Consumer complaint received 2021-08-09
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
PORTIONS OF CORRESPONDENCE SENT From : XXXX XXXX XXXX To : LC-XXXX, LC-XXXX Date : XX/XX/2021 XXXX XXXX  Subject : EXTREMELY URGENT LOAN # XXXX XX/XX/2021 RE : LOAN NUMBER XXXX PROPERTY ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear Loancare, Lender, I received the attached letter in total confusion. According to the attached signed and notarized documents by my bank my payments are {$1700.00}, The first loan modification was made with several errors, and had to be redone only when I called to get a status and absolutely nothing had been done. Ongoing problems, now even payments are higher before the supposedly modification due to an escrow shortage that I was not even aware of, nothing in writing and after several telephone calls and being placed on hold until my cell phone literally had to be recharged, over an hour, not a mention. 

I have made 2 payments effective XX/XX/2021 of {$1700.00}. XXXX, and in the process of sending {$1700.00} for XX/XX/2021. This has been a total nightmare from the very beginning and I am not going through this alone again. I am filing another complaint in very detailed occurrences and correspondence, including each and every time I have called, and certified copies sent to you, and since I am a senior I can freely obtain an attorney, not just for guidance. 

I am getting threatening letters stating I am in default, late and fees and charges accruing. 

I really believed that your goal was, so noted in your company mission statement, was to help your clients, not brutally mistreat them. 

Thank you. 

XXXX XXXX cc : w/attachments XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  To LC-XXXX, XXXX XXXX attachments URGENT I am so confused on what exactly is going on, I need to hire someone to go over all these documents that are being sent to me, and adding signature pages from another modification to the latest document???????? I am so disappointed with my lender that I wish you will sell my loan. please see the following : loan modification approved - great first documents wrong second documents had a different monthly amount and a different interest rate in which those documents were notorized, signed and sent back kept charging me the the first modification amount was wrong, late charges statements wrong online account amount wrong ( in between all this, emails, certified mail, phones calls, etc ) original payment - XXXX 1st wrong modification - XXXX 2nd corrected modification - XXXX called as follow-up and was told monthly payment went up to XXXX plus due to escrow shortage in which I knew nothing about now the attached????? what is this XXXX I NEED SOME REAL SOLID HANDS ON HELP cant even make payments on line keep making changes using the same dates???? making me look like that I am further behind again, but in fact all these changes are way after the fact now we are in XX/XX/2021 Sorry, I have to get help from CFBP to include the Washington DC hot line for homeowners such as myself, who need it, this is a night mare, it was supposed to be help so that I can move on paying my mortgage on time prior to my brother passing. 

Its so simple what are my mortgage monthly payments? 

Thank you. 

XXXX XXXX cc : 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