Debt collection -- Attempts to collect debt not owed -- Complaint #12089306
Complaint Overview
Complaint ID: 12089306
Company: Loancare, LLC
Product: Debt collection
Sub-Product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was already discharged in bankruptcy and is no longer owed
State: Michigan
ZIP Code: 489XX
Date Received: 2025-02-14T12:00:00-05:00
Date Sent to Company: 2025-02-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
RE : Account number XXXX ; and Misrepresented Instrument - Bill of Attainder / Foreign Bill of Exchange titled Loan Statement dated, XXXX. There are two different loan numbers for XXXX XXXX XXXX XXXX XXXX. As of this date you have waived your due process rights by failing to answer and prove your claim of an alleged debt which constitutes default. Your default stands as conclusive evidence of your admission by silence to you being guiltynof fraud and swindles under Title 18 USC 1341. Your default also stands as conclusive proof of you having no valid claim of a debt, and proof that your misrepresented instrument - bill of attainder /foreign bill of exchange titled MORTGAGE STATEMENT dated XX/XX/XXXX, and any other instrument associated with account number [ redacted ] XXXX are unconstitutional, notwithstanding. null and void ab initio, and are unenforceable for fraud. See United States v. XXXX, XXXX XXXX. XXXXXXXX XXXX XXXX ( " Fraud vitiates the most solemn contracts, documents, and even judgments. " ) .XXXX : Account number XXXX ; and Misrepresented Instrument - Bill of Attainder / Foreign Bill of Exchange titled Loan Statement dated, XXXX. All correspondence have gone or answered has the statutory 30 days required by federal law.
Frequently Asked Questions
What is Complaint #12089306 about?
Complaint #12089306 was filed against Loancare, LLC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-02-14T12:00:00-05:00.
How did Loancare, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Loancare, LLC?
Yes, visit the Loancare, LLC company profile at readthecomplaint.com/company/loancare-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.