Consumer complaint received 2026-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: GA

Complaint narrative:
Company Name : LoanCare , LLC Subject : Violation of RESPA Rule 1024.41 ( Dual Tracking ) and Predatory Fee Escalation Description of Incident : I am filing this complaint against LoanCare , LLC for engaging in deceptive and predatory practices, specifically " dual tracking '' and the imposition of unexplained fees while I was in an active loss mitigation process. For over a year, LoanCare has consistently refused to allow me to make payments or catch up on my escrow, despite my repeated attempts to do so. I have been in the process of completing a forbearance application, and LoanCare representatives explicitly gave me until XX/XX/XXXX to finalize the process. However, without any prior notice or contact, they scheduled a foreclosure sale for XX/XX/XXXX. This is a direct violation of RESPA Regulation X, 12 C.F.R. 1024.41, which prohibits a servicer from proceeding with a foreclosure sale while a complete loss mitigation application is pending. They requested more documents but yet scheduled an auction before finalizing my recent application. Furthermore, LoanCare has inflated my balance from {$38000.00} to {$51000.00} in a matter of months. They have failed to provide a clear itemization of these {$13000.00} in additional fees, which I believe are " junk fees '' intended to strip the significant equity I have in my home. They are now demanding {$15000.00} to resume paymentsa barrier they created by refusing to accept my previous attempts to pay. LoanCare is likely dragging this out because I have significant equity. In a foreclosure, they can recover the full debt plus all those " insane '' fees from the sale proceeds. By denying my ability to catch up on escrow now, they ensure the " debt '' continues to grow. The customer service representatives along with Supervisors are incompetent. Its constant lies to deceive homeowners and get us further behind because they refuse to take any payment from me except for a large lump sum Ive told them I dont have. I have told them over and over I can pay Escrow balance in full and resume payments immediately and they wont allow that. Meanwhile they just keep racking up fees. I inherited this house from my Mom and I have federal protections under the Successor in Interest rules. They haven't officially recognized me as the owner, and may be using that as an excuse to ignore my rights. They have all paperwork like death certificate and probate documents but refuse to recognize me as the owner. LoanCare is known for deceptive and predatory practices and they need to be stopped. If I lose my home because of their mistakes, lies, and terrible ethics Im going to be homeless. And thats a shame when I only owe {$38000.00} they continue to increase with insured fees. Attached is the letter of the XX/XX/XXXX deadline for that other documents to be sent, but yet scheduled the auction for XX/XX/XXXX with no notice. Desired Resolution : Immediate Cancellation of the foreclosure sale scheduled for XX/XX/XXXX. A Full Itemization of all fees added to my account since the start of the forbearance process. Approval of the Forbearance or a reasonable repayment plan that allows me to use the funds I have ready for escrow and monthly payments. A Formal Review of LoanCare 's failure to provide notice before scheduling the sale.

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