Consumer complaint received 2024-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: LoanCare, LLC
State: AZ

Complaint narrative:
My mom passed away on XX/XX/XXXX. She had been paying her mortgage payments for 10 yrs. Her original loan has passed thru a few different lenders. One lender tried to illegally foreclose, I hired an attorney, showed them my proof of fraud, one appearance in court and lender was ordered to stop foreclosure and lower mortgage payment back to where it should be. That lender sold our loan to our current lender. We missed one payment, after that I immediately made arrangements to give lender access to deduct all future mortgage payments from our bank account on the XXXX XXXX of each month. Over the next few months I also gave the lender an extra {$400.00} or {$500.00} each month until the missed payment had been paid in full and our loan was current. It was during that time that the lender said we had to fill out papers for a " loan modification '' if we wanted to keep the lower " interest rate ''. I didn't understand and tried to ask questions, but everyone I talked to made it more confusing with all their " legal '' mortgage mumbo jumbo saying it was in our best interest to do the loan modification, so we did it. That was in XXXX, now I am having to sell my mom 's home only to find out that besides the balance of the original loan we have to pay a " 2nd mortgage lien '' in the amount of {$63000.00}. All I can find out is that someone got HUD involved and they gave our lender {$63000.00} towards our loan. Everyone I call about this tells me I have to call this office or that office, I can't get any straight answers. My mom 's original loan amount was for {$240000.00}, her payments have gone up and down and up again over the years but most of her payments were {$1600.00} a month for the last 10 years. House is going thru escrow now, lender gave our payoff amount as {$180000.00} but the Title company said that 2nd lien of {$63000.00} also has to be paid before escrow can close. Do the math, {$180000.00} + {$63000.00} = {$250000.00} which is {$9000.00} more than the original loan amount. So basically, my mom paid {$1600.00} a month for 10 years and now she owes MORE than she borrowed. What did they do with all the money she paid them? I've got a stack of documents from different lenders, I have 3 or 4 different " DEEDS '' with different names on them, I've got papers showing one lender committing fraud to illegally foreclose, I've got court transcrips. What I don't have is someone honest to help me. I can't handle this by myself, can you help me? Believe it or not, this was a very brief summary of what has been going on, I could talk your ears off for a couple of hours if you want more detail. I won't have any money to pay you until escrow closes and I see what, ( if anything ) I am left with. I don't think I should have to pay {$63000.00}. I didn't ask HUD to get involved, I never received any money from anyone, so how could this money be added to my mom 's loan for no reason?

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