Consumer complaint received 2022-05-19
Company: LoanCare, LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Trouble during payment process

Complaint:
Good day, I have been having a lot of issues with my mortgage service provider. 

Some of the issues I've been having have been related to COVID relief and management of my loan. 

lender at many times provided inaccurate information that was at often times not documented well. 
Continued to report my payments as late even though they stated they would not. COVID relief has been applied for and submitted for the VA Loan.

When I looked for relief they attempted to foreclose on my property by saying my escrow account was negative and I had to pay over XXXX dollars to bring the escrow account current. this was on top of my XXXX payment that was made two Months in a row based off of prior loan modification ( which expired because I continued to complain about innaccurate or subversive language ) which was asked to be edited because my ex-wife was listed on the documents when the divorce decree stated she was suppose to be removed. The assessor deed was provided with her name removed. At many times the reps. Would tell me that a special warranty deed could not be used. I had to push to management to get it resolved. With weeks of no correspondence after multiple attempts to follow up and manage my loan. With supporting documents. 
Had to send money orders with no name from the USPS over XXXX dollars in the mail. Currently XXXX, roughly in payments on top of my XXXX required mortgage payments. The service provider even stated that other customers had their loan payments stolen in the mail. Then told me I would have to pay three more payments to get the loan modification ( by money order with overnight or.two day shipping ) Then, told It was sent to the wrong address and I needed to mail it back Fees to send money orders are around XXXX or greater Loan Modifications we're requiring I waive my rights to XXXX exempt status provided by the state. 
Current payments were not reported and my credit report shows over XXXX days late. When addressed with provider I was told it would be brought current when I send the last money order to the lawyer. Then they will agree to do a loan modification. Until then I would only be allowed to pay by money order. 
These practices are concerning, to say the least. I believe that my credit account should be brought current and my loan modification be reviewed for fair credit practices. Also, during the loan modification I pleaded that they conduct an escrow analysis and update that I had a homestead tax exemption since XXXX. As of current the state has refunded up to XXXX back at which the service provider has collected a large portion of this money with threat of foreclosure ( note escrow account balance was negative XXXX ) after COVID forbearance had ended. Also, money orders were being sent to a personal residential address.. 


XXXX XXXX ( XXXX ) XXXX has been the collection rep. I believe that he has been simply trying to collect with threats over losing my home. I do not believe that their actions were in order of protecting the consumer. I believe that they used threats against me due to forbearance and failed to inform me that I was entitled to loan modification free of errors and misguided loan modification to attempt to force foreclosuring even though short correspondence was conducted. I would have to follow weekly and always received different answers and different assurances. The VA has provided measures to prevent this type of loan shark behavior, I feel very concerned about my home and even reporting them. I dont want them to take legal actions against me.. 

Please assist.. 

Very Respectfully, XXXX XXXX XXXX

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