Consumer complaint received 2026-06-23 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: CA

Complaint narrative:
Date : XX/XX/XXXX Subject : Complaint for Violations of the Fair Debt Collection Practices Act ( FDCPA ) Failure to Respond to Debt Validation Letter / Mortgage Loan # XXXX I. Introduction This complaint is submitted on behalf of XXXX XXXX against Loan Care LLCXXXX XXXX XXXX XXXX XXXX XXXX for serious violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692 et seq. Loan Care LLC has failed to comply with federal law by refusing to respond to a valid Debt Validation Letter served on XX/XX/XXXX, concerning Mortgage Loan # XXXX. II. Factual Background 1. On XX/XX/XXXX, Complainant mailed a formal Debt Validation Letter to Loan Care LLCXXXX XXXX XXXX XXXX XXXX XXXX pursuant to 15 U.S.C . 1692g, requesting proof of the alleged debt, chain of title, and evidence of legal consideration supporting the purported mortgage obligation. 2. Loan Care has failed to respond within the statutory period and has not provided any validation of the alleged debt. XXXX. Despite this failure, Loan Care LLCXXXX XXXX XXXX XXXX XXXX XXXX has continued to engage in collection activities and maintain claims of enforceability on the alleged loan. XXXX. By law, all collection activity must cease until proper validation is provided. See XXXX v. XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ( holding that debt XXXX must verify and provide sufficient documentation upon request ). XXXX. Legal Violations Violation of FDCPA XXXX ( b ) : Loan Care LLCXXXX XXXX Loan Servicing , LLC failure to provide verification of the debt within 30 days after receipt of the Debt Validation Letter renders all further collection efforts unlawful. Unenforceability of the Alleged Debt : Until validation is provided, the debt is not legally collectible or enforceable. See XXXX XXXX XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ( holding that a collector must cease collection until verification is provided ). Breach of Contract : Loan Care LLCXXXX XXXX Loan Servicing XXXX XXXX XXXX to provide proof of consideration and loan contract validity constitutes a material breach. Without proof of lawful funding and assignment, the loan contract is void and unenforceable. See XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). IV. Relief Requested Complainant respectfully requests that the CFPB : 1. Investigate Loan Care LLCXXXX XXXX Loan Servicing , XXXX violations of the FDCPA. XXXX. XXXX XXXX XXXX XXXX XXXX Loan Servicing XXXX XXXX to cease and desist all collection activity until proper validation is provided. XXXX. Declare that Mortgage XXXX # XXXX is not enforceable or collectible at this time. XXXX. Impose appropriate penalties and corrective measures on Loan Care LLC/ XXXX XXXX XXXX XXXX XXXX XXXX 5. Require Loan Care LLCXXXX XXXX Loan Servicing , LLC to reimburse any costs or damages incurred due to unlawful collection attempts. V. Conclusion Loan Care LLCXXXX XXXX Loan Servicing , LLC has acted in violation of the FDCPA and breached its contractual obligations by failing to respond to the Debt Validation Letter dated XX/XX/XXXX. Until proper validation is provided, the alleged debt is invalid and unenforceable. Respectfully submitted, _____________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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