LoanCare review: Utterly incompetent and unforgivable experience with loancare mortgage servicing – a nightmare beyond description

Dear LoanCare,

I write this not only as an infuriated customer but also as someone emotionally, mentally, and financially exhausted by the reprehensible treatment you call “customer service.” This isn’t just bad service—it’s negligence, fraud, and cruelty on a scale I struggle to put into words. I sincerely hope this message spreads far and wide so others can see the horrors your organization has inflicted on countless individuals, myself included.

Since inheriting the responsibility for my deceased mother’s mortgage, I have endured nothing but chaos, discrimination, and exploitation at the hands of your incompetent, heartless staff. From the moment I tried to notify you of my mother’s passing, you threw every obstacle imaginable to prevent me from doing what should have been simple: making timely payments.

You denied multiple payments I submitted. You gave ridiculous excuses—claiming documents were blurry or missing, despite me sending them over SIX times. Even after clearing probate and providing every requested legal document, you refused to acknowledge my ownership. Instead, you erroneously listed my mentally disabled brother as executor, despite his complete inability to communicate or manage financial matters. Attempts to assist him on the phone were met with disrespect and outright discrimination—you hung up on us, claiming I was "guiding him." How dare you.

When you finally accepted payments, you set up an auto-debit plan only to tell me four months later that your financial institution suddenly did not accept mine. As if this incompetence wasn’t enough, when I made a Western Union payment (an instant transfer), it magically “disappeared” on your end—yet another payment lost in your bottomless pit of mistakes. With no fault of my own, you forced my account into foreclosure despite my best efforts to comply with your ever-changing, arbitrary demands.

To make matters worse, when I requested loss mitigation, you insulted me by saying you needed my deceased mother’s signature—three years after her passing—despite already having the death certificate and legal documents on file. How is this anything but gross incompetence and fraud? I’ve spent hours—recorded phone calls—being transferred in circles and denied the right to simply make my payments without harassment or obstruction.

And let’s not forget the way you withheld statements. I know many others share this exact frustration—waiting for months or even years to get accurate mortgage information. Instead, you charge unwarranted fees, raid escrow accounts without permission, and create financial chaos for families already grieving, struggling, or fighting to stay afloat. Your actions are the epitome of predatory, unethical behavior.

I’ve lost more than $6,000 through your mishandling, paid over $11,000 to a probate lawyer just to have the right to speak with you, and endured emotional stress beyond anything I imagined. In a time when I should have been grieving and focusing on my disabled brother’s care, I’ve been trapped in an endless nightmare created by your failures.

I demand accountability. I demand that my mortgage account be immediately corrected and that I be allowed to make monthly payments without further issue. You have repeatedly denied me basic human decency and discriminated against a disabled family member, which is unforgivable. This is not just bad customer service—it is systemic cruelty.

To anyone reading this, avoid LoanCare at all costs. If you value your time, your money, and your sanity, take your business elsewhere. This company operates with zero regard for their customers' well-being and has no hesitation in placing people in financial ruin through incompetence, negligence, and deceit. I pray every night that LoanCare receives the justice it so richly deserves for the torment it inflicts on innocent people.

Enough is enough.