Consumer complaint received 2025-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LoanCare, LLC
State: CA

Complaint narrative:
XX/XX/XXXX : Began loan modification process with a hardship letter to LoanCare. 
XXXX XXXX : LoanCare ( XXXX ) repeatedly requested documents XXXX at a time, then delayed responses until items became outdated. 
XX/XX/XXXX : Submitted full package. 
XX/XX/XXXX : Updated pay stubs requested and provided. Modification approved $ XXXX ( ish ). 
XX/XX/XXXX : First payment accepted. 
XXXX XXXX, XXXX : Second payment rejected due to property liens found in escrow process. 
o XXXX XXXX XXXX XXXX ( {$1000.00} ) and obtained release. 
o XXXX XXXX XXXX XXXX ( {$7300.00} ). I offered to pay in full, but they rejected my offer and inflated the amount due to {$12000.00}. I offered {$9000.00} even though they couldnt tell me anything other than the original amount was {$3300.00} but they didnt know who the original debtor was. My {$9000.00} cash offer was refused. 
o Forced into XXXX  XXXX bankruptcy ( filed XX/XX/XXXX ) to protect property. 
Late XXXX : Reinstatement plan accepted ( now XXXX XXXX ). 
o Payments XXXX XXXX made ; XXXX payment denied due to LoanCares error in addressing a form o They sent me a form via XXXX, addressed to only XXXX XXXX XXXX, CA with XXXX XXXX address. Ive never lived or worked in XXXX! 
o Because I didnt receive the form, I could not sign it or send it back o Appeal filed XX/XX/XXXX ( Ignored & resubmitted later that month ). 
XXXX : o Payments made on time for all of XXXX o XXXX : new modification process started ; inconsistent acceptance of payments. 
o XXXX : discovered documents were sent to an unknown woman in XXXX XXXX listed as having Power of Attorney for mecompletely false. Revoked PofA immediately. 
XXXX : o Continued regular {$3200.00} payments XXXX. 
o LoanCare still mailed correspondence to the false PofA address, causing missed notices. 
o XX/XX/XXXX payment increased to {$3500.00} without explanation ; I continued paying {$3200.00} {$3300.00} monthly because I didnt know there was an increase as notices were being improperly mailed. 
o XXXX : attempted bi-weekly payment plan ; LoanCare rejected payments. 
o XX/XX/XXXX : resumed full payments and paid on time each month through XX/XX/XXXX : o XXXX : receive notification of pending foreclosure. They think XXXX $ XXXX behind I can demonstrate that XXXX not. They ignore it. 
o Started a new modification package with payments of $ XXXX signed & returned. XXXX XXXX & XXXX. XXXX payment was denied. 
o XXXX XXXX states denial of modification agreement sue to the XXXX signature being illegible. 
o XX/XX/XXXX : Spoke with XXXX at LoanCare ; verbally accepted XXXX modification now at $ XXXX. 
o XX/XX/XXXX : XXXX signed & notarized documents via FedEx. 
o Made XX/XX/XXXX & XX/XX/XXXX payments. 
o XXXX : XXXX payment returned ; LoanCare claimed I never sent the package ( I have proof of delivery attached ). 
o LoanCare states reason for denial this time is because I sent the docs via XXXX overnight rather than XXXX. 
o XX/XX/XXXX : Filed formal appeal and complaint. 
o XX/XX/XXXX : Received notice that foreclosure will proceed. 
XXXX XXXX XXXX legal counsel, XXXX XXXX XXXX, XXXX, has issued active foreclosure notices despite clear evidence that I complied with every term of the modification agreement. Their actions appear to be deliberate bad-faith servicing.

Company response to consumer: Closed with explanation