LoanCare

I purchased hazard insurance and sent it to loancare several times. They still have no record of the insurance and purchased much more expensive insurance on my behalf. I spoke with them in September 2021 regarding this insurance issue. They apologized profusely and told me that their online insurance upload system only loads 3 pages. My insurance was a 79 page document. They requested I email the policy to [protected]@mycoverageinfo.com. I sent them the documentation on September 28, 2021. It is now December 10, 2021 and they have not rectified the situation. They have substantially increased my monthly mortgage payment based on the shortage they created by not tracking my insurance info. I called to find out what was going on and they still do not have record of my insurance policy. I am being told they have no record of my email, because they do not track by loan number but by ticket number for that request. So based on the timing of this, I can only assume that the company is fraudulently ignoring my insurance in hopes that I will just attempt to pay the extra shortage, or the company is negligent in handling their insurance coverage information. I have tried to work with the company 3 times on this and have gotten nowhere. I have asked how I will get a receipt that they received my policy and there was supposed to be a ticket number, which I never received. I can provide screenshots of the email I sent on September 28, 2021. I want this situation rectified asap.

loancare phone [protected]
I refinanced my house beginning of Sept, 2021. Unfortunately for me, loancare had already paid my real estate taxes of $1, 138.75 from my escrow acct. At closing, I was told that we have to pay the real estate taxes again because the city had not received them and it was necessary in order for us to close. So we paid the taxes again. Two weeks later I called City of Norfolk to see if they had sent a refund check out and they said they it was being processed. I waited another two weeks, I called Loancare and they said they had not received the refund yet. I called the city again and talked to the treasurer Jenny Brandelen, direct number [protected], they said that they had mailed the check on Oct 28 and that it was cashed by Corelogic on Nov 5, 2021. I called loancare back on 11-16-21 and talked to Keisha agent 93559, she said she would escalate this to another team and it would take at least 3 business days. I waited until 11-23-21 and called loancare and talked to Angie agent 8780. She said that they do not have the check or money to refund me. I told her to call the treasurer so she can verify that the check was cashed on Nov 5. She continually said that they do not have my money. I asked to speak to her manager and she said that I couldnt. I explained to her that I have no choice but to seek legal action, which brings me here first I attempted to contact Corelogic at [protected] and they will not talk to consumers, you have to go through your mortgage. This is maddening that I cannot get my real estate tax refund, which is my money, refunded to me. I, Jesse, can be reached at [protected] if you need more info

LoanCare started returning my ontime payments made thru BillPay (WellsFargo) in September 2021, then reported me 180 days late. Do the math, it's < 90 days since they starting returning payments WHICH THEY SHOULD NOT RETURN. Infuriating. Calls to customer service yield "I don't know why your payments are being returned" ... not very useful.

When you log in to their site, it shows last payment made 11/16/21 and next payment due 11/01/2020. Makes NO sense. See image below. In 43 years of having mortgages, this is by far the most screwed up company I ever dealt with. In fact EVERY OTHER mortgage company had ZERO problems accepting payments. They have marred a spotless credit report in error.

My husband and I applied for a loan modification in April 2021. We've been in forbearance since the pandemic of early 2020. To date, this issue has not been resolved by the loan mitigation dept. The current reason provided to us (dated 8 Nov, 2021) "denied due to failure to provide documentation". In here lies the problem; We began providing documentation repeatedly since April 2021, however there seems to always be missing documents or outdated documents each and every time. We in turn re-provide the said documents each and every time only to be told a week or so later additional documents are still missing. This has occurred at least 10 or more times.

We've been asked to reapply for the loan modification once again.

In September of 2020 I requested, and received a covid related forbearance. I asked for a 60 day and received a 90 day instead, no big deal. In November we started making mortgage payments and when it expired in December we asked for a partial claim to add those payments to the end of the loan, pretty standard stuff I thought. We received our partial claim paperwork, had it notarized and sent back. Here's where it starts to get fun. My mother lives in another state and she co-signed on our mortgage. the paperwork that went to my mother didn't have her correct state on it, so the notary crossed out my state, wrote in my mothers state and sent it in, should be no big deal, right? Wrong, since December or January we have been going over this with LoanCare. If they don't want the partial claim paperwork corrected by the notary then they need to send paperwork reflecting the state in which my mother resides. They literally have me held hostage, I can't refinance because its an open forbearance, even though I've been making payments for a year now

Our loan payment was mailed on September 30, 2021 for the Month of October, 2021 via Certified Mail. It has been sitting in the post office in Philadelphia since October 4, 2021 at 3:33 PM ready for pickup. I have called twice about this matter. The first person I spoke to was a lady named "Felicia" (last name not known) who said she is in "escalations." I asked her if LoanCare employees process mortgage payments when received. She said they do. Then I explained that our October payment was at the post office, ready for pickup. Strangely, she said the problem is due to the post office being slow in delivery of mail. I clearly explained that our payment was ready for pickup at the post office and offered to give her the tracking number. She arrogantly responded that she did not need it!

Today the USPS sent an email advising that if the letter is not picked up by October 19, 2021 it will be returned to the sender. (I am the sender.)

This is not the first time this has happened. Last month (September 2021) we received a billing statement indicating that LoanCare, LLC had not received a payment for August, so we were billed for two months. We mailed a check for the two months and stopped payment on the check that LoanCare allegedly did not receive.

Later, after submitting a check to pay for the two months LoanCare attempted to process the check SUPPOSEDLY NOT RECEIVED. My wife and I received a statement for the Month of October showing a $30.00 "NSF" fee. That fee was waived as it should have been since the was NOT drawn on an account with "non sufficient funds." Due to LoanCare's practices reagarding NOT picking up mail and/or promptly processing mortgage payments a "stop payment" was issued on the check.

My wife and I have all of this documented.

I have seen many people having issues with loan care. I have had a major one myself and I am in the middle of a legal battle for my home. They processed a loan modification that I didn't want extending the life of my loan EIGHT YEARS! Taking advantage of my financial hardship during Covid to make tons of money off of me. Anyone interested in a class action lawsuit, let's get in touch.

They messed up my taxes and put me into the wrong tax bracket so i've been over paying for the last three months now and I have submitted documents proving they have done this. I have called three times regarding this issue and I have just now finally got a confirmation that it has been fixed and the representative I spoke with admitted to me that they dropped the ball on this. My family has been struggling enough and this sure didn't help. I am more than likely going to refinance with another company since I have only been with them a little over a year and I have already had so many issues.

I started having issues in August 2021. Loancare sent me a payoff statement with incorrect amount. After the first cashier check, I did three more attempts to do a payoff but every payment via cashier check or wire transfer had been declined. The amount wasn't applied to my balance and they started to charge me late fee. Customer service is disgusting. I can call 5 times per day and every time get the difference answer from a different person with a promise that everything will be fixed tomorrow.
Then, I started getting letter about foreclosure. Customer service told me they NEVER sent me any letters and have no idea what I'm talking about, and I have to disregard the 3 foreclosure letters.
So, after my several attempts to make a payment, money has never been withdrew from my account. They keep saying no errors found and they don't know what's going on.
I called to foreclosure councilor and I am trying all avenues to get this resolved but seems like it's running in the same circles.

I went into Forbearance due to sudden unemployment related to the pandemic. I had gotten my hardship resolved around April of 2021 and called to start making my regular monthly payments at that time. I had been led to believe that I would be eligible for deferment, and I should have been. They asked a few questions over the phone then told me I was not eligible and would have to submit documents to try and get a loan mod. There is no reason I should not have been eligible for the deferment. It is now been 5 months, I call every day and get a different person saying a different story every time I call. This has been the worst customer service experience of my life. They told me yesterday that my file has not been in review when I have been being told for 2 months it was and we were waiting on the underwriter, now they say they put in in for review but it will be another 30-45 days since it was just put in. This is the most incompetent company and group of people I have ever dealt with. They say I can't talk to anyone higher up than the "customer service" people that don't have a clue what they are talking about. All I want is a resolution and the chance to talk to someone that actually knows what is going on so I can not worry every day what could happen and continue making my regular monthly payments as should have been the case back in April.

In light of Covid, the Human Services department has offered to make mortgage payments on my behalf. I have been trying since May 5th 2021 to get LoanCare Servicing to sign off of these payments. It is now September 8th 2021 and I still can't get a reliable source to handle this request. I have been calling, faxing, emailing regarding this request. I have spoken to countless people, I've been hung up on several times, transferred from department to department to no avail. I find it unrealistic that 4 months have gone by and I can't get help to have FUNDS applied to my account. The needed forms have had to be recreated 3 times now because the deadlines keeps passing.

Good Afternoon,

Its been a whole 1 month, officially in which I asked for a rapid assumption loan form request. They told me I would get my package on the 25 Aug and it is passed 25Aug. I asked for the paperwork as soon as possible and they send the package through snail mail. We are in the 20th century and you decide to delay all the paperwork and give me a timeframe of 4 month for a assumption loan request to take place. This is unacceptable and very unprofessional. You are massive company taking advantage of home loaners across the country. I would like to be this issue to remediated as soon as possible. I have not receive any documentation regarding this paperwork and wondering where they send this paperwork because it has not yet come to me.

We started having issues in October 2019-April 2020. Loancare sent receipts for our payment being received, then a few weeks later we would get a letter stating NSF. The money wasn't being withdrawn from our account. I would call and their records showed it was paid. We finally sent a payment in December because we couldn't get them to auto draft the payments. Thinking this was resolved, it started again in January 2020. I made several attempts to call and resolve this because we kept getting receipts but the money wasn't being taken out of our account. Finally on May 11, 2020 I spoke with someone who realized they had the incorrect banking information for us. I have disputed this with the credit bureau and through Loancare's dispute center. They keep saying no errors found. This has had a very negative effect on my credit and I need this resolved in my favor. I have an excellent payment history on all accounts and if not for this would have excellent credit. I am trying all avenues to get this resolved and to have them delete the negative reporting on our credit

I received a letter in the mail yesterday saying that my application for deferment was denied due to failure to supply documentation. I have attached PROOF of documentation sent to this email for over two months. There have been no emails or calls received from you stating otherwise.

I called today 8/17 and spoke with a laurie who told me I took my loan out of modification which is Not correct. She then left me on the phone for over 10 minutes not speaking said she was chatting online with colleagues. She then transfered me to a fake voice mail.

I called a 2nd time and Heidi answered and said I was missing documents but when I reviews the emails already sent with proof of documentation she told me she would put me on hold to see what was going on and then she never even came back. There as no hold music or anything, just silence.

I then called a 3rd time, and spoke to a Bill who said that my deferment application was approved and that I can start paying in september. However, I can access my online account so he was going to transfer me to online services. I was transfered to a tatiaja who said the loan was transfered to a gregory funding and I can no pay loan care anymore. However, I have not account information or anything regarding Gregory Funding.

I am once again on here writing about loan care. You can read in my previous posts that I have been trying to defer my loan and reinstate it after forbearance. I have been battling with loan care for months sending them endless amounts of all documents requested for the deferment application yet today I received a letter in the mail stating that it has been denied due to not submitting documents in time. Well that is funny loan care i have endless emails week after week emailing the same documents that you were requested. Called multiple times to check in and was reassured I would be able to pay in September. They sent no emails prior or called to update us on these missing documents.

Before this, I also received a letter that the house was going to be in foreclosure even though we were in an approved forbearance for months! Once I called, the loan counselor, he told me that we were not in foreclosure but that this is something they just have to send. What!?

Not to mention, mysteriously my online account never seems to work everytime I try and access it. I constantly am locked out or kicked out or somehow I have not account or need to make a new password.

Some crazy things are going on with the mortgage company and they will not get away with it!

The worst, yet I am forced to deal with them as my mortgage was shuffled and sold to third parties many times over. They claim to help, yet overcharged me three time for escrow and lied about mailing me back the overpayment (took 6mos to get that check to me)!

Then, they advise to make extra payments to principal, yet do not apply it in a timely manner. I had sent them $2000 on 3 occasions to go towards "principal only" over the last months and they only accepted one, while the others are "held in suspense"?!? When asked why it was not then resent to my bank... No answer — they lie and cheat.

They also do not follow up with requests (like a payout letter). And after reading others here who did indeed pay off but never had the lien remove?... You can be sure that i'll be lawyering up.

Avoid if you can.

I have several dates that loan care is making errors on my account. I have made several phone calls, submitted notarized documents my attorney signed, payments returned to me etc. Every time I call to resolve the matter I get a different story.

I need help. This has been going on since march 2021

Lori priest
315 cook lane
Marlborough, ma 01752

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