Loan Care Mortgage Complaint

Loan Care Mortgage department,

FHA mortgage Credit decision / Underwriting Virginia

I missed a payment in -/-/- with Loan Care. I applied several times for a Loan Modification, but was turned down each time. - -, they contacted me for a loan modification. Loan Care signed me up for their loan modification program. I had to make a payment -/-/-, - -, and the - of each month, which I did. I used my debit card, and noted the name of the person to whom I gave the payment, since they would never give me a confirmation number. - -, Loan Care turned my account over to - - - ', which is another division of their company. I continued making my payments with - ' per my agreement with Loan Care . When I completed the loan modification program, I attempted with a couple different companies to refinance my mortgage at a lower rate, which would lower my monthly payments. I learned The - - had reported my -/-/- payment as late, and reported my -/-/- payment as not being made. Thus no other company would do a refinance for me, and The - - could keep charging me a higher rate. I contacted the - - citing names and dates of my payments. They refused to remove their wrong information from my credit report, stating they could report whatever they wanted because I was in a loan modification program at the time.