Consumer complaint received 2020-02-15
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am currently in a dispute with Loan Care who has acknowledge their is an error. My loan has been transferred from XXXX XXXX XXXX with a HELOC that was forgiven along with an idenmification loss note affidavit. Ever since then, I have been trying to get these charges removed by XXXX XXXX, XXXX and now XXXX has sold my loan to a Trustee who purchased my loan. XXXX XXXX is not accepting responsibility, however, Loan Care who is the subservier is acknowledging there is an error. I have not been properly welcomed into their company, I have a wrong loan number and the amounts are incorrect. I am also not responsible for a second loan who was sold by XXXX. XXXX has failed to remove this loan from my account and now that they are in financial trouble they sold my loan and did not address my second loan is no longer my responsiblity. XXXX filed tax with that amount after I had notified them that I am no longer responsible for that second loan. I sent then my forgiveness letter and I have proof. This balance has followed me from XXXX XXXX and now XXXX XXXX has no idea that my house has been sold to a third party who is trying to evict me without understanding the facts. I have notified Hud, and FTC The person who purchase my loan is an agent for XXXX and held a private auction in XXXX. She still has it on site to contact for future actions regarding my home. She must know that until I was in foreclosure and sold my loan at an auction. I was in chapter XXXX bankruptcy in XX/XX/XXXX, I reinstated it but did not get a bk number because attorney stated I needed to have the arrears move from my account which is why I contacted XXXX and Loan Care beginning in XX/XX/XXXX, but they kept transferring me to different dept. which led me to the attorney. However, she is unaware that my note was filed at the county recorder incorrect, the investor is XXXX  XXXX, who I tried to get help from and who turned me away because I was in a class action law suit against XXXX XXXX for not handling my account correctly. In XXXX of XXXX, I was transferred to Loan Care Bankruptcy Department, then I started receiving statements from XXXX  XXXX who owns the rights to my loan. I contacted Loan Care and they transferred me to XXXX, then XXXX transferred me to the Mortgage Law Attorney 's voice mail who is on the Trustee Sale, an agent for XXXX. After faxing my information regarding my error to XXXX XXXX, they said they are not responsible and said that Loan Care. Now Loan Care acknowledges there is an error but after filing a complaint against XXXX on XX/XX/XXXX, I received a letter on XX/XX/XXXX stating they are still investigating, then on XX/XX/XXXX, I got a letter of eviction ; giving me 5 days to vacate which will be XX/XX/XXXX. I have an attorney from XXXX XXXX XXXX working with my lender to get the numbers and Hud also, so I wanted to file this complaint while my complaint is being reviewed by the attorney, Hud, FTC also has my complaint regarding the manner my house was sold.

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