Loan Care Mortgage Complaint

Loan Care Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account New Mexico

- holds my mortgage loan. They process payments through a company called Loan Care, LLC. I bought my first house in -, 2016. First mortgage payment, processed through - Loan Care worked fine in -. I immediately set up autodraft for my loan payments with this successful info. In -, payment did not go through, so I contacted - Loan Care via phone. They instructed me to use the number on the bottom of my checks as the " account number '' to list on their online form. I did as instructed, received confirmation of payment ( always from LoanCare, occasionally also from - ), and assumed all was fine. Weeks later I received a letter in the mail informing me my payment was not received, and I am now late. I contact - Loan Care again, numerous times to try and resolve, even changing which bank I was using to pull the payment from. Despite making payments with a Loan Care representative on the phone, my payments have still not gone through. When I contacted - to help resolve the issue, I was ignored or run in circles with - Loan Care. I have now been reported as having


account numbers, causing serious security concerns. The reps at - have been untruthful, dismissive, and damaging to my character and my credit. They have taken to simply ignoring my emails. My credit is being destroyed because of a single late payment which was ONLY late because the processing company gave me bad instructions, and then failed to notify me in anything resembling a timely manner. Attempts to pay- - web payment- -/-/16 - successful ( set up autodraft with this info ) - web payment- - - failed - Confirmed successful via email by both companies Contact -LoanCare - - change autodraft to what - Loan Care employee tells me to change it to - web pay- - - failed - + - web pay- - - failed, - Confirmed successful via email by both companies. Contact -LoanCare - web pay- - - failed - + - phone pay with rep- - - successful -Confirmed via email by both companies - phone pay with rep- - - failed - Confirmed successful via email by both companies - web pay- - - credited to - - - reported to credit bureaus as 30 days late. At this point - is the only missing payment, but I had no reason to believe - payment was credited to -, nor reason to believe - was late as the representative from - Loan Care had fully confirmed the payment over the phone. - web pay- - - failed - web pay- - -??? I have tried to resolve this issue with - Loan Care and through my mortgage company, who employs - Loan Care to process their payments. I have contacted 3 different people at - - -, and a half dozen different reps at Loan Care. Neither company has made any attempt at actual resolution. I am trying to be responsible. I pay all of my bills on time- there is no reason why I would intentionally not pay my mortgage. The money is sitting in my bank account. The only reason I was late at all was because I was told to use the incorrect information to process my payment, and then not notified in a timely manner when it did n't work. The information Loan Care has reported to the credit bureaus is incorrect, and will reduce my credit rating for years to come ( currently, it 's cost me - points on my credit score ). I 'm a - year old -, I do n't deserve to have my credit ruined because of the lazy, deplorable service of my mortgage company and its payment center.