LoanCare, LLC

2016-12-27

Brem, WA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

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

Disputed: No Timely Response

2016-12-27

Stantonville, TN

Loan servicing, payments, escrow account

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

Disputed: No Timely Response

2016-12-26

Oxford, GA

Settlement process and costs

Mortgage: FHA mortgage

Complaint: This is an invalid debt due to invalid Lien on Property and debt is paid. XXXX XXXX XXXX transferred this debt while Complaint was filed with the Inspector General here in Georgia and documents showing that XXXX had flied an Fraudulent title removing XXXX XXXX from XXXX illegally and placing themselves in First Lien Position then transferring the Fraudulent debt to LoanCare ( XXXX while still in Court. Forensic Audit as well as XXXX HUD ( XXXX XXXX , Director ) verified that this is an Invalid Lien and ask XXXX not to file Foreclosure Proceedings. XXXX then transferred this fraudulent debt to LoanCare Servicing to pursue an illegal debt and pursuing a wrongful foreclosure while this case is in Litigation with the Courts. I never signed any agreement with XXXX nor LoanCare. Documents upon request
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-12-25

Alpharetta, GA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

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

Disputed: No Timely Response

2016-12-22

Naples, FL

Loan servicing, payments, escrow account

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

Disputed: No Timely Response

2016-12-21

Jonesboro, GA

Loan servicing, payments, escrow account

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

Disputed: Yes Timely Response

2016-12-20

Marysville, WA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

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

Disputed: No Timely Response

2016-12-20

Rochester, NY

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: LoanCare mortgage servicing failed to provide/send updated mortgage servicing information to the stated insurance company despite receiving this information from my previous loan servicing company. Consequently, the homeowner received several bills for the home insurance premium. Furthermore, the home owner has an escrow account with LoanCare with more than enough funds in the account to cover the insurance premium. LoanCare has continuously engaged in egregious customer service practices, which causes the consumer/homeowner unnecessary duress as well as substantial lost of time and in some cases money as the consumer attempts to resolve the issue ( s ) at hand.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-12-20

MD

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: We used to have my mortgage loan with XXXX XXXX mortgaga but around XXXX, our mortgage was transferred to loan care based in XXXX ; Virginia. On XXXX/XXXX/16, they sent us an escrow analysis indicating that I had a shortage of XXXX. The problem is that they could not explain where the shortage was coming from. I still pay close to what I have been paying in the past. My XXXX went down so too did my XXXX My monthly mortgage payment has gone up from XXXX to XXXX showing an increment of about {$260.00}. They paid out XXXX for my XXXX bill ; that was understood but the shortage still could n't be justified. They continued to refer us to our previous mortgage company for any explanation. Also, we were late making our XXXX payment and so we paid it around XXXX XXXX but they reported to the credit bureau that we were late for XXXX instead of the previous month ; XXXX. We paid twice in XXXX. The decreases in our XXXX and XXXX is still not reflected in the total amount that we pay every month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-12-20

FL

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: I live in the state of florida. Hurricane XXXX came across my county on XXXX/XXXX/16. I suffererd wind and water damage. I filed a homewoners Insurance claim. The insurance company paided my claim. Because it was over {$2500.00} the checks was made to me and the loan provider. XXXX c/o Loan Care is my loan provider. Loan care has a loss draft insurance section that handles all claims. I set up a account, overnighted both checks. I have received only food re-imbursement of {$350.00} from {$9.00}, XXXX that was issued to me. I have sent in all required paperwork, including receipts, bank statements and request for assistance from corportate. We have yet to received any written response from the company. The loss draft section I believe is committing fraud by hold non-loan money and documented repairs completion moneys from the homeowner and conducting deceptive business practices by dragging out this process. Every time you you call it is 3 to 5 days, 7 to 10 days. Stories change like the wind. I have numerous documents available to support this claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-12-19

Edenton, NC

Loan servicing, payments, escrow account

Mortgage: Other mortgage

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

Disputed: No Timely Response

2016-12-17

Birds Lndg, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

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

Disputed: No Timely Response

2016-12-17

Tuckasegee, NC

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: On XXXX XXXX I first contacted LoanCareXXXX to request that they take the funds from my escrow account and pay the property taxes in the amount of {$3200.00} immediately. We were in the process of refinancing our mortgage and needed proof that the taxes had been paid. I was told to submit a written request and also to fax the request to their tax department. After hearing nothing for over a week - I called and spoke to a " customer service '' representative who told me to submit everything again since the first contact I had with this company had given me incorrect fax number. I repeated the process on XXXX/XXXX/16. That same day I received a computer generated reply that assigned me a ticket number and which said I should wait five days for a thorough review and research of my inquiry. Again, I heard NOTHING so I called LoanCare and was told on XXXX XXXX, 2016 that a check # XXXX had been sent to XXXX County Tax Department on XXXX XXXX, 2016. After checking both online and by phone I learned that the check had never been received. That same day I sent another written request to LoanCare asking what had happened to the payment. I also called, but no one was able to offer me any explanation. I was told to wait a few days for the tax department to process my payment. On XXXX XXXX - over a month after I started this process - taxes still UNPAID! Ironically, I mailed the XXXX County tax department a check for taxes due on another property we own on XXXX XXXX, 2016 and my personal payment was already posted on XXXX XXXX. I again wrote to LoanCare and requested that someone contact me by the end of business day and told them if I heard nothing I would attempt to file a complaint. Obviously - this matter has yet to be resolved and no one bothered to contact me. I am aware that mortgage lenders keep escrow funds and earn interest on them and wait to the penalty date before paying property taxes. In a situation like this - after numerous requests and dubious information - I am asking for help to resolve this matter. I have found LoanCare to be completely uncooperative and I am extremely relieved to be done with them as my mortgage holder. Our refinance was completed XXXX XXXX, but I still need to resolve WHERE my {$3200.00} escrow money is. On LoanCare 's website it shows that it was removed from my escrow account leaving a balance in the account of {$590.00}. That is what the new mortgage lender also stated and I was told that this money would be mailed to me. Thank you for any help you can provide resolving this matter. XXXX XXXX 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

Disputed: Yes Timely Response

2016-12-16

Haskins, OH

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: Hello, my issue is with XXXX companies that are under XXXX umbrella, Loancare a Division of XXXX, and XXXX. I submitted a complaint to The XXXX but it was later suggested that I submit XXXX to Loancare as well. My problem started in XX/XX/XXXX when I missed a payment. I paid in XX/XX/XXXX and then I quit paying all together in XX/XX/XXXX. I do n't have the exact dates of everything with me, but I submitted it all to the XXXX. I quit paying not because I did n't have the money, but because my XXXX and I was unable to make clear decisions on my own. In XX/XX/XXXX all of the past due balance was in my bank account, and I received a letter stating that I needed to call and make arrangements to pay the balance or my loan would go into foreclosure. I called within a week of receiving that letter and they told me that it had already gone into pre-foreclosure and that I had to wait for someone to contact me. We were then instructed that we should resume the payments as normal, but we had to physically send a check into the office, and we agreed to a Loan Modification. Everything was to remain " as is '' until I got the paperwork, and got it sent back, and then everything that was " late '' was supposed to be removed and fixed. We then started paying the payment out of my husbands account, and from XX/XX/XXXX until we sold the house XX/XX/XXXX there was never a payment missed. Loancare and XXXX are also both reporting at the same time during overlapping months which makes it look like I had two mortgage 's at the time. I also want to say that we went to buy a house through the VA in XX/XX/XXXX, and they were only reporting late payments through XX/XX/XXXX, so we were told to wait until XX/XX/XXXX so we had a year reported with no missed payments, and when we went back in XX/XX/XXXX they were then reporting the foreclosure. This only happened when I sent in my bank account history to show that I was making payments on time from the XX/XX/XXXX through the end of the loan. Either way what they are reporting as a Foreclosure was A loan modification and it should not be reported as foreclosure because no paperwork was filed with the court.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-12-15

MI

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: It is my understanding that an incorrect amount is being withdrawn from my escrow account due to the tax information being incorrect in my file with my mortgage co. Escrow details : Statement dated XX/XX/XXXX lists Taxes and Insurance amount owed as {$260.00}. Statement dated XX/XX/XXXX lists Taxes and Insurance amount owed as {$430.00}. Statement dated XX/XX/XXXX lists Taxes and Insurance amount owed as {$430.00}. Statement dated XX/XX/XXXX lists Taxes and Insurance amount owed as {$430.00}. Statement dated XX/XX/XXXX lists Taxes and Insurance amount owed as {$430.00}. Statement dated XX/XX/XXXX lists Taxes and Insurance amount owed as {$430.00}. Statement dated XX/XX/XXXX lists Taxes and Insurance amount owed as {$430.00}. Statement dated XX/XX/XXXX lists Taxes and Insurance amount owed as {$430.00}. Statement dated XX/XX/XXXX lists Taxes and Insurance amount owed as {$430.00}. Total : {$3700.00} Correspondence : I called customer service in the beginning of XXXX to inquire about my bill and the customer service representative informed me the taxes had been figured incorrectly, but would not be able to be re-evaluated until XXXX XXXX. I called XXXX to discuss the problem and they informed me that my mortgage company was over paying the tax bill for my property. I have sent multiple emails with no response and have spoken with Customer Service more than nine times in the past two months, each time getting a different response. o XX/XX/2016 : I was told this issue would be resolved by XX/XX/2016 and I was not to provide any documentation. o XXXX XXXX XXXX : I inquired and was notified that the issue would be resolved within the next two weeks or XXXX. o XXXX XXXX : I inquired and was told that the issue would not be resolved until the tax department had proof. o XXXX XXXX : I requested the township fax over proof that the correct parcel ID. They faxed the information over the same day I called. o XXXX XXXX, XXXX : I called and was told the issue is still being worked on and that they would push it to their supervisor and make it urgent. o XXXX XXXX XXXX : I called and was told this matter would be resolved by the end of the week. o XXXX XXXX, XXXX : I called and was able to talk to a manager who claimed that she would send an email to another department and that I would get a call as soon as there was a status change. I did not receive a call. o XXXX XXXX XXXX : I called and was told I was being forwarded to the manager and then the call was disconnected after being on hold for two min. o XXXX XXXX XXXX : I called and was told that the matter will be resolved by XXXX XXXX XXXX and that everything including my refund check will be all " roped '' into one issue. I was also told that I was not able to talk to a manager and that I could have a manager call me back. This issue has not yet been resolved. My mortgage payment has increased {$180.00} a month for a total of {$1600.00} collectively over the past 9 months. My account should have been flagged back when the XXXX taxes were paid as the township sent a refund check for over payment back to the mortgage co. This costly mistake was made by my mortgage company and there has been nothing substantial done to remedy the situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-12-15

Liverpool, TX

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

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

Disputed: No Timely Response

2016-12-14

WA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: I had a second mortgage with LoanCare of VA. In XXXX XXXX I made my normal payment at the beginning of XXXX. Then at the end of XXXX I made my payment for XXXX XXXX. Then about four months later I started getting late notices. LoanCare had counted my XXXX XXXX and XXXX XXXX payment as one XXXX payment. I called and they fixed the issue and removed the late fee. They assured my at the time that their error would not so up on my credit report. It showed up on my credit report anyway as a late. The account was never late. I have complained numerous times to them and the credit bureaus but they refuse to fix their mistake.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-12-14

Rochdale, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Error Resolution Notice under 12 C.F.R. 1024.35 Mortgage Loan Number : XXXX I'am writing to request correction of the error described below in regard to the mortgage on my property at XXXX NY XXXX. My servicer was changed without my knowledge, I never received information regarding the change. My payments with my previous servicer was auth drafted monthly from my bank account never any late or delinquencies. I noticed my payment had not come out of my account and I contacted my previous servicer XXXX who informed me my loan was transferred to another servicer and I should wait to receive documentation in the mail. 2 weeks pasted and still no documentation. I again reached out to XXXX end of XXXX to inform them of this and was assured I would not be penalized in way because it takes up to 60 days of the change and I was given the contact number for loan care who I contacted and was told I would receive a package in the mail not to worry they did not have a loan number on file for me because the transfer was still in effect. I finally am able to make payment for XXXX and at that time I set up auto draft from my account. Effective XX/XX/2016 I receive notice the my credit score has dropped more than 80 points and its being reported to the agencies that I am 30 days past due on my mortgage, which I have never been delinquent in any of my credit accounts ever. I made every effort to arrange my payments accordingly and should not be held responsible for the lack of organization and professionalism from the loan servicers to make the needed transfer. My livelihood depends on my credit according to CFPB website consumers are not to penalized for such change when I made my payments on time all to be deducted electronically. I also reached out to my new servicer who was not in any way shape or form helpful with this issue. Your assistance in this matter is greatly appreciated. Please note that this is not a complete list of all possible errors, such as errors regarding your servicer 's failure to provide accurate information. Thank You, XXXX, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-12-12

San Antonio, TX

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Complaint: To say we are frustrated is an understatement and after reading the comments on your site, we are even more frustrated with the company ( Loancare ) that purchased our mortgage. So, I am taking all the emotions out of this letter and putting facts only. Me and my wife were both unemployed, but continued to make our payments ( though they were late, we were never 30 days past due and all late fees were paid ). For our XX/XX/2016 payment ( still behind one month ), I made out a check and mailed it to XXXX ( our servicer at the time and having no idea our mortgage servicer had changed to Loancare ). That evening I told my wife I had sent the payment and she told me it would not be there on time so she immediately did an online payment to XXXX ( posted XX/XX/XXXX as the payment due XX/XX/XXXX ). We stopped payment on the check and contacted XXXX to let them know what we had done. Loancare became our servicer and everything was fine. It appears the check I sent, was posted on XX/XX/XXXX as a Modified Coupon Payment ( this would now appear to make us current, but we were not aware they tried to post the check we told them was no good ). Not knowing this, we made the XX/XX/XXXX payment on XX/XX/XXXX. We setup the automatic payment and it paid the XX/XX/XXXX payment on XX/XX/XXXX. While doing our balance, I noticed our XX/XX/XXXX house payment had not cleared so I contacted Loancare. No disrespect, but the lady was very hard to understand and seemed almost angry that I would contact them since it was " my fault '' for the check. I asked why my automatic payment was stopped without my knowledge and she said it stops automatically when you are behind. This made no sense to me, why would you stop an automatic payment? I tried to explain that we had contacted XXXX about the check, but she would not listen. I immediately made the payment XXXX and after moving other funds around, made a second payment, XX/XX/XXXX ( with late fees ), to make sure we were completely caught up. Though I feel there are a lot of issues here, my main issue is this, our automatic payment would have maintained our account in good standing ... Loancare is the one that stopped it, not us. Since they stopped the automatic payment, it should not affect our late payment pasted 30 days. Also, this was three months after we had contacted XXXX about the stopped payment check. I did send Loancare a request for help on their support email, but to date have not received a response. We have worked very hard to maintain our credit so we are simply asking that the over 30 days late be removed from our credit report. Thank you for any assistance you can give us. Respectively, XXXX and XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-12-11

Sacramento, CA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: I alerted 'LoanCare A XXXX ' to make a payment on my property taxes since I did n't notice the funds being sent to the tax collector on my statement. The payment still has n't been made and I had to pay out of pocket. I gave them a heads up a month before my taxes were due.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-12-10

Washington, DC

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: I had a mortgage with XXXX that originated in 2009. Earlier this year, XX/XX/XXXX, I understand my loan was sold to LoanCare ( a XXXX XXXX XXXX ). When I got notice of this change, I started paying LoanCare per their instructions. I have continued to make my monthly payments to LoanCare, but I have been receiving notice from LoanCare that they have not received my payment and that my mortgage has gone into default. This should be not the case because I have been paying my mortgage and the checks have been clearing my account. I have contacted customer services numerous times but have had no success in resolving the issue. I would like assistance in working with LoanCare to update my account to reflect the fact that I am not in default.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-12-10

Quartzsite, AZ

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: I recently paid off my loan on XXXX/XXXX/2016 due to refinance. I have asked for corrections to be made prior to the loan being paid off which did n't happen. My XXXX/XXXX/2016 payment which was sent on XXXX/XXXX/2016 did n't get credited to the account until XXXX/XXXX/2016. The company provided an updated payoff after the payment posted. I have contacted the service provider several times with no resolution. XXXX/XXXX/2016, XXXX/XXXX/2016, XXXX/XXXX/2016, XXXX/XXXX/2016 ( phone finally reached an individual ) XXXX/XXXX/2016. They have accrued interest in the amount of {$410.00} which should be due back to me, and collected PMI for XXXX 2016 which should not be due. The loan was paid in full on XXXX/XXXX/2016. Please help me obtain resolution on this I 'm at a loss on how to work with this company. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-12-09

San Antonio, TX

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: We sold our home in XX/XX/XXXX. Our payment funded immediately and we should have received a refund check for our escrow account in 30 days. Myloancare.com claims to have sent an escrow refund check to our address and that it has been cashed. We have not received this check since it was supposed to be sent ( XX/XX/XXXX ). Myloancare.com customer service claims the check has been cashed, but will not provide the proof of the cashed check nor who cashed the check. Also Myloancare.com refuses to re-issue a check or make a claim to their bank account about a wrongly cashed check. We have been waiting for several weeks for proof of cashed check with no response. I called last week and they told me a supervisor would call me within XXXX hours and they have not called.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-12-07

FL

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: I live in XXXX XXXX XXXX, Florida. My property taxes are due in XXXX with a discount. Each month not paid the tax bill increases. My taxes were not paid by my Lender. I 've been with them for the last couple of years. They have it documented that the taxes should be paid from my escrow account in XXXX. I '' ve been calling, emailing, and faxing for the last 10 days with no luck. I 'm trying to do an FHA Streamline and this is causing me grief with my closing. My Taxes are DUE And Payable in XXXX. I ca n't get an answer out of anyone at my lender why the taxes are not being paid. As of today, since they are late, I have lost {$33.00} for the XXXX Discount. If not Paid in XXXX, another {$33.00} will be accrued to the payment. And so forth. I do n't understand what the problem is? And if the lender has done this with others, I want this investigated, is there a Solvency problem with our Escrow Accounts??
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-12-07

MD

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: My loan was service transferred from XXXX Mortgage to LoanCare Servicing on XX/XX/2016 ( I was never notified of this service transfer ). I began receiving collections calls from LoanCare in XXXX - I have NEVER paid anything a day late in my life and I knew the mortgage with LoanCare was paid months in advance. I called LoanCare and we were told " sorry you 're delinquent and have to pay. '' After I did a lot of research and digging, I identified that on XX/XX/2016 XXXX applied a payment to principal in error. I called XXXX and spoke with XXXX on XX/XX/2016 who acknowledged their error. At my request, I had XXXX call LoanCare with me on the line to find out how XXXX can get their error corrected since LoanCare is the new servicer. The representative we spoke with indicated for XXXX to email XXXX with a copy of the payment history showing their error for it to be corrected within 72 hours, which she did on XX/XX/XXXX at XXXX. I called LoanCare on XX/XX/XXXX, was told it has n't been fixed yet. Called LoanCare on XX/XX/2016, was told they never received the email, called back on XX/XX/2016 and was hung up on by two different representative because I requested a manager and was told I could n't speak to one and then after 45 minutes on hold was informed that I was on the phone with a supervisor and she would research the issue and call me back - I never received a call back. I then called today and after speaking with another very rude representative, I requested a manager. I specified a manager and was transferred to XXXX who informed me that he was the Customer Service Manager. XXXX in fact is a Collections Team Lead, NOT a Customer Service Manager. XXXX was incredible rude and disrespectful on the telephone to me. After over an hour on the phone ( of which 95 % of that time I was on hold by XXXX ), XXXX disconnected me from the call. I then called back and was put into XXXX 's voicemail in which I informed him that I was filing the CFPB complaint. Later, I received a call back from XXXX, I had to re-send him the information from XXXX and was told that they would try to fix the issue. I am appalled by the level of customer service and the amount of time I have had to spend on the telephone with LoanCare to get a simple payment history error corrected. The evidence of XXXX 's error, from XXXX, has been sent to LoanCare over 3 times now and may payments are still showing delinquent. I am aware of the service transfer laws where I have 60 days until credit report and late fees are assessed, well, that 60 days is up XXXX and my payments are still incorrect. Not only have I wasted my time spending hours on the phone with LoanCare, but I 've been disrespected, talked down to, and hung up on more times than I can count. I have already informed my attorney that to prepare to file a lawsuit if this issue is not resolved as this is unacceptable in my opinion.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response