Loan Care Mortgage Complaint

Loan Care Mortgage department,

VA mortgage Loan servicing, payments, escrow account Texas

To say we are frustrated is an understatement and after reading the comments on your site, we are even more frustrated with the company ( Loancare ) that purchased our mortgage. So, I am taking all the emotions out of this letter and putting facts only. Me and my wife were both unemployed, but continued to make our payments ( though they were late, we were never 30 days past due and all late fees were paid ). For our -/-/2016 payment ( still behind one month ), I made out a check and mailed it to - ( our servicer at the time and having no idea our mortgage servicer had changed to Loancare ). That evening I told my wife I had sent the payment and she told me it would not be there on time so she immediately did an online payment to - ( posted -/-/- as the payment due -/-/- ). We stopped payment on the check and contacted - to let them know what we had done.


Not knowing this, we made the -/-/- payment on -/-/-. We setup the automatic payment and it paid the -/-/- payment on -/-/-. While doing our balance, I noticed our -/-/- house payment had not cleared so I contacted Loancare. No disrespect, but the lady was very hard to understand and seemed almost angry that I would contact them since it was " my fault '' for the check. I asked why my automatic payment was stopped without my knowledge and she said it stops automatically when you are behind. This made no sense to me, why would you stop an automatic payment? I tried to explain that we had contacted - about the check, but she would not listen. I immediately made the payment - and after moving other funds around, made a second payment, -/-/- ( with late fees ), to make sure we were completely caught up. Though I feel there are a lot of issues here, my main issue is this, our automatic payment would have maintained our account in good standing ... Loancare is the one that stopped it, not us. Since they stopped the automatic payment, it should not affect our late payment pasted 30 days. Also, this was three months after we had contacted - about the stopped payment check. I did send Loancare a request for help on their support email, but to date have not received a response. We have worked very hard to maintain our credit so we are simply asking that the over 30 days late be removed from our credit report. Thank you for any assistance you can give us. Respectively, - and - -