Consumer complaint received 2017-02-09
Company: LoanCare, LLC
State: TN
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This is my first VA loan. I chose XXXX Mortgage and they have shared and sold this acct to several other companies. After falsifying documents and violating TN codes and statutes. Being that they have violated the laws to alter the the deed of trust the document can not be attached to the existing acct. The company claiming possession of the acct with a new acct number is LOANCARE. Once I received notice that the acct had been transferred and a new acct number created I contacted them before the first payment was due. I received a monthly statement dated XXXX/XXXX/XXXX on or about XXXX/XXXX/XXXX from Loancare before receiving notice from them that they were in possession of the account. Which was on or about XXXX/XXXX/XXXX. The notice of transfer was dated XXXX/XXXX/XXXX. I contacted the company XXXX/XXXX/XXXX and asked for a payoff statement, debt validation and full disclosure to include a copy of the original wet inked signature page ( front and back ) of the promissory note. I requested these documents due to the fact the company delivered incorrect contact information and no payoff amount while on the call. I wanted to be sure they gained information honestly. Also to be sure no additional misinformation was transferred. I told them I wanted no future problems. Also to send it asap so the payment would n't be late. And informed them not to report to any agencies until they sent the requested documents. I was told the information would be sent out to me that day. The documents never came. I contacted them on XXXX/XXXX/XXXX the same request and still nothing. Although they say they sent them out and acknowledged that the request was made on an earlier conversation. I was told the documents would be expedited to me by XXXX a rep. The documents never came. Although while waiting on the documents I received a DELINQUENCY NOTICE XXXX/XXXX/XXXX with threats to jeopardize my credit rating, LOAN MODIFICATION ( XXXX/XXXX/XXXX ), NOTICE OF THE RIGHT TO FORECLOSE ( XXXX/XXXX/XXXX ). I contacted them XXXX/XXXX/XXXX and was routed to a dead phone line, they hung up on me. I called back on XXXX/XXXX/XXXX. On this phone call after speaking with a collections rep and a collections supervisor it was brought to my attention that the acct was trans ferred on XXXX/XXXX/XXXX and all of my calls since the beginning were routed to collections. Also the fact the collections dept could n't order documents. I spoke with a customer srvc supervisor that asked if any rep ever told me to put the request in writting. I told her no and sent the request in writting via email ( recommended by supervisor ) on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I received an acknowledgement email stating they would conduct a thorough investigation and reply in 5 days. Also not to resubmit as it would cause delay. They never responded. On XXXX/XXXX/XXXX I contacted them and a digital email was sent to me with XXXX pages. I had been told on several occassions by reps that the acct consisted of XXXX, XXXX and XXXX pages. I was told again that a paper copy would follow. It arrived XXXX/XXXX/XXXX. It was only XXXX pages. I informed them that the documents were n't copis of the original. The rep stated that XXXX XXXX granted the right for them to do what they were doing. That they had my promissory note with signature now and excuses would not stop them from enforcing collections with or without giving full disclosure.. That they intended to report to the agencies on XXXX/XXXX/XXXX and they would send The Notice of default. I informed him that the Notice had already arrived. Meaning that they had accelerated the process without due process. He was extremely rude, argumentaive and threatened foreclosure. He said the documents on screen were true and exact. My goal is clarity, validation and how they plan to foreclose utilizing a deed of trust being that no Master form of Mortgage was ever filed with the County. It 's the LAW! XXXX and 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