they told me it was in process and would be completed and I would receive a letter from them by XXXX XXXX giving me the results. After I received no letter, I called back again on XXXX XXXX , and they said it was still open and it was scheduled to be completed by XXXX XXXX . I called on XXXX XXXX to get an update, and they told me they still needed another 10 days because it was a 20 day process. I told them when I started the process, and asked to speak to a supervisor. They input that request into my case and I have yet to hear back from that supervisor, today is XXXX XXXX . I have talked to several people over the past 2 days, they have all told me that they see the request for that manager to call me back and said they are required to call me back " that day ''. After several more calls this morning, and refusing to get off the phone accepting the reply of " my supervisor will call you back '' I talked to a supervisor of some sort and told them I wanted to file a formal complaint on their customer service. They ignored that request and told me that the supervisor I was supposed to be getting a call back from will get to me in the next XXXX hours. In the meantime, I have no choice but to pay for the PMI that I should be able to get cancelled, which is costing me $ XXXX .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-02
Kingstree, SC
Trouble during payment process
Mortgage: FHA mortgage
Complaint: Next Disbursement Due Amount for my county taxes is listed at {$2600.00}. Sent documentation to MyLoanCare on XXXX / XXXX / XXXX to reflect the new amount of {$660.00}. However, the company still has not made the change. I have called to followup every business day since XXXX . I 've been hung up on several times and have asked to talk to a supervisor but never get transferred to one. This amount is making my escrow payment close to {$400.00} per month higher.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-02
NY
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: I received my mortgage through XXXX XXXX in XXXX XXXX . My loan was a FHA Loan at a fixed interest rate. My mortgage included the loan payment plus the taxes. I was told that I was responsible for my insurance. In fact, I was instructed to come to the Closing with proof of my Home Owner 's Insurance. I was told that that is one of the requ irements for the FHA Loan ; I did as instructed. Before the Closing, I spoke with XXXX XXXX , the Loan Manager , about my interest rate of 6 % and asked for it to be reduced ; but, he said he could not reduce it yet. XXXX XXXX promised me that if the mortgage was paid on time f or two ye ars, he would roll me into a lower interest rate based on the fact that the loan was an FHA loan. He used a special term for the process but, I can not remember what it is. He said the loan did not have to be refinanced. Shortly after the Closing, Lend America went out of business. My loan was assigned to Loancare XXXX . I noticed that my payments were gradually increasing. When I contacted Loancare Services to enquire why my payments were increasing, I was told that I did not have Home Owner 's Insurance on the property. I called XXXX XXXX who was my Home Insurance Broker and told the representative and she sent proof to Loancare XXXX to show that I have always had insurance on the property. The representative of XXXX XXXX said she sent the same information five ti mes to Loancare XXXX . However, Loancare XXXX refused to stop the insurance that they had taken out. They kept adding insurance on my mortgage until the amount became too much for me to pay. I kept calling and spoke with several of their Customer Service Representatives w ho did not care and were very rude. In fact, one of the Representative laughed and told me to do whatever I want to. According to the Representative, the insurance I had was not for the same house because the address of the house I insured was located on XXXX , NY XXXX but the correct address is located on XXXX , NY XXXX . I explained to the Representative that during the Closing we were told that in order for us to receive our mails we have to use XXXX , NY because the XXXX Post Office was a small post office with only person working there so they did not deliver mail to my area. The Representatives re fused to listen. After two year s, I also called Loancare XXXX and advised them of XXXX XXXX XXXX promise to me to lower my interest rate if I paid on time for two ye ars. I asked for my interest rate to be lowered but was told that they could not do that. I also called Loancare XXXX and told the Representative that XXXX XXXX XXXX name needs to be removed from the loan and the house because we went to court and the judge ordered that. The Representative said sorry there is nothing she can do about that. I received no assistance at all from Loancare XXXX . Several years ago, I tried to refinance the mortgage. I was given a private person who would not charge as much as the bank. When she reviewed my mortgage, she asked what is " Overage. '' I told her I did not know. She said I was paying a lot of money to " Overage. '' She said she needed to know what I was paying for so she could continue to pay on the new mortgage. When we called Loancare XXXX , the Representative told her, she did not know what was included in " Overage. ' ' That deal fell through. The lady said in the history of her career, she has never seen another mortgage as messed up as mine. I am not sure who my Mortgage Company is because while I was in court with Loancare XXXX , my mortgage statements were being sent to me by XXXX XXXX . About three years ago, one Sunday I went to church and when I returned, my neighbor came to me and said two XXXX men with a XXXX XXXX and XXXX at the side of their heads came to him and asked him if I live in the house. He said he told them, " Yes, I live there with my son. '' But, they tried to convince him that I do not live in the house. The XXXX men asked my neighbor where was I. My neighbor said that he told them that maybe I went to church. They said no, I do not live in the house. Finally, they asked my neighbor to sign a paper saying I live in the house. My neighbor said he felt they were trying to trick him because why would they want him to sign a paper saying I live in the house when they were trying to convince him all long that I do not live in the house. My neighbor refused to sign any thing. XXXX XXXX , the lawyer who is working on my case, gave me a copy of the last letter that was sent to her from the Bank Lawyer. The letter dated XXXX states that they submitted a letter of Entry to the County Clerk on X/X/XX . XXXX XXXX just received the letter XXXX . Why was that information withheld from my lawyer for so long? Recently, I received a letter from a lawyer from down south informing me of a Class Action Suit against Loancare XXXX because of them adding home owner 's insurance on houses where there is insurance already. This seems to be a common pra ctice of Loancare XXXXXXXX .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-01
Syringa, VA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I have a loan with a company calle d Loancare. They have turned me into the credit bureau twice in 6 months due to payments not being posted on time. They have also automatically changed my payment amount due to insurance review even though my insurance company has actually charging less. They dont process the payments when they get them so they are putting late charges on my account when the money is in. I am not the only one out there that they are doing this to. There are many websites of this happening to many others with exactly the same story. I have been on the phone with the m 20 times and they actually have hung up on me many times when they can not answer my questions. My credit score wa s XXXX before they bought my loan and since then it has dropped to XXXX . I want to refinance but since my credit dropped i wont get the 3.5 % interest rate so maybe this is how they keep their customers. Please help. Thank you XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation