LoanCare LCC. Loan Care LLC., A total mess with this company, changing late and due dates, scamming phone calls before you can reach them forcing your credit card number, locking you out of your account, and excessive phone wait times with 3 hours or more to reach the person on the other end. Virginia

I never thought that a financing company could be so deceitful. When in my third month with my current mortgage provider, my mortgage was sold to Loan Care LLC. I did get behind on my payments, but in attempt to pay them off, I have to get over three hours on the phone or more. I apparently get the same man on the phone. I think he is the same person answering the phone each time.  Needless to say, I cannot get into my account on the website to see if anything is wrong, like paying my house insurance on time in which according to my insurance company is not paid by them to pay in accordance to the policy.

Back to the phone call, sometimes I have to try to make the call the next day. Even though I am three months late on my payment, they make it 4 months late and it hasn’t reach the 4th month payment date to prevent foreclosure, they force me to make two payments at the same time. Yet today, I am forced to listen to a foreigner who I cannot understand for a scamming call for gift call wanting my credit card or I would be disconnected. No choice in the matter to make my payment, then I am told that my call needs collections, now another 3 hours or more of symphony music that could be upbeat, but I know Loancare will make me make another 2 payments before my next payment is due. Like, when did the payment dates change from the due date, have to give out my card to a foreigner who is not in the usual of these calls? Does Loan Care LLC. make their own rules from the original contract and if so, why do I not have a copy of the changed dates they are forcing illegally on me?