Mortgage -- Trouble during payment process -- Complaint #4546892
Complaint Overview
Complaint ID: 4546892
Company: Loancare, LLC
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Trouble during payment process
State: California
ZIP Code: 90024
Date Received: 2021-07-15T12:00:00-05:00
Date Sent to Company: 2021-07-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX : XXXX After being financially impacted by Covid 19, I decided to go into deferment. We were current at the time. The deferment period lasted 5 months, from XXXX to XXXX of XXXX totaling {$9900.00} and not reduced since. A payment was made for XXXX on XX/XX/XXXX which is reflected in the XXXX statement. The following month a payment made and the statement XXXX dated XX/XX/XXXX ) also looks accurate. Same story with statement dated XX/XX/XXXX ( screenshot of payments are attached ). When it comes to XX/XX/XXXX, you will notice that all of a sudden a delinquency notice pops up and now there is a past due amount of {$3900.00} ( exactly 2 months of payments ). No warning, and no trail. The delinquency notice has activity listed which I still dont understand, saying various payments were applied to several months. A payment was made every month, and 3 made in XXXX to cover the {$3900.00}, but I still dont understand where it went to. I need that amount refunded.
Frequently Asked Questions
What is Complaint #4546892 about?
Complaint #4546892 was filed against Loancare, LLC regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2021-07-15T12:00:00-05:00.
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.