I purchased my home on June 10, 2021. Loancare purchased the loan in August 2021. I received a delinquent notice from Harris County Property tax office early August so I called the tax office immediately and they said that loancare paid the taxes. but they were late. so I called Loancare and asked 5 people WHY? were any taxes paid from my account LATE? no one could give me an answer. then I received a letter on August 23, 2023 from Loancare stating my escrow account was negative $6466.99 and my mortgage payments were increasing over 700. 00 a month. I called Loancare and no one could help me and they assigned me a case worker and case number. after researching and investigating this (which is what Loancare should have done) I was told by HC Tax (Property) office is Loancare never made 2021 or 2022 tax payments and just made them on July 31, 2023 along with School and Water taxes. which were paid late as well. after filing a complaint with RESPA and CFPB, their response included false statements, contradictory, and inaccurate statements, and amounts and at the end of their letter they said they ran another escrow statement and now I was 7500.00 negative!
Claimed loss: I've been investigating this ever since August, I have lost wages, been to see a doctor for stress related stomach issues, now i have to hire an attorney they will not answer my calls...
Desired outcome: I want my loan restructed, i want the late penalty and attorney fees waived and for them to take responsibility for late payments to tax offices. I WOULD LIKE TO REQUEST THEY SELL MY LOAN TO A REPUTABLE MORTGAGE COMPANY