Consumer complaint received 2019-03-12
Company: LoanCare, LLC
State: AK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX XXXX and XXXX XXXX XXXX, We bought our first home in JXX/XX/XXXX. A year later our payment went from XXXX to XXXX. We struggled to get our payments because of how high our payments were. We went under loss mitigation and we were able to get back on track. We have been having problems with XXXX XXXX XXXX since we bought the house. Finally, my husband was offered a job in XXXX XXXX. We put our home for sale but could not sale before we left in XXXX, XXXX. We decided to take it off the market and we rented the house to a family that we new because they were in need. We found out that our tenants were dealing and doing drugs in our home and that was a violation of the agreement. We evicted them and they stopped paying and retaliated against us and vandalized and ruined our home. We were not able to make both our mortgage and our rent payment in XXXX. We started getting behind on our home in XXXX, so we put it back on the market so we could just try to sell our home as is, and as soon as possible. We tried to contact loan care about our situation but of course they did not care. Since we already did a loss mitigation we were not allowed to do another one, so we didn't know what else to do, soon after that we got a letter from a lawyer that we were needing to pay the back pay and pay the attorney fees. We could not pay, we tried contacting the Lawyers and they would not talk to us. We tried to give payments that but Loan care declined our payments. They wanted the whole amount but we could not afford to pay the whole XXXX at once, and we could not afford a Lawyer so we were on our own and we did not know what to do so we prayed that we would find a buyer before we went into foreclosure. Than, we had a buyer but our airconditioner broke and we did not have XXXX to get that replaced so the buyer backed out. We were devastated, a few weeks went by and we kept trying to contact the mortgage company but we could not get any help from them. Finally we saw hope, we had an XXXX Investor that was going to pay what we owed plus the Lawyers fees and they were gon na have someone rent the home, but the payment was so high that they decided not to go ahead with the deal. We had till XX/XX/XXXX and since we were out of time and they would not talk to us, we lost our home. No notice or even a chance to try to short sale. Within this time of foreclosure, struggling financially. My wife lost her job and we ended up losing our home and I am a XXXX and in the XXXX XXXX of the United States and I work in a high security job with a security clearance and now I am in jeopardy of losing my job. I can't believe that being a veteran and giving my whole life to the United States that my family and I could be treated this way. I tried to seek help multiple times from this Mortgage company but would not help us in any way. I am not sure that there is really nothing I could do since we have already lost our home but I am just wanting to seek some kind of help in filing a suit or an investigation on this mortgage company. 
Thank you, XXXX and 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