LoanCare review: Mortgage servicing

It started in August 2023, when I switched Banks from Wells Fargo to Bank of America. I called Loan Care and said not to draft the payment because I did not receive my extra pay (it was held until the next pay period), and my $1500 State check was held for 10 days by Bank of America, due to a clearing house problem on their end! They attempted to draft the payment anyway twice and both times I paid fees. I called them and said I would make two payments in August, one on the 17th and one on the 30th. I used Bank of America to pay my bills and it showed processed for both payments. I got sick and did not think anything about it, and assumed the mortgage was finally up to date, even though I had a negative 30 days on my credit bureau, that was not my fault entirely. I then received a phone call from Unity Bank to inform me Loan Care got hacked. I explained that two payments were processed to make sure they were applied. The mortgage officer said it should be fine. I heard nothing until a notice came in November that I owe 2 loan payments plus fees because the payments never came and now I am 60 days late. I called my mortgage officer in a panic and they said at least make one payment before the 1st so you are not 90 days late. I called Loan Care and this is where I was treaty so poorly by someone who talked down to me and would not listen to my circumstance. I said I can pay 2500.00 right now but they suspended me from using on line servicing due to 2 returned payments. I was in a panic, since it was right before the July 1st holiday. Very snippy she said go get a cashier check and then overnight it at the post office. I spent the entire day doing this task in a panic. Finally I went to the post office, for them to tell me that due to the weekend and then holiday of Monday, it will not get to them until January 2, 2024. I just stood there and cried, knowing that I will now be 90 days past due on the 2nd. She could have helped me but instead did not listen to a word of what I have gone through or my circumstances. I was going to move in the near future but now my life is ruined because I cannot get a mortgage. My credit score due to this went in the toilet after paying everything perfect. I now received a letter that I owe 3500 due to another payment coming due and all the fees. I took a pension loan and through Bank of America sent them the money to make the account current. It says processed but once again it is not showing so I called them and got little interest and said she does not know what to tell me. Wait to see on Monday if it is processed. I called Bank of America and they said it was processed but then put back in the account which was confusing but never heard anything. I have the records that show processed and that Bank of America have a clearing house glitch and my 1500.00 check on them was held for 10 days, but they did not care. I asked for a supervisor and was on hold so long that I hung up and cried.