Mortgages
LoanCare: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 243
- Closed with money back
- 0%
- 2023 to 2025
- 100 to 85
Servicemembers filed 14% of LoanCare's 1,736 complaints in the window, against 2.5% across the directory. The complaints are mostly about mortgage, and the single most common issue is "Trouble during payment process". 0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count fell from 100 in 2023 to 85 in 2025.
What the complaints are about
By product
| Mortgage | 213 |
| Credit reporting or other personal consumer reports | 17 |
| Credit reporting, credit repair services, or other personal consumer reports | 7 |
| Checking or savings account | 2 |
| Money transfer, virtual currency, or money service | 2 |
By issue
| Trouble during payment process | 112 |
| Struggling to pay mortgage | 72 |
| Incorrect information on your report | 18 |
| Applying for a mortgage or refinancing an existing mortgage | 11 |
| Improper use of your report | 10 |
| 2023: 100 | 2024: 58 | 2025: 85 |
Which accounts, specifically
| VA mortgage | 160 |
| Conventional home mortgage | 48 |
| FHA mortgage | 36 |
| Credit reporting | 25 |
| Checking account | 2 |
What went wrong, specifically
| Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure | 38 |
| Escrow, taxes, or insurance | 34 |
| Trying to communicate with the company to fix an issue while managing or servicing your loan | 28 |
| Payment process | 23 |
| Reporting company used your report improperly | 10 |
Busiest month: November 2023, with 18 servicemember complaints. Most were submitted by web.
Most complaints came from TX (39), FL (36), CA (22) , then GA, VA, AL.
How LoanCare answered
| Closed with explanation | 243 | 100% |
LoanCare responded within the CFPB's 15-day window on 97% of servicemember complaints (directory-wide: 99%). Where the company published a response, the most common was: "Company has responded to the consumer and the CFPB and chooses not to provide a public response" (233). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Mortgage; Struggling to pay mortgage. CA, 2024-08-30. Outcome: Closed with explanation. Complaint 9968517
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Mortgage; Applying for a mortgage or refinancing an existing mortgage. AZ, 2024-08-06. Outcome: Closed with explanation. Complaint 9719901
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Mortgage; Trouble during payment process. CA, 2024-07-29. Outcome: Closed with explanation. Complaint 9644859
If this is your problem at LoanCare
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with mortgages peers
- Rocket Mortgage 228 servicemember complaints; 1% with money back
- Select Portfolio Servicing 220 servicemember complaints; 0% with money back
- M&T Bank 287 servicemember complaints; 5% with money back
- United Shore Financial Services 202 servicemember complaints; 1% with money back
- Planet Home Lending 188 servicemember complaints; 0% with money back
Next in the directory by volume: Kikoff, National Credit Adjusters, Sunrise Credit Services.
Frequently asked questions
How many complaints did servicemembers file against LoanCare?
243 complaints tagged servicemember were received by the CFPB about LoanCare, LLC between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count fell from 100 in 2023 to 85 in 2025.
What do servicemembers complain about most at LoanCare?
Mortgage accounts for 213 of the 243 complaints, and the most common issue is "Trouble during payment process" (112). Next: "Struggling to pay mortgage" (72).
Does LoanCare give money back when a servicemember complains?
0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 0 closed with non-monetary relief and 243 closed with an explanation only. LoanCare answered 97% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.