Consumer complaint received 2025-01-31 00:00:00
Product: Mortgage — USDA 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: VA

Complaint narrative:
I applied for mortgage assistance in XXXX and ever since I have been lied to by the company multiple times and misguided on how to maintain my residence. I had applied for mortgage modification and was approved after providing all required documents and made it clear that my ex-husband was not in the picture and has not been since XXXX. My modification was revoked due to my ex refusing to sign, however, the company then told me that I should have called and requested a change to the agreement to have his signature line removed, this was in XXXX of XXXX. I had called when I received the document and that information was not provided to me during that call, only after it was too late and the application had been revoked. This was told to me by XXXX, Team Lead of the Bankruptcy Department. I was then advised to apply again for a modification, and was approved again, however, they demanded my trial period payments to be XXXX 's what I was paying for my mortgage payments originally. I made those payments by using all of my savings, maxing out credit cards, and pulling my retirement. I received the new contract, once again with my ex 's signature line, I called and requested to remove it and the representative that I spoke to, XXXX, told me he was unsure why I would be told that, that it would not happen. This was for my agreement entered starting XX/XX/XXXX He looked back in the system for notes and found none. So now, I am going into foreclosure again and am going to be homeless because I have been fighting with this company since XXXX, doing everything they have asked with each application for assistance only to have it revoked or unreasonable. They shortened the term of my loan from a maturity date of XXXX to XXXX, increasing my payments to just shy of {$1300.00}. Not only have I been misguided and lied to multiple times after contacting them several times requesting information on what to do and how to go about doing it. The reason for my original delinquency was due to me being in a XXXX XXXX XXXX  situation for XXXX years where I was unable to keep steady employment due to the extensive physical abuse. Isn't there laws that protect XXXX XXXX XXXX from losing their homes, especially when they are making consistent payments, despite not being allowed to during periods of time when they are processing applications. I have been going in circles and I can not fight with them any longer, so my house is going into foreclosure and I am homeless with no place to go. This company has made it impossible for me to refinance as they have stopped reporting to my credit so it doesn't even show up on my credit reports as me having a mortgage, not to mention during the application periods where they refuse to accept payment despite me trying to pay them, it is showing as I have not been paying for the past XXXX years, which I have been!!! This is the worst company I have ever had to deal with and now I need to pray I can find a new home or someplace to rent and being in the situation that I am in is going to be XXXX near impossible. This company has done nothing but set me up for failure and I pray that I can get retribution for the struggles they have put me through, the impact it has on my XXXX  health which is already terrible due to my XXXX XXXX from being beaten half to death for XXXX years. I want to demand a home or compensation in order to move because what am I supposed to do now. As I mentioned, this company did nothing but give me the run around since XXXX and now I am homeless. They need to be stopped, they should not be doing business as they ruin peoples lives when all they do is try to better themselves. This company will fabricate everything just to screw you over as they did me. I have been through XXXX modification applications only to be told different things each time I call to ask them quesitons about it. XXXX minute I can do something, like remove a signature line, the next I can not. I have all of my call notes, all of my documents and emails, all of my hardship letters outlining everything in detail and I am happy to provide that to whom ever wants to see it, I will share it with the world and make this situation so public! So now what, are they going to put me in a new home??? Becuase that is what I need due to this company not being honest, lying at ever turn, screwing people over giving them incorrect information. I can not even provide exact dates without sharing all of my documentation because it has literally been every time I have dealt with them. Everytime you call them you get a different story, and guess what, all of those different stories only lead you to foreclosure so that they can action your home off and get their money Well I was trying to pay and you wouldnt let me, why approve my modifications if they are not going to let me go through and continue rather than me having to reapply just praying not to be denied I need a place to live now!!!

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