Consumer complaint received 2024-03-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC (AL)

Loan Care Sent Me a letter dated XXXX XX/XX/XXXX signed by " XXXX XXXX '' containing many factual errors ( see enclosed ). I called " XXXX XXXX ' on XXXX XX/XX/XXXX at XXXX at XXXX and left a message for her to call me back and left my loan info, name and my phone number, but to this day she never returned my phone call despite her voicemail stating she would return my call within XXXX hours. 

On XXXX XX/XX/XXXX I caught a tax error on my XXXX mortgage ( Loan Care is the servicing agent ) on the Loan Care website and uploaded Tax Exempt documents from XXXX XXXX XXXX XXXX to the Loan Care website notifying them that I have never owed taxes on my property with Loan Care since I purchased it in XXXX of XXXX and I do not owe any for XXXX. 

In fact, I had a previously had the same EXACT tax problem with Loan Care in XXXX of XXXX, where I previously uploaded documents showing that I do not owe taxes on my Alabama property which Loan Care services for XXXX Mortgage. As a XXXX and VA permanently XXXX veteran in the State of Alabama, I am not required to reapply for tax exempt status on my property ( see enclosed ). The tax exemption remains on the property until I sell it/die. 

Despite uploading XXXX 100 % tax exempt letters to Loan Care website for the property in XX/XX/XXXX and XX/XX/XXXX, Loan Care incorrectly sent a bulk check XXXX through its payment processor XXXX XXXX to XXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX. I have a copy of the spread sheet that XXXX XXXX sent with bulk check XXXX to XXXX XXXX XXXX XXXX which included XXXX amounts {$300.00} and {$2600.00} for the XXXX parcels that make up my property. 

I called XXXX XXXX XXXX XXXX in XX/XX/XXXX and spoke with XXXX XXXX who advised that XXXX XXXX sent a bulk check back to XXXX XXXX on XXXX XX/XX/XXXX on check number XXXX from their account at XXXX Bank in XXXX, Alabama in the amount of {$130000.00} along with a spread sheet showing my XXXX parcels XXXX PIN XXXX in the amount of {$2700.00} and XXXX PIN XXXX in the amount of {$300.00} are included in the check sent to Loan Care/Core XXXX XXXX XXXX XXXX stated that the XXXX XXXX XXXX XXXX XXXX number XXXX was indeed cashed and cleared XXXX Bank on XXXX XX/XX/XXXX. I have this in writing as well. 

The question is when Loan CareXXXX XXXX XXXX XXXX check from XXXX XXXX XXXX XXXX XXXX XXXX the tax money I do not owe on XXXX XX/XX/XXXX, why did Loan Care generate an incorrect escrow statement on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX showing I would owe {$1600.00} a month which included the incorrect taxes I do not owe that had been returned to Loan Care/Core XXXX and XXXX XXXX XXXX XX/XX/XXXX, XXXX full weeks prior to the incorrect Escrow statement generated on XXXX XX/XX/XXXX? This is a violation of RESPA. 

Why did Loan Care include the incorrect taxes that had been returned to Loan Care/Core Logic and cashed by Loan Care/Core XXXX XXXX XXXX XX/XX/XXXX in my loan balance reporting to all three Credit Reporting Agencies from XX/XX/XXXX XXXX XX/XX/XXXX in violation of FCRA? 

Why does this letter say my new monthly payment is {$1000.00} after Loan Care removed the taxes from my property? I have an escrow statement from Loan Care that now says my monthly payment is {$1000.00} per month?