Mortgage -- Trouble during payment process -- Complaint #18003568
Complaint Overview
Complaint ID: 18003568
Company: Loancare, LLC
Product: Mortgage
Sub-Product: FHA mortgage
Issue: Trouble during payment process
Sub-Issue: Lien release
State: Georgia
ZIP Code: XXXXX
Date Received: 2025-11-29T12:00:00-05:00
Date Sent to Company: 2025-11-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
LoanCare has refused to validate the alleged mortgage debt or provide trust accounting, bond ledger, chain of title, or the original wet-ink promissory note. They respond only with automated emails that do not address any demands or affidavits served on them. LoanCare is attempting to enforce a debt without validation, violating : RESPA ( 12 USC 2605 ) FDCPA ( 15 USC 1692g ) TILA disclosure duties UCC 3-501, 1-202, 1-308 requirements for proof of claim LoanCare refuses to provide : Original promissory note Full accounting ledger Proof the note was not securitized Proof they are the lawful creditor Lien authority and documentation LoanCare has defaulted by silence and is now in administrative estoppel. I demand the CFPB open an investigation and compel LoanCare to produce all required documentation or update the account to PAID IN FULL and release the lien.
Frequently Asked Questions
What is Complaint #18003568 about?
Complaint #18003568 was filed against Loancare, LLC regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2025-11-29T12:00:00-05:00.
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 (Mortgage) 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.