LoanCare, LLC

RE-OPENING & ESCALATION OF CLOSED COMPLAINT XXXX XXXXXXXX Borrower Name : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, LA XXXX XXXX Subservicer : LoanCare , LLC ( Account XXXX XXXX XXXXXXXX ) Master Servicer / Owner : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX. REASON FOR NEW COMPLAINT & NEW EVIDENCE My prior complaint ( XXXX XXXXXXXX ) was closed after LoanCare issued a response on XX/XX/year>, containing material misstatements and legal disclaimers. Because the portal locked further uploads, I am filing this new complaint to submit irrefutable physical proof that LoanCare received my formal Loss Mitigation Appeal Packet and Notice of Error prior to their XX/XX/XXXX deadline. XXXX XXXXXXXX XXXX XXXXXXXX confirms official delivery to XXXX XXXX. XXXX in Virginia XXXX, VA on XX/XX/year>, at XXXX AM. Pursuant to XXXX CFR XXXX, LoanCare is required to maintain a complete foreclosure hold during this appeal. 2.…

LoanCare / XXXX wrongfully truncated an active mortgage forbearance agreement without proper notice or legal justification. Written dispute correspondence was sent directly to the servicer via USPS Certified Mail. Delivery was successfully confirmed through four signed USPS Form 3811 Return Receipt cards. Despite documented receipt of these formal dispute notices, the company failed to provide the requested documentation confirming the agreed forbearance terms and improperly cut the forbearance period short.

In XX/XX/XXXX, my household fell behind on our FHA mortgage when COVID-related financial assistance we had been relying on was exhausted. On XX/XX/XXXX, my spouse was taken to the XXXX XXXX and simultaneously diagnosed with XXXX XXXX ( XXXX XXXX ) and XXXX of the XXXX. He was XXXX to a XXXX XXXX for emergency XXXX and remained hospitalized for months, completely unable to work. He was the sole designated mortgage payer in our household. On XX/XX/XXXX, I submitted a complete mortgage assistance application and written hardship letter to LoanCare , LLC explicitly disclosing the medical emergency, hospitalization, and loss of income. Under 12 CFR 1024.41, this triggered LoanCare 's obligation to evaluate me for ALL available loss mitigation options, including Special Forbearance which HUD Handbook 4000.1 requires for qualifying medical hardships.…

I sent my servicer, LoanCare, and master servicer, XXXX XXXX XXXX, a Request for Information under RESPA ( 12 C.F.R. 1024.36 ) and TILA ( 15 U.S.C. 1641 ( f ) ( 2 ) ) asking them to identify the owner of my mortgage note and related records. In their July 20, 2026 responses they gave me contradictory answers about who owns the note the one fact the law requires them to identify correctly. On XX/XX/XXXX and again on XX/XX/year>, LoanCare wrote that the current owner of the note is XXXX XXXX ( pool XXXX ). On XX/XX/year>, LoanCare wrote instead that the loan was sold to XXXX who is the lender that currently holds the Note. The same day, in its response to this complaint, XXXX wrote that the loan is invested/backed by Fannie Mae XXXX XXXX record of any other assignments. XXXX can not hold the note while Fannie Mae owns it with no other assignments, and XXXX own XX/XX/XXXX and XX/XX/XXXX letters refute its XX/XX/XXXX statement.…

I am an unrepresented consumer filing a formal complaint against XXXX XXXX Mortgage ( XXXX ) and XXXX XXXX XXXX XXXX LoanCare , LLC for severe administrative errors, conflicting disclosures, deceptive verbal statements on recorded lines, and failure to provide material program disclosures during a servicing transfer. I am acting in good faith to restructure my mortgage via XXXX FHA loss mitigation to stay in my home, but the servicers are violating RESPA guidelines and FHA compliance.Account Timeline and Conflicting Disclosures : I purchased my home in XX/XX/XXXX with an FHA loan. My first payment was scheduled for XX/XX/XXXX. Right before that due date, my commission income was significantly halted by the federal government shutdown.…

A short story about a house I bought last year. I couldnt afford the payments, so I requested forbearance for a couple of months. XXXX XXXX They agreed to give me a trial period of three months. After that, they sold the house to another company called Loan Care. Now, Loan Care claims they cant help me because I should have made regular payments. Theyre doing this without my knowledge. Im lost and dont want to lose my home. They wont help me, even though I tried asking for a bit more time. Why would they want to set my mortgage assistance?

I am writing to address an account being reported on my credit report for which I requested debt validation. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and requested proper verification of the alleged debt. However, I have not received sufficient documentation to confirm that this debt is mine, that the amount is accurate, or that the collector has the legal authority to collect. Despite the lack of proper validation, the account continues to be reported on my credit file, which is negatively impacting my credit. I am requesting a full investigation. Any information that can not be properly verified must be removed.

I am requesting the Consumer Financial Protection Bureau investigate the servicing of my FHA mortgage loan because I have received inconsistent and conflicting information from my mortgage servicer regarding my default status, foreclosure status, reinstatement amount, and my opportunity to cure the default. Background I previously experienced a financial hardship due to a family medical emergency and fell behind on my mortgage payments. I have been attempting to work with my mortgage servicer to avoid foreclosure and have repeatedly contacted the company to determine what options remain available to save my home. I previously completed a partial claim and loan modification. More recently, I applied for mortgage assistance again, but my application was denied. I was told the denial was related to a missed trial payment. I could not pay the third payment and called to request additional days to pay.…

I am filing this complaint because LoanCare failed to honor a Promise to Pay agreement that was created due to an error made by its own representative. My mortgage became delinquent for the months of XXXX through XX/XX/year>. I contacted LoanCare to resolve the delinquency and entered into a Promise to Pay agreement. On XX/XX/year>, I made the first required payment of {$6500.00} and was provided Confirmation Number XXXX for the second Promise to Pay. During that phone call, the LoanCare representative advised me that the remaining Promise to Pay balance was {$3700.00}. The representative also explained that my regular XXXX mortgage payment of {$4200.00} would be due separately. The representative repeatedly offered to spread either the remaining balance or the XXXX payment over the next 46 months through a payment plan. I declined because my intention was to pay the remaining balance in full and bring my mortgage current.…

LoanCare denied my FHA loss mitigation application under a program that is no longer active, for a reason its own records disprove, on a loan where LoanCare already approved a partial claim it never finalized. Follow-up to CFPB Complaint ID XXXX. Loan XXXX | FHA Case XXXX | XXXX XXXX XXXX XXXX, XXXX FL XXXX ( primary residence ) | Foreclosure : XXXX XXXX XXXX XXXX XXXX XXXX, No. XXXX ( XXXX XXXX. XXXX ) THE UNFINALIZED PARTIAL CLAIM XX/XX/XXXX : LoanCare approved a {$12000.00} partial claim. I accepted, signed XX/XX/XXXX before LoanCare 's own mobile notary, and XXXX it on its prepaid label XX/XX/XXXX, eleven days before its XX/XX/XXXX deadline. It passed LoanCare 's quality control XX/XX/XXXX. LoanCare never finalized or recorded it ; no HUD subordinate lien exists in XXXX XXXX XXXX On XX/XX/XXXX HUD confirmed in writing that no partial claim is on file and LoanCare must submit corrective documentation. On XX/XX/XXXX a rep acknowledged the error and said foreclosure was suspended.…

CFPB Complaint Description : I am filing a complaint against LoanCare/XXXX XXXX XXXX regarding their handling of insurance claim proceeds for Tornado damage that occurred to my home several months ago on XX/XX/year>. My insurance company approved and issued claim proceeds exceeding {$54000.00}, and the insurance check was promptly endorsed and sent to the mortgage servicer as required. However, since that time, LoanCare has repeatedly delayed, denied, and changed documentation requirements, preventing timely access to funds needed to repair my property. The delays caused by LoanCare 's repeated denials, changing requirements, and prolonged review process have created significant financial hardship for my family. Because insurance proceeds have remained restricted while repairs were delayed, I have been forced to pay for portions of the repairs and related expenses out of pocket. This has depleted my available funds and caused me to fall behind on multiple financial obligations.…

I missed XXXX payment for my house in XXXXXXXX XXXX.My job shut down and I could not pay.I asked for help in XXXX forms sent in I was denied.Loan care has filled with my credit report that Ive been late every month and charging me interest every month even though loan care knows my circumstances and I can not pay anymore then what Ive been paying.Ive tried many times to fix this Ive tried to get out of my loan with other banks but they wont help me because of the false reporting of loan care.From XXXX of XXXX to XXXX of XXXX Ive never been late not once but in my report it says Im late every month.

I am submitting this complaint because my mortgage servicer reported my account as delinquent to the credit bureaus as the result of what I believe was a servicing error involving my automatic payment setup. I have maintained a strong history of making my mortgage payments through automatic biweekly drafts. In XX/XX/XXXX, XXXX scheduled automatic payment did not process successfully. After discovering the issue, I contacted the company in XX/XX/XXXX to resolve it and specifically requested that my automatic biweekly payments be reinstated. I believed that the issue had been corrected during that call. Unfortunately, it appears that my automatic payment plan was not properly reactivated as requested. I was not aware that the setup had not been completed, and as a result my account became past due without my knowledge.…

I am filing a formal complaint against LoanCare , LLC for failing to properly credit a repayment plan payment, erroneously advancing my FHA mortgage into active foreclosure, and failing to coordinate with their foreclosure law firm, XXXX XXXX.I fell XXXX months behind on my mortgage due to a temporary financial hardship involving emergency XXXX XXXX expenses for my elderly mother. To resolve this delinquency, I entered into an official repayment plan agreement with LoanCare. I made my required payment in strict compliance with the agreement. My financial institution has officially certified that LoanCare received and cleared these funds on XXXX XXXXDespite this timely delivery, LoanCare has committed an administrative tracking error and claims they did not receive the payment. Because of their internal error, they broke our agreement, marked my account as severely delinquent, and referred my file to the XXXX XXXX XXXXXXXX XXXX to begin the foreclosure process.…

Subject : Supplemental Complaint CFPB Complaint # XXXX Re : CFPB Complaint Reference XXXX To Whom It May Concern, This submission supplements my previously filed complaint, CFPB Complaint No. XXXX. My original complaint detailed the inconsistent and inaccurate information I received regarding my eligibility for an FHA Partial Claim, the mishandling of my suspense account, and LoanCares refusal to apply approximately {$2000.00} of my own funds that it was holding in suspense toward my Trial Payment Plan. LoanCares handling of my account left me with no room for error. By refusing to apply funds that already belonged to me and requiring me to come up with additional money each month, I was consistently making my XXXX XXXX XXXX payments at the end of the month with my back against the wall.…

I am filing this complaint regarding multiple mortgage servicing errors by LoanCare , LLC involving my escrow account, homeowners insurance, payment processing, and unauthorized electronic withdrawals. On XX/XX/year>, LoanCare correctly paid my authorized homeowners insurance premium of {$3200.00} to XXXX XXXX Insurance Company from my escrow account. My previous XXXX XXXX Insurance policy was cancelled effective XX/XX/year>, and XXXX XXXX became my only active homeowners insurance policy. Despite this, LoanCare later accepted and processed a XXXX XXXX insurance policy that I never authorized and disbursed an additional {$4100.00} from my escrow account on XX/XX/year>. I immediately disputed this payment after discovering it. As a result of including both insurance disbursements in my escrow calculations, LoanCare increased my monthly escrow payment.…

In or around XX/XX/2024, servicing of the conventional home mortgage on my family trust 's property ( originated as XXXXXXXX XXXX XXXX XXXXXXXX. XXXX ) was transferred to LoanCare , LLC, acting as subservicer on behalf of XXXX XXXX XXXX XXXX XXXX. I am a beneficiary of the trust that holds the property and a party in interest in the loan. I learned of this transfer only indirectly, through a third party 's response to a separate complaint ; I was not furnished a complete or adequate accounting of the transfer or the resulting servicing relationship. I requested from the servicer the records that govern this loan and its transfer : the Notice of Servicing Transfer and the complete boarding / " hello '' '' goodbye '' transfer file for the XX/XX/2024 transfer ; the identity of the current owner or investor of the note and of the master servicer ; the complete payment and transaction history ; the escrow account analysis and disbursement history ; and all payoff quotes and borrower…

COMPLAINT SUMMARY : PROOF OF MISAPPLIED XXXX XXXX XXXX XXXX XXXX XXXX I'm filing this complaint against LoanCare , LLC for violating RESPA servicing transfer rules, misapplying my payments, violating the Fair Credit Reporting Act ( FCRA ), and trapping my account in an artificial " rolling delinquency '' status for nearly a full year. My mortgage service transferred from XXXX to LoanCare in the spring of XXXX. My final payment to XXXX was in XXXX XXXX single month since XX/XX/XXXX, I have made my monthly mortgage payments directly to LoanCare. Currently, LoanCare claims my account is XXXX months delinquent and that my XX/XX/XXXX payment is only covering XX/XX/XXXX. This status is completely false. My XXXX XXXX bank records prove that I made XXXX full mortgage payments directly to LoanCare on XX/XX/XXXX, and XX/XX/XXXX ( totaling {$5100.00}, which was my monthly payment amount of {$2500.00} at that time ).…

I am filing a complaint regarding a violation of loss mitigation transfer rules under RESPA Regulation X. A loan modification was agreed upon on XXXX with my previous servicer, XXXX XXXX XXXX ( XXXX ). A fully notarized modification was completed XX/XX/year> by XXXX. They then transferred my loan to XXXX XXXX XXXX ( XXXX ) LoanCare , LLC ( XXXX ). However, on XX/XX/year> we were verbally informed by XXXX that our loan modification was denied over a 3-cent discrepancy. At this time, we had yet to be issued a written denial letter or provided an appeal window from XXXX, XXXX, or XXXX. I have received XXXX 's welcome letter, but no written loss mitigation decision. XXXX is claiming I am delinquent on six months of payment ( the modification period and payments ) and failing to honor my active, in-flight modification application.…

LoanCare is refusing to send the Permanent Home Retention documents required under FHA guidelines and HUD Handbook XXXX. I successfully completed the FHA Trial Payment Plan ( TPP ) on XX/XX/XXXX, which triggered the requirement for LoanCare to issue the Permanent Home Retention documents within XXXX days, as mandated by HUD Handbook XXXX, Section ( D ). Despite this, LoanCare has not delivered the required documents and is now stating they may possibly be released in XXXX and that they do not know when, which is outside HUDs mandated timeframe. Exhibit XXXX HUD Email Confirming XXXX Deadline HUD Housing Program XXXX XXXX XXXX confirmed in writing that LoanCare must send the Permanent Home Retention documents within XXXX days of successful TPP completion. Her email states : The Mortgagee must send the Permanent Home Retention documents to the Borrower within XXXX Days from the successful completion of a TPP. LoanCare has violated this requirement.…

We me and my family were approved for an FHA loan back in XXXX XX/XX/XXXX to be exact... we looked at a house XXXX XXXX XXXX XXXX XXXX, there were small issues when we looked at it as couple of electrical sockets didn't work and the garbage disposal didn't work there was a bubble on the wall... and some weak spots on floor and the gap from the porch to the house and adding a fence..... we bid on it as the stated they fixed these issues NOT DISCLOSEING any other issues we did not buy house as is... we bought house under FHA guidelines which this house never should have been sold to us..... the first to FHA inspection FAIL which we got a copy for failed inspection... we never received a passing FHA inspection .... we were just told it passed, we moved in and a month of moving in XXXX XXXX stop working ...…

In XX/XX/2026, I enrolled in my mortgage servicer 's AutoPay program and received written confirmation that it had been established. My biweekly payments in XX/XX/2026 were processed without issue, and my mortgage account remained current. On XX/XX/2026, an AutoPay payment of * * {$830.00} * * was successfully drafted from my bank account. After that payment had already been processed, I canceled AutoPay for future payments because I wanted to change my payment schedule. Following the XX/XX/XXXX payment, my mortgage account began reflecting an amount due that was inconsistent with my payment history and my understanding of how the payment should have been applied. Beginning on * * XX/XX/2026 * *, I contacted the servicer multiple times to request that the payment be reviewed and corrected. During several calls, I was told that requests had been submitted for review, that an earlier request had been processed incorrectly, and that the matter remained under investigation.…

I have a XXXX mortgage serviced by LoanCare. I am submitting this complaint because I believe LoanCare mishandled my VA loss mitigation review, failed to properly communicate the status of my XXXX application, failed to respond meaningfully to my deed-in-lieu request, and then allowed the loan to move into foreclosure while preserving possible deficiency judgment rights. In 2025, I was working with LoanCare on VA loss mitigation through the XXXX program. I contacted LoanCare multiple times, at least XXXX or XXXX separate calls, and was told that I had been approved and that I simply needed to wait for paperwork. I relied on those statements. During this time, I was not required to make payments while the XXXX review was pending. I was not clearly informed that the XXXX program was ending or that my file would not be completed before the program expired. After contacting LoanCare again, I was told the XXXX program was no longer available.…

I am a XXXX borrower whose home was damaged by a tornado on XX/XX/XXXX. My insurer, XXXX, issued insurance proceeds totaling {$32000.00} to repair my home. My mortgage servicer, LoanCare , LLC, and the loan owner, XXXX XXXX XXXX XXXX XXXX, are holding XXXX % of those proceeds in a restricted escrow account and have refused to release any of them, despite my having submitted every document they required and despite the largest repair ( a full roof replacement ) now being complete. TIMELINE On or about XX/XX/XXXX, LoanCareXXXX received my endorsed XXXX insurance XXXX ( Check Nos. XXXX, XXXX, and XXXX, totaling {$32000.00} ), the full adjuster 's worksheet, and my executed repair affidavit, sent by certified mail. LoanCare 's own later letter confirms the funds were received as XXXX deposits on XX/XX/XXXX and placed into restricted escrow on XX/XX/XXXX. On XX/XX/XXXX, in the same mailing, I sent a Qualified Written Request ( QWR ) under RESPA, 12 U.S.C.…

* * Consumer Financial Protection Bureau ( CFPB ) Complaint * * * * Company : * * LoanCare , LLC * * Product : * * Mortgage * * Issue : * * Loan Modification, Forbearance, Payment Processing, Loss Mitigation Review, and Account Servicing Concerns I am submitting this complaint regarding the servicing of my mortgage account by LoanCare and my attempts to obtain a reasonable loss mitigation solution while experiencing documented disability and a recent XXXX loss of income. I suffered a serious work-related injury on XX/XX/XXXX. As a result, my earning capacity was reduced by approximately 90 %, and my physical abilities were significantly limited. Since that time, I have provided medical documentation supporting my condition and have repeatedly worked with LoanCare to avoid default and preserve my home. Despite these challenges, I have continued making good-faith efforts to meet my mortgage obligations whenever financially possible.…

Subject : Request for Reconsideration of Duplicate Complaint Determination New Adverse Actions and Ongoing Servicing Misconduct by LoanCare , LLC To Whom It XXXX Concern, I respectfully request reconsideration of the determination that my most recent complaint against LoanCare , LLC was categorized as a duplicate complaint. While the complaint relates to the same mortgage loan, it is not a duplicate of my prior submission because it involves multiple new adverse actions, new disputes, new requests for information, and continuing conduct by LoanCare that occurred after the filing and response associated with the prior complaint. My prior CFPB complaint focused primarily on LoanCare 's mishandling of my loan modification process, failure to send documents to the correct address, rejection of payments, and resulting foreclosure activity.…

I am filing this complaint against LoanCare for systemic violations of the CARES Act and Regulation X mortgage servicing guidelines regarding XXXX loss mitigation. After experiencing a pandemic-related financial hardship, I successfully secured employment, regained financial stability, and contacted LoanCare to resume making my mortgage payments. I repeatedly requested a loan modification or a payment deferral option so that I could resume my regular monthly payments. LoanCare flatly denied my requests and stated that I was required to pay the entire delinquent balance in a single, massive lump sum to prevent foreclosure. I explicitly informed them that a lump-sum payment was impossible, while reiterating that I was ready and able to resume normal monthly payments. LoanCare then engaged in prolonged administrative delays. They ignored my repeated attempts to contact them, went silent on chat logs, and took an unacceptably long time to communicate with me.…

Date : XX/XX/XXXX Subject : Complaint for Violations of the Fair Debt Collection Practices Act ( FDCPA ) Failure to Respond to Debt Validation Letter / Mortgage Loan # XXXX I. Introduction This complaint is submitted on behalf of XXXX XXXX against Loan Care LLCXXXX XXXX XXXX XXXX XXXX XXXX for serious violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692 et seq. Loan Care LLC has failed to comply with federal law by refusing to respond to a valid Debt Validation Letter served on XX/XX/XXXX, concerning Mortgage Loan # XXXX. II. Factual Background 1. On XX/XX/XXXX, Complainant mailed a formal Debt Validation Letter to Loan Care LLCXXXX XXXX XXXX XXXX XXXX XXXX pursuant to 15 U.S.C . 1692g, requesting proof of the alleged debt, chain of title, and evidence of legal consideration supporting the purported mortgage obligation. 2. Loan Care has failed to respond within the statutory period and has not provided any validation of the alleged debt. XXXX.…

My loan was recently sold or transferred to another lender while in the process of receiving approval for a standalone mortgage recovery advance. This approval was dated for XX/XX/XXXX and received via USPS on XX/XX/XXXX. I called the previous lender to follow up with them on XX/XX/XXXX. They explained to me the loan was sold and gave me the new lender name. I didnt receive any communication from new lender, Loancare until XX/XX/XXXX and XXXX dated for XX/XX/XXXX which indicated I had a past due balance. I called them Monday XX/XX/XXXX and spoke with someone in loss mitigation about the XXXX payment which was returned by previous mortgage company, XXXX XXXX. She told me she would look into the previous paperwork. Since, Ive heard nothing. Today I received four pieces of mail from Loancare telling me I do not qualify for hardship and past due balance is due in full by XX/XX/XXXX to avoid foreclosure. Loancare appears to be not honoring the previous lenders approval.…

I was told by a representative with Loan care that there is a check in my name and my name only in the amount of {$140000.00} and I need to provide Loan care with a paid in full receipt from the XXXX that completed the floor repairs in the home so that the funds can be released. I provided Loan care with the document on XX/XX/year> and I have called several times, and I have not heard from anyone on what the status is. I have called several times for a status update and they keep telling me the document is still being reviewed and to allow more time.