|
1412042
|
2015-06-09
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Mortgage
|
| Sub Product |
VA mortgage
|
| Date Received |
2015-06-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-06-11
|
| Company Public Response |
Company chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11731936
|
2025-01-23
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-23
|
| Submitted Via |
Web
|
| Company Response |
In progress
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-23
|
|
|
11433454
|
2025-01-08
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Was not notified of investigation status or results
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-08
|
| Submitted Via |
Web
|
| Company Response |
In progress
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-22
|
|
|
11525079
|
2025-01-14
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-14
|
| Submitted Via |
Web
|
| Company Response |
In progress
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-14
|
|
|
11147951
|
2024-12-13
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-13
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11603464
|
2025-01-21
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Mortgage
|
| Sub Issue |
Private mortgage insurance (PMI)
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2025-01-21
|
| Submitted Via |
Web
|
| Company Response |
In progress
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-21
|
|
|
11740592
|
2025-01-25
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Mortgage
|
| Sub Issue |
Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
| Sub Product |
FHA mortgage
|
| Date Received |
2025-01-25
|
| Submitted Via |
Web
|
| Company Response |
In progress
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-25
|
|
|
11068188
|
2024-12-07
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Public record information inaccurate
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-07
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
On XX/XX/year>, LoanCare falsely placed my mortgage into bankruptcy. On XX/XX/year>, at approximately XXXXXXXX XXXX EST, I contacted LoanCare via their customer service phone line. I informed them that I had not filed for personal bankruptcy and was instructed to submit my proof to their legal department. On the same day, at XXXX XXXX I submitted the actual docket, which showed that a company I worked for two years ago had filed for bankruptcy. My name was not included in their bankruptcy filing.
The LoanCare representative provided me with the name of their attorney and advised me to speak with him. On XX/XX/year>, I spoke with XXXX XXXX, an attorney from the law firm XXXX XXXX XXXX, who was handling the case. I explained the error to him, and he requested that I send him the proof. During the call, at XXXXXXXXXXXX XXXX XXXX, I sent him the docket. He assured me that he would address the issue. However, as of the date of this report, he has not corrected the problem.
On XX/XX/year>, LoanCare continued to engage in fraudulent misrepresentation and unfair or deceptive trade practices by changing the mortgage address to a different address. Despite being presented with clear evidence, they have ignored it and appear to be engaging in willful blindness.
|
| Consumer Consent Provided |
Consent provided
|
|
|
11055343
|
2024-12-06
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Mortgage
|
| Sub Issue |
Loan sold or transferred to another company
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2024-12-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-06
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
LoanCare LLC is the loan servicer. I am very near the decision to litigate with them.
I have tried to call, write and use their website to create an account so I can pay my responsibility with no success and they will not help. My loan was sold to them by XXXXXXXX XXXX without my knowledge or consent and now I can not establish a way to pay LoanCare LLC.
Also, I was affected by hurricane Milton, it went directly through my area, and was granted emergency forbearance under federal and local law. This forbearance is not recognized by these guys and they refuse to honor the emergency federal decrees and protections that are afforded to me by law.
Each time I try to communicate with them they are VERY rude, unprofessional and not helpful. Many times they say they are having " technical issues '' and the call disconnects after XXXX min of waiting. They also lie to me and will not share the policies in the company that affect my account negatively. I researched this company and they have YEARS of XXXX star XXXX reviews with other americans that are having the same issues I am having. most of these reviews ( XXXX ) are from the last couple of months so this is an ongoing issue with many other people that are now stuck with this loan servicer.
I would like to request that my loan be returned back to XXXXXXXX XXXX or sold to XXXX XXXX XXXX They both have the systems and company processes in place to properly service loans and follow government regulations and laws.
|
| Consumer Consent Provided |
Consent provided
|
|
|
11192006
|
2024-12-17
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Mortgage
|
| Sub Issue |
Escrow, taxes, or insurance
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2024-12-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-20
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
we closed on our house on XX/XX/year>. we made one payment to XXXX XXXX. Lakeview bought it out and took over loan number XXXX. I thought I paid for an entire year of home insurance when we closed but a year later on XXXX XXXX, XXXX lakeview sends a letter that it was cancelled and we had gone a year without insurance and had to pay a fee or purchase back dated insurance ( which no one does for homeowners ) apparently only banks can do that. We were back charged for home insurance plus purchase a new one. So {$2200.00} was taken out of our escrow. I feel like my payments and escrow are being managed incorrectly.
|
| Consumer Consent Provided |
Consent provided
|
|
|
11087046
|
2024-12-09
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-09
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11253440
|
2024-12-24
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Mortgage
|
| Sub Issue |
An existing modification, forbearance plan, short sale, or other loss mitigation relief
|
| Sub Product |
FHA mortgage
|
| Date Received |
2024-12-24
|
| Submitted Via |
Web
|
| Company Response |
In progress
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-24
|
|
|
11478640
|
2025-01-11
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-22
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB XXXX Codes Sec 1:1003.4 ( a ) ( 2 ) -1FS LEGAL ENTITY IDENTIFIER -CODE1 Conventional Government Sponsored Fannie Mae Loan -CODE 2 Federal Housing Administration Insured ( FHA ) Sec 5:1003.4 ( a ) ( 3 ) -1-6F.S LOAN PURPOSE CODE 1 : Purchase : Forged Deed, Tax and Downpayment Fraud by Lender who uses the second mortgage GSE to bypass all federal regulations -CODE 2 : Improvements : Liens on Tittle prior to purchase have caused damage. and almost a wrongful foreclosure.
XXXX. Sec 8 : 1003.4 ( a ) ( 6 ) OCCUPANCY TYPE CODE XXXX : Principal Residence of XXXX XXXX XXXX and XXXX XXXX XXXX has addressed a threatening letter via email to continue the allegations of XXXX XXXX being a borrower or co-signer.
XXXX. Sec 9 : 1003.4 ( a ) ( XXXX ) F.S LOAN AMOUNT Loan Amount is XXXX.
XXXX. Sec 10.1003.4 ( a ) ( 8 ) FS Codes 1,4,6 ACTION TAKEN CODE XXXX : LOAN ORIGINATED XXXX *Credit Report is Incomplete and Forged Deed has the Action Date XXXX -CODE XXXX : Aplication Withdrawn by Applicant XXXX did not want to continue the aplication and did not signed any binding contract such as Deed, Mortgage, or Trust. Documents on his report were tampered by unauthorized not employed and unlicensed agents XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( i ) FS ACTION TAKEN DATE CODE XXXX : APPLICATION XXXX TAMPERED : XXXX RECORDED : XXXX.
XXXX. Sec XXXX : XXXX ( a ) ( XXXX ) ( XXXX ) XXXX -CODE XXXX : Covered loans or Applications for which the credit did not considered *payments made on the account and funds of escrow provided such as XXXX percent down Borrowers XXXX XXXX XXXX and XXXX XXXX gave XXXX XXXX Mortgage in the amount of XXXX. To obtain XXXX percent XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Currently XXXX year and XXXX months past origination date of loan XXXX the amount showing on credit bureaus after monthly payments of XXXX from XXXX to XXXX which accounts to XXXX months to close year XXXX is XXXX. In addition to the XXXX down payment initial escrow and the unreported credited Tax Proration Debited to Sellers and Credited to Buyers. Total of over XXXX unreported dollars XXXX XXXX XXXX XXXX XXXX who accepted the loan transfer from Primary Residential Mortgage to hide those funds and make a profit from a loan that they willingly and knowingly violated all legal Federal Laws to damage the Borrowers and also did not have mercy on damaging a perfect credit score and disclosed all personal and private information and addressed a threat mailed to the property address to : XXXX XXXX who never lived, or has ever received mail on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX never signed any contract with original lender Primary Residential Mortgage XXXX never signed any contract with Second Mortgage Securing original Lender with XXXX XXXXXXXX XXXX XXXX Payment Assistance XXXX percent down. Known as Fannie Mae.
XXXX never signed a contract with XXXX, XXXX, or Hazard Insurance Citizen ( XXXX XXXX XXXX XXXXXXXX ) *Documents provided on XXXX report generated in response to the main report on disputed Account on his personal XXXX account after he sent by certified mail a letter on XXXX to Validate the dept and the account was reported as accurate and meets the FDCP and FCA and he remarked that he disagreed.
XXXX XXXX CFPB Complaint # XXXX DATE Origination on XX/XX/XXXX XXXX XXXX XXXX Complaint # # XXXX DATE Origibation on XX/XX/XXXX CFPB Style : XXXX is XXXX XXXX XXXX month prior to XXXX XXXX submitting this complaint had complaint and informed CFPB of revision in the reporting and amounts discrepancies of XXXX payoffs issued within XXXX month all dating the month of XXXX and XXXX. False statements provided by the same agents responded the complaint and no further action was taken by CFPB.
-How more obvious can a Fraud be if XXXX year past purchase the account is only XXXX percent paid off?
The documents are clearly tampered such as a blurry image of the XXXX Anual Interest Tax Reported before the end of the Year of XXXX for the lender to obtain on behalf of the Borrowers an additional tax credit for First Time Buyers of XXXX and they have clearly violated all laws of IRS Department of Treasury byXXXX XXXX XXXX FHA Loan is TAX EXEMPT and as Security for XXXX Mortgage the Doc of Intangible and Doc Stamp File is free. Also purchase was on 7 months and 10 days meaning : On the first of XXXX the Tax Proposed was passed for Notices to be received starting on XXXX. Lender was fully aware of Tax to be paid on XXXX was XXXX PRORATION : MONTHLY OF TAX YEAR XXXX : XXXX divided by 12 months is XXXX DAILY OF TAX YEAR XXXX : On XX/XX/XXXX divided by 31 days is XXXX -Sellers had to pay the Property Tax Proration for 7 months and 10 days. XXXX and XXXX XXXX owed to Buyers XXXX dollars for 7 months and XXXX dollars in days TOTAL : XXXX Credited to Buyers - Buyers current owners only had to pay 6 months and 21 days. XXXX XXXX XXXX and XXXX XXXX owed XXXX dollars for 6 months and XXXX dollars in days. TOTAL : XXXX Credited to XXXX Account.
Affordable Housing requires no more than XXXX dollars for compensation of realtor. No more than XXXX dollars for XXXX XXXX, etc. Lender Declaration of IRS VIOLATION is clearly Stated in the Tampered proofs provided on CFPB and is obvious that XXXX Year Later after Borrower paid.
YEAR XXXX DOWN PAYMENT : XXXX - TAX PRORATION : XXXX -FIVE MONTHLY PAYMENT FROM XX/XX/XXXX TO XX/XX/XXXX OF XXXX EQUALS XXXX TOTAL COLLECT Principal, Interest, Escrow ( Tax+Insurance ) XXXX MONTHS-PRINCIPAL XXXX MONTHLY PAYMENT : XXXX XXXX MONTHS OF INTEREST XXXX MONTHLY PAY : XXXX XXXX MONTHS ESCROW XXXX MONTHLY XXXX XXXX MONTHS OF Principal, Inters, Escrow TOTAL XXXX Escrow Account Should Have also been allocated the Funds of Tax Proration and The Down Payment from Buyers funds post no more than XXXX in closing cost as an additional XXXX Downpayment after closing purchase cost : XXXX Plus Credit from Sellers to Buyers for Tax : XXXX XXXX End Of The Year Total XXXX plus XXXX paid to Escrow is XXXX MINUS PROPERTY TAX : XXXX MINUS CITIZEN INSURANCE : XXXX BECAUSE PROPERTY INSURANCE IS PAID ON XXXX MINUS XXXX XXXX XXXX : XXXX MINUS MORTGAGE INSUR : XXXX XXXX IS ILLEGAL UNDER A FEDERAL ASSISTANCE TOTAL DISBURSED ESCROW : XXXX MINUS XXXX IS : XXXX -TOTAL ESCROW BEGINNING XXXX OF THIS YEAR IS SHOWING THAT ON XXXX THE XXXX PLUS 3 MONTHS OF XXXX ILLEGAL MORTGAGE INSURANCE TOTAL OF XXXX EQUAL TO DISBURSEMENT AMOUNT OF XXXX SUBTRACTED FROM THE SUM OF 2 MONTHS OF ESCROW XXXX THAT IS XXXX MINUS THE ESCROW FUNDS HELD OF XXXX THAT EQUALS TO A DEPOSIT OF XXXX NEVER EVEN CLOSE TO THE XXXX DOWNPAYMENT PLUS THE CREDIT OF TAX. Mortgage Documents say the XXXX mortgage was : XXXX XXXX XXXX XXXX XXXX XXXX mortgage was : XXXX Original Dept was : XXXX *THE CREDIT REPORTS ON ALL BORROWERS ANDTHE VICTIMIZED NON BORROWER AND NON RESIDENT National Banks Tax Fraud on Real XXXX XXXX XXXX XXXX is XXXX XXXX and I am representing the Principal on behalf of XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX CFPB Reports for XXXX XXXX XXXX XXXX CFPB Reports for XXXX XXXX # XXXX CFPB XXXX Codes Sec XXXX ( a ) ( XXXX ) XXXX LEGAL ENTITY IDENTIFIER XXXX Conventional Government Sponsored XXXX XXXX Loan -CODE XXXX Federal Housing XXXX XXXX XXXX FHA XXXX Sec XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX LOAN PURPOSE CODE XXXX : Purchase : Forged Deed, Tax and Downpayment Fraud by Lender who uses the second mortgage GSE to bypass all federal regulations -CODE XXXX : XXXX : Liens on XXXX prior to purchase have caused damage. and almost a wrongful foreclosure.
XXXX. Sec XXXX : XXXX ( a ) ( XXXX ) OCCUPANCY TYPE CODE XXXX : Principal Residence of XXXX XXXX XXXX and XXXX XXXX XXXX has addressed a threatening letter via email to continue the allegations of XXXX XXXX being a borrower or co-signer.
XXXX. Sec XXXX : XXXX ( a ) ( XXXX ) F.S LOAN AMOUNT Loan Amount is XXXX.
XXXX. Sec XXXX ( a ) ( XXXX ) FS Codes XXXX ACTION TAKEN CODE XXXX : LOAN ORIGINATED XXXX *Credit Report is Incomplete and Forged Deed has the Action Date XXXX -CODE XXXX : Aplication Withdrawn by Applicant XXXX did not XXXX to continue the aplication and did not signed any binding contract such as Deed, Mortgage, or Trust. Documents on his report were tampered by unauthorized not employed and unlicensed agents XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( i ) FS ACTION TAKEN DATE CODE XXXX : APPLICATION XXXX TAMPERED : XXXX RECORDED : XXXX.
XXXX. Sec XXXX : XXXX ( a ) ( XXXX ) ( XXXX ) XXXX -CODE XXXX : Covered loans or Applications for which the credit did not considered *payments made on the account and funds of escrow provided such as XXXX percent down Borrowers XXXX XXXX XXXX and XXXX XXXX gave XXXX XXXX Mortgage in the amount of XXXX. To obtain XXXX percent XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Currently XXXX year and XXXX months past origination date of loan XXXX the amount showing on credit bureaus after monthly payments of XXXX from XXXX to XXXX which accounts to XXXX months to close year XXXX is XXXX. In addition to the XXXX down payment initial escrow and the unreported credited Tax Proration Debited to Sellers and Credited to Buyers. Total of over XXXX unreported dollars XXXX XXXX XXXX XXXX XXXX who accepted the loan transfer from Primary Residential Mortgage to hide those funds and make a profit from a loan that they willingly and knowingly violated all legal Federal Laws to damage the Borrowers and also did not have mercy on damaging a perfect XXXX XXXX and disclosed all personal and private information and addressed a threat mailed to the property address to : XXXX XXXX who never lived, or has ever received mail on XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX.
XXXX never signed any contract with original lender Primary Residential Mortgage XXXX never signed any contract with Second Mortgage Securing original Lender with XXXX XXXXXXXX XXXX XXXX Payment Assistance XXXX percent down. Known as XXXX XXXX.
XXXX never signed a contract with XXXX, XXXX, or Hazard Insurance Citizen ( Accord or XXXX XXXX ) *Documents provided on XXXX report generated in response to the main report on disputed Account on his personal experian account after he sent by certified mail a letter on XXXX to Validate the dept and the account was reported as accurate and meets the FDCP and FCA and he remarked that he disagreed.
XXXX XXXX CFPB Complaint # XXXX DATE Origination on XX/XX/XXXX XXXX XXXX XXXX Complaint # # XXXX DATE Origibation on XX/XX/XXXX CFPB Style : XXXX is XXXX -Lismey XXXX month prior to XXXX XXXX submitting this complaint had complaint and XXXX CFPB of revision in the reporting and XXXX discrepancies of XXXX payoffs issued within XXXX month all dating the month of XXXX and XXXX. False statements provided by the same agents responded the complaint and no further action was taken by CFPB.
-How more obvious can a XXXX be if XXXX year past purchase the account is only XXXX percent paid off?
The documents are clearly tampered such as a blurry image of the XXXX Anual Interest Tax Reported before the end of the Year of XXXX for the lender to obtain on behalf of the Borrowers an additional tax credit for First Time Buyers of XXXX and they have clearly violated all laws of IRS Department of Treasury by. XXXX XXXX FHA Loan is TAX EXEMPT and as Security for XXXX Mortgage the Doc of Intangible and Doc Stamp File is free. Also purchase was on 7 months and 10 days meaning : On the first of XXXX the Tax Proposed was passed for Notices to be received starting on XXXX. Lender was fully aware of Tax to be paid on XXXX was XXXX PRORATION : MONTHLY OF TAX YEAR XXXX : XXXX divided by 12 months is XXXX DAILY OF TAX YEAR XXXX : On XX/XX/XXXX divided by 31 days is XXXX -Sellers had to pay the Property Tax Proration for 7 months and 10 days. XXXX and XXXX XXXX owed to Buyers XXXX dollars for 7 months and XXXX dollars in days TOTAL : XXXX Credited to Buyers - Buyers current owners only had to pay 6 months and 21 days. XXXX XXXX XXXX and XXXX XXXX owed XXXX dollars for 6 months and XXXX dollars in days. TOTAL : XXXX Credited to XXXX Account.
Affordable Housing requires no more than XXXX dollars for compensation of realtor. No more than XXXX dollars for XXXX XXXX, etc. Lender Declaration of IRS VIOLATION is clearly Stated in the Tampered proofs provided on CFPB and is obvious that XXXX Year Later after Borrower paid.
YEAR XXXX DOWN PAYMENT : XXXX - TAX PRORATION : XXXX -FIVE MONTHLY PAYMENT FROM XX/XX/XXXX TO XX/XX/XXXX OF XXXX EQUALS XXXX TOTAL COLLECT Principal, Interest, Escrow ( Tax+Insurance ) XXXX MONTHS-PRINCIPAL XXXX MONTHLY PAYMENT : XXXX XXXX MONTHS OF INTEREST XXXX MONTHLY PAY : XXXX XXXX MONTHS ESCROW XXXX MONTHLY XXXX XXXX MONTHS OF Principal, Inters, Escrow TOTAL XXXX Escrow Account Should Have also been allocated the Funds of Tax Proration and The Down Payment from Buyers funds post no more than XXXX in closing cost as an additional XXXX Downpayment after closing purchase cost : XXXX Plus Credit from Sellers to Buyers for Tax : XXXX XXXX End Of The Year Total XXXX plus XXXX paid to Escrow is XXXX MINUS PROPERTY TAX : XXXX MINUS CITIZEN INSURANCE : XXXX BECAUSE PROPERTY INSURANCE IS PAID ON XXXX MINUS XXXX XXXX XXXX : XXXX MINUS MORTGAGE INSUR : XXXX XXXX IS ILLEGAL UNDER A FEDERAL ASSISTANCE TOTAL DISBURSED ESCROW : XXXX MINUS XXXX IS : XXXX -TOTAL ESCROW BEGINNING XXXX OF THIS YEAR IS SHOWING THAT ON XXXX THE XXXX PLUS 3 MONTHS OF XXXX ILLEGAL MORTGAGE INSURANCE TOTAL OF XXXX EQUAL TO DISBURSEMENT AMOUNT OF XXXX SUBTRACTED FROM THE SUM OF 2 MONTHS OF ESCROW XXXX THAT IS XXXX MINUS THE ESCROW FUNDS HELD OF XXXX THAT EQUALS TO A DEPOSIT OF XXXX NEVER EVEN CLOSE TO THE XXXX DOWNPAYMENT PLUS THE CREDIT OF TAX. Mortgage Documents say the XXXX mortgage was : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX mortgage was : XXXX - -Original Dept was : XXXX *THE CREDIT REPORTS ON ALL BORROWERS AND THE VICTIMIZED NON BORROWER AND NON RESIDENT OF THE PROPERTY XXXX XXXX CONFIRM INITIAL LOAN XXXX XXXX XXXX BUT ONLY XXXX PERCENT OF THIS LOAN HAS BEEN PAID AFTER XXXX MONTHS THAT BREAK DOWN INTO XXXX MONTHS XXXX THAT IS : XXXX XXXX MONTHS XXXX THAT IS : XXXX TOTAL PAID TO DATE MONTHLY PAYMENT : XXXX NOTE : THE XXXX MONTHS XXXX WRONG OF : XXXX IS A MISTAKE IN YOUR END OF THE YEAR XXXX ANUAL ESCROW STATEMENT. XXXX End of The Year XXXX PLUS XXXX TOTAL XXXX PLUS XXXX ESCROW FUNDS BALANCE AFTER TAX DEDUCTION XXXX TOTAL AMOUNT OF LOAN PAID BY MY OVER ASSESSED BORROWER TOTAL XXXX DEDUCT YOUR PRINCIPAL OF XXXX PRINCIPAL DECLARED : XXXX DEDUCT YPUR PRINCIPAL OF XXXX MONTHS XXXX PRINCIPAL : XXXX DEDUCT YOUR INTEREST OF XXXX INTEREST DECLARED : XXXX DEDUCT XXXX CITIZEN INSURANCE XXXX DEDUCT XXXX CITIZEN INSURANCE PRORATION XXXX MONTHLY XXXX MONTH IS XXXX DEDUCT XXXX AND XXXX CITIZEN XXXX ANUAL PAYMENT THAT IS XXXX TOTAL TO DEDUCT IS XXXX TOTAL AMOUNT OWED ON THIS DAY XX/XX/XXXX IS XXXX FOR A TOTAL OF TOTAL OWED : XXXX ADJUST THE XXXX : XXXX TOTAL OWED IS : XXXX or Credit my Tax Return of XXXX you claimed on my behalf while breaching several laws and we end up in the same number. OF THE PROPERTY XXXX XXXX CONFIRM INITIAL LOAN AMOUNT OD XXXX BUT ONLY XXXX PERCENT OF THIS LOAN HAS BEEN PAID AFTER XXXX MONTHS THAT BREAK DOWN INTO XXXX MONTHS XXXX THAT IS : XXXX 12 MONTHS XXXX THAT IS : XXXX TOTAL PAID TO DATE MONTHLY PAYMENT : XXXX NOTE : THE 12 MONTHS XXXX WRONG OF : XXXX IS A MISTAKE IN YOUR END OF THE YEAR XXXX ANUAL ESCROW STATEMENT. XXXX End of The Year XXXX PLUS XXXX TOTAL XXXX PLUS XXXX ESCROW FUNDS BALANCE AFTER TAX DEDUCTION XXXX TOTAL AMOUNT OF LOAN PAID BY MY OVER ASSESSED BORROWER TOTAL XXXX DEDUCT YOUR PRINCIPAL OF XXXX PRINCIPAL DECLARED : XXXX DEDUCT YPUR PRINCIPAL OF 12 MONTHS XXXX PRINCIPAL : XXXX DEDUCT YOUR INTEREST OF XXXX INTEREST DECLARED : XXXX DEDUCT XXXX CITIZEN INSURANCE XXXX DEDUCT XXXX CITIZEN INSURANCE PRORATION XXXX MONTHLY 5 MONTH IS XXXX DEDUCT XXXX AND XXXX CITIZEN XXXX ANUAL PAYMENT THAT IS XXXX TOTAL TO DEDUCT IS XXXX TOTAL AMOUNT OWED ON THIS DAY XX/XX/XXXX IS XXXX FOR A TOTAL OF TOTAL OWED : XXXX ADJUST THE XXXX : XXXX TOTAL OWED IS : XXXX or Credit my Tax Return of XXXX you claimed on my behalf while breaching several laws and we end up in the same number.
-Document XXXX -Folder XXXX -Client Bayview Loan Servicing LLC XXXX XXXX XXXX XXXX Type XXXX -Document Type Security Instrument ( Copy ) -Loan Number XXXX -Client Reference XXXX -Borrower XXXX XXXX XXXX XXXX Amount {$16000.00} XXXX XXXX, FL XXXX Address XXXX XXXX XXXX XXXX -Organization Primary Residential Mortgage XXXX XXXX.
-Closing Date XX/XX/XXXX -Trigger Date XX/XX/XXXX -Received Date XX/XX/XXXX -Investor Florida HFA Seconds -Client XXXX XXXX -Security Instrument ( Copy ) XXXX XXXX Number XXXX
-Original XXXX was XXXX XXXX XXXX XXXX
-Lakeview XXXX XXXX XXXX XXXX the mortgage filed under MERS with a Florida XXXX XXXX Assistance XXXX the mortgage.
-I am requesting all the creditor/debtor informationI.Name and Address of XXXX XXXX : XXXX. Name on XXXX of XXXX XXXX : XXXX. Alleged Account # XXXX. Address on XXXX for XXXX XXXX : _ XXXX. Amount of alleged debt : XXXX. Date that this alleged debt became payable : _ XXXX of original charge : XXXX. Was this debt assigned to debt collector or purchased?
XXXX. XXXX paid if debt was purchased : XXXX. Commission for debt collector if collection efforts are successful : XXXX. Please attach a copy of the agreement with your client that grants you the authority to collect this alleged debt. Also, please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector XXXX. Please attach a copy of any agreement that bears the signature of debtor, wherein XXXX agreed to pay creditor.
Please attach copies of all statements while this account was open.
XXXX. Have any insurance claims been made by any creditor regarding this account? Y /N Have any judgments been obtained by any creditor regarding this account? XXXX XXXX XXXX. Please provide the name and address of the bonding agent for the collector, in case legal action becomes necessary : XXXX. Authorized Signature For Creditor
|
| Consumer Consent Provided |
Consent provided
|
|
|
3611248
|
2020-04-17
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Mortgage
|
| Sub Product |
VA mortgage
|
| Date Received |
2020-04-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-04-21
|
| Complaint What Happened |
Hi, I refinanced a loan I had with Loancare a Service Link company of XXXX XXXX, VA. and went to a different company when I refinanced the loan on XX/XX/XXXX.
I requested on XX/XX/XXXX a refund of my loan XXXX as Loancare was paid on XX/XX/XXXX. This was not enough time for the autodraft with XXXX XXXX XXXX to stop the autodraft. I called Loancare on XX/XX/XXXX requesting a refund. I was informed to reach out to their research dept. I was given a reference # XXXX. In my initial letter I took a screen shot of the amount taken from my account. I was informed by XXXX on XX/XX/XXXX that it would take 7 to 10 business days to receive the overpayment/refund. On XXXX I contacted Loan care. I spoke to XXXX. XXXX informed me she would expedite the case on XX/XX/XXXX today I reached out again to check the status of the refund, I was informed by the supervisor, XXXX in XXXX, the refund is being delayed because I did not have the tracing number. The screen shot was not sufficient. This has caused a significant delay. I was only told the tracing number would be needed today. Not previously. I explained that I am not working. I asked XXXX if any other information would be needed to receive my refund and was told the tracing and loan number. I informed the supervisor I would be filing a formal complaint as I should have been told this from the beginning. She did apologize.. None the less I will need to wait several weeks more to get the refund back and the loan was paid off on XX/XX/XXXX. I would be appreciative if you could assist in expediting my refund.
Thank you Very truly yours, XXXX XXXX XXXX XXXX number with XXXX is XXXX My Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX of checking XXXX ACH transaction
|
| Consumer Consent Provided |
Consent provided
|
|
|
11220878
|
2024-12-20
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Mortgage
|
| Sub Issue |
Trying to communicate with the company to fix an issue while managing or servicing your loan
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2024-12-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-20
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I am writing to express my concerns regarding the user experience on the payment portal, XXXX XXXX XXXX Each time I attempt to log in to pay my mortgage, I am redirected to XXXX XXXX XXXX XXXX XXXX This requires several clicks to navigate back to LoanCare, adding unnecessary steps to what should be a straightforward process.
These intrusive ads are not only distracting but also present an additional burden when attempting to pay my mortgage. I have no intention of refinancing at this time and find the inability to opt-out of these advertisements particularly frustrating.
I reached out to LoanCare customer support and was informed that there is currently no option to disable the forced advertising content. I urge LoanCare to reconsider this approach and offer a more user-friendly experience for their customers.
CFPB : XXXX XXXX XXXX XXXX XXXX provide any guidelines applicable to this situation? It is anti-consumer to have intrusive advertisements in the process of paying a mortgage.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10949854
|
2024-11-27
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Mortgage
|
| Sub Issue |
Fees charged
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2024-11-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-27
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8172445
|
2024-01-14
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Mortgage debt
|
| Date Received |
2024-01-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-14
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
NOTICE TO AGENT IS NOTICE TO PRINCIPLE AND NOTICE TO PRINCIPLE IS NOTICE TO AGENT. NOTICE OF REJECTION, REVOCATION AND TERMINATION OF ALL SECURITY INTEREST. This letter shall be considered lawful notice that I hereby REJECT, REVOKE and TERMINATE of all security interest to you. I am now doing the recession of the security interest that I gave you. I am doing a recession of you being able to keep my proceeds from the security. I am taking back the security interest that I gave you in this contract and the proceeds that you are receiving off of my contract. This correspondence is to request all certified copies and/or copies of all bonds, securities, assets, and contracts being used to leverage or involved in the beforementioned ( loans/mortgage/promissory ) numbers. Please be timely with your response to the Regulation Z and Federal-Truth-In-Lending Act guidelines. LOANCARE , LLC on behalf of XXXX XXXX XXXX XXXX XXXX multiple violations of Federal Debt Collection Practices Act ( FDC PA ), violations of UCC 3-501, Violation of Privacy and Gramm-Leach-Bliley Act, fraud, aggravated identity theft, Identity theft, extortion, theft by deception, mail fraud, Slandering, Libel, Securities and Exchange Commission ( SEC ) and General Accepted Accounting Principles ( GAAP ) fraud. negligent and willful noncompliance with the law. UCC 3-501 also requires servicer to show authority to make demand for payments, if it does not own the note, but is merely servicing it. In the event a note holder or servicer or will not exhibit the note or perform other legal requirements when requested to do so by the borrower, this UCC section allows the borrower to discontinue payments WITHOUT DISHONOR until such time as the note holder or servicer complies with all laws or contract provisions. This letter shall be considered lawful notice that LOANCARE , LLC on behalf of XXXX XXXX. All prior Powers of Attorney, all other prior presumed or granted Executorships, Trust, MERS and Agency relationships are terminated. I hereby invoke all of the protection guaranteed to me under all Titles, Codes, Statutes and/or laws, the Florida Constitution and the Constitution for these United States XXXX LOANCARE , LLC on behalf of XXXX XXXX XXXX XXXX XXXX willful noncompliance with the law, Civil liability. Criminal liability for willful and knowing violation.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10703365
|
2024-11-07
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
No
|
| Company |
LoanCare, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-11-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-07
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10927105
|
2024-11-25
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Mortgage
|
| Sub Issue |
Loan sold or transferred to another company
|
| Sub Product |
FHA mortgage
|
| Date Received |
2024-11-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-25
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10735861
|
2024-11-08
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Mortgage
|
| Sub Issue |
Escrow, taxes, or insurance
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2024-11-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-08
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Good afternoon, On XX/XX/XXXX I received a letter in the mail dated XX/XX/XXXX and in this letter it stated I have until XX/XX/XXXX to purchase XXXX insurance or it will be purchased for me. That gave me less than XXXX hours to get insurance before they purchase it for me.
Then on XX/XX/XXXX they purchased the XXXX insurance and restructured my loan to pay off this flood insurance and it made my loan payment go up.
I sent over a XXXX document stating my building is exempt from XXXX insurance.
They have not processed this letter and have continued to purchase more XXXX insurance from my Escrow.
I need this XXXX letter reviewed and I need all of the money taken from my Escrow account for insurance that was not needed to be put back into my Escrow account.
I want my loan amount adjusted back to the amount before the increase and I want my mortgage payment to go back down to the amount it was before.
This company and its practices are very questionable and unscrupulous. For them to not give any time to respond or show proof that this insurance is not required and to go ahead and purchase insurance out of someone's escrow account is criminal.
This needs to be fixed asap.
Thank you, XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
10817972
|
2024-11-15
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Mortgage
|
| Sub Issue |
Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2024-11-15
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-19
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
7946779
|
2023-12-04
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Mortgage
|
| Sub Issue |
Escrow, taxes, or insurance
|
| Sub Product |
FHA mortgage
|
| Date Received |
2023-12-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-04
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
To whom this may concern. I am writing a complaint in regards to loan care/Lakeview loan servicing. I have recently made updates to my insurance policy as of XX/XX/2023, which I have updated online for their request. It took them many days to even update the information. We told them that we paid for insurance out of pocket. Almost XXXX weeks later now we have found out that we are were not supposed to pay for our insurance out-of-pocket due to the type of loan we have.
However, we have spoke to many people at loan care, but never told us this information.
This is now causing a shortage in our escrow account from them paying the new insurance company {$1700.00} which we already paid!!!
We have a surplus of money in our escrow account from changing insurance companies and we were requesting an escrow analysis of our account. Which has yet to be done XXXX weeks in. We are owed money from loan care, and we are owed money from our previous insurance and now current insurance company due to loan cares mistake. Its now XXXX and nothing has been done.
We would like loan care to fix their mistakes and to do the escrow Analysis as they told us they were going to do. They said it only took XXXX to XXXX business days and now we are almost XXXX weeks in waiting on this information. please who do we need to talk to you to get this done? We are owed a refund and we would like this taken care of before the end of the year.
Thank you
|
| Consumer Consent Provided |
Consent provided
|
|
|
10970251
|
2024-11-29
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Mortgage
|
| Sub Issue |
Payment process
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2024-11-29
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-29
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
2388192
|
2017-03-15
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Mortgage
|
| Sub Product |
VA mortgage
|
| Date Received |
2017-03-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2017-03-15
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
This is in reference to complaint # XXXX that you do not allow the complainant to update information. I just received a collection call on my account that the company stated they would put on hold prohibiting any collection calls. The last person at LoanCare explained that when the IRRRL was processed, my escrow of $ XXXX was merged into the payoff. That is why my monthly payment was too high because my escrow is showing a negative balance, and now I am paying interest on the escrow amount added to the refinanced principal. PLEASE follow up and contact the company to stop the collection calls. In addition, this has been going on for over two months and no contact from the company. I am forced to constantly call them.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6889423
|
2023-04-25
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2023-04-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-25
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
We were approved for the Florida Homeowner 's Assistance Fund program. The program is paying for our mortgage payments between XX/XX/XXXX- XX/XX/XXXX. I can see in the online portal that the XXXX payment has been received, but it is sitting in unapplied funds and not applied to our loan. We are receiving letters stating that we are two months behind on our mortgage, even though the funds are just sitting there. Whenever I call, I am told that the problem will be corrected and our account will be brought to good-standing, but it has not been resolved after multiple attempts. Now our escrow account is a mess because XXXX XXXX is doing an escrow advance to cover our PMI payments, since the escrow funds from our mortgage payment are just sitting there and not being sent to the escrow account. Please help us fix this error.
Also, as of today XX/XX/XXXX, XXXX XXXX is stating that they have not received the XXXX payment from the Homeowners Assistance Fund. HAF confirms that they mailed the payment on the XXXX, as they always do.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7123127
|
2023-06-15
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Mortgage
|
| Sub Product |
Reverse mortgage
|
| Date Received |
2023-06-15
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-15
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
6692567
|
2023-03-14
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-03-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-14
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
In XXXX I my mortgage was approved for forbearance. At the time my XXXX payment had not been paid. I was told over the phone by an employee of LoanCare that once I submit my XXXX payment that my account would be current and would no longer report PAST DUE. On XXXX XXXX I made my mortgage payment which I then believed brought my account to current as I was previously told. My loan was in forbearance from XXXX. This company reported my loan as past due for every month my loan was in forbearance even after me bringing it current. I have reached out to them countless times and they still have no resolution for me. The last letter I sent out was XX/XX/XXXX. This is affecting my life in a negative way. This is inaccurate information.According to the Fair Credit Reporting Act, Section 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) of the FCRA- you are required to promptly report the credit obligation or account as current if the furnisher makes an accommodation ; such accommodations defined as " an agreement to defer 1 or more payments or forbear any delinquent amounts. With that being said I demand all late payments reporting from XXXX XXXX this account to paid as agreed, never late and the account report as current.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6787730
|
2023-04-03
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Mortgage debt
|
| Date Received |
2023-04-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-03
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Notice and Demand to Cease and Desist ALL Collection Activities Prior to Validation of Purported Debt, FRAUD!
RE : XXXX XXXX XXXX, XXXX XXXX, YOUR NEW LOAN NUMBER : XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX, Your Servicing Transfer and LoanCare , LLC on behalf of XXXX XXXX XXXX XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT ATTENTION : Title President XXXX XXXX XXXX and LoanCare , LLC on behalf of XXXX XXXX XXXX XXXX XXXX FRAUD! I DO NOT CONSENT! Cruden v. Neale 2, N.C 338 ( 1796 ) 2SE REFUSED FOR CAUSE WITHOUT DISHONOR UCC 3-501 2-207 ( 2 ) ( C ) I feel this matter is serious and wish to deal within in writing. I do not give you permission to contact me by telephone. I will be logging the dates and times of your calls and messages. I must warn you that they will know constitute harassment and I may take action under Section 1 of the Protection from Harassment Act 1997.
I confirm that I have received a written communication from you dated XX/XX/XXXX wherein you make reference to the above captioned matter. It is apparent that you are acting on the presumption that we had a contract or agreement. I am unaware of this contract or agreement between LoanCare , LLC on behalf of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I dont understand how to respond to you in as much as I am unaware of any contract relationship between us. This account fraudulently opened in our names with LoanCare , LLC on behalf of XXXX XXXX XXXX XXXX XXXX are debt collectors Under the FDCPA. A debt collector does not have the right to communicate without a prior written consent period. XXXX5 U.S. Code 1692e - False or misleading representations and multiple violations of Federal Debt Collection Practices Act ( FDC PA ).
The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 15 U.S. Code 1692 B ( 2 ) not state that such consumer owes any debt ;. 15 U.S. Code 1692 A 5. 15 U.S. Code 1692d. Harassment or abuse. Title 8 USC 809. Validation of debts [ 15 USC 1692g ]. A debt collector does not have the right to communicate without a prior written consent period. FDCPA VIOLATIONS, my CONSUMER RIGHTS TO PRIVACY and multiple VIOLATIONS of FDCPA state and Federal laws, fraud, aggravated identity theft, extortion, theft by deception, intentional act of fraud and GROSS MISREPRESENTATION. LoanCare , LLC on behalf of XXXX XXXX XXXX XXXX XXXX is attempting to collect a debt on the basis of fraud!
As a courtesy I will entertain this presentment by demanding you to validate the alleged debt within thirty ( 30 ) days of the date of this Notice. Failure to properly respond and continue with collections activities will be follow up with my FTC, CFPB complaint, fee schedule, and lawsuit. This is NOT a request for statement/agreement, fraudulent copies from XXXXXXXX XXXX XXXX and is not to be treated as one.
Please provide all the requested documentation requirements on the Notice and Demand to Cease and Desist Collection Activities Prior to Validation of Purported Debt for account # XXXX.
1. This is an attempt to validate a debt, against LoanCare , LLC on behalf of XXXX XXXX XXXX XXXX XXXX the parties of which collectively be known as a debt collector, under the Federal Debt Collection Practices Act ( hereinafter FDC PA ). I am exercising my legal right to validate a debt that this agency claim is owed.
2. This response is not a refusal to pay, this is my conditional acceptance pursuant to conditions being met as required by the Fair Debt Collection Practices Act ( hereinafter FDCPA ), 15 USC 1692g sec. 809 ( b ), and other applicable laws. I accept this claim, contingent upon the debt collection ( s ) providing verifications and validation as follow : A ). I demand you to provide verification of the claim that this account number # XXXX, is not paid in full. I have seen no evidence to support any allegations to this contrary, and I believe no such evidence exists.
B ). I demand proof of claim that LoanCare , LLC on behalf of XXXX XXXX XXXX XXXX XXXX is the original holder in due course or the proper and valid assignee of the alleged obligatory instrument on account of account # XXXX. Your proof must include the evidentiary requirements of section ( a ) and ( b ). To provide proof you must exhibit an original, or a genuine instrument in accordance with the UCC inter alia, Florida Law, 3-501 ( B ) ( 12 ), and any local applicable laws, inclusive of the genuine original promissory note and genuine original allonge ( s ) Showing chain of title, and the official accountant ledger.
C ). To provide proof you must exhibit an authoritative copy of the Obligatory instrument or Record, Timed and date stamped, which identifies LoanCare , LLC on behalf of XXXX XXXX XXXX XXXX XXXX as the assignee of the alleged secure party as the assignees of the record or records. To be valid, copies or revisions that add or change the assignee of the authoritative copy can be made only with the participation of the secured party pursuing you UCC 9-105.
3. I demand proof that the account number # XXXX does not reflect a XXXX XXXX XXXX ) balance. I have seen no proof to support your allegation and I believe no such proof exists.
4. Upon providing documentary evidence which challenges the authentic statement of accounting annexed hereto, then demand is placed upon you to provide a complete financial audit and accounting of account # XXXX to show all ledgering ( credit and debit ) resulting in the incrementing balance, pursuant UCC 9-210. The audit and accounting shall be conducted in accordance with the generally accepted government auditing standards, the comptroller Generals standards for audits of the federal organizations, OMB circular A-732 as basic audit criteria for federal agencies.
5. 15 U.S. Code 1681b - Permissible purposes of consumer reports. Permissible purposes of consumer reports. Impermissible purpose Violations and privacy violations.
XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.
I understand that you shouldn't be allowed to put any information on my file unless I have authorized it. Please, either provides me with strict proof I authorized this accounts # XXXX such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. Do not place any negative derogatory information on my credit file, pursuant Fair Credit Reporting Act.
NO CONTRACT!
Only discharge of debt, acceptance and return for discharge.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give you thirty ( 30 ) days to reply to this notice from the above date. Your failure to provide with substance the aforementioned documentation within thirty ( 30 ) days, from the above date of this notice, to validate the alleged debt, will constitute your agreement to the following terms : 1. That the alleged debt did not exist in the first place 2. It has already been paid in full; dissolved 3. That any damages XXXX XXXX and XXXX XXXX XXXX suffer, you will be held culpable.
4. You will no longer pursue this matter any further.
5. You agree to pay all fee schedules ( {$500.00} daily Administration, postage, copy charges and assessments and cost of collector fees.
6. You agree with me putting a commercial lien on LoanCare , LLC on behalf of XXXX XXXX XXXX XXXX XXXX and anyone involved with alleged debt.
Please, either provide me with strict proof I authorized any of these accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss.
Under the Fair Debt Collection Practices Act Section 805 ( C ), it is my right to request that you cease and desist contact with me. I am exercising my right to do so with this letter. I request that you immediately CEASE and DESIST all actions with me. With this notice, under the law, you can now only contact me to : 1. To advise me that your company 's further efforts are being terminated.
2. To notify me that your company may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or Where applicable, to notify me that your company intends to invoke a specified remedy. Please provide strict proof of authorizations by sworn affidavit or I will have no other alternative than to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission or contact Attorney General for further scrutiny of this matter and a lawsuit for tax fraud, fraud, aggravated identity theft, extortion, theft by deception, intentional act of fraud, GROSS MISREPRESENTATION and etc. Flint Edwards, Carlyne Desir V. Midland Mortgage Case No. XXXX XXXX. XXXX One Million dollar lawsuit against XXXX XXXX XXXX and Carlyne Desir v. LVNV Funding LLC case # XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX for violations of FDCPA. Please correct the billing error, discharge debt and report to the credit bureau paid in full for six month. Settle and close fraudulent account as fully paid and release the lien with XXXX XXXX Florida by XX/XX/XXXX. We need mortgage Satisfaction, release of Lien and dismissal of current and future court actions from LoanCare , LLC on behalf of XXXX XXXX XXXX XXXX XXXX or I will file a lawsuit for fraud and etc.
UCC 3-501 also requires servicer to show authority to make demand for payments, if it does not own the note, but is merely servicing it. In the event a note holder or servicer or will not exhibit the note or perform other legal requirements when requested to do so by the borrower, this UCC section allows the borrower to discontinue payments WITHOUT DISHONOR until such time as the note holder or servicer complies with all laws or contract provisions.
If we make any payment under duress, coercion, forced and protest. Where an unjustified payment or transfer of some kind has been induced by duress, in a situation where there is no contractual relationship between the parties, the aggrieved party will be entitled to reclaim the payment or transfer. Money paid under duress can be recovered back.
15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code- Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability with respect to any failure to make disclosures. 15 U.S.C. 1611 - Criminal liability for willful and knowing violation.
All prior Powers of Attorney, all other prior presumed or granted Executorships, Trust, MERS and Agency relationships are terminated.
PRIVITY OF CONTRACT!
BY : XXXX XXXX and XXXX XXXX All Rights Reserved, Without Prejudice, U.C.C. 1-207, 1-308, 1-103 By : XXXX XXXX and XXXX XXXX, Secured Party Creditor , Authorized Executor of the Estate XXXX XXXX XXXX, XXXX XXXX.
Executrix of the XXXX XXXX XXXX, XXXX XXXX.
Registered XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
6452710
|
2023-01-18
|
Struggling to pay mortgage
|
Mortgage
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Mortgage
|
| Sub Product |
VA mortgage
|
| Date Received |
2023-01-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-02-24
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
We shared this farm/home with my grand-son-in-law & our Grand daughter. He & I our on the deed & loan too! As a 100 % XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They were having many other problems too he would move out, then back in ( she tried saving the marriage over & over ) Unknown to us he wasn't paying the mortgage and was hiding the mailings & bills too! After getting a foreclose notice to our unpleasant surprise we installed a locking mail box court ordered to stay off the land, called Nations lending explaining what happened and applying to assume the mortgage totally my wife & myself ( court has ordered him off the loan & land too ) this has been going on since Last XXXX sent them everything they have asked for too We have excellent credit too and the income needed too! This is just like the trouble he filed a complaint back on XX/XX/2020 for they take for ever it must effect my wife & my credit badly too because of the time frame on the assumable mortgage is taking, We can afford the assumble mortgage but they are putting us further behind & not taking payment too We are on all the original & refi mortgage paperwork too should be fast and easy, but not with them Please help
|
| Consumer Consent Provided |
Consent provided
|
|
|
6209018
|
2022-11-16
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2022-11-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-08
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Loan Number XXXX Reference : Mortgage XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
My loan was sold from XXXX due a bankrupt ; when the transfer the loan they missed transfer two months payments.
Ive contact new bank LOAN CARE since they claiming 3 months pay they advise me not to worry theres 3 months period and will start an investigation not pay the months in dispute until they finish all investigations.
In the meantime I've sent several documents even the bank manager called directly from the bank confirming every month an automatic payment was sending to XXXX After almost a year LOAN care respond to me saying they can't collect the two payments and I have to contact directly to XXXX and they report me late all the time the investigation last.
I've contact XXXX and finally send me a check with the two months they missed sending to loan care bank Ive trying to explain LOAN CARE this mistake and im not responsible each time I claim they adding an extra month even though the mortgage is been transfer to another bank two years ago.
Im XXXX citizen Im sure this discrimination to me since this happening Im contact the XXXX citizens lawyer in my district to help me to get justice Im attaching plenty of evidence of what im saying PLEASE HELP ME
|
| Consumer Consent Provided |
Consent provided
|
|
|
2339397
|
2017-02-10
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
LoanCare, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2017-02-10
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-02-15
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
