LoanCare
Reviews and Complaints

My home was totally destroyed by fire. After getting my composure, I called my insurance company. A rep was at the site within an hour of the call, with an immediate hardship check in hand. In route to us he received information that my premium had not been paid. Loan Care was billed in August for premium and the fire was the following January. I had no insurance for four months and Loan Care hadn't even noted it. They set up a replacement policy costing 3x my original premium after 2weeks of phone calls and this policy didn't not have the coverage of my original policy. I have been displaced since January and loan care's policy has no displacement benefits. Where as mind did.

Please if anyone know how to bring a class action case. We have a good ground for it. First i had a modification with PHH., It was done and the mortgage was going forward and no arrears, suddenly someone called me to inform me that i owed $12, 000+. I told her a whole year story and since i have been mailing the mortgage payment to LOAN CARE i have been sending the bank certified check, After that she apologized but says we will send you a package and i told her that i have received a package and send it back, again she apologized again and two days later i got another 12, 000 dollar bill. Have been trying to reach them since the but all effort was in vain. THEY DEFINATELY DID NOT KNOW WHAT THEY ARE DOING.
I need advice anyone please help.

They are crooks and should not be able to get away with this

My Grandparents got stuck with this loan when they bought the home they are living in now. The gentalman that they bought the home through tacked on an exrea $25, 000 in a personal loan and he used this place. The loan became muture and now they want to up the interst on them. The payments are $162.17 and only $.37 cents is going towards the loan. Now they want them (grandparents) to pay $100 more a month.

I'm selling my house and I need a payoff request form before the buyer gets tired of waiting and backs out!

When clicking on any of the payment options, and error message says:

"Sorry, something happened. Try again later."

See attached screenshot.

This has been going on for several weeks at this point.

I submitted paperwork for a loan assumption in July 2022 and Loancare has not processed the request yet.

Is it too late to get involved in this? I tried mortgage Modification but the info the bank provided was incorrect locking me out of the process from the start.

This company is a fraud! They have misappropriated moneys, filed false information,
do not always pay taxes from my escrow account. I get a constant run around. Who can take them on? Is it the Banking Oversight Committee?

House burned 5/16. LoanCare received pay off check on or BEFORE 6/14. LoanCare tried to draft our 7/1 payment. We put a stop payment on it an incurred a fee to do so. Called multiple time to get information. No help whatsoever. Called 7/9 stayed on phone for 55+ minutes. NO RESOLUTION. LoanCare will not apply our final payment and send refund.

Lawsuit against Lakeview Loan Servicing, LLC to stop a foreclosure in Alabama

Hope you find this helpful and if we can help you in any way in Alabama, let us know. You can call us at [protected] or fill out our contact form and we’ll get right back with you.
Thanks
John Watts

JURISDICTION AND VENUE
This is an action brought by a consumer for violations of the Fair Debt Collection Practices Act (15 U.S.C. § 1692 et seq. [hereinafter “FDCPA”]), the Real Estate Settlement Procedures Act[1], 12 S.C. § 2605 (“RESPA”), the Truth in Lending Act (“TILA) and state law by the Defendant including an illegally scheduled foreclosure on December 4, 2017.
This lawsuit is also brought under the authority of Plaintiff’s Mortgage – the very paragraph that Defendants seek to use to foreclose expressly gives Plaintiff the right to bring this court action to assert defenses.
Paragraph 22 of the Mortgage allows for this lawsuit.
Venue is proper in this Court as Plaintiff resides in this County and all Defendants do business in this County.
PARTIES
The Plaintiff is a natural person who resides within this County.
Defendant Lakeview Loan Servicing, LLC (“Defendant” or “Lakeview”) in this action is a foreign corporation doing business in this County, and is considered a “servicer” under RESPA and is considered a debt collector under the FDCPA as it was assigned the debt at issue when the debt was allegedly in default and its in the business of collecting defaulted debts owned by others.
Fictitious defendants A-Z are those defendants who caused or are responsible for the harm done to Plaintiff. Any reference to “Defendant” or “Defendants” or “Defendant Lakeview” includes all fictitiously described defendants as well.
FACTS
RESPA and TILA apply to Defendants[2] and to the loan at issue in this case.
The FDCPA is a federal law that applies to debt collectors such as Defendant Lakeview.
It prohibits deceptive conduct of any type as well as harassing or unfair conduct, even on debts that are owed.
Here, Defendants made false statements to and their conduct can only be described as unfair and harassing.
Defendants have repeatedly violated the strict liability FDCPA.
Defendants are collecting on this debt illegally including the fact that the Defendants have scheduled an illegal foreclosure on December 4, 2017.

Defendants Were Never Assigned The Mortgage And Have No Right To Foreclose
For the sake of time, not every fact will be pled but enough will be to show that Defendant Lakeview does not own this debt and has no right to foreclose.
The mortgage – the document that secures the debt to the property – was signed on August 16, 2010.
It did not involve Defendant in any way.
It was between Plaintiff and MERS (Mortgage Electronic Registration Systems, Inc.).
On February 6, 2017, a “Corporate Assignment of Mortgage” was signed.
And filed in Probate Court on the same day.
It clearly shows the date of assignment as “February 6th, 2017”.
“Assignor: PHH Mortgage Corporation at 1 Mortgage Way, Mt. Laurel, NJ 08054”.
“Assignee: Lakeview Loan Servicing, LLC at 4425 Ponce De Leon Blvd, MS 5-251, Coral Gables, FL 33146”.
The February 6, 2017, assignment was signed by “Jacqueline Watkins, Assistant Secretary”.
It was notarized by Regina D. Brundage in the State of New York, County of Erie.
“David Siwa” of “PHH Mortgage Corporation (PHHM) 220 Northpointe Pkwy prepared the document. Amherst, NY 14228”.
So on February 6, 2017, a signed and notarized and filed document clearly indicates PHH assigned the loan to Lakeview.
One problem.
PHH did not own the loan at this time.
A company, such as PHH, cannot assign what it does not own.
While this sounds like a bad joke of someone selling the Brooklyn Bridge, this is par for the course in the deceptive world of modern mortgage companies.
Remarkably, on February 22, 2017, the mortgage companies attempt to demonstrate time travel.
This is when a “Corporate Assignment of Mortgage” was signed, notarized and filed in Probate Court.
“Assignor: Mortgage Electronic Registration Systems, Inc. as nominee for USAA Federal Savings Bank, its successors and assigns at P.O. Box 2026 Flint, MI [protected].”
Who did MERS assign the mortgage to on February 22, 2017?