Consumer complaint received 2021-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I have a Prior complaint regarding Forbearance complaint number XXXX that was closed. Today I Received an email on XX/XX/XXXX regarding a letter from Loancare Dated XXXX XXXX from XXXX XXXX Office of the Customer.

Referring to the forbearance plan This letter states XXXX XXXX to XX/XX/XXXX Another XXXX XXXX letter states to XXXX XXXX An XXXX email states click this button to renew. For additional 180 days. 

This letter states that I am denied for the Forbearance due to the Co - Borrower had no Knowledge need Approval per letter. First and for most, I must say that loan Care Has in their records that XXXX XXXX has not lived in this home since XXXX XXXX The home is owner occupied by XXXX XXXX, XXXX XXXX has called and changed the address and this you can see in the records where the statements did not come to XXXX XXXX XXXX that I was making the payments maintaining the house and property that I had to put a password on the account so my sister could not get my information XXXX XXXX and the password would help that nobody could just call in and keep changing the address or go online so when you say that XXXX did not know about the forbearance that is incorrect for one she did not live here she changed her address. two I was the owner that was truly owner occupied at the time. Three I never represented the XXXX XXXX was living here under the forbearance and Loan Care knew that we have been in litigation since XXXX of last year and their response is they do not get involved in situations like this and they let the court handle that end. Our House interest form was changed to the XXXX XXXX XXXX address. My Mother was well aware. The attorneys have been back and forth. 
and that is where we have been. 
I did not request a modification. 

XXXX lawyer has told the court on several occasions she was in no position to help pay the mortgage. XX/XX/XXXX XXXX tried to force the sale the court was denied. The court was well a where of everyone struggling, .In arguments. 




I have paid the mortgage and the upkeep insurance any late fees I brought current earthquake insurance, then Covid 19 hit, I was sick Financially hit. This is why we both have a lawyers. Your Letter states XXXX XXXX XXXXki Co BorrXXXX XXXX 
Claims no knowledge meant I am confused how you can speak to XXXX XXXX and her attorney and give information about XXXX with the privacy laws and with the password that is on the account. 
Especially with no court order and your position on what Loan care has said about litigation again you can check through the file to see all of the notes I will attach some that I have to this file, below will be the email copied and paste that Ms . XXXX sent that you can see what was all three of theres communication with XXXX XXXX  that I would like to please enter in this complaint with detail with your letter from your Department. 

if XXXX XXXX  will refuse the extension of the forbearance and if so, putting our home into foreclosure in XXXX as her letter states and the total {$14000.00} is owed as stated in XXXX Attorney s email below I would like all this in writing please in the response.Ms.Gilreath email down to 33 days. 


Also Explanation of a letter I received today dated XX/XX/XXXX XXXX. In regards to error notice of error of acknowledgment to our loan number. 
On XXXX XXXX Here are the Emails Of the Attorneys. For your Records. 



From : XXXX XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX PM To : XXXX XXXX XXXX Subject : XXXX XXXX XXXX XXXX XXXX, My clients and I had an informative conversation with the XXXX XXXX XXXX  company this morning. As you may or may not be aware, the forbearance ends on XX/XX/XXXX ( 42 days from now ). XXXX XXXX Mortgage had no choice but to grant the forbearance since it was a government program related to the Covid pandemic. 

That being said, the loan must be brought current as of XX/XX/XXXX. The balance as of today is {$10000.00}. The monthly mortgage amount that your client was unable to pay was {$2100.00}. Doing the math, the balance as of XX/XX/XXXX, will be approximately {$14000.00}. 

Presuming that your client does not have the ability to come up with the {$14000.00} to bring the mortgage current, the foreclosure process will begin in XXXX. 

We had an excellent offer of {$770000.00} procured by a real estate agent selected by Ms. XXXX and once again Ms. XXXX refuses to accept the offer. I'm not sure how or why she believes that foreclosure is a better option. Please know that we will once again be seeking a court order to sell the property. We will also request that the court order {$30000.00} to be distributed to Ms. XXXX and to Ms. XXXX with the balance to be held in escrow pending the court 's further determination regarding distribution. 

Thank you, XXXX XXXX, XXXX. 
Phone/Fax : ( XXXX ) XXXX | Web : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX California XXXX How can I help? Click here to Schedule a Call with me. 

Below my Attorney Dear XXXX, My step mother just passed away, and I am traveling, so I wont be in a position to respond to the nonsense contained in your email until I return to the office on XX/XX/XXXX. 

Simply agree that 25 % of the net proceeds goes to our respective clients, with 50 % being held in escrow and we have a deal. 

Its time everyone stops being foolish and moves on with their respective lives. Rest assured, we will vigorously defend XXXX XXXX at trial. Its your clients move. 

Very truly yours. 

XXXX XXXX XXXX Get Outlook for So you are aware the Court is involved So in ending Per your letter I would like to extend the Forbearance, I again this is asking for assistance. To continue. 

Ms , XXXX did not acknowledge she was going to stop paying her share of up keep or transfer House To XXXX XXXX, Or Create A new trust move out when, I was on vacation with family. 
What Has changed she needed assistance and care. 
XXXX has XXXX issues. 

Called XX/XX/XXXX said kicked me off plan on XX/XX/XXXX XXXX pass word was created XXXX to XXXX he said it should be done the end of business day or tomorrow my password on the account Called XXXX! XXXX no alerts XXXX XXXX XXXX trying loan care to get me to litigation she did not see any thing either XXXX  said she will mail everything out to me XXXX XXXX XXXX Id XXXX said it was all mailed out Friday XXXX - XXXX - XXXX Called XXXX XXXX XXXX mins on phone XXXX XXXX should be mailed out XXXX Id XXXX XXXX Id XXXX XXXX called again about loan doc Taxes paid XXXX XXXX Interested paid XXXX XXXX XXXX XXXX sending Id XXXX Sincerely, XXXX XXXX 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