Consumer complaint received 2022-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LoanCare, LLC
State: ME

Complaint narrative:
This is the letter that I sent to XXXX bank & Loancare : I am writing this statement to you explaining what happened with Loancare starting in XXXX ended XXXX of XXXX. 
I XXXX XXXX XXXX have NEVER been late with a mortgage payment. I am/have been disputing this. I have been requesting a hearing for two years with Loancare and as of now no reply. NOTHING. I have sent letters and Emails to no avail. I was disputing not only an escrow increase issue, but an issue since XXXX that Loancare should not have control of my taxes & insurance. I was in touch with them back then, they said they were working with me because I was trying to re-mortgage. I made it clear to them that my Mortage payment would not include the increase for the escrow. 
Once my mother-in-law took sick, I asked for some more time. After that our conversations got heated. Four times Loancare reps called me on private lines. They laughed at me, accused me of making up stories hung up on me. I did not find out they ruined my credit until XXXX of XXXX. Since then, I have called several times to get my credit fixed. XXXX XXXX reps call back, not one call back from Loancare themselves. In my research I have found out that Loancare had a management shuffle. I call it a house cleaning. I have asked, demanded to talk to those two employees in a XXXX meeting, nothing. In almost XXXX XXXX years Loancare has refused to call me back. NOT ONE return call after I talked to the reps that answers the phones. Why? They can not dispute my claim because the employees are AWOL. Permantally! I lose! 
In almost 50 years of Mortgages & loans, I have never been so upset, insulted, and laughed at like I did with two of their employees. Loancare should be embarrassed. 
This all stems from my complaints after closing on a loan XXXX. That is exactly what I have accused them of ever since. Each and every time I have called. I have stated this was a Fraud loan. That was Then. Now at 4 %, they are stuck with me. By the way XXXX management, XXXX Mortgage closed. The mortgager & his manager both filed XXXX XXXX XXXX shortly thereafter. They close one mortgage, in ten months, mine, then closed the doors lying & misleading me all the way through it!! 
I have accused them of this several times, I threw in the towel fighting corporate America in XXXX of XXXX. 
End result, two employees because of personality conflicts with me INTENTIONALLY ruined my credit. Since Loancare has new management, I have no proof, I have paid dearly. 
You serviced two personal loans to help me pay-off moneys that mostly should have been paid off in XXXX. I am never late with payments. Double when you deduct them like you will one LAST time with this loan, please. 

That folks, was the short version. Any questions from anyone, please call to ask me anything you like, unlike Loancare I have NOTHING to hide. 

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