Consumer complaint received 2025-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: FL

Complaint narrative:
I am filing this complaint to request a federal investigation into the handling of my mortgage loan by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, LoanCare , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and any affiliated third-party entities such as XXXX 

These companies have engaged in conduct that violates consumer protection standards under the Real Estate Settlement Procedures Act ( RESPA ), Fair Credit Reporting Act ( FCRA ), and may constitute unfair, deceptive, and abusive acts or practices ( UDAAP ) under Title X of the Dodd-Frank Act. 

Their actions have also triggered privacy and financial harm and obstructed accurate property tax servicing in the state of Florida. 

Detailed Issues and Violations : - Failure to Identify Mortgage Holder and Servicer ( RESPA Violations ) - According to the XXXX XXXX XXXX Collector and Property Appraiser, no mortgage company is listed for my property. 
- XXXX and LoanCare are not shown as the mortgage holder or servicer, yet continue to send monthly statements and attempt to collect payments. 
- XXXX is listed as the Tax Payor/Escrow Agentbut I have no contractual relationship with XXXX. 

I am requesting clarification on who legally owns and services my mortgage loan. 
- Collection Attempt by Unknown Entity I received a call from ( XXXX ) XXXX attempting to collect a mortgage debt of {$6200.00}, despite having sent payment via check through my bank, made out to LoanCare, and mailed to the exact address listed on my monthly statement. 

The caller claimed that LoanCare is not the proper payee, directly contradicting the documents issued to me. 

This is potentially a debt collection violation if the caller was not legally authorized or failed to provide verification. 

Illegal Collection Reporting and Mishandling of Payments Despite proof that checks were sent on XX/XX/XXXX, to the correct address provided by LoanCare, LoanCare sent my loan to collections.

This occurred after I sent confirmation of payment and is a violation of RESPA and may also qualify as a misrepresentation of debt under 15 U.S.C. 1692e of the FDCPA. 
- Failure to Accurately Report to Local Government Agencies- XXXX and LoanCare failed to claim and report my mortgage to the XXXX XXXX XXXX XXXX Collector and Property Appraiser for the years XXXX, XXXX, and XXXX. 

This resulted in confusion regarding who is legally responsible for taxes and escrow disbursements, violating RESPA 1024.17 ( Escrow Account Servicing ). 

As of this complaint date, no action has been taken to correct the information with these offices. 
- Data Sharing & Privacy Concerns Related to XXXX I am also concerned that XXXX, listed as my Tax Payor, may be involved in this loan without proper consumer disclosure. 

XXXX involvement is undocumented in any of my mortgage contracts or statements. 

If data was shared with XXXX  without my consent, this may violate the Gramm-Leach-Bliley Act ( GLBA ) and FIPA ( Florida Information Protection Act ). 

Violations Alleged : RESPA ( 12 U.S.C. 2605 & 12 CFR 1024.17 ) Failure to identify mortgage servicer, mishandling escrow FDCPA ( 15 U.S.C. 1692e, 1692g ) False representation and lack of verification of debt FCRA ( 15 U.S.C. 1681s-2 ) Furnishing inaccurate information to third parties Dodd-Frank Act ( 12 U.S.C. 5531 ) Unfair, deceptive, or abusive acts or practices ( UDAAP ) GLBA and FIPA Mishandling or unauthorized use of consumer financial information

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