Consumer complaint received 2026-02-09 00:00:00
Product: Mortgage — FHA 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: GA

Complaint narrative:
This is a 2 part problem that I have previously notified Loancare of and they have not even called me to follow up nor fixed either issue. I am in default and was going to appeal Loancares decision that there was no foreclosure allternatives for me. Loancare does acknowledge I truely have a hardship in writing but I was put into a trial plan that was impossible for me to pay. I made Loancare aware but nothing was ever changed or corrected as they had just had my loan transferred to them from XXXX XXXX. i was in medical forbearance with XXXX XXXX  until XX/XX/XXXX. Loancare became my mortgage servicer on XX/XX/XXXX and I did ask to continue a medical forebearance plan while waiting on Social Security XXXX to make a decision as I have not been able to work with XXXX XXXX, XXXX and XXXX problems and at doctors or pysical therapy or mental health therapy every day of the week to cope with the financial and medical issues that have brought me to the edge of foreclosure. Loancare would not agree to medical forbearance and put me in the trial payment even though I made them aare I could not afford {$930.00} when I could not previously afford the payment of {$890.00} that caused me to become delinquent. The prooblem is Loancare is demanding I pay {$8900.00} and there is no other alternative for me other than pay or forelosure. I was protected under medical forbearance til XXXX XXXX with XXXX XXXX so Loancare is askiing for way too much money. I have called Loancare and reminded them the date they became my servicer was XXXX XXXX and I am not getting an answer on how they could be charging me almost 10 payments at the XXXX? I am sending out a letter of error and i want foreclosure to stop or if not started to hold until this amount can be explained and then let me send my new financials as they have changed. 
Second problem I asked loancare iwhy they did nnot pay XXXX property taxes because I had until XX/XX/XXXX to pay or make a payment arrangement with XXXX XXXX before the home was at risk of being takenj from myself and Loancare. My taxes and insurance are escrowed nto the payments in an FHA loan. Loancare asked me to fax the tax blll to them when I spoke to them with 2 weeks left for them to pay the taxes. I faxed the bill which I believe if they had my full file should of beeni included when they got the loan in XX/XX/XXXX and I asked them if they had my full file after I called back on XX/XX/XXXX and they did nothing to pay taxes up to that date. I had to go to the tax office myself put a down payment on the property taxes that Loancare did not pay after being called 2 times and having the tax bill faxed too them. I am now obligated to pay {$360.00} a month to the XXXX XXXX XXXX collector and being charged by loancare also for property taxes on my home. After this I am sending Loancare an appeal on their amount tjhey say I owe plus the failure to properly service the loan and again told them to stop any foreclosure proceedings if started and if not do not start any. I also asked for a full accounting of the {$8900.00} I received a letter demanding me to pay plus a full copy of my file they received from XXXX XXXX because with this mistake I was sure they did not have my full file after a rep at Loancare agreed that they did not have my full file. Then when this has been fixed including paying the property taxes to release me from my obligation to pay it myself to the county while at the same time being charged for taxes by loancare, I will fill out a new harpship package with them so they may work with me with correct accounting and proper servicing of my loan. I did double check and no payments other than my down payment have been made on XXXX propeety taxes on my home.

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