Loan Care Mortgage Complaint

Loan Care Mortgage department,

FHA mortgage Loan servicing, payments, escrow account Maryland

My loan was service transferred from - Mortgage to LoanCare Servicing on -/-/2016 ( I was never notified of this service transfer ). I began receiving collections calls from LoanCare in - - I have NEVER paid anything a day late in my life and I knew the mortgage with LoanCare was paid months in advance. I called LoanCare and we were told " sorry you 're delinquent and have to pay. '' After I did a lot of research and digging, I identified that on -/-/2016 - applied a payment to principal in error. I called - and spoke with - on -/-/2016 who acknowledged their error. At my request, I had - call LoanCare with me on the line to find out how - can get their error corrected since LoanCare is the new servicer. The representative we spoke with indicated for - to email - with a copy of the payment history showing their error for it to be corrected within 72 hours, which she did on -/-/- at -. I called LoanCare on -/-/-, was told it has n't been fixed yet. Called LoanCare on -/-/2016, was told they never received the email, called back on


me back - I never received a call back. I then called today and after speaking with another very rude representative, I requested a manager. I specified a manager and was transferred to - who informed me that he was the Customer Service Manager. - in fact is a Collections Team Lead, NOT a Customer Service Manager. - was incredible rude and disrespectful on the telephone to me. After over an hour on the phone ( of which 95 % of that time I was on hold by - ), - disconnected me from the call. I then called back and was put into - 's voicemail in which I informed him that I was filing the CFPB complaint. Later, I received a call back from -, I had to re-send him the information from - and was told that they would try to fix the issue. I am appalled by the level of customer service and the amount of time I have had to spend on the telephone with LoanCare to get a simple payment history error corrected. The evidence of - 's error, from -, has been sent to LoanCare over 3 times now and may payments are still showing delinquent. I am aware of the service transfer laws where I have 60 days until credit report and late fees are assessed, well, that 60 days is up - and my payments are still incorrect. Not only have I wasted my time spending hours on the phone with LoanCare, but I 've been disrespected, talked down to, and hung up on more times than I can count. I have already informed my attorney that to prepare to file a lawsuit if this issue is not resolved as this is unacceptable in my opinion.