LoanCare, LLC

2016-08-17

Seattle, 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

2016-08-15

KY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: The mortgage holder XXXX XXXX was due a tax refund in the form of a lower property tax bill, to the amount of XXXX. This was supposed to be refunded to her and the local sheriffs office showed us a canceled check. The check had been cashed by the company that takes care of our escrow account for Loancare.To this day they have not refunded her. Loancare has also paid our property taxes 6 months after it was due, causing the tax bill to jump from {$1500.00} to {$1800.00} because of late charges. We called them on several occasions to remind them of when the property taxes were due. They assured us the property taxes were going to be paid on time. They were NOT paid on time. It was printed in our local newspaper ( publicly humiliating us ) that we had a delinquent tax bill of {$1800.00}. Loancare paid them late and added the extra XXXX in extra late fees onto our house payment stating that our escrow was short. It was short because for the last few years they have not paid the tax bill when it was supposed to be paid. As of this email Loancare refuses to let us talk to anybody in management, They keep saying a supervisor will call and talk to us. This has never happened. My mother and I, co-mortgage holders, would like some help getting this straightened around. Loancare continues their silent treatment. XXXX 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

2016-08-15

Reno, NV

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Complaint: LOANCARE, which is a loan Collection Agency, refuses to cash any and all payments that I send to them on my VA Loan, so they can then foreclose and take over my home.
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

2016-08-10

Waupun, WI

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

2016-08-10

Austin, TX

Loan modification,collection,foreclosure

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

2016-08-08

Wonder Lake, IL

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Complaint: My mortgage broker constantly sells my mortgage. This has been an administrative headache on my end. I refinanced with this mortgage broker, and the buying/selling happened again. I inadveratently sent a payment to one of the preceding companies that had my mortgage and now they wont refund me my XX/XX/XXXX mortgage payment. They keep saying it is being researched and it is in the " cashier '' deparment. I paid them ~ {$2200.00} on XXXX XXXX and it is XXXX XXXX. This has caused a major financial burden as my mortgage payment needed to still be paid for XX/XX/XXXX, and now I am due for XX/XX/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

2016-08-05

Austin, TX

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: We have provided everything and we are being dual tracked. We respectfully request that the CFPB let the lender know that we have provided all of the information and we need the same date removed until the modification process has been completed
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

2016-08-04

Arrowhead Farms, CA

Loan modification,collection,foreclosure

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

2016-08-03

Tarzana, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: I bank with XXXX. They set up an electronic payment to make my mortgage payment to my lender. But they set up wrong information and sent the payment to Loan Care XXXX XXXX XXXX XXXX. I contacted them on XXXX XXXX, 2016 and got a ticket number. I called them on XXXX XXXX, 2016, and the money still had n't been refunded. I sent them all the paperwork from my bank proving that the money went out to them and they are still refusing to refund the money. I do not have any loan with them. Can you please help me?
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

2016-08-01

AZ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: We believe LoanCare is not calculating our monthly payments correctly and are overcharging us. They are overcharging for insurance costs. They also have our escrow monthly payment amount at {$520.00}! In addition to property taxes, they are charging us some fee called " Other Taxes ''. We are unable to determine what this is. We have made numerous attempts to contact this company via phone and email. We have never reached a person via telephone ; we have been on hold, more than once, for over 45 minutes in a loop that says all customers service agents are busy. We then sent an email, which, when finally answered ( email was sent on XX/XX/XXXX and the company responded on XX/XX/XXXX ), was a request for us to FAX our statements in ( I am attaching the aforementioned email ). This does n't make sense to us as they can see our account details and all the respective statements, costs and fees. Once again, the company not doing their due diligence in servicing our loan. Our original loan was sold to this company and thus far we are very frustrated.
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

2016-07-31

Land O Lakes, FL

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

2016-07-29

Chattanooga, TN

Loan modification,collection,foreclosure

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

2016-07-29

Fort Walton Beach, FL

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

2016-07-28

Warrenton, VA

Application, originator, mortgage broker

Mortgage: Other mortgage

Complaint: in XX/XX/XXXX I paid off an old charged off debt made by XXXX and serviced by loancare service center, account XXXX, it continues to show up as an open account with {$31000.00} unpaid, I have not received a statement for over five years.
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

2016-07-27

Irondequoit, NY

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

2016-07-27

Cascade, 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

2016-07-27

Fort Worth, TX

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: We are attempting to save our home. We have have had some hardships. We are currently being DUAL TRACKED. Which as we know is ILLEGAL. DUAL TRACKING is when the mortgage company is considering a modification and at the same time the house is being foreclosed on. This is so stressful. I do not want to lose my home. I do not know who to deal with. The bankruptcy lawyer or the mortgage company. I need to have the foreclosure sale date moved. Move it, stop it, give me some room to breathe and get my life in order. I can not believe that they are doing something that is illegal.
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

2016-07-25

Woodland, WA

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Complaint: Loancare transferred my loan servicing to XXXX XXXX XXXX in XXXX, 2016 and sent me a letter to that effect XXXX XXXX. I made my XXXX payment on XXXX XXXX and can prove it was mailed that date. Now Loancare says my XXXX payment was not received until XXXX XXXX, which made me plus XXXX and I can not now get a refinance.Under the Real Estate Settlement Procedutes Act 12 USC 2601-2617 they can not penalize me for a " late '' payment for 60 days after the loan servicing is transferred. They will do nothing to correct their error.
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

2016-07-23

Deer Park, WA

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

2016-07-19

Chestertown, MD

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

2016-07-19

Discovery Bay, CA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: I received a call from LoanCare LLC, who just assumed my mortgage less than 30 days ago, and they claimed that my debt was overdue. When pressed, she finally relented and said I have 60 days to pay without penalty and then attempt to get my personal financial information in order to avoid incurring fees.
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

2016-07-18

OH

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Ongoing connectivity issues to online mortgage account with LoanCare servicing. I 've been experiencing many problems being unable to access my online mortgage account to download statements and pay my monthly mortgage using online payments. Additionally, when this happens and I place a call to the mortgage servicer I consistently have unusually long ( 30 minutes ) hold times before I can actual speak to someone to attempt to address these issues.
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

2016-07-17

Portage, OH

Loan modification,collection,foreclosure

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

2016-07-14

Warrenton, VA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: Loan Care, A Service Link Company, services our home mortgage. We proactively attempted to negotiate a loan modification that would allow us to stay current on payments until such time that we can sell the property. XXXX of us started new employment that requires relocation to XXXX XXXX Indiana. He is currently employed with in a temporary assignment with the new employer until the relocation can occur. We initially contacted Loan Care on XXXX/XXXX/XXXX seeking a payment reduction and subsequently made our regular payment on XXXX/XXXX/XXXX. The phone call informed us that they would not or could not do anything for us and that failing to make the payment by XXXX/XXXX/XXXX would be reported to the credit agencies. The fact are as follows : Delinquent Notice mailed via USPS dated XXXX/XXXX/XXXX XXXX dated XXXX/XXXX/XXXX notifying us that our loan is in default. Sent via UPS. Phone call to me on XXXX/XXXX/XXXX by XXXX XXXX advising us that our request for Loss Mitigation Options. I was told that we were n't eligible for the program and the case was being closed without consideration. No reason was given for this determination. Letter dated XXXX/XXXX/XXXX sent via USPS notifying us that XXXX XXXX was being assigned as our Mortgage Resolution Advocate. Letter dated XXXX/XXXX/XXXX delivered via UPS. This letter is in response to that package. Following is a list of our contact with LoanCare that was initiated by us, the homeowners : Phone call on XXXX/XXXX/XXXX asking if there was anyone to talk to regarding a payment modification or interest only payment. LoanCare response was " No. There are no options for loan modification. We were instructed to make the payment by the last day of the month or LOanCare would report the delinquency to the credit agencies. '' Full payment in the amount of {$3100.00} was sent on XXXX/XXXX/XXXX. After we received the letter on XXXX/XXXX/XXXX notifying us of the defaulted loan I called again and talked with operator # XXXX who directed us to MyLoanCare.com to get instructions and forms to apply for Loss Mitigation. Multiple times this operator inquired about a " short sale ''. Each time I told her that the house was up for sale but it was not a short sale. In fact, we have significant equity in the property. At this time, I also updated our phone number again. Now, 5 months later, LoanCare has offered proposed modification terms but they are ridiculous. They expect us to make a modified payment by XXXX/XXXX/XXXX after they delayed the whole process by 5 months. Further, LoanCare has acted fraudulently by stipulating in the first paragraph of their letter dated XXXX/XXXX/XXXX that they have tried to contact us to discuss loan foreclosure prevention which is an outright lie. We contacted them 5 months ago! And there has been subsequent communication on a continuous basis. We find these actions be to hostile and damaging to us and LoanCare should not be allowed to execute such processes as they create unnecessary anxiety as well as having caused damage to our credit rating. How can they possibly get away such actions? The have lied outright, failed to respond to our initial query, extended the time to resolve that matter and now they want to put us under totally unnecessary financial strain that could have been resolved 5 months ago in XXXX, XXXX. We would appreciate assistance with this matter considering their actions were in fact fraudulent. How can they possible expect us negotiate in good faith or to accept their offer when they have blatantly lied, and in writing no less. And should we pursue XXXX as also offered we have no confidence LoanCare will act in our interest. We are attaching backup documents for your review. XXXX and 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: No Timely Response

2016-07-13

East Windsor, NJ

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