Date Received: 2021-05-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX I received a credit report alert from XXXX that my mortgage acct was 120 days past due. I called loancare in regards to this and was informed that the 120 day was reporting for XX/XX/XXXX. I don't understand how that can be being that I was in an active forbearance during that time and I am still in an active ch. XXXX and was informed no negative information would be reported. I need some to correct this expeditiously because this will stop me from qualifying for my new home. My loan number was XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29456
Submitted Via: Web
Date Sent: 2021-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have recently applied for a refinance loan, and the new company that is financing the refinance mortgage failed to provide a notice for the first payment that was due. The first loan payment was due on XX/XX/2021. And on XX/XX/2021, I realized that I have not received any notification from the loan company, so I took the necessary steps to register a new, online account with this company to submit the payment online. Consequently, I was able to avoid missed or late payment. When I tried to contact the company to get more information on why they have not provide any kind of notification on that the payment would have been due, they failed to provide any explanation for this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92602
Submitted Via: Web
Date Sent: 2021-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have made multiple phone calls regarding deferment XX/XX/XXXX - I spoke with XXXX regarding Loan Modification and I was told that the new APR would be around 2.75 % but the loan will be extended to another 30 years. She confirmed that the forbearance ends XX/XX/XXXX. XX/XX/XXXX - I spoke with XXXX who told me I need to sign the expense statement and provide a copy of most recent paystubs within 30 days XX/XX/XXXX - I spoke with XXXX. We discussed the OPTION of DEFERMENT as I DECLINED the loan modification that was sent to me because the APR is STILL > 4 % plus the loan is now 40 years. IT DOESN'T make any sense whatsoever. XXXX confirmed that the forbearance ends XX/XX/XXXX XXXX - I spoke with XXXX. he said there are no other notes in the system. He said he will escalate the situation to a supervisor and to call next week to follow-up XX/XX/XXXX - I spoke with XXXX who said EVERYTHING IS SUBMITTED but there is no decision yet and they haven't reached final terms. He confirmed that the forbearance ends XX/XX/XXXX XXXX - I spoke with XXXX who transferred the call to XXXX. She said the case has been escalated on XX/XX/XXXX for deferment review but the case is closed XX/XX/XXXX. She was not able to find out why. She couldn't get a hold of a supervisor so she asked me to call next business day. XXXX - I spoke with XXXX from loss mitigation who said THERE ARE NO NOTES AT ALL REGARDING DEFERMENT. He " advised '' me to sign the loan medication sent before so they have something in writing that I declined it. I don't understand why when 3 other people before him confirmed that the deferment request has been sent! I asked to be transferred to a supervisor but NO ONE IS AVAILABLE. Every time I ask to speak with a supervisor no one is available. NO ONE ever called me back to give me update. Their Customer service line doesn't have an option to speak with anyone unless you pick the option for payment with an agent. No one seems to be available to help me and I am getting very anxious since forbearance is ending soon. I can not pay > XXXX at one time to get the account current.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95827
Submitted Via: Web
Date Sent: 2021-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have requested a payoff statement for 3 different times with myloancare/XXXX XXXX. I am told to wait 30 mins and to then call back. I provided three different email addresses and a fax number and i have yet to received a payoff statement from them. I really don't know what else to do, this is preventing me from closing my loan.
Company Response:
State: MA
Zip: 02169
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have applied for a loan modification In XXXX of 2020. I have called regularly to see how the application is going and what I should do next. Every time I have called, I have been told not to make a payment and that it takes 60-90 days to go through. We are well past that point and 2 managers have been involved trying to get the process to go through. I have filed a complaint and the response was for me to start all over again. They will not acknowledge that they have lost my information and keep trying to say that they have sent me packages to fill out and have attempted to contact me regarding the issue. I have not received any paperwork from them and I had 1 phone call in the middle of the day during the week ( I work full time and can not take phone calls ) I need someone to call me and leave a message so that when I get a break I can call them back to resolve the issue. I feel like what they are doing is illegal. To start this process over will only result in more back payments being added to my loan amount. I want a loan modification and would like to start making payments in the next 30-60 days. The rate of the current loan is double the current market rate and a 40 year loan would significantly reduce our monthly payment and help us get back on our feet and keep our home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX initiated a securities instrument under the guise of XXXX XXXX XXXX XXXX as a corporation organized, and existing under the laws of New York. XXXX was never a registered XXXX or XXXX in NY XXXX at the time of issuance. T he Assignment of Mortgage XXXX XXXX XXXX XXXXXXXX XXXX, successor by merger to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX When XXXX was assigned this note on XX/XX/XXXX they went into the NY XXXX Division to register XXXX on XX/XX/XXXX fulfilling the deception that XXXX admitted int eh lawsuits that were carried out in the Great Recession of XXXX ' the Biggest Scam in American Real Estate. This is " XXXX XXXX ''. The Note and Mortgage are void because the alleged XXXX XXXX XXXX XXXX XXXX stated to be a New York Corporation, was not in fact incorporated in the year XXXX or subsequently, at anytime, by either XXXX XXXX XXXX, or XXXX or any of their related corporate entities or agents. XXXX XXXX XXXX XXXX, and its predecessors in interest had no right to receive payment on the mortgage loan because the loan was invalid and therefore void because the corporate mortgagee named therein, was non-existent, and no valid mortgage loan was ever held by XXXX XXXX XXXX XXXX or its predecessors in interest. The alleged assignment of Mortgage which purported to transfer interest in this mortgage to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as assignee was invalid because Mortgage Electronic Registrations Systems Inc. XXXX MERS ), as nominee for XXXX XXXX XXXX XXXX had no Authority to assign the ownership interest of said mortgage because MERS was not the owner of the subject mortgage and was only a nominee for XXXX XXXX XXXX XXXX, an alleged New York Corporation which was non-existent Corporation. Said purported assignment was without authority, and therefore invalid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49316
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: since transfer from XXXX have been recieving incorrect payment amounts. i have paid XX/XX/2021 payment XX/XX/XXXX, stated not recieved?? paid again today XX/XX/2021 amt XXXX ... ... ... i have a first responder firefighter XXXX homestead exemption. should be only charged for garbage and other misc aprox XXXX dollars per year!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32750
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: In XXXX of XXXX I entered into Forbarence with XXXX XXXX Loan Care Mortgage Servicing company due to the current economic climate at the time. This process was all submitted online, without ANY over-the-phone communication from XXXXoan Care. My Forbarence was approved fairly quickly and I was told to STOP making my mortgage payments until the end of my forbearance period. ( XX/XX/XXXX XXXX Fast Forward to XX/XX/XXXX, I called to make my first payment out of forbearance and a representative informed me my Forbarence " Exit '' package had not yet been completed and to hold off making XXXX payment, and to Call back XX/XX/XXXX. XX/XX/XXXX, I called back and was finally able to make my first of 3 payments of my " probation '' period and was told if I missed any, my loan modification could be held up further. Mind you, I had STILL not heard from ANYONE from Loan Care on how this process would look, nor was I ever given the opportunity to speak with XXXX XXXX after calling his office MULTIPLE times. XX/XX/XXXX, I called Loan Care again and made my second of 3 payments, with still no communication from XXXX or any representative on my forbearance package. XX/XX/XXXX, I made the last payment within the " probation period '' and was told I would hear from a representative regarding my new loan modification agreement and papers would be coming in the mail for me to sign **NOTE : I do want to add, every time I spoke to a payment processing agent, they were all shocked I had not heard from anyone within Loan Care regarding this entire process ... The last week of XXXX, at some point, I received a FedEx package with my new loan modification that showed an additional {$15000.00} had been added to my loan without ANY explanation on how or where that number had come from. The loan modification package explicitly states, I have 7 to sign all documents of the loan modification, have them notarized and sent back to Loan Care or I would revoke my loan modification option. The document, in no way, provided any contact information for questions regarding the modification agreement other than " Contact you Loss Mitigation Representative '' I have tried to contact XXXX, ( mentioned above ) multiple times by phone and email with NO response. When I call Loan Care they do not even give me an option to speak to someone OR input an extension, it is simply an endless loop of automated messages. I ALSO can no longer call to make a payment over the phone, nor can I make a payment online. This company completely went DARK. I am in the process of trying to do a VA XXXX XXXX, however, non of my mortgage statements have been updated and they all read I have been late on the payment since XX/XX/XXXX which clearly violates the Cares Act Mortage forbearance guidelines. Being a XXXX Veteran with XXXX, this process has been EXTREMELY stressful on me and my family and I feel like I am being held hostage by this company. I just want to refi my loan to a lower rate, and cut ALL ties with this Mortage company ASAP
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20148
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I refinanced my home loan and closed on XX/XX/21. My escrow refund was to be issued within 20 business days. As of XX/XX/21, the escrow refund of {$3500.00} has not been received. I sent numerous online messages XXXX to end of XXXX. I reached out XXXX and received a response from Loan Care, LLC, as a result. I spoke to a representative on XX/XX/21 and was informed a check was issued on XX/XX/21. I requested the issued check be cancelled and another check issued via Priority Mail. I was told this would take additional time and a customer representative would reach out to me. As of XX/XX/21, I am once again unable to reach a live representative to direct my follow-up inquiry to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I have been trying to refinance my mortgage which is with XXXX loancare to a lower rate with XXXX XXXX. Loan Care is not responding by not giving payoff amount as of a set date of XX/XX/2021 in writing which they require! it has been over 2 weeks and I have spoken with all reps and gone on the automatic system to get fax back of the amount within XXXX hours and still no response! I do not want to loose my refi rate Loan Care XXXX Pay Off XX/XX/2021 In writing
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A