Consumer complaint received 2020-09-15
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is my 4th complaint lodged against this company. 
In a complaint ( # XXXX ) filed thru the CFPB on XX/XX/XXXX which was my second complaint about their actions & behavior, I stated the following : I will conduct all further engagement with them via USPS mail. In addition, I will not accept any calls from them & will deem any call from them henceforth to be of a harassing nature & will treat as such. Thats direct & to the point. I further stated : I will also forward a copy of this to my attorney. I will also contact the Federal & State authorities about this matter. Again, direct & to the point. These statements were written on XXXX XXXX. 
On XXXX XXXX I received a written response to my complaint of XX/XX/XXXX. In regard to loan number ending XXXX LoanCare wrote and specifically Ms. XXXX XXXX was the author, that at the top of page 2 stated We received a request from you to cease telephone communications on the account and on XXXX XXXX, the account was updated with the cease and desist request. In regard to loan number ending XXXX about two thirds down page 2 it stated : We received a request from you to cease telephone communications on  the account and are in the process of updating the account with the request. Really?? Seriously??!!!! It takes you an additional week to get to implementing that demand when you are already doing my other account at time you drafted the letter?? But its LoanCare so guess I shouldnt be surprised.

Guess I shouldnt be too surprised either to be on the receiving end of continued telephone harassment by your company. As of todays date I have received no less than 4 phone calls from LoanCare since the  above complaint was made and that letter of XX/XX/XXXX stating they were updating to indicate a cease & desist with both loan accounts. All calls were logged & recorded. I was very clear about how any calls would be considered & treated. Therefore, Ill be very clear with LoanCare exactly what is going to happen. As promised I will make certain that any & all Local, State & Federal agencies are aware of this continued harassment that is occurring in direct contradiction to what LoanCare said it would do & agreed to in writing. In addition I will seek any & all  sanctions, investigations and actions up to and including civil & criminal. I spelled out in my original CFPB complaint of XX/XX/XXXX that I would ONLY engage with LoanCare via written communication thru USPS. Let me spell that out for you in case you missed the obvious. By stating I will conduct all further engagement with them via USPS mail.. that means just that and ONLY that and no emails either. Based on their past performance with their website I will NOT engage with them online as for all I know their online communications could harbor malware, ransomware or viruses. Written communication thru USPS means just that with no room for creative interpretation.

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