Consumer complaint received 2026-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LoanCare, LLC
State: IL

Complaint narrative:
I got behind on my mortgage due to my son having mental health issues and having to be supervised at all times. I got someone to help with that and got back to work last year and filed for a loan modification then paid XXXX months in a row to get approved for the modification and they approved me and sent some documents. You have not rise and sent back to them to complete the modification which I signed them, had them notarized to put them in the envelope that they gave me to return it and gave it to my son to put in the mailbox on his way to work.. I never heard back from them for over a month so I called to ask about it and they said they never received the documents. It makes no sense that I would pay the XXXX months in a row to get them modification then get approved and not send them their documents back. But I did not send it XXXX mail so I could not prove that I sent it and the only thing I could think of is if my son may be put it in a UPS or USPS mailbox instead of XXXX on accident but he said he put it in the right mailbox. And that was in XXXX of last year. They said I would have to apply again and start over to pay the XXXX months in a row to do the modification again so I did what they said which is apply again online I never heard back from them so I applied online again and never heard back from them. I applied XXXX times and never heard back from them so I finally called in XXXX and told them that I continue to apply and they dont send me anything at that time, I was told that I cant do it online. Thats not working that way so I have to email it to them and they gave me an email address so then an early XXXX I did exactly what they said. I sent them all the documents that they needed through email and have proof of that and they never reviewed. It never got back to me never replied to my email and then now Im getting calls from people saying that my house is up for auction in a few days which I was never informed of. I was never served court paperwork we never went to court and I usually ignore all the mail and calls because when youre in foreclosure proceedings you get hundreds of them and theyre all scanned merch but good thing. I actually read one of the text messages saying my house was going to auction and I asked him what he was talking about and he told me that its scheduled for foreclosure auction on XX/XX/XXXX which I had no idea about so I called the mortgage company and I let them know that they are in violation because they never offered me a XXXX modification and my loan is owned by XXXX XXXX and on top of that they never reviewed any of my applications for modification. they didnt approve them. They didnt deny them. They didnt review them at all whatsoever and then proceeded with the XXXX proceedings anyways behind my back without my knowledge and somehow went to court without me even knowing that that was happening or that I was supposed to be there and Im just now finding out that my house is supposed to be auctioned off in a few days and I have {$170000.00} of equity in this home so then they tell me to call their XXXX and I called them and they wont talk to me or tell me anything and Im not back working and can pay my mortgage and just want to resolve this but they wont work with me after they violated so many laws and neglected to do anything that they were required to do based on the application applications and documents that Ive been continuing to send them that they ignore

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