FCI Lender Services Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
09/02/2020	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	CA XXXXX	Web	Older American, Servicemember
FAX TO : XXXX ATTN : Lenders XXXX XXXX XXXX XXXXFCI Lender ServicesXXXX XXXX/XXXX XXXX XXXX DATE : XX/XX/XXXX ( Borrower FIFTH Notice of Error FAX ) FROM : XXXX XXXX XXXX, Trustee LOAN No. : XXXX / TS No. : XXXX / XXXX : XXXX RE : Borrower FIFTH NOTICE OF ERROR due to XX/XX/XXXX Passage of California AB-3088 ( Mortgage forbearance : State of emergency : COVID-19 ) CC : California Governor XXXX XXXX, US House of Representatives Speaker XXXX XXXX, US Senator XXXX XXXX, US Congressman XXXX XXXX California Senator XXXX XXXX XXXX, US Consumer Financial Protection Bureau, California Department of Consumer Affairs, XXXX XXXX XXXX XXXX, XXXX XXXX County Board of Supervisors and XXXX XXXX County Recorder. FAX NO. OF PAGES : __3__ Dear Lenders XXXX XXXX XXXX XXXX FCI Lender Services , XXXX XXXX/XXXX XXXX XXXX : Today 's FIFTH Borrower NOTICE OF ERROR fax follows my XX/XX/XXXX CFPB response to my XX/XX/XXXX, XXXX-filed Consumer Financial Protection Bureau Complaint # XXXX. My response yesterday further was emailed to all parties, including lenders and their loan servicer. Due to the XX/XX/XXXX passage of California AB-3088, Borrower now formally repeats request for lenders and their loan servicer immediately and permanently to cancel and remove from XXXX XXXX County public records their unannounced XX/XX/XXXX, XXXX-recorded Notice of Default/Substitution of Trustee. Borrower only later learned of lenders ' unannounced recording of Notice of Default/Substitution of Trustee in XX/XX/XXXX. In XX/XX/XXXX, Borrower successfully transmitted FOUR different Borrower-written and Borrower-signed Notice of Error faxes to lenders XXXX and XXXX XXXX and FCI Lender Services that included Borrower COVID-19 Hardship Letters and Requests for Forbearance. In XX/XX/XXXX, Borrower also requested Second Mortgage loan modification terms, subject to lender immediate cancellation of lenders ' surprise XX/XX/XXXX, XXXXrecorded Notice of Default/Substitution of Trustee. Borrower 's XX/XX/XXXX Faxes Explained that BORROWER NOTICE OF ERROR was due to : 1. Lenders did not fairly advise Borrower in advance of Lenders ' XX/XX/XXXX Notice of Default/Substitution of Trustee recording. XXXX. XX/XX/XXXX Notice of Default was recorded in violation of the COVID-19 Federal 2020 moratorium on foreclosures. XXXX XXXX XXXX XXXX. XX/XX/XXXX Notice of Default also was recorded in violation of Californias 2020 suspension of foreclosure actions that remains in effect until 90 days after the COVID-19 pandemic emergency is lifted or the judicial authorities otherwise suspend the rules. XXXX : XXXX XXXX XXXX XX/XX/XXXX Faxes Detailed Monetary Damages Caused to Borrower and Property by Lender Unannounced XX/XX/XXXX Recorded Notice of Default/Substitution of Trustee All properties become " damaged '' after Notices of Default are recorded since such Notices cause the market to perceive such properties as " distressed '' with Sellers willing to accept low offers. However, before the surprise XX/XX/XXXX Notice of Default was recorded, the XXXX XXXX County property received a full price offer ( {>= $1,000,000} ) from a foreign Buyer. Borrower accepted the offer on XX/XX/XXXX, and lender payoff was scheduled with FCI Lender Services on XX/XX/XXXX. Borrower advised FCI and Lenders of accepted offer and loan payoff schedule. Unfortunately, due to much-publicized, unexpected XX/XX/XXXX new COVID-19 U.S. immigration restrictions, the Buyer became prevented from entering the U.S. to close escrow. Borrower advised Lenders and FCI of the much-publicized XX/XX/XXXX, XXXXannounced new COVID-19-related U.S. immigration rules that would thwart timely close of escrow. The following links document the XX/XX/XXXX Presidential action that restricted immigration due to COVID-19 : XXXX : XXXX XXXX XXXX XXXX And as a result of the XX/XX/XXXX, XXXXrecorded Notice of Default, online real estate sites now advertise the {>= $1,000,000} property with damaging, low " zestimates '' of {$780000.00}. Reduced market valuations needlessly caused by the reckless, XX/XX/XXXX, XXXXrecorded Notice of Default is unfair to the property and financially abusive to an " elder '' Seller. " Elder '' Borrower further notes added monetary damages resulting from unusually high interest rates charged by Lender for over one year. Borrower made timely monthly Second Mortgage payments to Lenders XXXX XXXX XXXX XXXX at an unusually high 14.500 % interest rate. By contrast, today 's mortgage interest rates range from 2.75 % to 3.19 %. Borrower 's XX/XX/XXXX Notice of Error Faxes Detailed the Following Borrower Hardship Facts : Age, Illness, COVID-19 & NEW COVID-related XXXX U.S. Immigration Restrictions Borrower is a XXXX-year-old XXXX female who became widowed in XXXX, the same year that Borrower XXXX XXXX XXXX XXXX XXXX XXXX. Borrower also is an " elder '' single parent solely responsible for a chronically-ill child who resides with Borrower in the same primary residence, i.e., the XXXX XXXX County property in question. Borrower 's chronically-ill child was diagnosed with XXXX-XXXX XXXX at birth, and, in XXXX, became further diagnosed with XXXX XXXX XXXX, a complication of XXXX that leads to permanent loss of sight. In XXXX, Borrower 's child suffered a XXXX XXXX and today still requires costly XXXX, XXXX prescriptions and health insurance for which Borrower pays. On XX/XX/XXXX -- the very day that Lenders quietly recorded their surprise Notice of Default --, Borrower 's child required emergency medical care for XXXX XXXX associated with XXXX XXXX XXXX. Last year, in XX/XX/XXXX, Borrower herself became hospitalized after eight months of unresolved XXXX and XXXX. And, since COVID-19 came to California in XXXX, the XXXX-year-old Borrower has suffered two different XXXX XXXX requiring two separate XXXX XXXX, the first on XX/XX/XXXX and the second on XX/XX/XXXX. In XXXX, the unprecedented COVID-19 pandemic restricted Borrower and all other responsible citizens from conducting business or normal life. Beginning mid-XXXX XXXX, California Governor XXXX mandated " stay at home/social distancing '' orders that curtailed real estate business. Borrower 's XXXX XXXX-remitted faxes reported the pandemic 's overwhelming impact -- a pandemic that even today continues to take its toll on Californians and citizens throughout the world. New, unprecedented COVID-19-related XXXX U.S. Immigration restrictions prevented close of escrow by a qualified foreign Buyer who last XXXX offered full price ( {>= $1,000,000} ) for the property. As a XXXX-year-old senior citizen and, since XXXX, a XXXX XXXX County resident, Borrower always has paid County property taxes. In XXXX, Borrower paid all property taxes on the XXXX XXXX County property in spite of Covid-19 financial setbacks that, during the coronavirus pandemic, negatively impacted Borrower and other XXXX XXXX County/California homeowners. Borrower 's XX/XX/XXXX Notice of Error Faxes/Forbearance Requests IGNORED by Lenders Borrower 's XX/XX/XXXX faxes further requested lender forbearance with a written FORBEARANCE AGREEMENT that would immediately cancel the surprise XX/XX/XXXX, XXXX-lender recorded Notice of Default/Substitution of Trustee and immediately reinstate the Second Mortgage with fair repayment terms that an " elder '' Borrower could afford. Lenders and Lender Servicer ignored all Borrower 's XX/XX/XXXX faxes until Borrower finally filed her XX/XX/XXXX CFPB complaint. On Monday XX/XX/XXXX, California lawmakers passed, and Governor XXXX signed, AB 3088 extending a halt to foreclosures and evictions as a result of the COVID-19 pandemic. Borrower formally requests lenders/lender servicer immediate and permanent cancellation of surprise XX/XX/XXXX XXXX XXXX County-recorded Notice of Default/Substitution of Trustee. Per terms of AB-3088 : ( 1 ) The borrower was current on payment as of XX/XX/XXXX. ( 2 ) The borrower is experiencing a financial hardship that prevents the borrower from making timely payments on the mortgage obligation due, directly or indirectly, to the COVID-19 emergency. Per additional terms of AB-3088, Borrower requests that all lender/lender servicer extra fees/charges be removed. Finally, Borrower wants to sell property at its fair market value and will pay back Second Mortgage lenders through close of escrow. Respectfully, XXXX XXXX XXXX Wed. XX/XX/XXXX / XXXX PDT / FAX Successful Transmission ID : XXXX
05/11/2020	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NC XXXXX	Web
I would like to provide a brief history on the facts surrounding this toxic loan that I was fraudulently strong-armed into prior to the the XXXX recession. I had been under the impression that it had been long forgiven by the original lender and wiped clean off my credit. Please note that I am and have been current on my main loan ( 1st mortgage ) on my home, and there are no issues there. XXXX XXXX XXXX On XX/XX/XXXX I purchased my property in XXXX, NC. Subsequently, on XX/XX/XXXX I was contacted by agents of the now defunct XXXX XXXX XXXX ( the original mortgage broker ), offering me a predatory scheme to restructure my mortgage, indicating I would be saving a substantial amount over the long haul. This was a discriminatory, fraudulent, criminal scheme to push toxic financing products on folks like myself by criminal unlicensed brokers, most of whom did prison time because of this. I was then bombarded by associates of XXXX XXXX XXXX with phone calls for the next 2 weeks offering me their expert advice on why I had only a small window of time to refinance, and that they had all the paperwork ready since I has just gotten a loan from them. I was told all that was needed was my signature. Refinanced into a Toxic Loan On XX/XX/XXXX, less than a month later from the purchase date of my home, I fell victim to their relentless pressure tactics, and XXXX XXXX XXXX refinanced my house with XXXX XXXX XXXX, bearing an interest rate of 9.125 % and a final balloon payment of over {$90000.00}. Please bear in mind that the original refinance loan balance was {$110000.00} and after paying {$1000.00} every month for 15 years ( {$180000.00} ), I would have still owed one last payment of over {$90000.00}. XXXX XXXX XXXX assured assured me that there was nothing to worry about since this was only the first step in the process and they would yet again refinance the loan in a few weeks to get rid of the balloon payment and secure a much lower rate overall. XXXX XXXX XXXX advised me that the new appraisal of my home was now {$70000.00} more than the original purchase price, less than a month after I had purchased my home. How could a sane, experienced lender such as XXXX XXXX accept such an increase in value in such a short period of time? Were they only driven by greed and fraud that they completely threw due diligence out the window for the sake of profits? XXXX Declares Bankruptcy XXXX then assured me that they were working on another program where they would lower the rate substantially in a matter of two to three weeks. About a month later, on XX/XX/XXXX XXXX XXXX XXXX declared bankruptcy and I never heard from them again, thus finding myself stuck in this predatory toxic loan by XXXX XXXX. Along the way, XXXX accumulated a dismal regulatory record. Five states - Florida, Georgia, North Carolina ( my state ), Ohio ( XXXX XXXX home state ), and Wisconsin - revoked their licenses for various abuses ; four other states disciplined the company for using unlicensed brokers for similar violations. The crash of the subprime market and a barrage of lawsuits prompted XXXX to file for U.S. bankruptcy court protection in XXXX in XX/XX/XXXX. XXXX XXXX XXXX Guilty of Felony Fraud Then in XXXX, a XXXX unit in XXXX ( XXXX XXXX headquarters ) and its manager plead guilty to felony charges related to fraudulent mortgage schemes. I would also like to point out that I am not the only victim of such schemes perpetrated on folks by XXXX XXXX and its fraudulent affiliates. There are numerous law suits, class action and otherwise, initiated by people in the very same situation as me, including judgments against this bank that I can furnish to you if need be. To further clarify this predatory, unlawful toxic scheme, below please find the link to just one of the federal lawsuits that the US Department of Justice along with U.S. Consumer Financial Protection Bureau brought against XXXX XXXX ( which XXXX bought on XXXX XXXX, XXXX ), for violating the federal Fair Housing Act and Equal Credit Opportunity Act in imposing higher fees and interest rates on more than XXXX minority borrowers such as myself. https : XXXX Due to exactly these types of actions by predatory lenders such as XXXX XXXX and their partners and affiliates in crime, such as XXXX XXXX XXXX, in late XXXX the housing market crashed and our country entered into the longest recession since the XXXX. Millions of hard working, trusting individuals such as myself found ourselves upside down in toxic mortgages. XXXX XXXX After realizing that I have been a victim of a ruthless predatory lender and its shameless broker in a racially targeted criminal scheme, I started contacting XXXX XXXX and pleaded with them to find a way to rectify this crime. XXXX XXXX representatives admitted to me repeatedly that these loans were not properly originated and that XXXX XXXX was working on ways to correct them through modifications and mortgage forgiveness programs which never materialized. They kept dragging me along with false promises and lies about non-existent forgiveness and modification programs just to squeeze as many payments from me every month while I was taking care of my XXXX mother across the country with stage XXXX XXXX XXXX ( all correspondences, phone calls, interaction with numerous XXXX XXXX agents are meticulously documented and recorded ). Soon after, XXXX XXXX went under and XXXX took it over. XXXX After XXXX take over of XXXX XXXX, I started receiving settlement/forgiveness offers on this toxic loan. XXXX settlement offers initially started from 40 % and kept going all the way down to 10 % of the loan balance, which clearly shows XXXX belief that this loan was predatory, toxic, not properly made, uncollectible, and did not have the value for which it was originated. I realized at this point XXXX was attempting to get whatever they could on this worthless fraudulent, predatory toxic loan and simply wash their hands of it. Attached please find one of such settlement offer letters from XXXX to me in XXXX of XXXX from XXXX account specialist, Mr. XXXX XXXX. The last phone conversation I had with Mr. XXXX was in XXXX of XXXX, when he shared with me that he had good news and that XXXX had approved a final settlement offer of 10 % of the loan balance and that I should be expecting to receive a letter in the mail to that effect soon. Needless to say I did not hear back from Mr. XXXX XXXX, nor XXXX after that point. Shortly after, I realized that they had removed the entire loan and its history from my credit. I simply went about my life, working hard while taking care of my ill mother, assuming they had come to their senses, forgiven the loan and wiped it off my credit. I did not hear from them again. Junk Loan Debt Buyers / Collection Agencies Over the years, I periodically receive letters from junk debt buyers claiming they now own this toxic mortgage, and attempt to collect on it. The original lender, XXXX XXXX went down in flames because of exactly this types of bait and switch toxic products, and before they went under kept promising me and other folks in my position to fix this situation. XXXX XXXX XXXX was swallowed up by XXXX with tax payer, government TARP funds. XXXX XXXX then itself knew that these products were highly toxic and not worth the paper they were written on, and tried to get rid of them by offering 10 cents on the dollar and eventually even gave up that pursuit, took it completely off my credit and tried to make a couple of dollars and sold it in the junk debt market to companies such as the current company which is coming after my house ( FCI ). I've had probably about 10 other junk debt companies masquerading as legit holders on this toxic product contacting me over the years, and upon sending them the info they all backed off and were not heard back from. FCI and XXXX XXXX XXXX XXXX XXXX That is until now, where a company by the name of FCI ( servicer ) and XXXX XXXX XXXX XXXX, XXXX ( the new alleged owner ), has decided to try to foreclose on my home. when I attempted to communicate with them, it became obvious to me that they are dishonest debt collectors who are just rushing through to try to foreclose on my home with no regard to the actual facts surrounding origination of this predatory loan.
12/10/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL XXXXX	Web
I have been a customer of XXXX XXXX since they were XXXX XXXX and then XXXX. I obtained my mortgage for my current residence from XXXX in XX/XX/XXXX. In XXXX of last year, I was the victim of a hit and run accident where I sustained XXXX and XXXX XXXX which led to my underemployment. This series of events caused me to fall behind on my mortgage payments. I contacted XXXX XXXX making them aware of my injuries sustained and requested a modification. I was denied the modification due to a lack of income. In XXXX of this year I informed XXXX XXXX of my new employment with XXXX XXXX/XXXX XXXX XXXX and they asked me to send the offer letter. During that same month I received a letter from XXXX XXXX XXXX XXXX V-D dated XX/XX/XXXX stating they were the new owners of my mortgage and that the new servicer was FCI lender services. I called XXXX XXXX and informed them that I received this letter. They did not acknowledge or deny the transfer, so I was not clear. I was informed to continue making my mortgage payments as usual. I forwarded the letter to an attorney for review who advised me to get documentation from XXXX XXXX because the letter looked shady. He instructed me to not make any payment to the new company without written verification from XXXX XXXX. I called XXXX XXXX again and was then informed that this was the case and that I would be receiving a letter from them shortly. In XXXX I received a letter from XXXX XXXX dated XX/XX/XXXX stating that on XXXX XXXX the servicing of my mortgage transferred from XXXX XXXX XXXX XXXX to XXXX XXXX , XXXX. This was in conflict with the information I received in XXXX. I submitted this correspondence to my attorney for review. The attorney sent a letter to XXXX XXXX asking for verification. In XXXX, I received a letter from XXXX XXXX dated XX/XX/XXXX stating they were my new servicer and it included a Fair Debt Collections Practices Act ( FDCPA ) Validation Notice with incorrect information. While awaiting response, I contacted XXXX XXXX to get the status of my loan modification that was in process at XXXX XXXX. I was informed not to worry about it and that XXXX XXXX transferred all of my mortgage documents over and they would continue from there and if they needed any additional documents, I would be contacted. I made multiple calls requesting a status update when I was not contacted. My last contact was abruptly interrupted because I was told that XXXX XXXX was transferring my mortgage as of XX/XX/XXXX. I told them that I have not received a letter and find it hard to believe that could happen so quickly. They said they would resend the notice and that all documents pertinent to the modification would be sent to the new servicer, FCI lender services. I contacted FCI lender services and spoke to account manager, XXXX XXXX, who informed me that my agent of the new Mortgagee Clause was XXXX XXXX XXXX XXXX V, XXXX. XXXX XXXX XXXX, MI XXXX. He also requested my declarations page for my existing home owners policy. I told him that the FDCPA was inaccurate and he stated that there were too many files sent over by XXXX XXXX for them to research so they were going by the last statement from XXXX XXXX. I asked him about my modification status. He stated that they may or may not offer a modification and that he would let me know what I needed to provide. I submitted the documents he requested and was offered a modification that increased my interest rate by over 2 % and included my silent mortgage together to increase my payment by 150 %. I asked how this was an attempt to modify the loan in an effort to keep me in my home? He stated that he doubts the company will put past due mortgage payments at the end of my mortgage and their standard modification rate is 6.5 %. I was sent this modification via email on XX/XX/XXXX with a deadline of XX/XX/XXXX to accept or reject the modification even though I objected to the missing payments. I asked why was I being asked to pay missing payments, that include my escrowed property taxes and insurance, and also be asked to pay that amount again in a separate amount which made my delinquent amount in excess of $ 5K. Mr. XXXX stated that because my homeowners insurance was renewed in XXXX, XXXX XXXX debited them the escrow amount. I told him that I would be paying twice, so he said that we will just take that off. On XX/XX/XXXX, I received a fedex with something that was labeled a modification, but resembled a refinance. I was contacted by XXXX XXXX at American mortgage who stated that they were sending the documents that needed to be signed, notarized and returned with a certified check or money order for the new mortgage amount to start on XX/XX/XXXX. I was instructed to have that completed by XX/XX/XXXX and also no later than XX/XX/XXXX because of the holiday. Mr. XXXX asked me to pay something to make it look good when I ask for the modification. All documents were sent to my attorney for review at which time they sent a Notice of Error to XXXX XXXX. Today I had an appointment with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX to assist and advice me regarding this matter. The counselor, XXXX XXXX, contacted XXXX XXXX to request a reconciliation of the past due amount and better modification terms. Mr. XXXX sent over the response to the notice of error in an email that included past payments to XXXX XXXX that end in XX/XX/XXXX. It also included a notice from my home owners insurer, XXXX XXXX stating that my premium has not been paid. I have had to reach out to numerous resources to combat the unethical and fraudulent practices of XXXX XXXX and the registered investment adviser, XXXX XXXX. I am extremely concerned that this method of quick and multiple transfers of my delinquent mortgage is an attempt to capitalize on the delay and confusion to illegally foreclose on my single family residence. This entire ordeal has not been resolved and I have numerous complaints regarding all of the above mentioned servicers. It is virtually impossible for the average home owner to fight against a nationwide bank the size of XXXX XXXX and an XXXX with assets in excess of {$150.00} XXXX. Especially when it appears that there exist registered investment companies acting as mortgage services with only one purpose : to exploit any delays of information during a mortgage transfer giving them the opportunity to foreclose on delinquent property while the home owner disputes that amount that his delinquent.
05/18/2023	Yes	Mortgage Other type of mortgage	Trouble during payment process	FL 32746	Web
I do fix and flip as part of my XXXX XXXX XXXX. Last year on XX/XX/XXXX I bought a house with XXXX XXXX XXXX as my lender. I had at that moment several names where during the process I could contact, call and have a hold from them every time i had a concern. We closed and after 2 or 3 payment directly to their account, I got a letter saying I will start paying my mortgage to a servicing company FCI Lender Services. On the next month, after I got in an informative email ( about the loan being transfer to them ), i called the number in that email and I asked to the person in the line where and how I should pay because we were at that moment around the day XXXX of that month, and that is late for a mortgage payment. That person said, they were setting up the loan, that it takes times and I shouldn't be worry about it. Then I got in my email a bill for almost {$9000.00} for lates fees as consequence of their setting up the loan. As you know servicing company are automatic ( when you need to pay, at least this one was ), and I couldn't change that amount of my payments in my Portal, so I was forced to pay, whatever they put their automatic, in order to avoid continuing accumulating more lates fees. However I fought that bill of XXXX and them they started returning partially in each month that amount from my payments. When I saw that mistake, and the difficulty I faced in order to have someone in the phone to take care of this I had the feeling this would be not good. Then every month I was paying the XXXX of each month, because I saw the late fee amount per day was {$180.00}. Even when I was paying the XXXX of each month, the system was adding in my bill to be paid as part of my mortgage that late fee, means I had to pay during the remaining months the XXXX plus the late fee. Knowing the maturity due date for this loan was approaching and I couldn't sell the property I decided to keep it till the market conditions get better and being able to sel recovering the money that is sitting in it. At that moment on XXXX XX/XX/XXXX I started writing the servicing company FCI to ask the lender what would be my options if I do have any through them in order to change the type of loan and keep the property as rental property with them, if they have that kind of loan. During XXXX emails and may phone calls, their answer ( servicing company was ), they were waiting for the lender response. I didn't ever get an answer with options or anything till XXXX XX/XX/XXXX when the tenants of that property, ( not at my address, or at my mailing address ), got a certificate letter, I told them to open it an showed me what was about it. They sent me the copy of Notice of Intends from the Lender saying they will Foreclosure on that property on XXXX XX/XX/XXXX. I called the servicing company, I emailed them, the answer was, they are still waiting from the lender. I requested the grace month extension in order to looked for another lender to do this in 2 weeks and I didn't get ever an answer. They were saying only, " they were waiting from the lender answer ''. I called XXXX and they informed me they weren't anymore the lender. They sold that loan to XXXX XXXX XXXX located in XXXX XXXX. I sent a certificate letter to their address, the one is in XXXX and also to the XXXX XXXX in XXXX, never got an answer back from any of them. I found a lender that could help me to do the process in the short period of time I have left and we started the process, however, to do this you need to have a payoff from the lender in order to calculate all what you need to pay to them and clear that existing loan, well they had the same behavior through all my several requests, " no answer or they are waiting for the approval from the lender ''. FCI said, they can't provide a payoff if the LENDER doesn't approved them to do it. They " aren't allowed by law to give me any answer, payoff or anything if the lender doesn't give them authorization '' What? I'm showing them all my effort to avoid what is obvious from the lender 's intention, steal my house, and they just continue just blocking all and making all more difficult. At that moment, my time was running against the XX/XX/XXXX from stipulated in the Notice of Intend. I had to ask an attorney to intervein on my behalf in order to obtain the payoff from the servicing company FCI, he got it with expiration date XXXX XX/XX/XXXX ( only 5 days left since he got it ), but with the per diem stipulated in it too. Well, I was able to closed on XXXX XXXX of XX/XX/XXXXXXXX XXXX XXXX BUT on Wednesday when the title company called the servicing company FCI to verify their account details in order to do the wire and pay the existing loan with XXXX XXXX XXXX, they told the Title company that the payoff was void and null, they will reject the money or they will need to get the Lender approval to see if they will accept my payment AND we will need to request another payoff and that might take 10 more business days. What? More late fees? The title company immediately contact the attorney in order to understand this situation and request through him, because at this point the Servicing company FCI, won't talk to me directly anymore because the attorney was involved in the file. I honestly can't believe how under so severe regulations ( I thought ), these type of companies, Lender and Servicing Companies are able to lend money and mess with the people in this way in this country. We as citizens, are expose to this kind of stress and situation because those companies like XXXX, XXXX XXXX XXXX, and with subsidiaries, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and the worst Servicing company ever known in my life FCI, are capable to continue doing business without any punishment from the institutions in charge of regulate them. I declare here, that I wasn't late ever during this process, the late fees were charged unfairly, I have been under a severe stress because of this situation and they ( FCI and XXXX XXXX and the other companies related to them ) continue making ALL possible ( out of the law and regulations ), to allowed me under any and all circumstance, be able to pay this loan and free me from this nightmare.
01/18/2023	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NY XXXXX	Web
COMPLAIN AGAINST : INDEX : XXXX XXXX Loan XXXX XXXX XXXX different Servicing companies. Current MORTGAGE COMPANY : ACCOUNT # XXXX, FCI LENDER SERVICES , INC, XXXX XXXX XXXX, XXXX, CA XXXX, Phone : XXXX, XXXX, XXXX. FROM : Homeowners : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX, Home Ph : XXXX, Fax : XXXX, XXXX, XXXX Subject : URGENT. Mortgage XXXX & loans by XXXX XXXX sold to XXXX different Servicing companies. Current MORTGAGE COMPANY : ACCOUNT # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX. SEEKING MORTGAGE RELIEF OR MORTGAGE-FREE AND CLEAR TITLE. I, XXXX XXXX reside at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX the following statement is true. I am a victim of Mortgage Fraud & loans. I am writing to inform you of fraudulent activity that I have encountered involving a mortgage company called XXXX. XXXX XXXX XXXX XXXX. I suspect that the company is engaged in mortgage fraud and the sale of negative amortization loans. I have experienced firsthand the repercussions of their deceit and unlawful practices. After applying for a mortgage with the company, I was sold a negative amortization loan without my knowledge. This loan had the principal balance go up with every month of payment. After a few months, I realized that I was paying almost double the principal balance as compared to when I initially signed up for the loan. This is illegal and unethical, and I hope your office will take decisive action against this company. I understand mortgage fraud and the sale of negative amortization. My primary mortgage company XXXX ( Current servicing mortgage : FCI LENDER SERVICES, I.N.C., ) started on XX/XX/XXXX and foreclosed action against us. We defended our case and were dismissed a few times, and the final dismissal was in XX/XX/2017. I hired XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. Owner to continue defending our case. They have done many processes, including mortgage paid-off, Collect Recovery money, has done forensics, and so on. Please keep in mind XXXX XXXX, XXXX, The Law Offices of XXXX XXXX, XXXX. is helping us with foreclose defense. Our main goal is for a mortgage that is free & clear ; we want to hold a clean deed & title. XXXX & XXXX XXXX advises that XXXX ( Current servicing mortgage : FCI LENDER SERVICES, XXXX, ) has withdrawn {$1.00} XXXX in insurance money against our house, which was another fraud. Beside Mortgage fraud, FCI LENDER SERVICES, I.N.C. The current mortgage violates the rules and keeps denying our request to pay Property taxes & home Insurance from the escrow account. To pay via escrow funds my home insurance & property taxes, as our home has suffered significant damage due to XXXX XXXX. Our entire house, backyard, front yard, attic, cellar, and 2nd floor have been damaged, totaling $ XXXX. I had to take out a loan and use my credit card to cover living expenses since the hurricane, and I am now left with no funds to cover all the costs associated with home repairs, insurance, and property taxes. Previously all prior mortgage & servicing companies paid home insurance & property taxes out of the escrow account. See enclosed all of my documents submitted to the XXXX XXXX XXXX and see paid checks to the contractors. Unfortunately, XXXX denied our case ; XXXX XXXX XXXX paid a fraction of the cost we lost from ours totaling {$900000.00} in damages. I have children and elderly family members living with me who have been adversely affected by this disaster. Currently, I am working part-time and looking for a full-time job as a Creative XXXX and Senior Graphic Designer for the past two years ( educated with XXXX XXXXXXXX. & XXXX. Degrees and Trained ). Thus, I have been asking MORTGAGE COMPANY : FCI LENDER SERVICES, I.N.C., to assist us in this challenging time by providing the necessary funds via escrow for our home insurance and taxes. I understand this is not an unusual request, but the circumstances are such that I am desperate for help. The current mortgage violates the rules and keeps denying our request. Please take proper legal action, and I hope you will resolve these issues as soon as possible. Please keep in mind, XXXX denied our case ; XXXX XXXX XXXX paid a fraction of the cost we lost from ours totaling {$900000.00} in damages by XXXX XXXX. Thank you for your excellent cooperation, and I hope to hear from you with a tremendously positive answer and looking for a mortgage Grant during our most financial hardship or help us to get a mortgage-free & clear title. XXXX bless us all. FROM : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX, Home Ph : XXXX, Fax : XXXX, XXXX, XXXX XXXX
10/16/2019	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	LA 70058	Web
XXXX XXXX XXXX XXXX instituted foreclosure proceedings on XX/XX/XXXX to enforce a promissory note in the form of a line of credit dated XX/XX/XXXX, made payable to the order of the Lender, XXXX XXXX, XXXX d/b/a XXXX, by executory process. The Note was in the original principal amount of {$35000.00} bearing interest at an adjustable interest rate and payable in consecutive monthly installments beginning XX/XX/XXXX. A demand letter was never received. When requesting evidence of this debt or any attempts to collect such debt. A demand letter dated XX/XX/XXXX was submitted and lacked factual basis, is fundamentally deficient, and is insufficient to satisfy the requirements for service of executory process. I never received the purported XX/XX/XXXX demand letter. The letter was apparently addressed to my parents address. A certified mail receipt Numbered XXXX XXXX XXXX XXXX XXXX that was attached to this pleading was never served. Instead, USPS records show that the mailing associated with Certified Mail # XXXX XXXX XXXX XXXX XXXX was directed to an unidentified address in XXXX, Louisiana in XX/XX/XXXX and returned toas undeliverable on XX/XX/XXXX. Furthermore, the petition is devoid of any evidence of any return receipt to overcome the evidence that the letter was never served. We were not served with any notice or demand related to XXXX claims subject to this suit until XX/XX/XXXX, three weeks after the suit was filed and the property was seized and advertised for judicial sale. These defects in service are fundamental to nature of the obligation, and in light of the harsh nature of executory process. On XX/XX/XXXX I entered a first mortgage payable to the order of the Lender XXXX XXXX, XXXX d/b/a XXXX, in the amount of {$48000.00} Also on XX/XX/XXXX, I entered a secondary mortgage loan/line of credit payable to the order of the Lender XXXX XXXX, XXXX d/b/a XXXX, in the amount of {$35000.00}. Both loans were marketed, presented, sold, and executed by XXXX as a packaged obligation securing the purchase of the property. I made its payments to XXXX XXXX, XXXX d/b/a XXXX following purchase of the home. As of XX/XX/XXXX no obligations due and owing to XXXX XXXX, XXXX d/b/a XXXX were in default. On XX/XX/XXXX debtors were notified that XXXX XXXX XXXX XXXX ( XXXX XXXX ) had on XX/XX/XXXX replaced XXXX XXXX d/b/a XXXX as their mortgage servicer and that all payments once made to XXXX XXXX d/b/a XXXX would be made to XXXX XXXX going forward. As directed, we updated payment methods, made no further payments to, and had no further communications or correspondence with XXXX XXXX d/b/a XXXX after XX/XX/XXXX. Actions on instruments, whether negotiable or not, and on promissory notes, whether negotiable or not, are subject to a liberative prescription of five years.Based on the foregoing, the Note in its entirety would have prescribed at minimum five years from the date of XXXX assignment, sale, and transfer to XXXX XXXX ( five years from XX/XX/XXXX ) and well before the filing of this current action unless prescription was interrupted, which it was not. Additionally, XXXX fails to properly allege any changes in the interest rate of the variable rate interest Note or to itemize any interest accrued, including interest accrued after maturity, purportedly paid and fails to itemize any unpaid charges for insurance premiums or taxes paid or other advances for which Plaintiff purports to be entitled and contains no information concerning the escrow balance. The information concerning any escrow expenses must be set forth by verified Petition or Affidavits submitted therewith ( and not after the sale ) and must particularize the existence, date, and the amount of any alleged payments. The Plaintiff can not demand an award of unspecified expenses in unstated amounts. It can not, as here, demand an award of unspecified expenses in unstated amounts and leave various unspecified costs subject to whim after judicial sale. In addition, There are no endorsements on the Note.When requesting evidence of rights to said note, fraudulent documents were submitted with dates prior to an assignment even taking place. I am attaching documents for your reference. Lastly, the assignment of Mortgages shows that on the same date XX/XX/XXXX XXXX XXXX Signed both as the Assistant Secretary of XXXX, the Authorized Signer for XXXX/XXXX XXXX XXXX, This complaint is Against XXXX, XXXX/XXXX, XXXX, XXXX XXXX XXXX XXXX, and FCI Lender Services
02/01/2019	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	NY 14051	Web	Servicemember
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX / XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX TX XXXX are using illegal and Fraudulent tactics/actions to collect a debt amount that is not owed. In XXXX XXXX XXXX, we had a 15 yr. loan @ 13 % with XXXXXXXX XXXX XXXX XXXX XXXX XXXX, & XXXX and the maturity of the loan was XXXX XXXX, XXXX. Each of the before mentioned finance companies ALL were frankly taken over by XXXX After falling behind on taxes, it was made good in a court action, to which back taxes were brought current in a chapter XXXX proceeding. In the repayment plan, XXXX XXXX XXXX. also collected over {$17000.00}, {$12000.00}, and over {$5000.00} in lump sums, in addition to my monthly payments of {$2000.00}. Now that everything was current, while in court, the Trustee also approved the Payoff Application that I made to XXXX, while we were in Court XXXX agreed. Only it was a Ploy/stalling tactic to move out of the " Eyes '' of the law. After court, XXXX resumed taking monthly payments, but XXXX NEVER resumed sending the official " Statements '' as required by Law. None of the Lump sum totals Mentioned above are reflected on our loan account from XXXX, after I requested a summary of my account with them. In XXXX, I paid an undertaking of {$10000.00} to XXXX XXXX XXXX office. Now, this lump sum, I was told by XXXX XXXX XXXX office that this Lump sum was going to be applied to the Balloon payment becoming due XX/XX/XXXX. Again, the facts relating to ALL the Lumps sums paid were hidden and NEVER applied to my account. Even with the breakdown of specific fees relating to attorney fees and related court cost, none of my lump sum payments are posted on my account. I have ordered the bank records and the chapter XXXX & XXXX records. Subsequently, XXXX record does not reflect payments made through the Chapters either. In XXXX, XXXX transferred us while officially in the midst of a Modification. IT is worth mentioning again, XXXX continued to accept monthly payments, but a XXXX Workout Specialist verbally said they didn't know what to do with my account because after XXXX XXXX, XXXX they were not obligated to send out " Monthly Statements. '' I was confused by this because I felt I should know how the money that I continued to send, was going to be applied. In XXXX XXXX, I was sent notice of an upcoming transfer to XXXX XXXX. XXXX XXXX, never sent any documentation of any to our residence. Nor did XXXX continue with the Modification application. In a matter of 8 months, XXXX transferred the Debt to FCI Servicing with notice. Ever since then, No one has given us an documentation that reflects an accurate record to include ALL of the above amounts paid. Moreover, Its like a Con-job/SCAM more than anything! I have been finically harmed and deceived, plus subjected to harassment! XXXX XXXX XXXX has never provided me with servicing. In fact, Section 5 of RESPA ( 12 U.S.C.S ) 2605 gives the consumer rights. Given the laws on the books to protect consumers, it is my legal right to submit as truth and fact, that I was never given any proper/official Not of Transfer as required by law. XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX intentionally violated the law and must STILL be held to accountable to the Law according to Section 6 of RESPA. Further, the law provides for damages and cost for individuals where Servicers are shown to have violated the requirements of this section according to transfer Practices and Requirements. Please note, XXXX XXXX XXXX has never sent any documentation reflecting ANY of the above payments previously made to XXXX. It is my firm belief and testimony that XXXX has never correctly applied money paid to their representing attorney XXXX XXXX XXXX XXXX, and further the additional monies paid thereafter up until XXXX, and in XXXX, we prepaid our property taxes. Now, our property taxes are once again delinquent. Plus, we are experiencing roof leaks from the serve weather and our heating unit is in need of immediate replacement. Since all the repairs are costly, We are stuck between a rock and hard spot because we need a home equity loan to address all the repairs needed that's also long over due. XXXX XXXX Servicing and XXXX have violated the Fair Debt Collection Practices Act.
09/02/2018	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	CA 91709	Web
Fraud, and unfair business practice. ROBO signed documents misleading documents. Fake documents filed with the courts. Wrong amounts Forged Notary with wrong dates and forged loan documents to obtain foreclosure. Loan has been written off and included in Jumbo loan with XXXX XXXX. FCI LENDERS INC Active and its File Number is XXXX location:XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX This is a multi-location business. Find a location XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Email this Business ( XXXX ) XXXX Accredited This business is not XXXX Accredited. ... XXXX XXXX XXXX XXXX is a Delaware Statutory Trust filed on XX/XX/XXXX. The company 's File Number is listed as XXXX. The Registered Agent on file for this company is XXXX XXXX XXXX XXXX, XXXX and is located at XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX. Has forged documents to make it look like they have originated the said loan. Company Name : XXXX XXXX XXXX XXXX File Number : XXXX Filing State : Delaware ( DE ) Filing Status : Unknown Tax File Number Exemption Form Filing Date : XX/XX/XXXX Company Age : 1 Year 7 Months The false representation or implication that any individual is an attorney or that any communication is from an attorney. The false representation of -- the character, amount, or legal status of any debt.809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; 15 U.S. Code 1641 - Liability of assignees ( d ) Rights upon assignment of certain mortgages ( 1 ) In general Any person who purchases or is otherwise assigned a mortgage referred to in section 1602 ( aa ) [ 1 ] of this title shall be subject to all claims and defenses with respect to that mortgage that the consumer could assert against the creditor of the mortgage, unless the purchaser or assignee demonstrates, by a preponderance of the evidence, that a reasonable person exercising ordinary due diligence, could not determine, based on the documentation required by this subchapter, the itemization of the amount financed, and other disclosure of disbursements that the mortgage was a mortgage referred to in section 1602 ( aa ) [ 1 ] of this title. The preceding sentence does not affect rights of a consumer under subsection ( a ), ( b ), or ( c ) of this section or any other provision of this subchapter. 8 U.S. Code 1324c - Penalties for document fraud \| US Law \| LII ... To forge, counterfeit, alter, or falsely make any document for the purpose of .... file a petition. How much does it cost to get justice, when a bank forecloses on your house illegally? Thousands of ex-homeowners don't pursue their rights to a financial settlement because they assume they couldn't pay the legal fees. In fact, it costs less than you fear. Consumer lawyers take a few cases at no charge. More likely, you'll pay fees -- upfront or on a monthly plan -- tied to the lawyer 's estimate of the time it will take and your ability to pay. If they win your case, they'll collect from the financial institution, too. Before readers attack the " greedy lawyers '' for defending " deadbeat '' clients who couldn't repay their mortgage loans, let me quote from a groundbreaking decisionreached earlier this month by the Massachusetts Supreme Court. The court reversed two foreclosures because the banks -- XXXX XXXX and XXXX XXXX, acting as trustees for investors -- couldn't prove that they actually owned the mortgages. Judge XXXX XXXX XXXX excoriated them for their " utter carelessness. '' The fact that the borrowers owed the money was " not the point, '' he wrote. The right to deprive people of their property is a powerful one and banks have to prove they have the legal standing to do so.
03/16/2021	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	CA 94606	Web
My family home of 60 years was wrongfully foreclosed on by FCI Lender Services. They conspired along with private investor XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Specialists, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX in a scheme to trap me and ultimately steal my home. They also defrauded the government and FHA and California through this scheme, where they unjustly enriched themselves. XXXX XXXX XXXX and supposed non-profit XXXX facilitated a bailout loan to save me from foreclosure and told me that through the new loan my payments would be covered for 12 months. I never received a mortgage statement or coupon from FCI. I never even heard of them until they filed a Notice of Default against me. I thought they were REQUIRED to provide me with statements, payment coupons, loan number, loan status. My first communication with them was when they filed an NOD. They did not conduct a review or evaluate my finances and " ability to pay, '' they did not provide the proper disclosures, and they violated California law. On the NOD statement they try to sell the lie that they do not need to follow California civil code 2923.5 because the loan was not secured by a first mortgage. ( NOD statement attached ) However, in the same loan paperwork ( attached XXXX XXXX XXXX XXXX is listed as a participant and beneficiary of the transaction and they do have a trust deed. This is obviously part of the " racket '' that XXXX, private investors, XXXX XXXX XXXX, FCI Lender Services and California XXXX Specialists engages in over and over. I had major health issues in 2016 and fell behind on my mortgage with XXXX XXXX. That is when I heard about the Cal HFHA program offered through the state of California and the government with balance forgiveness. This caught me up, but my health problems persisted and a couple years later I was in foreclosure again. I contacted XXXX a non-profit that could help struggling homeowners modify their payments and get out of foreclosure. Once XXXX and the loan officer XXXX XXXX learned that I had a Cal HFHA loan it seems their focus changed from modification to writing a new loan. I spoke with the XXXX Attorney and they told me they could get me a bridge loan to get me out of foreclosure and provide some extra money for repairs and they also would help with credit repair -- -I was told that it would be a loan with payments deferred, no payments for 12 months and they would also set aside money to put towards fixing home -- -within a year my credit would improve and I could refi into conventional loan. It sounded too good to be true -- and it was. As I filled out the paperwork I was told by broker XXXX XXXX and the team at XXXX that if I wanted the loan to go through I needed to list the address of a neighboring home where I had provided in home care as my primary residence, and that I needed to list my home as a rental house. I did not ask any questions, this was a respected nonprofit, a licensed Attorney and a licensed loan broker telling me what to do. This was a predatory hard money loan funded by private investor XXXX XXXX ( XXXX XXXX ) interest rate of 11 % with interest only monthly payments of {$2400.00} with a 3 year term with 1 year prepayment penalty then balloon payment of {$260000.00}. The broker charged me a {$25000.00} origination fee as well as a processing fee of {$2000.00}, XXXX placed a deed of trust on my title ( attached ) for {$15000.00}, and took a {$12000.00} origination fee as well as a {$1700.00} processing fee and {$990.00} underwriting fee. I was told that this money was going to be used to " repair my credit '' through XXXX Consumer Services, however I don't know why a trust deed for {$15000.00} needed to be placed on my title with over 100 % fees charged to allegedly help with a credit repair service that had a contracted fee of {$3000.00}? However, when FCI came out of nowhere with the NOD and they told me to pay them $ XXXX I ended up losing my home.
07/30/2020	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	CA XXXXX	Web	Older American, Servicemember
I am a XXXX widowed and disabled XXXX XXXX XXXX, California homeowner who, since COVID-19 came to California in XXXX, has suffered 2 different XXXX XXXX and 3 different hospitalizations. Since XXXX, I always paid County property taxes on time, including those due in XXXX, and always made timely mortgage payments. I have maintained in good standing my FIRST mortgage but, earlier this month, learned that my SECOND mortgage lender, without advising me in advance, recorded a NOTICE OF DEFAULT/SUBSTITUTE OF TRUSTEE on XX/XX/XXXX. My FIRST mortgage -- in place since XXXX -- carries a balance of {$230000.00} and my SECOND mortgage -- in place since mid-XXXX -- carries a balance of {$110000.00} including newly added foreclosure fees. The property in question recently carried a market value of {>= $1,000,000}. Because of the unexpected XX/XX/XXXX foreclosure action that violates all existing COVID-19 Federal and California Foreclosure Moratoriums as well as California XXXX XXXX Abuse Law, over this month of XX/XX/XXXX, I faxed three different BORROWER NOTICES OF ERRORS to the Lenders and their Loan Servicer. I attach only the THIRD most recently faxed BRROWER NOTICE OF ERROR successfully transmitted last Sunday, XX/XX/XXXX. No response ever has been received from lenders or lender servicer to any of my three BORROWER NOTICE OF ERROR faxes. All BORROWER NOTICE OF ERROR faxes noted the following : 1. Second Mortgage Lenders did not fairly advise Borrower in advance of Lenders ' XX/XX/XXXX Notice of Default/Substitution of Trustee recording. 2. Lenders ' XX/XX/XXXX Notice of Default was recorded in violation of the COVID-19 Federal 2020 moratoriums on foreclosures. XXXX XXXX XXXXXXXX 3. Lenders ' XX/XX/XXXX Notice of Default also was recorded in violation of Californias XXXX suspension of foreclosure actions that remains in effect until 90 days after the COVID-19 pandemic emergency is lifted or the judicial authorities otherwise suspend the rules. XXXX XXXX XXXXXXXX In spite of the property 's recent XXXX market value of {>= $1,000,000}, Lenders ' improper XX/XX/XXXX recorded Notice of Default not only violated nationwide foreclosure moratoriums but also prompted XXXX to slash its market value " zestimate '' for the property to {$780000.00}. Permanent market value damage needlessly caused by the reckless, XX/XX/XXXX recorded Notice of Default/Substitution of Trustee is financially abusive to an " elder '' Borrower and unconscionably unfair to the Borrower 's property. Borrower since has learned of California XXXX XXXX that, if passed, would prohibit all recordings of Notices of Default to further support existing COVID-19 Moratoriums on Foreclosures. The attached THIRD BORROWER NOTICE OF ERROR fax asks for immediate reinstatement of Second Mortgage with Borrower-proposed new fixed term interest rate of 2 % - 3 % which reflects today 's mortgage interest rates that range from 2.75 % to 3.19 %. Please note that Borrower had made one year of timely monthly payments that carried a high 14.500 % interest rate -- a rate that is usurious and one that an elderly Borrower on a fixed income can not afford. Borrower THIRD Notice of Error fax further stated that, if lender would negotiate mortgage reinstatement terms to reflect today 's interest rates AND also immediately cancel the unannounced XX/XX/XXXX recorded Notice of Default/Substitution of Trustee, then Borrower would begin to pay the reinstated Second Mortgage on XX/XX/XXXX. Borrower has received no response from lenders, and lenders ' loan servicer also confided that loan servicer is still waiting for a response from the lenders. In the meantime, please help me challenge the XX/XX/XXXX unannounced Lender-recorded NOTICE OF DEFAULT/SUBSTITUTION OF TRUSTEE that flagrantly violates COVID-19 Federal and California foreclosure moratoriums.
12/07/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	NJ 077XX	Web
I am facing foreclosure on my wife 's family home that they have owned for 50 years! I feel that I am a victim of unethical lending and servicing practices by the mortgage company FCI Lender Services in XXXX, CA. They claim that since they are a private company that they are not bound by any type of federal or regulatory guidelines that govern mortgages and have refused to fairly negotiate with me. They have added on thousands of dollars in junk fees and disputed escrow fees and are telling me that I owe them {$520000.00}, even though my original 1st loan amount was only {$300000.00}. I have been battling them the best I can but now they have set a foreclosure date later this month. I need help to level the playing field to get them to the table to work with me. I am XXXX but receive a decent monthly income and my wife is working. We could make a reasonable payment. We even offered them a {$30000.00} down payment to try and get them to work with us but this was rejected. The problem began at origination. I was convinced that my best bet was to consolidate debt and refinance into an adjustable rate loan. I was told that before the rate and payment went up, my value would go up so I could just refi again. That was in XXXX, and I was in a 7.45 % adjustable rate loan that I did not fully understand that immediately began going up. This coincided with a couple of things ( the market crash and the huge drop in property values as well as the recession ). I also got injured and this greatly affected my ability to earn a living. After a few years I was declared XXXX and forced to retire. I began struggling and missing mortgage payments and then would get caught back up. It was a difficult time. Finally in XXXX I went before a mediator and came to an agreement with the lender at the time, XXXX Mortgage to restructure the loan with a new affordable monthly payment that was to include escrow. I made this payment as agreed for one year, then was presented with a past due bill for escrow payments that had already been made. This once again led to a huge dispute, and XXXX refused to accept my payments unless I paid the full past due escrow amount ( which I had been led to believe I was already paying ). I tried to negotiate with them but could make no progress. They always had an excuse as to why they would not work with me. They could provide no answers as to how and why they violated our agreement at mediation. Eventually the loan was transferred to FCI Lender Services. They bought my loan for cents on the dollar and they specialize in foreclosing on hard money and subprime loans. So it seems their main intent is to get the property back into their name. They began piling on junk fees for all kinds of things ( inspections, questionable and extremely high late fees ) and also greatly inflated the delinquency due for past taxes and insurance. They claimed that I was so far in debt to them that they could not work with me. I told them that they were required to work with me because the government has programs in place to help struggling borrowers. They told me that they do not have to follow the government regulations because they did not take bailout money and because they are not regulated by the government. I tried to reason with them and offered a lump sum down payment of $ XXXX to try and get them to come to the table and figure out a compromise. They refused. I have a sale date set for XXXX. My wife and I do not want to lose our home and we make sufficient income to fit into guidelines for retention programs. However FCI Lender Services thinks they are above the law and answer to no one but their bottom line and profit margin. Any help would be appreciated.
08/06/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 90004	Web
Is Forcing a foreclosure ok? Our application had all the correct addresses. Statements were mailed to the wrong address. We did not receive the " new loan number '' starting with " XXXX '' until XXXX, 2015! All checks had the loan number from the original loan starting with " XXXX ''. Until XXXX, FCI could look up the loan number with " XXXX '', never was I corrected when I called in to verify the mailing and receipt of payment on more than XXXX occasions prior to XXXX 2015. In XXXX 2015 when I was told they had not received the XXXX 2015 payment, which had the " XXXX '' loan number listed on the check, FCI suddenly could not look up my account with the " XXXX '' loan number and required the property address. At the time, I thought they changed their system and the XXXX 2015 payment was on someones desk with an unidentifiable loan number. They also said they did not receive the XXXX 2015 payment, it was the XXXX of XXXX! So I stopped payment on both checks! Since XXXX 2015, we were waiting for a response from FCI/XXXX XXXX XXXX XXXX to change the remittance to later in the month. We sent several Emails to the organization ( s ) to no avail. So now, they have sent back a check from XXXX, 2015 stating they are foreclosing on a loan originating in XXXX, 2015. We received no statements, they were mailed to the wrong address and probably returned to FCI. At no time did FCI send a statement to the property address. This seems to be set up for foreclosure, please investigate and confirm. I submitted a complaint on XXXX XXXX, 2015 - The CFPB could not locate the lender here is the number - Case number : XXXX with no response from the lender ... I submitted the same complaint this morning -since there was no word from the CFPB regarding the original complaint Case number : XXXXXXXXThe orighinal compliant below -1. FCI sent statements to an ambiguous address, XXXX XXXX XXXX XXXX Washington - it was not listed on any applications. 2. They never sent any communication to the property address. 3. We received the first statement from this company in XXXX, 2015 after providing both the property address and an updated XXXX XXXX for billing. TODAY, THEY RETURNED A CHECK SAYING DUE TO A FORECLOSURE IN PROCESS! In XXXX 2015 we obtained a mortgage with XXXX XXXX XXXX, XXXX XXXX. XXXXXXXX. The loan documents ( attached ) states that payments should be made to FCI Lender Services Inc. located in XXXX, CA. We have sent payments to this address successfully using the loan number above, until XXXX, 2015. After sending check No. XXXX on XXXX XXXX, 2015, we were informed on or about XXXX XXXX, 2015 that payment was not received. In following up on this notification with FCI Customer Service on XXXX XXXX, 2015, we found that the Loan No. XXXXXXXX, did not exist in FCI 's system - we used the property address to look up the account. We were told that ; 1 ) the account number was not XXXXXXXX but XXXX ; 2 ) that the XXXX 2015 and XXXX 2015 payments had not been received and ; 3 ) our statements were being sent to an unfamiliar XXXX XXXX XXXX XXXX Washington . The XXXX 2015 check has not been returned and the amount was not withdrawn from the account, also at that time the XXXX 2015 check had not posted either. Further we found that no action had been taken on an XXXX 2015 request ( email record attached ) to shift the payment date from the XXXX to the XXXX of each month. And that the entire mortgage would need to be rewritten if the lender, XXXX XXXX XXXX agreed to change the payment due date each month. In addition, we attempted direct contact with XXXX by phone and received no resolution or decision regarding this matter.
08/15/2022	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	PA 190XX	Web
Initial complaint : In XX/XX/XXXX, I took out a home equity loan for {$30000.00} with XXXX d/b/a XXXX. Since then the loan changed hands about 4 times causing me to lose track of who was handling the loan. I subsequently discontinued payments after loosing my job in XXXX. Fast forward to XX/XX/XXXX when I decided to sell my house and relocate to another state for a fresh start. The title report provided information for Washington XXXX XXXX XXXX ( XXXX ) where a payoff request was submitted. That request was forwarded to the asset manager for XXXX XXXX XXXX. The asset manager forwarded a payoff to release the lien in the amount of {$91000.00}. Copy response : In response, FCI sent you a Notice of Servicing Transfer and Welcome Letter dated XX/XX/XXXX, wherein it stated that unless you, the consumer, disputed the validity of the Debt, or any portion thereof, within thirty days after receipt of this notice, the Debt would be assumed to be valid by FCI as the Debt Collector. You did not dispute the debt at that time. You were then sent a letter on XX/XX/XXXX, from the Lenders counsel who advised you that the amount of the debt at that time was {$78000.00}. You were again advised that unless you disputed the validity of the Debt, or any portion thereof within thirty days after receipt of this notice, the Debt would be assumed to be valid. You again did not dispute the debt. The loan was consequently referred to foreclosure. A mediation was held on XX/XX/XXXX, to which you did not attend and therefore, a Judgment of Foreclosure was subsequently granted in XX/XX/XXXX. Because of the foregoing, and as you stopped paying a debt that you signed for in accordance with the original Note, allowing the interest, late fees, legal fees etc. to build up over the 15 years, the Lender respectfully declines to refund any money from the {$91000.00} you paid on XX/XX/XXXX, except for the {$38.00} refund for overpayment. Rebuttal : In the company 's response, there were references made about letters sent to me in XXXX and XXXX. As any consumer concerned about scams and fraud, any correspondence received regarding my property would have been considered fraudulent, as I've never agreed to nor conducted any business with the aforementioned companies such as FCI, XXXX XXXX, or XXXX XXXX XXXX. To my knowledge, I signed an original note with XXXX d/b/a XXXX in XXXX. Any company that pops up after 15 years claiming to be owed a debt would be considered invalid, fraudulent and scam worthy. So I disagree with the company 's assertion that the debt is valid if it's not disputed. There was no documentation provided that linked the original note with these companies. It was only during the property sale in XX/XX/XXXX that the title report revealed the various companies attached to the original note. In attempts to track down the current lender to request a payoff, I ended up communicating with the asset manager for XXXX XXXX. ( XXXX XXXX ). In those communications, my position was that the original principal should be paid in good faith, along with additional cost ( XXXX ) After attempts to negotiate the amounts, they agreed to reduce 5 % ( {$87000.00} ) ( Not honored ). This was one day prior to settlement and no more time to further pursue reduction resolutions. My contention is the improper notice in XXXX that then led to 2 more years of interest and foreclosure fees in XXXX. There was no documentation provided that linked the original note with these companies. To charge $ XXXX charges after 15+ years through various companies is an unfair practice and this is a attempt to find resolution as a first step.
01/10/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NM 88012	Web
On XX/XX/XXXX a foreclosure case was opened against me. They took auto payments from my account then completely stopped. We went round and round with Loan Modifications, which I accepted all but 1, and after the trial period of me making all the payments on time and in full, XXXX XXXX stated that the Loan Modifications were invalid and they stopped taking payments from me again. This happened at least 4 times over 2 years. The final Loan modification document that XXXX wanted me to sign was for {$150000.00} for 40 years. I rejected this offer as my balance is only {$110000.00} and I only have about 15 years left. This was the last time I was able to communicate with XXXX XXXX. On XX/XX/XXXX, I called XXXX Servicing Legal Department, XXXX XXXX, They stated that XXXX was no longer the servicer ( effective XX/XX/XXXX ) and that my account was closed. I have not received anything from XXXX or the new Service Company. I was informed by XXXX XXXX that the new service company was called XXXX XXXX. I have attempted to contact the new servicer for a payoff request letter and have left multiple messages. On XX/XX/XXXX, I called XXXX and left message for the operator. I have still not heard anything back as it goes directly to voicemail. I called XXXX XXXX again and they said that they would request a payoff letter and send it to my email address within 2 business days. They stated that they were waiting for the lender to provide additional information. I am currently still waiting. I recently got my evidence of insurance from my homeowners insurance and the mortgage holder is a completely different company than what XXXX and XXXX XXXX attorneys told me. This new company that was listed on my insurance documents was FCI Lender Services , Inc. On XX/XX/XXXX, I contacted FCI Lender Services , Inc. and they were able to locate my account. I was transferred to an account specialist named XXXX. She stated that the mail that they have sent was being returned as non-deliverable. I updated all contact information with them and provided them my email address and requested them to email me all the statement, documentation, etc that they have been trying to send to me via USPS. XXXX stated that she would send all the documents to my email via secured email. She also said that any payoff request should be in writing and sent via email or fax. XX/XX/XXXX I sent the payoff request letter as instructed. I still have not seen the documents promised to me by my account specialist or any payoff documents. Up to today 's date, I have been doing some investigation myself on why it is so hard to provide me a payoff document. What I have found out is that on XX/XX/XXXX, a satisfaction of mortgage was recorded with the County Recorder 's office. Last, in XX/XX/XXXX, all real estate account on my credit report have been closed and show as PAID. Currently I do not have any mortgage listed on my credit report for any of the 3 credit bureaus. This has affected my credit score negatively which is causing huge financial issues. I believe there is two things happening with my mortgage, first since the country recorder 's office has a satisfaction of mortgage recorded the account is closed/paid-in-full. Second, my mortgage was flipped and sold to another lender or servicer or sliced up and sold to investors as securitized packages on XXXX XXXX ( This is why XXXX wanted me to sign a new note for 40 years and {$150000.00} ). This should be illegal and some penalties and actions should be taken against lenders and servicers who practice these predatory practices.
12/07/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	DC 20010	Web
On XX/XX/XXXX I signed a letter of commitment with XXXX for a hard money loan for {$660000.00}. It was a refinance with a 12 month term, 10.50 % interest rate, {$5800.00}. 63 monthly payments, {$270000.00} construction budget, {$52000.00} Interest reserve for the monthly payments. During this time, I had to submit a contractor for the construction/renovations and the one I personally submitted was refused by the lender. They in turn referred me to a contractor they knew and insisted that the only way they could fund the loan is if I used the their contractor. Reluctantly, I agreed and moved forward with the loan. On XX/XX/XXXX I went to closing and my first mortgage of {$180000.00} & second mortgage of {$61000.00}, {$1400.00} water lien, {$1200.00} real taxes, and additional fees were all paid. I personally received {$49000.00} for myself. Once the loan was finalized the renovations were to begin and their contractor started working. Over the next 5 months the contractor completely gutted my house down to the struts, never pulled the property permits and/or plans to complete the work that I requested, and painted the house even when I told him not to. As I went to visit the property to see the progress when ever he would show up, I notice the sub floors were broken, unleveled, placed over old rotten materials the were already there a mixer of old and new wood. There are places kwhere you can see through the floor to the outside of the house. The house was suppose to get a additional bump out from the basement up, and the contractor had started framing the original structure of the house, he was suppose to replace the roof and just filled it in with ply wood around the bad existing roof, and damaged the basement while digging it up. During this time after constantly requesting the plans and permit the lender and I still never received them. After stressing my concerns to the lender and they agreed on XX/XX/XXXX I then terminated the contractor and immediately went to find a new one because I had lose so much time and money on his renovation draws {$38000.00}, and {$34000.00} interest reserve payments. I then found out the contractor the lender referred me was not a licensed contractor and did not apply for the proper permit and plan to renovate my home according to the agreement. Once I found the new licensed contractor and he propived everything the lender requested to get started, they kept stringing the deal along. Once he provided one thing, they would ask for 3 more, he would provide that and they in turn asked for 2 more and it just continued until my payment reserves ran out. During this time my house is completing gutted down to bones just sitting. Now we are 1 year later and my house is still in the same condition because the lender would not provide money from my renovation reserves to move forward with the new contractor. I recently found out that my loan was sold, even while the current lender knew of all of the bad dealings going on. Now the current loan holder has threaten me with foreclosure and I am afraid that I may lose my home that 's been in my family for almost 50 years. With the current condition on my home I am unable to refinance out of this loan to a tradional mortgage and I can only qualify for another construction loan with a high interest rate and loan amount to cover all of the fee that have now accrued.
01/17/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	CA 92336	Web	Servicemember
We had a revolving line of credit back inXX/XX/XXXX and it was set up as a revolving but later it changed into a heloc. the bank was siezed by the FDIC and an Investor bought the bad debt, we then in XX/XX/XXXXfiled BK ChapterXXXX and included the debt, and then in XXXX got a loan modification for our house through the HOPE Program. Then in XX/XX/XXXX with no collection no notice of a 2nd on the property a new investor buys the bad debt again. XXXX XXXX XXXX is this Investor and they have been trying to collect. The property the 1st is at {$410000.00}, the 2nd now is claiming {$81000.00} plus penalties and arrears bringing the total to $ 130,000.00+, the property is valued at high {$400000.00}. XXXX XXXX is not willing to settle on anything less than the principal of {$810000.00} which will still put the property in a backwards state. They have not communicated properly and professionally we have documents showing this, they have lied in their correspondence on an offer we did submit to them on when they finally submitted it and then said that we offered two ( 02 ) settlements one for {$2000.00} and then one for {$8000.00} which we did not submit the second one. We then offered them a {$350.00} payment for 10 years which would still over value the property but we have lived in our home for over 20 years and I am a veteran and we are both over XXXX years old, and they said they will not work with less than what has been stated. The bad debt has been bought and sold twice after the bank was seized, and if the 1st investor would have filed the lien timely XXXX would have included it maybe in the loan modification, and we did disclose the BK to XXXX which showed the property at this time was backwards over 250,000.00 and also showed them the HELOC/Revolving LIne of Credit. We have explained that we thought because of no collection action the removal of the debt on our credit reports and what we were told by our BK Attorney that this was not going to come back up. But here it is, and we have seeked XXXX to Assist us as well as have reached out to Senator XXXX XXXX office. Why would they continue to ask for more than what the property is worth and what is owed already? We have also asked for the bank history records to show all payments made on this loan from the start until finished because there was a trade of service agreement that was made, while we were delivering for the bank, and then the bank used the house for collateral when the house was already backwards and this was stated when we filed BK, and it was included in the BK but we found out later that the Attorney used a online value site which was accurate but the judge requested to do an appraisal, but he never did and we did not know. We are asking to look into the way they handled this matter from the beginning and do not allow them to make this house overextended any more than it already is. We are getting harassed by many realtors and investors daily because what the current investor posted was not correct information it is not showing that the house has a first that is over what the real estate market values the house at show it only shows the arrears of the 2nd, and they are also trying to collect from us the payments not made and late fees on those payments when they did not own the note. we are current on our 1st and have been. Please help us..
08/06/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 90004	Web
1. FCI sent statements to an ambiguous address, XXXX XXXX in XXXX - it was not listed on any applications. 2. They never sent any communication to the property address. 3. We received the first statement from this company in XXXX, 2015 after providing both the property address and an updated XXXX XXXX for billing. TODAY, THEY RETURNED A CHECK SAYING DUE TO A FORECLOSURE IN PROCESS! In XXXX 2015 we obtained a mortgage with XXXX XXXX XXXX, Loan NoXXXX The loan documents XXXX attached XXXX states that payments should be made to FCI Lender Services Inc. located in XXXX. We have sent payments to this address successfully using the loan number above, until XXXX, 2015. After sending check No. XXXX on XXXX XXXX, 2015, we were informed on or about XXXX XXXX, 2015 that payment was not received. In following up on this notification with FCI Customer Service on XXXX XXXX, 2015, we found that the Loan No. XXXX did not exist in FCI 's system - we used the property address to look up the account. We were told that ; 1 XXXX the account number was not XXXX but XXXX ; 2 XXXX that the XXXX 2015 and XXXX 2015 payments had not been received and ; 3 XXXX our statements were being sent to an unfamiliar XXXX XXXX The XXXX 2015 check has not been returned and the amount was not withdrawn from the account, also at that time the XXXX 2015 check had not posted either. Further we found that no action had been taken on an XXXX 2015 request XXXX email record attached XXXX to shift the payment date from the XXXX to the XXXX of each month. And that the entire mortgage would need to be rewritten if the lender, XXXX XXXX XXXX agreed to change the payment due date each month. In addition, we attempted direct contact with XXXX by phone and received no resolution or decision regarding this matter. On XXXX XXXX, 2015, after talking with FCI Customer Service, the following actions were taken ; 1. stop payment on check numbers XXXX for XXXX 2015 and check number XXXX for XXXX 2015, at {$35.00} for each stop payment, totaling {$70.00}. 2. requested billing statements and communication be sent to an active address so that payment coupons can be available for mortgage payment on the XXXX of each month. 3. authorized correction of the erroneous billing address and requested that all related correspondence or issues regarding the mortgage be directed to XXXX XXXX. XXXX for resolution. 4. FCI emailed a statement for past due mortgage payments with fees and penalties ( attached ) On XXXX XXXX, 2015 we received a default letter from a company called XXXX, we were told by FCI that this company XXXX is a sister company to XXXXOn XXXX XXXX, 2015 - added a second signature and sent the authorization ( again ) to FCI then resent the correspondence a second time to verify the signature. On XXXX XXXX, 2015 we informed FCI that ; 1 XXXX XXXX checks had stop payment on them ; 2 XXXX the payments would be mailed again with the new account number ; 3 ) we expected any fees or penalties be reversed and default collections to be stopped and ; 4 ) that a complaint would be issued to the Consumer Financial Protection Bureau so that all parties will be on the same page regarding the account.
10/24/2018	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	IL 60643	Web
FCI Lender Services and XXXX XXXX XXXX XXXX have tried for 10 months to collect XXXX dollars in fees that transferred over from my prior servicer XXXX Company. I have been disputing these charges for 8-9 months. XXXX XXXX XXXX had knowledge that the fees were incorrect but chose to still try to pursue collecting them from me, even going as far as sending a demand that I pay them or risk losing my home. It has finally been determined that the fees are invalid, but XXXX XXXX XXXX has not removed them from my balance and now are blocking the sell of my home to another buyer because I disputed the fees. Below is their correspondence. ******************************************** From : XXXX XXXX XXXX : ( XXXX ) Sent : Monday, XX/XX/2018 XXXX XXXX To : 'XXXX XXXX ' Cc : XXXX ; XXXX XXXX ( XXXX ) Subject : RE : Corp Advance Fees XXXX XXXX FW : Loan Fees ( ID : XXXX - Loan : XXXX - Perf ) - Contract Documents ************************** XXXX , I am not reneging on an agreememt. XXXX AND FCI NEED TO ADVISE WHAT THE CORRECT PAYOFF IS PERIOD> YOU TRYING TO FORCE THESE FEES ON ME AND BLOCK THE SALE OF THE HOME IS ILLEGAL AND FRAUDULENT. ********************************* From : XXXX XXXX [ mailto : XXXX ] Sent : Monday,XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX : ( XXXX ) Subject : Re : Corp Advance Fees XXXX XXXX FW : Loan Fees ( ID : XXXX - Loan : XXXX - Perf ) - Contract Documents ******************************* XXXX, XXXX is incorrect in their assessment. The corporate advances totalled over $ 5k but your charges were not that much. Your charges include tax advances, penalties associated with the taxes, and other misc fees. Obviously those are collectible. We discussed this and you agreed to accept those fees if I assisted you with the sale. Now you are trying to reneg on our agreement. Well if you are backing out on your agreement then you need to read your contract closely. Under the contract, it says we do not have to execute a deed until AFTER receiving the payoff. So therefore, we are not giving your title company a deed prior to your closing. Send us a full payoff first. THEN we will send you a deed. Second, I am referring this to our attorney today since you are seriously delinquent and failed to cure the default letters we sent you. We will be adding attorneys fees to the payoff while we review the corporate advances line by line to make sure they are accurate and remove any that arent. Regards, XXXX XXXX ************************************************* On XX/XX/2018, at XXXX XXXX, XXXX XXXX XXXX : ( XXXX ) wrote : Mr. XXXX XXXX XXXX has confirmed that the corp advance fees that were transferred earlier in the year are invalid. They told me FCI did not immediately respond but contacted the XX/XX/XXXX advising they would address the issue. As of today, they have not. Please see the chain below and email attached with my communications to the lender and XXXX. Please advise on how we can get this resolved. Also, we are scheduled to close this week and we need a payoff asap. Because this is the third time we have tried to close I need my balance correctly reflected per my attorney should closing not commence.
09/23/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	GA 30058	Web
This has been an ongoing issue as I have been trying to obtain a loan modification from the company FCI Lender Servicers , Inc. since being transferred to the company for almost a year now. I originally completed a loan modification application through a XXXX Counselor XX/XX/XXXX before my loan was transferred from XXXX XXXX XXXX XXXX XXXX. However, XXXX violated federal servicing laws by not transferring my loan modification information. Fast forward to now, I already have a complaint on file, and now forced to file an additional complaint as the company continues to deny my request for loan modification. I understand a company may choose not to work with a customer, but in choosing not to work with the customer, they should never create and document false information in order to justify that cause. During the month XX/XX/XXXX I made another request for loan modification. In all this was the third attempt to receive a fair loan modification from FCI, the listed servicer, as well as its apparent managing company, whose name is actually listed on the assignment : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Trust as trustee of the Residential Credit Opportunities Trust. As they quickly denied my request for loan modification application, they sent me a letter stating that they received my " complete Loss Mitigation Package '' and some figures they worked up. I sent only a request to proceed with my updated documents and income information. I never sent a complete " Loss Mitigation Package '' because I would need to know exactly what documents they wanted. As well they would need my updated bank information etc ... Per FCI 's appeal process I responded with this letter in part : This letter is to appeal the decision that has been presented on the letter dated XX/XX/XXXX regarding the request for loan modification. The request was made on the perspective dates as stated, but I never sent to your office a " complete Loss Mitigation Package '' as stated in the letter dated XX/XX/2015. It appears that your department did not forward the necessary response to my request and subsequently stated that the department received documents from me that I never sent. As a result it appears that the Loss Mitigation Department re-pulled old information and did not allow me to send updated documents clarifying information in order to properly conduct a review of my updated income and present a true determination. I am submitting this second complaint to CFPR because I simply can not sit back and let this company or companies continue this process of violating my rights and the Fair Debt Collection Practices Act, Section 2605 of Title 12 of the United States Code and the XX/XX/XXXX Federal Law requiring mortgage servicers to follow through with loan modifications before pursuing foreclosure action. As well I was never given a chance to submit documents XXXX Loss Mitigation Package ) nor complete a loan modification application before being denied.
08/22/2020	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	IN 463XX	Web
I have have received approximately 5 different versions of the original promissory note that was signed on XX/XX/XXXX to buy my home all are forgeries. XXXX XXXX XXXX XXXX. first foreclosed XX/XX/XXXX with the first version of the forged Note. I modified the mortgage in XXXX of XXXX with XXXX XXXX XXXX the case was dismissed. They still tried to sell my property at sheriff sale based on the dismissed case after I paid them {$2700.00}. I got that resolved then sent XXXX a Qualified Written Request and received another version of the Note. I went into foreclosure again in XX/XX/XXXX and XXXX created a Backdated assignment of Mortgage stating XXXX XXXX XXXX XXXX. incorrectly assigned my mortgage to XXXX XXXX XXXX XXXX in XX/XX/XXXX. XXXX stated the Corrective Assignment signed XX/XX/XXXX was to correct the previous assignment that was filed in property records XX/XX/XXXX. XXXX assigned my mortgage from XXXX XXXXXXXX XXXX XXXX. to XXXX XXXX XXXX. Foreclosure was filed XX/XX/XXXX and all documents and affidavits are signed by XXXX employees the Foreclosure has 2 different notes with different endorsements. The judge doesn`t care and judgment was entered against me. The mortgage was transferred to XXXX XXXX in XX/XX/XXXX and the mortgage assigned to another alleged trust. XXXX has another version of the Note. Mortgage was sold again XXXX of XXXX to XXXX XXXX XXXX XXXX V-C and the servicer is FCI Lender Services. I sent a Qualified Written Request and received a response XX/XX/XXXX and now they have another Version of the Note. I have tried to modify my mortgage with all these people to stop the foreclosure but it doesn`t appear any of them are working for the holder of the Original Note. According to a Servicing Transfer Letter from XXXX XXXX XXXX XXXX XX/XX/XXXX provided by FCI the name of the creditor that the debt is owed is XXXX XXXX XXXX XXXX XXXX. FCI has provided the Servicing Transfer Notices from XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, I was informed on XX/XX/XXXX by way of a letter mailed from XXXX XXXX labeled Notification of Assignment, Sale or Transfer of your Mortgage Loan that the ownership of your mortgage loan has been transferred by loan number to XXXX XXXX XXXX XXXXXXXX XXXX. The transfer was effective XX/XX/XXXX and to start paying payments to FCI. XXXX has now Recorded a forged assignment of Mortgage to XXXX XXXX XXXX XXXX XXXX and recorded it XX/XX/XXXX in state records with false signatures and notaries of FCI employees. FCI and XXXX XXXX are trying to steel my property with the help of the previous servicers and their forged and invalid assignments. I in good faith am interested in a valid mortgage modification offered by the true party that is authorized to offer one. These parties are continuing to to trade false and forged notes and recording invalid and forged mortgage assignments for their personal gain by way of fraudulent actions.
08/09/2021	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 902XX	Web
XXXX XXXX XXXX approached us to offer a loan to help us catch up with things after we purchased our home we saved for 10 years to buy in XXXX. They had my wife sign a Power of Attorney and said they could help manage her intellectual property business. They had access about about $ XXXX. They offered a loan to help us catch up on expenses paid when purchasing XXXX XXXX XXXX and XXXX XXXX XXXX and for building a home there per the developers home buyer 's program. We discovered they do not and did not have a lenders license. They had access to our funds and promised different terms on the loan than what we signed. After they paid themselves 6 points on the loan plus costs. They said default rate was 18 % and late fee 10 % per month. Balloon payment impossible to pay of $ XXXX after 12.5 months. They did not give us escrow documents. They since filed an unlawful detainer during COVID even though we have title to our home and owe them nothing. We discovered the attorney for XXXX is friends with XXXX XXXX XXXX ( whoi changed our FHA loan on our primary residence to a commercial line of credit without us signing anything? This is so crazy we should speak on the phone. We were evicted from our home of almost a decade on XX/XX/2021 XXXX County sheriffs would not look at our paperwork and the commissioner gave possession of our home to XXXX XXXX XXXX XXXX XXXX XXXX ( we can only find info on this person in an SEC ban ) we have never met him, a Delaware company XXXX XXXX doing business in California, but suspended at the time of the Summary Possession Judgement and 8 % to XXXX XXXX XXXX which is actually a fund that has a XXXX described by XXXX XXXX, loan managed by FCI Servicing ( suspended in California ) and XXXX XXXX XXXX. They always foreclose and always give the property to the fund manager. ( XXXX and many others ) They also go as XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and more. If someone ever would bid on the predatory planned foreclosure sale, they keep the equity and do not even give that to the homeowner. XXXX XXXX XXXX was involved in XXXX foreclosures. XXXX County Commissioner XXXX is part of the fraud or ignorant and XXXX County Civil Sheriffs searched our home without a warrant. The same day my XXXX year old dog died and XXXX days before my birthday. We left in my XXXX year old yoga guru 's XXXX year old XXXX with my dog 's lifeless body. It was the worst day of my life. Our home looked perfect and we have been trying to be heard in court. But it is so difficult and sheriffs are on the lawyer 's side. We had been in hotels for a month, and kept thinking this had top be a misunderstanding. But the attorney for XXXX now represents the lot developer and took that back too, even though we paid all payments and had approved plans. So much more to tell. Please call of email. I can upload all of the documents.
06/22/2020	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	MA XXXXX	Web	Servicemember
1st. - FCI Lender Services Inc. is the sub-servicer for XXXX XXXX XXXX XXXX. The company alleges it is the owner of our mortgage. I have requested from this service a forbearance due to Corvid19 and loss of income. The company has REFUSED to give us this forbearance or even acknowledge that we have made this request. 2nd. - Over the past two years we have made repeated request of FCI Lender Services, XXXX XXXX XXXX XXXX to have a presentment of out note. Instead of granting that request, they have moved to accelerate the loan in an effort to foreclose prior to the discovery of counterfeit documents which they have provided to us. This counterfeit mortgage is being used to foreclose on out home. We have proof that these documents are counterfeit and will provide both the registry copy of our mortgage and the counterfeit copy provided to us by FCI Lender Services via a QWR request. 3rd. Out insistence on seeing the original note has been meet with continued resistance. They have no valid explanation as to how they obtained the counterfeit documentation or why they are refusing our requests. It is my belief that they know the documents are fake and are attempting to foreclose before it is discovered. Please note that corrections were made to the fake mortgage but unknown which is completely different from the mortgage in the Registry of Deeds in XXXX Massachusetts. With this knowlege FCI and XXXX XXXX XXXX can not merely state they were unaware of this glaring irregularity. In fact, thus act constitutes Uttering on the criminal statue as they are : 1. Attempting to Collect a debt 2. Across State Lines 3. Knowingly using false documentations The case of In Re XXXX ( XXXX ) Massachusetts case applies here as the chain of title can not be repaired. I will enclose a copy of both documents for you to look at. We have not paid this servicer because we have strong doubt that they actually have our mortgage given the documents they have provided. They are unwilling to communicate with us regarding this matter. In fact all communications have been referred to their legal representative identified as : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX Massachusetts XXXX ( XXXX ) XXXX. This firm is handling the acceleration of the mortgage but the mortgage they have is counterfeit. In a phone conversation with them I informed them of this fact as was told " So ... you do have a mortgage don't you? '' This cavalier approach to this serious matter belays the fact that the documents are fatally flawed, complete with bogus signatures and changed notaries. A simple visual inspection of the document shows even the street name is misspelled. Please examine these documents ... We are getting ripped off and we have been unable to get anyone to listen to us so far.
07/08/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	MI 490XX	Web
I missed my XXXX mortgage payment due to a family emergency, on XXXX XXXX within the grace period on my mortgage, I made a payment by phone for both the XXXX payment, the late fee for XXXX, the XXXX payment and an additional principal payment. I explained to the representative exactly what I was paying. Upon receiving my mortgage statement for the month of XXXX I learned that that the servicer had charged me a late fee for XXXX and had not made my principal payment instead they had placed that money in a suspense account, so I called them and told them about their mistake. Told them that they needed to reverse the late fee and apply it to principal as they had been directed to when I paid them and to be sure to back date it to the date the payment was made and to apply the money they had placed in a suspense account also on the date the payment was made. They have taken that money out of the suspense account and applied it to the principal as of XXXX XXXX, 2015, on XXXX XXXX reversed the late fee and applied it to the principal but did not make the effective date XXXX XXXX, so I am being charged interest for XXXX days that they had my money. I then sent them a letter regarding the continued billing error. On XXXX XXXX, I made my mortgage payment using their online payment option, I completed the form indicating that I was making the XXXX payment with an additional {$100.00} to be applied to my principal. I received my billing statement from them again, and this time they had placed my entire payment and principal in a suspense account and were showing that I was deliquent and still owe for XXXX and had charged me another late fee. I sent them another letter telling them that they needed to apply my payment as I had indicated that I was not deliquent and to reverse the late fee. I got a letter back from them stating they were investigating the matter and it could take some time. They have yet to correct XXXX 's mistake, or the mistakes made in XXXX, my XXXX payment has been made using their online service just like I did in XXXX, I indictated that I was making my regular payment plus {$100.00} additional to principal. They have placed that money in a suspense account and are charging me a late fee again, sending me notices that I am two months behind. I have also sent them a letter regarding this error, reminding them about the XXXX error they have not corrected and the XXXX errors they have not corrected. I have also been in contact with the actual owner of my mortgage who says he is trying to get them to correct the errors. This is now the XXXX month in a row, I am being reported XXXX days behind, and am accruing more interest everyday.
12/07/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	TN 38118	Web
Hello CFPB, I would like to bring to your attention an injustice matter that I have encountered concerning my home of 33 years with different mortgage companies. I 'd worked for XXXX in XXXX, XXXX for approximately 15 years. Due to an on the job injury, I began having problems with my legs and was placed on light duty for a number of years before I was forced to quit, in XXXX XXXX, due to unable to completely perform the job task, per new management. During the next couple of months I received unemployment, but really struggled to pay my bills and got extremely behind. Fortunately, I was approved for XXXX and Social Security and began to receive fixed monthly payments in the total of {$1000.00}. This has been my only source of income since XXXX XXXX. I was paying mortgage on my home with mortgage company, XXXX XXXX XXXX XXXX, loan # XXXX and my payments were {$250.00} per month. Then, a new mortgage company by the name of FCI Lenders Services Inc. took over my payments. They claimed that they could n't find any of my payments to the previous company and that I had n't made payments from XXXX to XXXX. I explained to them that were absurd and there 's no way I would still be in my home if that accusation was true. Finally, after several complaints from me and extensive research, they found my payments, but refused to give me credit for them and wanted me to now pay {$650.00} per month. I sent in a letter of request for them to lower my payments, but they denied the request. FCI Lenders Services Inc. gave me a forbearance agreement to pay {$650.00} per month from XXXX XXXX to XXXX XXXX. I was unable to keep the agreement due to being XXXX for XXXX, XXXX XXXX XXXX, and XXXX problems for about a week. I had to pay for my medication and see different specialist 3 times a week upon being discharged from the hospital. Since then, my loan has been turned over to a new company by the name XXXX XXXX XXXX, my file loan number is XXXX. On XXXX XXXX, XXXX, they are planning to foreclose on my home of 33 years. They told me in order to keep it I will have to pay {$120000.00} due to back pay. The home is only worth {$13000.00} and the homes in the area are valued from {$30000.00} to {$40000.00}. Please investigate this matter so I wo n't lose my home. Any help of this matter will be greatly appreciated. I 've listed the addresses and phone numbers of the mortgage companies listed above. Thanks! XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ext. XXXX XXXX XXXX XXXX XXXX XXXX. P.O. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX fax
10/25/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	KY 41051	Web
Right as my chapter XXXX was ready to be dismissed, they filed a claim that I had not made a payment in over a year. They asked for Release from Stay and it was granted as my attorney did not file a motion to dismiss their motion. Their attorney stated to the Trustee that the lender would accept payments from us as long as we continued to make them. Of course, now the loan has transferred to a different lender who will not accept payments claiming we are too far behind. I have given proof of all my payments to my attorney who is supposedly working all of this out, but in the meantime, I have sent payment after payment and the mortgage company keeps sending them back. They did accept the first payment I sent to them in XXXX but said it was a mistake. XXXX mortgage companies even sent me address information to send payments to them and when I called and spoke to their customer service dept. in XXXX, they even offered to take payments over the phone. Now, they are stating that they never should have accepted payments or even offered to do so. They are playing off of each other and each company is contradicting what the other is saying. I have gotten XXXX different statements with XXXX different " past due '' balances and " due dates '', all of which are bogus. I have written a qualified written request asking for a complete account history beginning with the original creditor and they have not provided it. They did send me a history from the most recent company but only after me requesting it 3 times and it took them over 2 months to give me that. My account has been transferred 7 times since it originated in 2003 and it has been through numerous attorneys. There are too many account discrepancies to list on here, but they are claiming that I am too behind to catch up. Even my attorney told me that he sees this kind of stuff all the time and the mortgage companies strong arm the homeowners to fall behind even further by not accepting payments causing then to eventually be really delinquent. I have all the letter from the attorney and all of the returned checks. I am tired of the games they are playing. I also find it appalling that their attorney would lie to the Court stating in their written Motion that the lender would accept payments from me and then to find out that the lender had no intention to do so. I would personally like to see them fined for deceptive business practices and would love to eventually form a class to file suit against them and seek both civil and punitive damages.
07/03/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OH 444XX	Web
I would like you to please take a look at my case. In the past 5 years my mortgage has been sold to another company 10 times. Since XXXX XXXX has taken over my mortgage every time I made a payment the total amount owed went up. They were charging me {$3200.00} for my property taxes. My taxes were only {$2400.00}. They were charging me {$2400.00} for my insurance, and my insurance was only {$1800.00}. I have been disputing with them since they took the note that there was an issue with how much I owed. They refused to try anything to get things resolved. The employee was very rude, called me and " XXXX '' and told me I did not know how to read my own taxes and insurance because banks do not make mistakes. I have never missed a payment, paid two extra payments in the last 15 months prior to our foreclosure. I was told I owed {$5000.00} in back payments but I provided documents for proof that those payments were paid. The employee told me that she would " show '' me and put me into foreclosure. I hired a attorney and they made a payment arrange for my so called missed payments. XX/XX/XXXX the bank started refusing payments, and started a foreclosure. We managed to stop the foreclosure. By them refusing my payments they skipped all the foreclosure paperwork and the courts and put my house up for sheriffs sale. My attorney stopped the sheriffs sale. Since then the bank has been to my house twice to get me to sign a loan modification. I denied them and told them to speak to my attorney. We have a court date on XX/XX/XXXX, but being that our attorney will be out of town that whole week, he is rescheduling. How is it right that I am overcharged, then refused to take my payments, put me and my wife through harassment and stress issues with fear of loosing our house when they do not even have a signed loan document from me. They are going back to XX/XX/XXXX trying to say that I owe the same amount now. I have every single document and payment papers to prove everything has been paid. My attorney has these documents and has proven it to them many times. They are stating that they are still paying taxes and insurance for the past two years even though I pay them on my own. I have all the documented proof that I pay my taxes and insurance on my own. I really need this resolved. Thank you very much for your time and consideration! Please contact me with any questions or clarification. Contact XXXX XXXX at XXXX XXXX XXXX, XXXX. ( XXXX ) for any documents. Again thank you very much!
10/25/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	MD 20748	Web	Older American, Servicemember
I was sent here by another agency, thats been somewhat involved in our loan issue. After getting the info they told me to get, they told me to file a complaint with the CFPB. Ive attached two documents. One ( 1 ) is the monthly Loan Statement. The second one ( 2 ) is the requested statement were told to get and got by way of email on yesterday evening. Our issue is that on the 10th of this month ( XXXX ) we transferred the amount of {$1600.00} for the XXXX and XXXX past due payments. These payments are due on the XXXX day of each month. The second document will show that the payment was made and received by FCI ( {$1600.00} ) on XX/XX/2019, but was not applied to the loan until XX/XX/2019. Meaning also that the past two payments that was supposed to make the account show CURRENT did not happen until after the XXXX day of XXXX and was not included in this months statement dated XX/XX/2019. And by having the payment applied after the XXXX it would make the account statement show us being three months behind, when were are really only a few days away from making this months payment, and still within the grace period. Were told that we were a victim of a Deceptive Practice, that is illegal, because a bank, lender, etc must accept all past due payments ( {$1600.00} ). They can only decline or not accept anything that does not bring the account current. The attached two documents clearly show the payments necessary to bring the account current, and was received but was not applied. Im requesting the reason why the payment was not applied. After calling on the XXXX right after making the payment though XXXX XXXX, which has always been instant, to get its here but not applied, call back later and we did several times to find out it was there and was received on the XXXX, and after more run around, we later called back on the XXXX and XXXX and was told that they did not know why it was not applied, and that it will be tomorrow ( XXXX ) and it was. The other agency had told us last year after our initial dealings with the operation that purchased the debt, to be careful and by all means dont sign anything or agree to anything. That is why weve been contesting this loan since day one. When asking why the payment was not applied, and later being told the account was in suspense. When asking why it was in suspense, it was clear that whatever the reason was we were not told. Now the anxiety knowing that were most likely a part of some kind of scam.
02/23/2016	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	FL 33063	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX On XXXX XXXX, XXXX my mailman knocked on my door and when I opened the door he gave me a piece of mail that was intended for my next door neighbor at XXXX XXXX XXXX XXXX. The mailman knew me personally and even though the address on the correspondence had the wrong address, it had my name on it. My address is XXXX XXXX XXXX XXXX. When I opened the letter it was an " Intent to Foreclose '' from the Law Office of XXXX XXXX XXXX, XXXX. on behalf of a XXXX XXXX XXXX XXXX. Had the mailman not delivered this piece of mail to me I would never had known 1 ) that this mortgage was being held by another company other than XXXX XXXX 2 ) that my house was in foreclosure and I could have actually lost my house without even being aware of this. This was the XXXX time that I had received any communication in regards to this mortgage in over 5 years. The mortgage was originally a second lien held by XXXX XXXX XXXX ( formally XXXX XXXX XXXX ). In XXXX XXXX, the XXXX mortgage was modified by XXXX XXXX Bank and we were told that the XXXX lien had been extinguished. We have been making payments on the XXXX mortgage to XXXX XXXX Bank since XXXX XXXX on a regular basis. Since we did not receive any correspondence in regards to the XXXX lien, we were shocked when we received this letter. Upon further research we learned that this XXXX lien had been sold several times over the five year period ( see attached ) and we were not notified at any time of any of these transfers which is in direct violation of 12 U.S. Code 2605 - Servicing of mortgage loans and administration of escrow account - specifically Notice by transferee of loan servicing at time of transfer ( 1 ) Notice requirement Each transferee servicer to whom the servicing of any federally related mortgage loan is assigned, sold, or transferred shall notify the borrower of any such assignment, sale, or transfer. Because of the failure to comply with the provisions of this law we would therefore request that you investigate have each entity that was involved with the transfer of my loan to provide the servicing transfer letters that were sent to me including my signature of any RETURN RECEIPT REQUESTED certified mail that was sent to me. I am attaching copies of the recorded assignments that I was able to find in public records to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX that I was never notified about.
06/02/2022	Yes	Mortgage Other type of mortgage	Closing on a mortgage	CA 90604	Web
I am asking for a few minutes of your attention. Please. I am coming to you as my last hope of being heard. I am frustrated. I have looked for help in different places : HUD, FHA, CA-HOPE to name a few of those places, as soon as I started telling them that I needed help with my mortgage lender, who ended up selling the property at an auction sale. I can no longer continue when they tell me that everything is already lost. In pain I have already learned to live, in frustration I am afraid to live. It's not fair this, impotence, with sadness that I feel seems not to move anyone.. More empathy for each other. Please, all of us, in one way or another, share the same pain that covid left us. XXXX took my father away from me, a little earlier I had lost my younger sister, the mourning process led me to a deep XXXX that prevented me from working and unfortunately I missed payments on my mortgage. in my vulnerability and ignorance it did not allow me to avoid being scammed by fake people promising to help me with the loan modification that I did not have to talk to the bank. They took money from me and made me waste my time. The bank started the foreclosure process with a sale date on XX/XX/2022 a few days before. I contacted the XXXX XXXXXXXX XXXX. They told me that they would stop the sale so that the bank would give me the opportunity to reach a settlement. I do not intend to get rid of my payments. I want the property returned to me. I am working. I can show that I can continue with the payments. I also applied for Mortgage Relief. It is pending. I need legal help as soon as possible to see everything from the sale of the property and review the loan contract. I feel that something is wrong with the contract because they started the loan with a 9.99 % interest rate for just one year. They raised the interest rate to 20.87 %, the rate they never mentioned to me when signing the contract. Today I only heard it say that I had already lost the property. I need help, please, somehow recover the property. I can show that I will not have problems with future payments, but the bank did not listen to me... Please help me with information, with a lawyer with something to help me. Do not ignore me. I beg you to help me. It is a plea for help. If someone speaks XXXX it would be better but if not, it's fine I can understand everything, because of my accent it's difficult for me. Thank you again.
06/14/2022	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 90713	Web
On XX/XX/XXXX I had a notice of default filed against my property by this company XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Ca XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX. They have several names, addresses and phone numbers but all tied together. Some of their contact numbers are XXXX, XXXX and XXXX. So they filed this NOD and demanded {$5000.00} down. They then said they could do a loan modification agreement or continue with the foreclosure. Now keep in mind this came out of nowhere when I was having severe financial challenges and my brother was dying. But they didn't care, they were just money hungry and they pretended as if they own my house, wow I've been here since XXXX. Their approach is bad, bold, bullying and threatening. Because they are a so called foreclosure company, I guess that's their brazen way of doing business. So we did a loan mod I paid the {$5000.00} and balance was agreed to {$45000.00} for 8 years and $ XXXX monthly. But the owner comes to me a few years later and says the full balance is due. I had started paying but ran into some financial difficulties with my brother passing. I end up filing a XXXX XXXX and was approved for a payment plan by the trustee. I got behind with this FCI company and they filed another NOD XX/XX/XXXX while I was in an open XXXX, was that legal to do so? They hounded and threatened foreclosure if I didn't pay them {$12000.00}. I started paying again and paid {$3200.00} to catch up and supposedly modify because the loan came due. Just all over the place with time of this loan which was for 8 years. My real issue is where {$31000.00} when to? I'm trying to satisfy this nightmare lien this month and they said the payoff is still {$35000.00}... how is that? I would like to know if they can legally charge me {$15000.00} for interest before they acquired the loan, {$1500.00} for accured interest, {$1300.00} for late charges, {$4400.00} for charges prin pmt ( what the XXXX is this fee ). I was told that I'm supposed to pay for FCI attorney fees. You see how this company is no mercy, no soul and just ruthless about money for their advantage. The XXXX with the real owner of the property, which is XXXX XXXX XXXX. I want to know if they followed all the Califonia laws in charges, collection and applying my money to the {$45000.00} agreement.
02/13/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92127	Web	Servicemember
CFPB # XXXX XX/XX/XXXX Consumer complaint narrative Lender and servicer are in violations of the CA HBOR. They acknowledged that they received a complete modification package from us. After a day, they decided to deny us for the loan modification. They never fully reviewed the loan mod package and never suggested and discussed with us the alternative options to prevent foreclosure. They made clear their decision to deny us for the loan mod is final and subject to no further appeal. They never stopped the foreclosure sale date while we are seeking for the approval of the loan modification option. Thank you. Company has responded to the consumer and the CFPB .... XXXX Hello CFPB, Above was the complaint I submitted last yea against FCI Lender Services and the lender. Specifically, the reasons they denied us of our loan modification application last year were " due to our income and multiple properties. '' and that their decision was " final and without further appeal. '' The fact of the matter is we have only one additional property ( our original home ). And, regarding my income, I was on medical leave mostly during the months of XXXX and never got paid with XXXX XXXX XXXX until end of XX/XX/XXXX. Anyway, after I wrote the above complaint to CFPB, I remember receiving a letter from FCI Loss Mitigation department that the denial was actually due to the fact that the loan modification package was submitted less than 37 days before the sale date and the first denial letter by the lender was only a courtesy. By the way, upon receiving the first denial of the loan modification package, I filed my first bankruptcy to save our home from foreclosure ... There have many many issues in the bankruptcy courts until the present times. However, on XX/XX/XXXX, we submitted another loan modification package to FCI Lender Services. After a week, we again received a denial letter stating that " our lender is unable to offer a Loss Mitigation Assistance Program because the loan modification request was received 37 days or less prior to the scheduled foreclosure sale date of XX/XX/XXXX. '' My question is, which one takes precedence ; the CFPB rules or the XXXX California Homeowner Bill of Rights stating that loan modification should be reviewed upon receipt of the package even at the day of the foreclosure sale? Please, advise. Thank you, California Veteran
06/15/2021	Yes	Mortgage FHA mortgage	Trouble during payment process	CA 93065	Web
On XX/XX/XXXX I notified XXXX XXXX that I was the new trustee for the Estate of XXXX XXXX XXXX and that XXXX XXXX XXXX the trustee before me had passed away XX/XX/XXXX due to a target car accident. I also entered into a repayment plan with XXXX XXXX on XX/XX/XXXX effective XX/XX/XXXX which was expected to last 12 months. The last payment XXXX XXXX drafted out of my account was on XX/XX/XXXX in the amount of {$490.00}. The loan was transferred to FCI Lender Services , Inc. effective Thursday XX/XX/XXXX but according to FCI Lender Services the loan was transferred by XXXX XXXX with very little information. FCI claims they do not have records of the repayment plan or the XXXX XXXX XXXX which shows that I am the Trustee of the estate and is handling all administrative matters. I have received a statement dated XX/XX/XXXX which shows late fees in the amount of {$60.00} have been assessed to the account and a second notice dated XX/XX/XXXX telling me I am delinquent and need to remit a total amount of {$1300.00}. After several attempts to locate my account manager XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and the XXXX I finally spoke with a representative today on XX/XX/XXXX by the name of XXXX who tells me that unfortunately XXXX XXXX did not send in evidence of the trust and the repayment plan I entered into with XXXX in XX/XX/XXXX. XXXX confirmed that they can not reach out to XXXX XXXX on my behalf. I then immediately call XXXX XXXX and was told that they had an entire servicing team which FCI can contact and request clarification if there are any missing documents. I have attached the most recent Payment Statement sent by FCI, and the Delinquent Payment Reminder notice. I have included evidence of the repayment plan I entered with XXXX XXXX as well as my last bank statement showing the payment that was made. In addition I have also attached evidence of the living Trust. I will also be faxing this information to FCI Lender Services at XXXX. I am requesting that FCI waive all late fees assessed on the account, authorize me as the Trustee of the Estate of XXXX XXXX XXXX, and honor the repayment plan that I entered into with XXXX XXXX. If FCI has additional questions I am requesting that they reach out to XXXX XXXX. I am also requesting that XXXX XXXX send me a payment history of my account as well as send all relevant information to FCI.
04/13/2023	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	CO 800XX	Web
I had sent an email on XX/XX/XXXX asking if there was a way to lower the payments or settle for a less amount on this account. I did not receive a response so on XX/XX/XXXX I reached out to XXXX XXXX ( FCI Lenders ) to speak with XXXX XXXX regarding my account. He had stated he did not see my email. I have voiced my concerns many times before this interaction that the agreement that I had to enter to save my home from foreclosure before was not feasible for me as they were going off income from a year that a job I had paid a large bonus out for me staying on thru the closure. My payments went from {$210.00} to {$350.00}. I have been behind pretty much the entire time as this loan was initially obtained in XXXX when they were allowing subprime loans. This is the only 2nd mortgage company that has not been willing to work with me and the only one who went the opposite direction with the payments they went up instead of down. When voicing my concerns XXXX XXXX XXXX, his only solution is that I need to pay what is owed. I have been told there is no other option for me. In XXXX they were willing to take $ XXXX to settle the loan. At that time I could not come up with the XXXX XXXX. They rolled the unpaid interest and the unpaid principle into another loan which in the end is costing me a minumin on $ XXXX more. When I asked XXXX why they were the only mortgage company charging late fees during covid he stated it was because they do no get the kick backs from the government. Seriously? The way he talks to me is very condesending he is not empathic to anything his only concern clearly is that they make the most money they can. He stated the only way I could get a settlement was if I was a year behind which would not happen before foreclosure set in as they have already served me and charged me legal fees twice for foreclosure proceedings. It was stated to me that this mortgage is just like the 1st mortgage and when he asked me to call and see if my 1st would take a settlement I advise they are offering me a modification. This is not a company that is here to help anyone but there bottom line. I wish when they did my loan tranfsfer from the original lender it was a different company or an option to roll it in the 1st. It has been a nightmare trying to come to a solution or getting any kind of options.
09/29/2020	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 92407	Web	Servicemember
This is an account of events as far as I am aware of based on the documentation that I am sending you. A Mortgage for the property at as a first deed of trust in the amount of {$470000.00} the full amount of the sale price, at XXXX XXXX XXXX on XX/XX/XXXX. On that same day, XX/XX/XXXX, a Stand-alone Second mortgage was recorded for XXXX XXXX in the amount of {$95000.00}. I was not aware that there was a stand-alone second. In, XXXX we divorced and Mr. wanted the responsibility of the house, I agreed but added a clause in the divorce that required him to maintain insurance, pay taxes, and mortgage on time. In addition, I stipulated that he refinance to take my name off the loan within two years. After 3 years ( XXXX ) when he did not and was about to go into foreclosure, I sued him for possession, he was evicted and I moved into the house. Mr. had negotiated a loan modification in XX/XX/XXXX with XXXX without me knowing or being involved. When I moved back into the house I found a property profile that documents both the XX/XX/XXXX transactions as well as the Notice of Trustee Sale dated XX/XX/XXXX. Later when the enclosed piece of mail caught up with my move I received a Substitution of Trustee which indicates XXXX XXXX XXXX assigned XXXX XXXX XXXX XXXX XXXX XXXX, whose address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA, XXXX. I had no idea what that was! In XX/XX/XXXX I received a letter from FCI Lender Services explaining I owed {$97000.00} to their client XXXX XXXX XXXX who has authorized them ( FCI Lender Services ) to collect on their behalf. I was shocked and immediately called XXXX XXXX XXXX and asked if the was a problem and fully explained the notice/request for payment. The customer service rep explained that my loan transferred smoothly and completely from the previous mortgage services XXXX XXXX. I then called XXXX XXXX and explained the exact same concern, I got the same response there was no problem with the transfer and confirmed my loan details and amounts. Now I am getting notices that now say, Foreclosure Prevention Alternatives. I do hope you can explain to me how someone The Trustee can take out a stand-alone second in excess of what the house is worth. Wait seventeen years then try to collect from me when I did not take out the loan nor benefit from it?
11/07/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	MD 20748	Web	Older American, Servicemember
We have requested a loan Payoff from the Servicer of the loan, as requested by those who are helping us. That Payoff amount has been received as of date. The people who are helping had asked also for the loan document, which was the Promissory Note. We sent them the exact same copy that was provided to us from the debt owner. The requestor wanted to see the original terms of the loan, with the intent to possible negotiate a settlement amount on the balance if possible. Sometime after receiving the Promissory Note we were told that the main terms of the Note was missing, or not assigned to the paperwork we provided and this may explain the blurred page that I've asked about before. We had mentioned that we were made aware that something was wrong with the Promissory Note several times over but were never told what the problem was. Only to not sign the loan modification because it would fix the problem. We're also told that the alterations on the stamp section of the page, if not there when we signed the Promissory Note, to include the blurred page and missing TERMS, would need to have our assent to make the document not being VOID. They mentioned other stuff, but what is really important is to know where the terms are and why are they not showing on the document. They ask for the following : Interest rate -- Payment Amount -- Maturity date -- Due date -- Number of years term. Two other things I'm not able to make out, but one looks like Promise to pay. Please examine the attached copy as to verify that it's the same received. I've copied a part of an article they shared with me from a recent case overturned in Maryland this past summer. " The Court of Special Appeals was particularly concerned that the lender did not comply with Maryland Rule 14-207 ( a ) ( 1 ), which requires a certification that the loan documents filed with the order to docket suit are true and accurate copies. Instead, the papers appended to the order to docket suit were alterations. Further, the court noted that foreclosure proceedings are equitable in nature and that courts of equity require that litigants have clean hands. Because the court found that the lender in this case did not meet that standard, the Court of Special Appeals reversed the order of the circuit court '' Hopefully this would be our last request
02/18/2021	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	FL 328XX	Web
I guess I don't have room for a long story so I'll kind of keep it brief there's a company called FCI lending services/XXXXXXXX XXXXXXXX XXXX Play papers for a vision of the property that I've been paying for for the past 5 to 6 years since my brother passed in XXXX or XXXX now for one year I've kind of had to do repairs on the house and I was sending what I could or makes me up the the mortgage slips and still trying to send the money now XX/XX/XXXX I have paperwork that says this law firm XXXX XXXX the XXXX XXXX Florida bar number is XXXX is trying to evict me from my residence when there is no foreclosure I've tried settling with them with the money I do have from my accounts equaling up to {$6000.00} but they're a little lawyer fees and the mortgage they want more than {$10000.00} and I don't wan na work with me I lived in this house for 11 years my mom has died in this house my brothers died in this house I am trying since the pandemic to try to catch up with the mortgage with the stimulus package and also helping others get back on their feet by letting people stay here but when they steal from me I have to replace stuff also also this company since my name is not on the mortgage but is on the last will and testament of my brother and have shown them both copies of the of these PaperWorks that they refused to put me as a co-mortgage holder so I'm able to get homeowners insurance on the house I've survive in this house 3 to 4 category five and have damage to the house and to the outside carport I know the mortgage company called XXXX XXXX sold a mortgage to the XXXX XXXX XXXX FCI and records then they are supposed debt collectors know I've tried reasoning with them and trying to get some insurance money since I have house damage to the house and have mentioned to them multiple times per phone call and in person from a young lady named XXXX XXXXXXXX to her about code enforcement saying that the house needs a paint job and they don't like my window coverings that I have for hurricane so they did help me repaint the house and put a new set of windows up but I still have roof damage this company has housing insurance or hazard insurance on my residents that they do not want to help in anyway even though that I'm paying for hazard insurance through the mortgage
11/27/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 124XX	Web
FCI is a company that services mortgages and payments on real estate loans. We received an unjustified late fee in XX/XX/2022 because the automatic payment we set up from our bank account was set to an initial monthly payment amount, that based on the nature of the loan, was going to quickly increase to a new amount. This is because the loan package to purchase a house also included a renovation loan to repair the house. The terms of the loan included an increase in the monthly payment when we applied for partial payments, or draws, on the renovation loan. This increase in the monthly payment was entirely forseeable due to the terms of the loan. We set up an autopayment on the original monthly payment amount, which worked for the XX/XX/2022 payment. As soon as we applied for the first draw in XXXX, the monthly payment increased. However, the setting of FCI 's autopayment from our bank was set on the fixed initial amount, not an automatic floating amount to cover changed monthly payments. The autopayment would not take the new amount from our bank, which FCI blamed on us, making a hostile phone call and sending late payment letters. We had to call an FCI representative and pay the missed payment and a {$74.00} late charge individually, and were told we had to wait until that payment cleared before we could toggle the settings in our online account to make the monthly autopayment automatic to cover a flexible amount, rather than a fixed single account. Our belief is that FCI clearly sets loan payments this way to ensure that everyone runs into this problem, and misses a payment when their monthly loan payment increases due to the activation of draws on their renovation loan, to enable FCI to levy a late fee that is entirely their fault. The solution - FCI changing the default setting on their loan payments from fixed to automatic - is so simple and easy that it is clear that having the default payment setting on fixed is company policy to cause loan customer autopayments to fail, allowing FCI to extract a late charge- on every loan with a renovation package. We have already requested and received a refund, but we assume many other loan customers are being mistreated. Please compel the company to change their policy and enforce whatever laws they have violated.
04/07/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	NC 28104	Web
My deceased mom ( XXXX XXXX XXXX XXXX had a loan with XXXX XXXX XXXX XXXX and there was a co-debtor on the loan, in XXXX, the co-debtor XXXX XXXX signed a quitclaim deed releasing his rights to the property to XXXX XXXX XXXX. At some point thereafter and while the loan was in default, XXXX XXXX XXXX XXXX XXXX XXXX as Owner Trustee for the XXXX XXXX XXXX XXXX was assigned a modified version of the note between XXXX XXXX and XXXX. There was no notice of default sent by or on behalf of XXXX XXXX XXXX XXXX XXXX XXXX, but a summons and complaint was filed and served for foreclosure. Several complaints to several agencies has revealed that according to XXXX XXXX XXXX XXXX XXXX XXXX as Owner Trustee for the XXXX XXXX XXXX XXXX XXXX XXXX as the servicer for the trust and that I needed to contact XXXX as XXXX does not get involved with the foreclosure process. I then reached out to XXXX and initially XXXX informed me that they have not serviced the loan since XXXX, but after I presented the letter from XXXX, they asked for additional time to respond to the Notice of Error. I had also filed complaints against FCI Lender Services , Inc., because FCI 's accounting records appeared in the foreclosure case file. FCI Lender Services , Inc. responded that they are the servicing the loan at the direction of XXXX XXXX XXXX XXXX XXXX XXXX as Owner Trustee for the XXXX XXXX XXXX XXXX XXXX which is an entirely different trust. Despite the fact that XXXX XXXX XXXX XXXX XXXX XXXX as Owner Trustee for the XXXX XXXX XXXX XXXX XXXX XXXX lender, FCI Lender Services , Inc. is unwilling to correct their servicing errors and claim that no errors exist. FCI Lender Services is not contracted to act at the direction of the lender as the lender has provided a written response that XXXX is its servicer. There is clear fraud going on her, but FCI Lender Services , Inc. is remaining steadfast at claiming a default for its client XXXX XXXX XXXX XXXX XXXX XXXX as Owner Trustee for the XXXX XXXX XXXX XXXX XXXX but the loan is not in the trust serviced by FCI and their client is not the plaintiff in the foreclosure.
05/02/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Application, originator, mortgage broker	AZ 852XX	Web	Older American
Under 12 CFR 1024.38 ( b ) ( 2 ), the servicer must properly evaluate loss mitigation applications by providing accurate information regarding loss mitigation options available to the borrower and ensuring that a timely review is made of said application. The procedures must also comply with 12 CFR 1024.41. I made an application for a loan modification and it was not fairly or properly processed. It was denied based on erroneous information. On or about XXXX XXXX, XXXX I requested a loan modification from FCI Lending Services , Inc. On XXXX XXXX, XXXX, I received a letter from FCI Lending Services Inc. indicating that I needed to provide additional information ( the XXXX and XXXX federal tax return and the last XXXX paycheck stubs ) byXXXX XXXX, XXXX. I sent the additional information on XXXX XXXX, XXXX by express mail and it was received by FCI on XXXX XXXX, XXXX. On or about XXXX XXXX, XXXX, I received a letter from XXXX XXXX, who appears to be both the CEO of FCI Lender Services , Inc. and XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX as trustee of the XXXX XXXX ( the proposed investor on my alleged loan ) via XXXX XXXX, he denied the loan modification based on " insufficient income ''. " Debt to income ratios XXXX siting the average monthly income on PAST tax returns of {$9200.00} and not the current income submitted which shows income averaging over {$17000.00} per month in XXXX. The XXXX paystubs that were sent to FCI, Check # XXXX dated XXXX and # XXXX dated XXXX respectively show income totaling {$34000.00} during that two-week period which was completely ignored. The denial was based on erroneous information. My loan modification application was not properly processed as it ignored the current income and based the decision on past revenue which is not relevant today. Additionally, I have requested a complete detailed explanation of the current deficiency which has gone unanswered. I believe the current monthly payment is also incorrect and does not reflect the terms in both the Truth in Lending Statement as well as the actual terms of the Adjustable Rate Note.
08/20/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	VA 231XX	Web
My issue is with the current servicer of my mortgage loan, FCI Lender Services. They are ignoring my requests for information and assistance and also do not appear to be licensed to do business in the state of Virginia. My now XXXX husband XXXX and I bought our home back in XXXX. We endured many struggles due to his health issues. Even when he was unable to work and bed ridden and I was out of work caring for him full time we kept up with our mortgage payment. After he XXXX in XXXX I had to use the remaining savings to keep up with bills and handle his affairs and funeral costs. I began struggling financially and started trying to get back to work but it took some time. I thought I would be OK because I had been led to believe I would be receiving survivor benefits but after going through the process found that I was too young to receive this. I ended up falling behind on my mortgage payments. I eventually was able to get a job working as a XXXX ( have worked in this field for 40 years ) but was behind on the loan. I tried to get my loan modified but had issues because the loan got transferred multiple times. I was eventually told that my loan could not be modified because the loan and title were not in my name. I went to court and I was established as the executor of the estate and got all of the paperwork that established that I was the rightful owner of the home. I was then able to engage with the servicer at that time XXXX XXXX XXXX and thought I was making progress toward a modification when the loan was transferred to FCI Lender Services. No one at FCI has been willing to give me the time of day or consider me for any modification options. They have not looked at my current financial information and have not assigned an account manager to work with me to discuss options to resolve my delinquency and modify my loan. I just want to save my home, I work full time as a XXXX and my daughter is living with me and contributing towards bills and the mortgage payment and is going to be staying indefinitely. We can make this work, if FCI would work with me.
03/07/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 125XX	Web
My family had experienced a hardship. My fiance became XXXX and shortly after I had lost my job. I proactively reached out to the bank because just in case I ran into any trouble paying my loan. The bank was XXXX. XXXX placed me on a forbearance plan. I did not know that this would impact my credit. They asked me to complete paperwork for a loan modification -but before it was finalized sold my loan to XXXX XXXX . XXXX had modified my loan but sold it to XXXX XXXX. XXXX XXXX would not honor the modification and told me it was done wrong. XXXX XXXX changed the modification and increased it by an additional {$500.00} and sold my loan to FCI Lenders, LLC -/XXXX . They sent me a letter informing me that I was late on my payments. I was never late on my modifications ever and decided to discontinue my escrow account asking me to pay the principle only for XX/XX/2016 and XX/XX/2016 - the representatives name was XXXX XXXX ( XXXX ) XXXX. I explained to XXXX that my loan should be in good standing and that they can not change the terms of my loan. I also provided him with a tax bill - Anthonly informed me that FCI Lenders was sitting or holding over {$8000.00} in an account when they discontinue my escrow. I forwarded the tax bill and they have not paid it yet. I was then transfered to XXXX XXXX ( XXXX ) XXXX, I asked them to honor my loan modification and XXXX is telling me that my house is upside down and I should find another lender to give me a loan. XXXX informed me that they will take {$230000.00} for my loan. I forwarded all the bank statements showing them I have not defaulted on any payments. They will not continue my escrow and do not honor my loan modification. Why are we asked to complete all these forms and the government has a program and the banks sell your loan and then put the responsibility to show payment on the borrower and want to remodify my loan or get a new loan. Help me please - I can be reached at XXXX my name is XXXX XXXX.
03/02/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	NJ 077XX	Web
We have been trying to negotiate with the holder of our mortgage loan FCI Lender Services in XXXXXXXX but are being stonewalled and given false information while they work to auction off our home we have owned for 50 years. FCI has claimed that since they are a private company that they are not bound by any federal or regulatory guidelines that govern mortgages. Based on earlier complaints we had registered with FCI, they agreed to open a review and issued a denial letter on XXXX XXXX, 2017 ( uploaded ). In the denial they state that they will not use my wife 's income because " unable to count the self employed income due to lack of 2 year history to support the income ). I thought evaluations were based on the current financial information from the last 90 days?? This income is listed on the tax returns, I find it hard to believe that FCI can just discount it and make up a rule that this income does not count because it comes from self employment and they do n't see a two year history??? Also in the denial FCI states that there was no type of good faith down payment offered toward the arrears. This is false, we offered them $ XXXX earlier this year in order to get them to work with us. Not only are they denying us access to programs and inventing guidelines as they go they failed to offer us the option for mediation in the state of XXXX, which is required by law. Additionally, FCI has been piling on junk fees for all kinds of things ( inspections, questionable and extremely high late fees ) and also greatly inflated the delinquency due for past taxes and insurance. They claimed that I was so far in debt to them that they could not work with me. I told them that they were required to work with me because the government has programs in place to help struggling borrowers. They told me that they do not have to follow the government regulations because they did not take bailout money and because they are not regulated by the government.
08/01/2022	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	PA 190XX	Web
In XX/XX/XXXX, I took out a home equity loan for {$30000.00} with XXXX XXXX XXXX. Since then the loan changed hands about 4 times causing me to lose track of who was handling the loan. I subsequently discontinued payments after loosing my job in XXXX. Fast forward to XX/XX/XXXX when I decided to sell my house and relocate to another state for a fresh start. The title report provided information for XXXX XXXX XXXX XXXX ( XXXX ) where a payoff request was submitted. That request was forwarded to the asset manager for XXXX XXXX XXXX. The asset manager forwarded a payoff to release the lien in the amount of {$91000.00}. I was devastated! The payoff included various charges including the original principal, over {$51000.00} in rate interest, foreclosure fees, and many other charges. While I believe that I owe the original principal amount, I should not have been taken advantage of in this manner. In attempts to negotiate the payoff with the company, they had me submit documents that included the current purchase agreement, tax returns, bank statements, and other personal financial information. The company XXXX XXXX XXXX ) offered on 5 % discounted from the {$91000.00} payoff. I could not believe that this was happening days before settlement of my house of 21 years. I was forced to pay the full amount to avoid a disastrous outcome if I terminated the sale. The additional {$60000.00} snatched from my proceeds, intended to buy a home in a new state, has left me homeless. My original loan was with XXXX XXXX XXXX. The {$91000.00} charged by this XXXX XXXX ( Serviced by FCI ), who just picked up the loan in XXXX, seems predatory and illegal to take advantage of consumers in this manner. I do not know the process of companies selling debt, but it seems the original company would have been compensated when the sold the debt to the others.
05/18/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92886	Web
In XXXX we had our mortgage modified due to job loss and medical reason. The was set to increase interest as the loan matured. Back in XXXX I reached out the XXXX lending as the payment amount was going to increase from {$3300.00} to {$3600.00}. I tried working with the company to refer or modify the loan. XXXX sold the loan to FCI. During this time I was working with a company by the name XXXX to assist with a modification. XXXX advised to stop making payments as they would work with FCI. After about two years of trying to get this worked out I fired XXXX and started to talk with FCI directly regarding a modification. FCI forgave the back interest on the loan. We were caught up with payments until about XX/XX/XXXX. We are currently behind one payment. I have sent FCI information showing my father who is on the loan is on XXXX. He has been on and off XXXX for the last 5 years. The current XXXX is around a year time. During this time I faced job lose 3 time from XXXX to XXXX. I am currently furloughed with my current job as well. FCI has been made aware of this as I continue to seek assistant. FCI has declined any assistant. In XXXX of XXXX I requested FCI to escrow home owners insurance. FCI declined and as a result has charged me {$310.00} per month for they insurance on the home. Our current payment is {$3900.00}. I have made it clear to FCI that I need my payment lower and they seem to have the idea that they will do cash for key or take the house. With Covid 19 and my being furloughed as my father on XXXX, we are struggling to make our payment. we owe about {$580000.00}. The home is worth around {$870000.00}. I have asked FCi to work with us on the past due amount so that we can refi and they refuse. I have sent several emails to try and work with them, but they will not budge.
08/05/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33950	Web
I XXXX XXXX helped my mother modify her mortgage With XXXX the mortgage company the first payment was due XX/XX/XXXX Sadly that is the day my mother passed I informed them of her passing and told them that I was going to to keep up with the mortgage On XX/XX/XXXX The county in Florida where the home is XXXX XXXX was hit by a Cat5 hurricane which caused major damage to the home plus the town XXXX XXXX was not in shape there was no power stores and the courts were closed for a while There was no foreclosure filing or trials put in effect for the countys effected in XX/XX/XXXX I was XXXX days behind I was able to get the payments for the XXXXdays plus one for the month of XXXX I was told to Pay a reinstatement fee that was not reachable at that time I was told that the home would be foreclosed and sold on a auction The insurance company sent a inspector out to assess the damages I lost a lot of things that the inspector wrote in the claim I was never informed or sent a payment the mortgage company kept the payment So I need help with this matter I've spoken to many attorneys in my area and they tell me they are not taking cases like mine I also supposed to have whatever was left over from the sale but the judge ruled against me XXXX XXXX XXXX XXXX XXXX I would like to have them investigated And I would like to Add XXXX XXXX to the complaint too My mother was XXXX yrs old XXXX XXXX XXXX and only had an XXXX grade education in XXXX of XXXX she was given a XXXXyr mortgage she did a refinance which they should have never did They didn't expect her to pay off the mortgage Please someone help me with this matter I've been trying to get it done but no one wants to take my case as you can see I have some stuff that is really complex I have more but I'll stop here
03/24/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	MS 38655	Web
FCI Lender services became the servicing company for my mortgage loan ~3-4 years ago. I have been paying on the loan since this time with no late or past due payments. Upon refinancing another mortgage I learned none of my payments ere being reported to the credit bureau. In order to pay off this company a verification of mortgage was needed. This process was very complicated and I later found out cost {$25.00}. This charge I was unaware of until I received my monthly statement. On XXXX/XXXX/16 I called in to pay off my loan. Upon speaking to the CSR I was told that I could n't pay off my loan without a payoff. After telling her the amount I was given on the verification she informed me that amount was n't correct and I would need a payoff that would have to be sent in the mail. This would take time and the interest as well as monthly draft would continue. After much discussion, she informed me of the {$25.00} outstanding fee, as well as an {$18.00} fee for phone payment that would be added to the amount that she could not verify as the payoff or not. After making check payment, I was informed the check would take 10 days to clear which could involve further interest as this had to be verified by the lender. I requested to speak with a manager and initially told the manager was gone because they had already closed. Then asked to hold on for her to find someone. XXXX came to the phone and offered no resolution to the issue of waiving any fees and again assured me of the time frames of check clearance and the possibility of further interest accrual. She also informed me the request for a payoff was {$30.00} and the only way to get funds quicker was to wire the money or do cashiers check. Again, more money to simply pay off what was already owed.
11/14/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage Foreclosure	NY 11203	Web	Older American
On XX/XX/XXXX, a decision was entered in the courts of the intention of XXXX XXXX Bank to auction off my property, located at XXXX XXXX XXXX XXXX XXXX NY XXXX. Since that time we have gone through the XXXX pandemic. During this time it was an understanding that because of the financial difficulties being experienced by home owners to keep up with their mortgage payments, there would be a stop placed on forclosures. Again neither my lawyer or I was informed of a decision by XXXX XXXX 's Legal team to pursue another foreclosure and auction of the property. This decision of foreclosure was entered in the courts on XX/XX/XXXX. I received a date for sale XX/XX/XXXX. Recently I received a new letter in the mail stating a determination to sell at auction on XX/XX/XXXX, The fact of the matter is that it was never proven in court that XXXX XXXX had legal ownership of the mortgage on my property. And the court issued this decision in XXXX. The reason being the XXXX XXXX of legal acquisition of the mortgage was never proven in the court of law. XXXX XXXX could not prove how they gain ownership to the mortgage on my property. XXXX times there was a case for foreclosure of my mortgage without my knowledge of the case filing or date of court appearance. Presently a new Loan servicing company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, has taken over the management of the mortgage loan. XXXX XXXX has stated they have had nothing to do with a foreclosing on my property even though the bank is mentioned in the case as is recorded on the notice attached to this complaint. All of these cases are being pursued and conducted in the courts to foreclose and I am not clear of who is responsible.
07/12/2019	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	CA 90713	Web
I had a second loan that was owned by XXXX XXXX and went dormant when the market turn bad. Years later the loan was purchased for pennies on the dollar by XXXX XXXX XXXX. Back in XXXX this bully company filed a notice of default after they purchased the loan and started strong arming me to pay or they will foreclose. At that time the lender committed procedural errors. Respa, Fair Debt Collection Practices Act, Home owners Blll of Rights, Loan Modifications violations. They said they would modify only if I paid them $ XXXX which I did so to modify. XXXX XXXX demanded this money as profit and if I didn't pay it they said they were going to foreclose on the property. This sounded illegal but I agreed because I didn't want to lose my house. So now XXXX XXXX has filed another notice of default. I ran into a few financials hurdles that I'm fixing at this time. I called to try to work something out with them and they refuse and want {$14000.00} ( incorrect amount due ) up front which they know I don't have at this time. So now they are taking this opportunity to try to steal my home. They did not follow the states preforeclosure loss mitigation requirements, mediation options, options to avoid foreclosure. I filled out a RMA and sent back to the servicer and the owner responded with a denial stating I failed the first loan modification. How did I fail it, it cost me $ XXXX to even get the loan modification that was given. This company is XXXX XXXX to take my home that I've had since XXXX. I am willing to work out some type of payment plan to resolve this matter ASAP!
01/28/2023	Yes	Mortgage FHA mortgage	Trouble during payment process	FL 34609	Web
Loan # XXXX The servicers is FCI my mortgage payment is XXXX They are getting the payments on time. now they said I have to pay them XXXX I pay my own insurance and my taxes are only {$120.00} per month {$1500.00} per year, they are not my principal and interest is {$530.00}. If my taxes are only {$120.00}, why are they putting on escrow {$370.00} These people are crooks. This loan was originally with XXXX XXXXXXXX XXXX XXXX loan # XXXX. this was a bad FHA loan from the beginning that XXXX XXXX was never able to sell. Finally on XX/XX/2022 Patriot lending assigned this loan to XXXX XXXX XXXX XXXXXXXX XXXX XXXX, with address of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL, XXXX they converted this loan from FHA to a conventional loan I guess. I never signed no documents, the terms of my loan was 30 year fixed. I have try several times contacting you regarding this matter, this people at this point are doing whatever they want with my loan, withouth no repercussion from the government agencies. XXXX XXXX is a foreign company transacting mortgage businesses in the state of Florida. They are not registered with HUD, nor FHA. I need you to please help me with my case, this has put a lot of stress on me and my wife. The loan is up to dated, except for this additional moneys they say i have to pay, which are not part of my original mortgage contract. I have not modify, nor refinance my loan and I believe HUD and FHA should be contacted on this matter as well. If you have any questions, please feel free to contact me at XXXX. Sincerely, XXXX XXXX
08/09/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32164	Web	Servicemember
My mortgage company was contacted by the attorney representing me in the sale of my home and a closing date was established for XX/XX/XXXX at approximately XXXX. My mortgage payments are scheduled to be automatically debited from my checking account on the XXXX of the month excepting if the XXXX falls on a weekend. I contacted the account manager that is the contact for anything connected to the mortgage account in my name and instructed him not to debit my checking account for the month of XXXX as the home would be sold on the morning of the XXXX. The mortgage company debited my account several days early so they could receive the payment before I closed the sale on the XXXX. I instructed the mortgage company that by doing so they would change the outstanding balance on the sale price of the home and I would lose a full month mortgage for a few hours of ownership. I have requested that the mortgage company reimburse me for the withdrawal made from my account for the payment of the XXXX mortgage and have not yielded positive results from any conversation with them. Their intent to extract payment early was only so they could get one last payment prior to sale. The sale of the home went as planned on Monday XX/XX/XXXX XXXX and I lost a full months mortgage for a couple of hours of ownership. I instructed that if for any reason the closing did not go as planned then they could extract the payment on the XXXX which they have done several times before in the past when the XXXX of the month fell on a XXXX. I seek resolution for this issue.
08/22/2020	Yes	Mortgage FHA mortgage	Trouble during payment process	NV 89502	Web
It started when i tried to apply for home equity line of credit. I have a FHA loan and FHA down payment loan. I use to have XXXX XXXX for the down payment loan but i have a different service now with FCI Lenders. As far as i know there was no penalty paying off the down payment loan early. So i called FCI Lender to find out what's my remaining balance to pay it off but they told me that i have to write a letter and mail it to them that i want to pay it off. I was like, i just want to know my balance to pay it off. So i said never mind and just paid a lot more than the usual payment i do every month. On XX/XX/2020 i payed off the remaining balance on my account ( show 's on my monthly statement ). A couple weeks later i got a letter saying that i still owe money and i need to pay it off to get my account release. I thought there was no penalty? so i called my old lender about the problem im having. She told me, did i receive a change of service letter?, and i replied i think i did but it was a while back and when i tried to look for the letter which i normally save that i couldn't find it. She told me to ask the new servicer the change of service letter info, they should have it. So i called FCI lender and ask for it but they told me they don't have it. I ask, will my old service should have it? FCI Lender told me no, they won't have it.??? so who have it? I thought Reconveyance Fee was charge on the beginning of the loan? or any other fees at the beginning of a loan? Shout out to my old lender for telling me to check out CFPB.
01/24/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 905XX	Web
This complaint is about the Forecloser Sale of XXXX XXXX XXXX XXXX ca XXXX scheduled on XX/XX/XXXX. Regarding Loan Number # XXXX, from FCI lender Services, INC ( servicer ) and XXXX XXXX ( borrower ). The Junior Lienholder FCI Lender Services, INC has failed to meet any of the California Foreclosure Statutes : Cal. Civ. Code 2923.5, 2924 to 2924l ; Cal. Code of Civ. Pro. 580a through 580d. California Homeowners Bill of Rights II, and Consumer Financial Protection Bureau XX/XX/XXXX regulations by never sending periodic billing statements, sending interest rate notices or requesting a meeting to discuss loan modifications, forbearance agreements or address any type of repayment programs. XXXX XXXX XXXX XXXX, XXXX and FCI Lender Services, INC has had no correspondence with XXXX XXXX for 13 and a half years. XXXX is seeking a sum of XXXX, consisting of an original sum of XXXX, loan fees plus interest. Loan Number # XXXX has never shown up on any credit reports or made any type of inquiry. FCI has failed to meet any early intervention requirements, continuity of contact requirements or has made any attempt of mitigation. The following Parties are involved in this transaction are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FCI Lender Services, INC, and XXXX XXXX. Please contact me in a timely manner via Telephone ( XXXX ) XXXX, by mail at XXXX XXXX XXXX, XXXX, Ca XXXX and by email at XXXX. Sincerely, XXXX XXXX Mitigation is the best option. I'm more than willing to work out a payment plan with said lender.
07/27/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	CA 94401	Web	Older American
FCI is the loan servicer XXXX XXXX is the borrower The loan is a HELOC The loan was interest only from XX/XX/XXXX-XX/XX/XXXX In XX/XX/XXXX the loan was to be adjust to a fully amortized P & I schedule using a rate of 3.25 % plus 50 basis points or 3.75 % The unpaid principal balance at that date was {$37000.00} The borrower was in her XXXX when the loan was supposed to be adjusted from interest only to P & I in XXXX. The loan servicer never adjusted the loan in XXXX to P & I in XXXX and continued to bill the loan as an interest only product and continued to raise the interest rate on XXXX XXXX when it was supposed to be capped in XX/XX/XXXX. When it was discovered that the loan was not being billed according to the promissory note, FCI decided to start the P & I calculation in XXXX using the current interest rate of 5 %. We do not understand how a lender can make several errors in providing loan processing services, 1 ) not giving proper notice in XXXX and adjusting the loan according to the loan agreement 2 ) and then adjusting the loan in XXXX when the interest have risen and using the higher rate in their favor. Does this mean if they didn't discover the error for another five years and the interest rate is now 8 %, that they could arbitrarily use 8 % and gain a significant financial advantage due to their own mismanagement of the account? We find this to be an abuse of their fiduciary responsibility to the borrower and elder abuse.
09/18/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33172	Web
House is scheduled for foreclosure sale next month XXXX/XXXX/2016, attempts have been made to resolve the problems with the current Servicer " agent '' acting as an XXXX entity called " XXXX XXXX XXXX - XXXX '' to avoid foreclosure but they simply refused to cooperate and follow Federal and State laws when a borrower is attempting to obtain alternative options to foreclosure. Since the Servicing Transfer from the prior Servicer, " FCI Lender Services , Inc. ( the current Servicer for XXXX XXXX XXXX XXXX, XXXX XXXX have never attempted to resolve the debt, make any attempts to evaluate for potential resolution, restructure or otherwise work with the homeowner and/or provide foreclosure alternative options. We have not been given the opportunity to be reviewed for the XXXX program or other loss mitigation alternatives and without any " Reasonable Efforts '' from the Servicer or it 's assigned agent or the Investor 's in an attempt to provide us with viable options. Under XXXX XXXX XXXX ( XXXX of XXXX Regulations ) XXXX ( b ) ( XXXX ), the servicer MUST properly evaluate loss mitigation applications by providing accurate information regarding loss mitigation options available to the borrower and ensuring that a timely review is made of said request/application. The procedures must also comply with XXXX XXXX XXXX. The referral to foreclosure action has been made illegally based on violation of the XXXX Program, Federal and State laws.
08/08/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	CA 92336	Web	Servicemember
On XX/XX/XXXX a Substitution of Trustee was filed with the recorders office by California TD Specialists on behalf of XXXX XXXX because of a revolving line of credit that was taken out with XXXX XXXX XXXX ( Which was siezed by the FDIC ). We included this revolving line of credit on our personal BK ( Chapter XXXX ) in XX/XX/XXXX. We also included the home in the BK and also included that the home was backwards at the time of the BK. We just recently found out that the Judge requested our Attorney to submit more document proof in regards to the value of said house. ( Which he did not ) In XX/XX/XXXX The note for the revolving line of credit was sold to XXXX XXXX and we explained to them what had happened and they wrote off the debt and we did not hear from anyone for over 7 years. Then the note was sold to XXXX XXXX, we spoke with them telling them the same story, and sent reporting documents as such. They said they would get back to us. Then we started to receive invites from foreclosure help vendors. We then called XXXX XXXX and they will not return our calls. We then received notification from their Attorneys, I called them they said they could not speak to us, that we needed to call XXXX XXXX, I explained to them that they are not answering us, they had no further direction offered. We have contacted Senator XXXX 's Office and are seeking counsel but we are trying all areas to save our house we have liven in for over 20 years.
02/07/2022	Yes	Mortgage Other type of mortgage	Trouble during payment process	IL 60621	Web	Older American, Servicemember
I got an interest-only mortgage through XXXX XXXX XXXXXXXX for {$100000.00} for my property at XXXX XXXX XXXXXXXX XXXX, XXXX, IL XXXX. The property did not have a mortgage on it at that time. They also had me put my property located at XXXX XXXX XXXX XXXX up for collateral. The loan was supposed to be used to rehab the building. {$55000.00} of the loan went towards fees, taxes, insurance, and the water bill. I received about {$10000.00} at closing. They held {$40000.00} and was supposed to give it to me as I worked on the completion of the rehab. It was my understanding that I would get four {$10000.00} draws before XX/XX/XXXX, because that was when the payments of {$1100.00} per month would start. I received the first two draws of {$10000.00} but they started refusing to give me my money. It took a few weeks to receive {$5000.00} more. They wont give me anything now, but they take {$1100.00} per month directly from my checking account. This has caused so many problems for me. They are making it nearly impossible to complete the rehab and pay the loan back. Based on their inspectors, who conducted four inspections, at {$120.00} per inspection, I have completed 99.79 % of the items listed in the Statement of Work. They want me to rewrite the Statement of Work now. They took money from my checking account on the following dates : XX/XX/XXXX - {$1.00}, XXXX XX/XX/XXXX - {$1.00}, XXXX XX/XX/XXXX - {$1100.00}
12/20/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA XXXXX	Web
XX/XX/2017 I verbally called the servicer FCI Lender Service Inc to request solution to the delinquent mortgage and to prevent forclosure. I am the ex-spouse of the Primary borrower and as result of the divorse was awarded the home. A package was to be sent which would allow me to apply for a modificaton and it was sent & received XX/XX/2017. There we no letter that were sent out requesting additional information and it was n't until 2 weeks later when a letter was recieved stating that there was a foreclose date of XX/XX/2017. During this time we were miss-informed about a Chapt XXXX, due to that we wanted to keep our home. At this time I have remarried a few years back and are able to maintain the mortgage when the modification is completed. It has not been a full 30 days and already a sell date was entered. We need to request stop motion of the foreclosure so that the modification has time to be approved by the lender. Since FCI is the servicer, we were unable to mail the modification directly due to the representative only questing for us to send it in writing first and would not relay the information to us. It is our concern that the servicer is not working in our favor to keep and modify our mortgage and may be delaying the process on purpose. As of today we have sent the servicesor all the information needed in order to process the modification to our knowledge.
08/09/2021	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 94523	Web
This is to advise you in writing and formally that FCI 's end of term tactics of : 1. sending end of term correspondence to an address where they DO NOT bill me and have full knowledge that I do not reside and at which I do not receive mail is explicitly contradictory to the intent of truth-in-lending legislation. 2. FCI failing to respond to email correspondence from me advising FCI of the correct address for any and all such correspondence, which is in fact the same address FCI has used to send mebilling statements for every month of the term of the loan is also explicitly contradictory to the intent of truth-in-lending legislation. 3. FCI failing to respond to phone calls after leaving contact phone numbers in their phone system is also explicitly contradictory to the intent of truth-in-lending legislation. 4. Automated hang-ups from FCI phone system on callers who are attempting to leave their phone number for a call back from your firm after your system represents that caller will not lose their place in line is explicitly contradictory to the intent of truth-in-lending legislation. FCI has an affirmative duty to operate in accordance with ALL END OF TERM LEGISLATION ON ALL LOANS SERVED BY FCI. This correspondence is therefore being forwarded to the truth-in-lending regulatory board to notify them of the further dishonest operations of FCI.
07/01/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	SC 29360	Web
In XX/XX/XXXX my spouse, XXXX XXXX and I, XXXX XXXX filed bankruptcy which was paid off and released in XX/XX/XXXX. XX/XX/XXXX we were informed that the loan was sold from Homecommings to FCI. Discussion with FCI I was informed that they purchased the loan seriously delinquent. I informed them that the information was incorrect. I continued to pay FCI awaiting a discovery of documents until XX/XX/XXXX. FCI has refused to work with me insisting that the was purchased approx. XXXX. I requested documentation from the bankruptcy trustee which shows that the loan had a balance of approx. XXXX at the time of the bankruptcy being filed. It appears that all payments to the loan were placed in a suspended acct and were not paid towards the loan at the time of the release from the bankruptcy courts. I continued to pay FCI for a year longer than the loan was to exist and have no copperation from them. XXXX XXXX and I were divorced in XX/XX/XXXX. My lawyer, XXXX XXXX of XXXX, S.C. Has made several attempts to communicate with FCI with no results. I stopped paying FCI IN XX/XX/XXXX when I was out of work. According to my documents I owe no more payments and I am due the deed to my property. FCI has not taken any legal action nor is the loan been reported to any credit agency since the FCI purchase. I can not afford to retain another lawyer
02/14/2022	Yes	Mortgage FHA mortgage	Trouble during payment process	NC 281XX	Web
I am heir to the deed of my deceased mother 's home. Foreclosure proceedings begin in XX/XX/XXXX on a FHA Mortgage during the Foreclosure Moratorium period known as the Coronavirus Aid, Relief and Economic Security Act. The proceedings were ongoing throughout XXXX and XXXX. The mortgage servicer, FCI Lender Services , Inc., through its attorneys submitted misrepresentations to the court stating in its Coronavirus Compliance Certification that the loan was not a government loan ( see the Compliance Certification and Affidavit enclosed ). The affidavit asserts the affiant is a party of a servicing company called XXXX XXXX, XXXX ( no NMLS found or record they are a servicer ). The Court of Common Pleas in XXXX, SC used the Compliance Certificate and Affidavit to determine to transfer the case to the Master of Equity Court of XXXX XXXX, SC for foreclosure. The proceedings should not have begun prior to XXXX XXXX when the foreclosure moratorium ended for federally back loans. This process caused undue distress and the potential loss of my late mother 's asset during a very stressful period time of the pandemic. ( Dates are seen on the attached court documents ). Court of Common Pleas ( XXXX XXXX, South Carolina ) - Case no. XXXX Master of Equity Court XXXX XXXX XXXX, South Carolina ) - Case no. XXXX
11/07/2017	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NV 891XX	Web
FCI Lender Services , Inc constantly threatens to foreclose on my property. XXXX XXXX XXXX owns the second deed of trust on my property and has hired FCI Lender Services , Inc. I tried to do a loan modification with XXXX XXXX XXXX but was unsuccessful because they keep moving the loan to different services. I tried unsuccessfully with the past services to do a loan modification. On XX/XX/XXXX through the US Bankruptcy Court case # XXXX, I was discharged of my debts under Chapter XXXX ( including the second deed of trust ) under section 727 of title 11 US Code ( the Bankruptcy Code ). On XX/XX/XXXX, FCI Lender Services sent me a letter " to help you avoid foreclosure ''. To " avoid foreclosure proceedings '' I must pay {$42000.00} by XX/XX/XXXX. On XX/XX/XXXX, I received a priority Mail Express slip from the USPS from this debt collector. This is just two examples of the many threatening letters I receive from them. At the end of the letters it states, " if you have received a bankruptcy discharge, this letter is for informational purposes only and it is not an attempt to collect a debt ''. The letters are very threatening compared to the other debt collectors XXXX XXXX XXXX has used in the past.
11/10/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 92223	Web
FCI lender services is accessing my loan with continued illegal attorney fees and breaking California collections practices and foreclosure laws. I have attempted to resolved this matter when {$600.00} worth of illegal attorney fees were accessed on my mortgage and I was told it was because I was 60 days late. This was proven to be untrue and the fees had to be removed, only after I threaten legal action. But recently the lender has placed {$1500.00} in attorney fees and placed my loan in pre-foreclosure on XXXX XXXX, XXXX, I was only due for the month of XXXX 's payment. I received the attorney letter dated XX/XX/XXXX from XXXX, XXXX XXXX XXXX, my loan was due for XX/XX/XXXX payment, this lender hired this attorney to produce a letter for my loan which was not even 30 days late at this time. On my previous complaint case # XXXX, the representative for the lender ( XXXX XXXX XXXX, XXXX stated fees should not be access unless the loan is 60 days late and the investor was advised of the inadvertent error and the XXXX fees were removed, but they have chosen to continue doing it and have now accessed {$1500.00}. FCI lender services is still practicing in a unlawful manner for this private lender.
06/30/2021	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	MA 02124	Web	Older American
Hello, Since XXXX, I owned a commercial building and also operate a hair salon and function hall. I have a mortgage with XXXX XXXXXXXX, XXXX for {$650000.00}. The loan document required me to pay interest only monthly payments of {$6100.00} and to pay the {$650000.00} in full by XXXX, XXXX. I have been making the interest only payments of {$6100.00} and I did not pay XXXX and XXXX, XXXX payments. On XX/XX/XXXX, I received a letter from Attorney XXXX XXXX XXXX, XXXX, in behalf of XXXX XXXX XXXX XXXX, XXXX XXXX, that I was in default and that in 35 days they will foreclose on my property atXXXX XXXX XXXX XXXX, XXXX, MA. XXXX. In XX/XX/XXXX, the Governor XXXX XXXX closed all businesses due to the COVID-19. In XXXX, XXXX, the Governor reopened hair salons. And on XX/XX/XXXX, the Governor reopened Bars. As a result, I have lost 90 % of my revenue and I was not financially able to pay the Loan in full. However, I was able to make all the interest only payment up until XXXX, XXXX. I would like to keep my property and be able to operate my businesses. Is there any help for mom and pops property owners and businesses? Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. ( XXXX ) XXXX
05/20/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IN 46322	Web
I went to a company for purposes of paying off my mortgage note. This company examined the loan and the transfers of my mortgage note, and noticed that the most recent transfer was invalid, which consequently does NOT validate a foreclosure sale. The transfer was to XXXX XXXX XXXX, however to validate the assignment, Article 9, UCC requires a 3 prong criteria to be followed ; 1 ) Value must be given 2 ) The seller must have the authority to transfer rights in the note ; and 3 ) The buyer must take possession of the note pursuant to the security agreement signed by the debtor. Upon investigation when this Note was assigned on XX/XX/XXXX to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The document was signed by XXXX XXXX XXXX as manager of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX as 'Attorney in fact ' for XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. NOTE : Handwritten on the document is the statement : " POA to be recorded immediately prior to this document ''. However, no POA was ever recorded. My concern was mailed on XX/XX/XXXX and I received a response on XX/XX/XXXX from the lender, states info could not be retrieved.
05/07/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 34787	Web
FCI purchased my mortgage from XXXX in XXXX. After the company FCI took over, they added {$30000.00} to what I owed on the house. FCI awarded themselves {$30000.00} by adding it to my mortgage, this was illegal. After FCI purchased my mortgage from XXXX and added {$30000.00}, I had to file for XXXXXXXX XXXX bankruptcy to save my home. When I filed XXXX XXXX in XXXX, the escrow payment was included in bankruptcy payment. FCI decided to stop paying the escrows ( taxes and insurance ) and sold the mortgage back to XXXX. In XXXX of XXXX, XXXX stated they had to raise my Mortgage payment by {$800.00} because of escrow shortage. FCI never told my attorney, my trustee or myself they will stop paying escrow. The Trustee is suppose to know FCI stopped escrow, including my attorney and myself. The payment was with escrow when I started XXXX XXXX payments with escrow, that was the bargain between XXXXXXXX XXXX and mortgage company. If you notice, FCI and XXXX has been tossing each other my mortgage back and forth to raise the monies I owe on my home, breaking many lending practices. I would like to see the {$30000.00} of what I owe and escrow shortage to be corrected. THIS IS FRAUD!
09/28/2018	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	FL 33441	Web
I have applied for a mortgage to refinance my current balloon 1 year loan which is due XX/XX/XXXX. My new loan is ready to close and my lender is unable to obtain a payoff demand from the current Service company XXXX XXXX XXXX. My loan # is XXXX, on XX/XX/XXXX I signed a borrowers authorization to release the payoff and it was sent to FCI on 3 different dates, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX and again today XX/XX/XXXX at XXXX. When my lender called they said title tried to order, and they have my lenders request but the name on the borrowers authorization is not correct so they wont allow the request. They are having them send a 4th request and said it would take another 7 days to process. My lenders legal name is on the authorization that I signed, XXXX XXXX XXXX, I need them to release it to my lender ASAP so I do not lose my locked interest rate. I keep getting calls from XXXX hounding me to do the loan with them ( XXXX has FCI service the loan for them ). and feel this is why they are delaying and possibly putting me in a financial loss. Please help make them release the payoff demand so I can obtain a fixed rate 30 year loan.
04/09/2021	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	CA 92544	Web	Older American
On XX/XX/2020 I was working and when I returned home my home had not only been burglarized but also set on fire. I am a victim of Arson and Theft. Currently XXXX XXXX is working with me and are completing their investigation. All I am asking is for time so that I can get the money from XXXX to pay for the repairs and bring my mortgage loan current. I have asked for help from my lender. I have asked for alternative to avoid foreclosure as a homeowner in California. However my lender has refused to provide any type of alternative to foreclose. The only thing my lender, XXXX XXXX, XXXX keeps doing is informing me through their servicer that they are foreclosing on my property. I have provided the servicer, FCI, and the lender, XXXX XXXX XXXX all of my supporting documents and neither once has bothered to explore options to help me avoid foreclosure. They are moving forward with the foreclosure. Furthermore with the Covid 19 pandemic my cash flow has been up and down. Now that the state of California is re-opening I am hoping to start making money. All that I am asking XXXXXXXX XXXX XXXX and FCI is to assist me with avoiding foreclosure.
07/27/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	GA 30058	Web
My husband and I were victims of a loan modification scam in XX/XX/XXXX that caused us to become behind on our mortgage payments. When XXXX was made aware of this by the FBI and Civil Rights Authorities they agreed to give us an Uncontrollable Right Off stating that we did not have to pay any more mortgage payments as long as we stayed in our house but must get insurance on it and pay the property taxes each year.We did this and heard nothing from anyone and we have not receive a mortgage statement scene XX/XX/XXXX. Then XX/XX/XXXX we receive a foreclose notice from FCI Lender Services. We stopped the foreclosure by filling Chapter XXXX that was dismissed due to my husband being laid from his job. FCI Lender Services have been does not communicate with us and has again sent us a foreclosure notice postmarked on XXXX/XXXX/XXXX for XXXX/XXXX/XXXX. we believe that we are being scam again. We talked to Legal Aid and was told to hired a restate layer but we can not afford one. Our house is currently under a short sale contract and FCI Lenders have still filled for foreclosure again. They did not even give us a thirty day notice.
04/16/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92692	Web
FCI Lender Servicing in violation of CA HBOR and RESPA X. On XX/XX/18 spoke with the CEO of FCI Lender Servicing who states he would not let me modify or short sale and just wanted to kick me out of his house so he could sell it himself at auction. FCI is operating as a foreclosure mill which are illegal in CA. Furthermore CA HBOR requires lenders and services such as FCI to help homeowners avoid foreclosure which FCI refuses to do. A deed in lieu is still a foreclosure. FCI by law must allow the ability to short sale my home. The end result is the same there should be no reason to not other than FCI is looking to charge it's investors unnecessary foreclosure fees. The operations of FCI needs to be investigated by the CFPB and other regulatory agencies to see how many other homeowners rights are being violated. RESPA requires FCI to allow me to avoid foreclosure and provide an answer in 30 days. XXXX XXXX whom FCI as acquired the loan from has advised me that my request to avoid foreclosure has been delayed by FCI because they have no desire in helping me, they just want to act as foreclosure mill and foreclose on me.
03/03/2020	Yes	Mortgage Other type of mortgage	Trouble during payment process	FL 334XX	Web	Servicemember
My title company received a mortgage payoff that was dated XX/XX/2020 and they were told that we were closing on XX/XX/2020 but that made the payoff good through XX/XX/2020. On XX/XX/2020 and the revised payoff was requested after noticing that the one provided was less than 30 days and it was showing XXXX Payment not made. An email was sent to the payoff department, and we followed up on XX/XX/2020 and on XX/XX/2020 and on XX/XX/2020. We close per contract, so not to default on the Sellers side of the transaction, we have been told by the servicer that they don't care when we are closing, they are 10 days behind on payoff and we just have to wait. I called again on Monday XX/XX/2020 and I asked we could just wire the payoff that showed XXXX not paid and they could refund the overages because we did not want the servicer to keep charging the XXXX per diem. I was told it did matter, I should have ordered my payoff 20 days prior to closing. I need your help, I am paying additional interest, due to the servicer lacking manpower to process an interest-only payoff. My funds are in escrow since Friday XXXX, 2020.
09/07/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MD 208XX	Web	Older American
FCI LENDER SERVICES INC ( " FCI '' ) Claims they are the Servicer for XXXX, XXXX. The loan was not assigned to XXXX XXXX. Attached is a copy of the letter from FCI stating that they are the Servicer for XXXX, XXXX. If the loan is not assigned to XXXX XXXX. Then the question of enforcement does not arise. Currently XXXX XXXX is not licensed as a Lender. Pursuant to MD. Financial Institution Section 11-219 ( a ) Sale prohibited. -- A licensee may not sell a loan account to any person who is not licensed under this subtitle. ( b ) Account unenforceable if acquired by unlicensed person. -- A loan account that is acquired by a person who is not licensed under this subtitle is not enforceable. NOR. as Collection Agency in the State of Maryland. Md. BUSINESS REGULATION Code Ann. 7-301 ( a ) In general. -- Except as otherwise provided in this title, a person must have a license whenever the person does business as a collection agency in the State. FCI can not priovide Services to an entity who lacks the required licenses. FCI is involved in unjust enrichment, willful malicious prosecution of a Homeowner.
03/08/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	DE 19713	Web
I had a line of credit with XXXX for nine years for XXXX. I paid on time regularly for 9 years but instead of the loan amount going down, it went up yet I paid. Then they raised the rate to 9 percent which meant the monthly payments went up by more than XXXX dollars. I also had to pay for my regular mortgage.I begged XXXX to give me a loan mod but after many paperwork and months of correspondence, they sold the loan to a different company and now it is this horrible company called FCI which holds my loan. The original loan was for XXXX. I paid more than XXXX and now I still owe XXXX!!! which is unbelievable. I asked to pay a lump sum but they did not accept any offer. I still owe XXXX on my first mortgage which I have been paying without delay. This is my only asset in life and I don't want to lose it. I have contacted them but they are just dragging their feet. I do not owe them XXXX. Pure and simple. They are just thieves. They have also raised the interest to 10 percent!!! They send me their bills not once a month but three times at a time.
11/07/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	CA 91765	Web
FCI is the servicer XXXX in the investor owner, was in a BK-XXXX my attorney XXXX it up, ( will complain to the state bar ) have asked FCI of payment history and ORIGINAL LOAN FILE PER RESPA am entitled to look at will go to FCI XXXX at FCI says call XXXX XXXX is the investor have been talking to, he says call XXXX at FCI?!?!?!? both pass the buck, finally my cousin received the payments history and BK PAYMENTS WERE NOT POSTED CORRECTLY PER FEDERAL BK LAW enclosed is history!!!!! Since XXXX and XXXX and XXXX at FCI dont want to comply submitting this first before paperwork being filed! WANT TO SEE ORGINAL LOAN FILE PER RESPA, have denied my modification, am dealing with a XXXX father, so my cousin is helping, but BK XXXX PAYMENTS WERE NOT POSTED CORRECTLY, and have asked why so many fees have paid other companys that had loan XXXX and were to drop balance but was sold! neither company can do right thing! WANT TO SEE ORIGINAL LOAN FILE! ( am in process of bringing current or will file PR-SE ON MY OWN!
03/16/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 07621	Web
I submitted a loan modification with my 2nd mortgage FCI. My first mortgage balance is XXXX and it is current. I also have equity in my home. On XX/XX/XXXX and XXXX I sent in all missing documents that were requested ( same day ). On XX/XX/XXXX I was advised there are no missing documents and FCI sent the file to the investor ( XXXX ) for approval. On XX/XX/XXXX the loan modification was denied due to having incomplete documents and they stated no appeal is allowed because the sale date is too close. FCI stated the bank statements sent in was missing pages. This is not true and the pdf file come directly from my bank website and each page is numbered. I earn more than enough income to be approved for a loan modification. The investor knows there is equity and they are trying to push a sheriff sale because they do not want this loan on their books any longer. I do not want to be forced to sell my home or file a bankruptcy due to this investor. Proof attached to show the modification was in process.
12/29/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 85031	Web
I had forced placed insurance that has been cancelled as of XX/XX/20. I have been trying to have my regular insurance escrowed. Per representative XXXX ( assigned contact ) I should be calling the lender XXXX XXXX. Per XXXX I should be calling FCI lending. Per XXXX ( very rude person ) they do not know how to handle this and all should be handled by XXXX. Unable to reach additional members at FCI do to my call defaulting to XXXX as he is my assigned person. I have a payment on XX/XX/20 for forced place insurance and no one has been able to advise where this payment is. I am also making monthly payments to insurance and don't know how this is applied. I also tried going online to see my payment history, I had to change my password and an email had to be sent with a link. It has been 5 days and still no link. I call and XXXX just said to wait for the link, did not even attempted to help. This is by far the worst servicing company. All I need is my insurance to be escrowed.
07/27/2023	Yes	Mortgage Other type of mortgage	Trouble during payment process	NY 11375	Web
We have a construction and mortgage loan with a private lender through XXXX XXXX XXXX. The loan matured in XXXXXXXX XXXX. In XXXX, the lender and XXXX were notified of a contract for sale of the project. They were forwarded the contract and the potential diligence period to complete the sale. We requested a Payoff and were forward the values due. The payoff included for any interest due and the principle on both the mortgage and construction loan. When the buyer completed its diligence on the property, we learned the lender had transferred the loan service over to FCI Lender Services during the same period. As we prepare for closing, FCI sent us a payoff that included for almost XXXX in default charges and fees. While we fought the charges, FCI has been non-responsive and denied their removal. This has jeopardized the entire sale. Unless we relent and pay them the XXXX immediately. This effects, not only the participants, but the tenants within the building.
11/29/2017	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	CA 94025	Web
On XXXX XXXX, 2017 XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX took over a mortgage loan or line of credit I owe to XXXX XXXX XXXX in which I was making monthly payments of {$500.00} towards the loan and 100 % of that payment was being applied to the principal debt which was {$120000.00} with no penalties or interest added. Now XXXX XXXX XXXX XXXX XXXX, is asking to pay them {$230000.00} and they are claiming interest, late charges finance charges. I believe that the amount they are claiming is not accurate every time I try to reach them they do n't want to give me the opportunity to work with all they want to do is to do a foreclosure on the property so they can get their money in full. I 'm willing to work with them in regards to this matter. I truly believe that they are overcharging and the amount owe is only {$120000.00} which is what they pay XXXX XXXX XXXX. I hope I can get some because I 'm very desperate and afraid I will loose my home.
04/10/2020	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	NV 891XX	Web	Older American
I AM A SENIOR CITIZEN IN XXXX XXXX, NV, WHO IS XXXX AND SEMI RETIRED. FCI LENDER SERVICES TOLD ME ON XX/XX/XXXX THEY WOULD NOT ALLOW ANY OF MY PAYMENTS TO BE DEFERRED IN ACCORDANCE WITH THE " CARES ACT ''. A REPRESENTATIVE FROM FCI CALLED ME ON XX/XX/XXXX IN REGARDS TO MY INQUIRY ABOUT DEFERRING MY PAYMENTS FOR AT LEAST 90 DAYS DUE TO COVID 19, AND THE FACT XXXX XXXX IS SHUT DOWN. I WAS TOLD THEY HAVE NO PLANS TO COOPERATE WITH COVID 19 CONSUMERS AND THAT I MUST MAKE MY PAYMENTS OR SUFFER A POSSIBLE FORECLOSURE IF I DO NOT CONTINUE TO MAKE PAYMENTS. MY PAYMENTS HAVE BEEN PAID UP TO XX/XX/2020 WHEN THE NEXT ONE IS DUE. I AM NOT BEHIND IN PAYMENTS AS OF THIS WRITING, BUT WILL BE AS OF XX/XX/XXXX. MY PAYMENT IS {$640.00} PER MONTH. I NEED AT LEAST A 90 PAYMENT FORBEARANCE BUT CAN NOT AFFORD TO PAY THEM A LUMP SUM AFTER 90 DAYS BUT WOULD ASK THEM TO ADD THE PAYMENTS TO THE END OF THE NOTE. THEY HAVE REFUSED TO EVEN GRANT A FORBEARANCE OF ANY TYPE.
04/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11433	Web
I bought a home back in XXXX I dealt with mortgage forward with XXXX XXXX bank I thought. I was giving a 100 % modification due to the program that President Obama at XXXX XXXX XXXX XXXX I didnt know that my 80 % and 20 % mortgage which was two parts were not included in the modification only the 80 %. I was contacted on the 20 % and XXXX from XXXX XXXX XXXX I told them to show me proof .of the note they disappeared! I had another company contact me in XX/XX/XXXX FCI lending they said they owned my second mortgage and they was going to take my home .. I told them I was going to file criminal charges. They disappeared. My dad and my little cousin like a brother to me passed in. XXXX. I was trying to get a loan for XXXX XXXX and it was denied the entire problem started then now we are dealing with Coronavirus 19 .. I loss wages before this .. I have a small child. And now theyre trying to take my home and my income was just getting better.
04/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11433	Web
I bought a home back in XXXX I dealt with mortgage forward with XXXX XXXX XXXX I thought. I was giving a 100 % modification due to the program that President Obama at XXXX XXXX XXXX XXXX I didnt know that my 80 % and 20 % mortgage which was XXXX parts were not included in the modification only the 80 %. I was contacted on the 20 % and XXXX from XXXX XXXX XXXX I told them to show me proof .of the note they disappeared! I had another company contact me in XX/XX/XXXX FCI lending they said they owned my second mortgage and they was going to take my home .. I told them I was going to file criminal charges. They disappeared. My dad and my little cousin like a brother to me passed in. XXXX. I was trying to get a loan for XXXX XXXX and it was denied the entire problem started then now we are dealing with Coronavirus 19 .. I loss wages before this .. I have a small child. And now theyre trying to take my home and my income was just getting better.
07/29/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AZ 85745	Web
I purchased a house in 2005 for {$140000.00}. XXXX XXXX owned XXXX mortgages, XXXX for {$110000.00} and the other for {$29000.00}. A couple years later I applied for loan modification. I was told by XXXX XXXX representatives to discontinue making payments while they reviewed the application for remodifying the loan. The loan modification was approved and I began making payments under the modification. Several years later I received a call from XXXXfci saying I was behind in mortgage payments. They explained that unbeknownst to me XXXX XXXX sold them the XXXX mortgage. I questioned why they took years to contact me. No calls were made, no bills were sent and no notice was given me that the loan was serviced by another company. During that time late fees and interest had accrued. I do n't know the legalities but if I feel this is an unfair practice ands has implications on my credit which I am steadfastly trying to repair.
03/14/2019	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA XXXXX	Web
We had a Mortgage company we had never heard of FCI and told us they were foreclosing on our house of 14 years we called and found out they had bought our second from a Company we believe had closed down in the Mortgage crisis 10 years ago. They told us they would remodify with a down payment. I told them I would be able to give them XXXX dollars at that time the said they would remodify loan down 1 percent to XXXX. My father got sick and I could only come up with XXXX so they told me they wouldn't bring interest rate down. I paid the XXXX and right after made a XXXX dollar payment. They also told me that if I didn't make payments through their Automatic payment site it would cost me XXXX. I feel this is a predatory lending Co that needs to be held accountable and the government needs to know what is going on. I had to sell my home because they wouldn't help with a better remodifocation.
10/12/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33029	Web	Older American
On XX/XX/2018 a company called XXXX XXXX XXXX XXXX XXXX, as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Upon researching about said trust on the SEC site I came across a Cease and decease order against the Trust. I hired an attorney and I am defending myself. However last week I was notified by the servicer that there is a new owner of my loan. So while I am being foreclosed by one company my loan supposedly is owned by another company XXXX XXXX. On my phone conversation with the person in charge of said company, XXXX XXXX XXXX, I was threatened with the following : I am going to come after you, your lawyer is a liar, etc. But most importantly, this company is refusing to pay the remaining insurance claim that the insurance company remitted to them already and the roof of my home is being repaired. Servicers cant withhold insurance claims proceedings. Please I need your help. It is urgent.
07/27/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	TX 78221	Web
I apparently have a loan with FCI Lenders Services , Inc or with one whom they are servicing. However this company FCI Lenders Services , Inc has failed to send me statements, or provide any info such as a website on how I can obtain any info on the loan that I have been paying to them for quite some time since 2012. I have recently pulled my credit and nothing was found on my credit for FCI or of this loan at all. I have reached out to this company whom they advised me i have to reach out my request in email which I have and yet they still have failed to assist stating I now have to fax over all my personal information just for them to provide me what I feel should be given to me as the consumer. My concern is I am paying faithfully to a loan that has not been showing by credibility on my credit and they can yet provide me info on what the payoff is or breakdown of my payments.
09/01/2022	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 94110	Web
I have a private loan to finance a renovation on an investment property -- FCI is the servicer for this loan. On XX/XX/22, as part of a transaction for a 1031 exchange, I sent in a wire transfer of {$31000.00} to FCI, with instructions to apply this towards the principal of the loan. Instead, they applied this as a series of interest-only prepayments. I have called in numerous times to request that this be corrected, and that the payment be correctly applied towards the principal. Each time, I have been put off and told that the payment servicing department will handle this, but as of XX/XX/22, this is still not corrected. Now that it is the first of a new month, I am concerned that the automatic ACH debits set up to pay for this loan are going to be adversely affected, causing me further inconvenience and potentially increasing the amount I end up paying on this loan.
12/21/2022	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	IL 60637	Web
I am seeking to ask the owners of XXXX XXXX or Private Lender Company some questions regarding why they opted to not participate in the IHDA program whom was going to pay my arrears on the mortgage I am behind. Also to ask them if they are willing to take a certain amount from an insurance policy settlement from me and allow me to become current on my mortgage so that I can finish my renovations and receive the XXXX XXXX in escrow, Im sorry construction escrow. I didnt find out until closing this was a Construction refinance loan. An attorney I spoke with briefly mentioned some of the things I have described sound similar to bad practice violations. I am aware the lender is not obligated to participate. However the debt would have been paid. So it appears the foreclosure is being forced in a sense. I could be wrong though. Thats where Id like the expertise of CFPB
04/04/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Application, originator, mortgage broker	AZ 852XX	Web	Older American
I contacted FCI Lender Services on XXXX XXXX by phone and spoke with a XXXX XXXX at Extension XXXX who informed me that I FCI Lender Services provides the negotiations for Loan Modifications and that I needed to put together the package of information and send it to them via fax or mail. I submitted my loan modification application and completed their questionnaire on XXXX XXXX, 2016 via fax and also by USPS with receipt requested delivered on XXXX XXXX, 2016 and signed by a XXXX XXXX. Today is XXXX XXXX, 2016 and I have not received any response to those my Loan Modification request or acknowledgement of such. Additionally, I called again on XXXX XXXX, 2016 and left another message with the general information Voice Mail for FCI Lender Services Inc which has also gone unanswered. I am filing this complaint as I have not received any response to my application.
05/29/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 94536	Web
Due to the COVID-19 pandemic, I and my spouse lost income and revenue to pay for our mortgage and other debt payments. I notified the current first mortgage lienholder and was working with a person named XXXX. He requested I write a Letter requesting assistance, which I did. Then another person named XXXX requested we resubmit the letter along with a Personal Financial Statement and copies of our tax returns. We complied. XXXX informed us that he would help us with a Loan Modification request, but once XXXX entered the picture, we were informed XXXX was no longer with the company. XXXX also led us to believe he would help and work on a Loan Modification, but instead he issued a Notice of Default. We feel he has violated and breached the covenant of negotiations in good faith. We are requesting assistance via a Loan Modification of our current loan.
10/20/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	TX 76063	Web
I bought my home in XX/XX/XXXX. My loan was originally owned by XXXX XXXX, I believe. Then XXXX XXXX XXXX XXXX took over the servicing part, I think. Unfortunately, I went through a divorce and the loan/note is in default. XX/XX/XXXX, it was sold to XXXX, in which they sold to XXXX, then back to XXXX all within a few months times ; and now they 've sold it again to FCI Lender Services. I am so confused because I ca n't find any assignments or transfers in deed records XXXX. I want this info so that I can reach out to apply for a loan mod. I am a XXXX and am very familiar with mortgages, default reconciliation, deed records, but I am not an attorney. I know that these companies must file notice, but I 'm unable to find anything on these companies, other than the correspondence they 've sent me. I 'm afraid to call because I do n't want to be scammed.
02/28/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	SC 296XX	Web	Older American, Servicemember
In XX/XX/XXXX, I contacted the CFPB about a problem I was having with my mortgage servicing company, FCI Financial Services , Inc., XXXX, Ca.My loan had been modified, but, the loan statement never was updated.In XX/XX/XXXX, the CFPB got a letter from FCI stating that the loan had been reworked and I was to continue paying new balance of {>= $1,000,000} to be paid in full by XX/XX/XXXX.In XXXX of XXXX, I was going to pay my monthly payment on FCI website.When I navigated to their website, I was astonished to find that the loan had never been changed.I have a copy of the letter from FCI stating the loan amount is $ XXXX.I tried to discuss with FCI, but, I never got anywhere with their collection department.I had a XXXX XXXX in XXXX of XXXX.I was ready to pay off loan, but, had to change directions.Now, I have the money topay off the {$18000.00}.
12/06/2017	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	MI 480XX	Web	Older American, Servicemember
On XXXX XXXX, XXXX to this Day XXXX XXXX, XXXX, I received calls and was threaten by the XXXX XXXX Department from FCI Lender Services , Inc., XXXX. XXXX XXXX, XXXX XXXX, CA, XXXX, ( XXXX ) that I will be foreclosed and arrested from my home if I do n't pay the remaining balance on my Mortgage. My Home Mortgage was sold to this company by XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX, ( XXXX ) As a XXXX XXXX Veteran, I 've lived in my Home for 26 years, I simply want to pay my Mortgage off with the Modification I had before it was sold to this company. Currently, The FCI Lenders , Inc., has over charged the value of my Home -Mortgage. My Home has been appraised at {$140000.00} for my area- yet, FCI is demanding I pay {$260000.00} Cents for my home -- this is fraudulent and wrong.
05/06/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 76262	Web
Hired XXXX law firm to assist with a loan modification with FCI Lender services , Inc XXXX XXXX XX/XX/XXXX XXXX advised me was approved for a loan modification and 1st payment due XX/XX/XXXX. Payment was made as indicated and on XX/XX/XXXX FCI lender services filed for foreclosure on my home. Prior to XX/XX/XXXX, it was XXXX XXXX XXXX I originally began modification with and they requested I send {$7500.00} to began the loan modification process which I did and this was back in XX/XX/XXXX. So from XXXX to XX/XX/XXXX had been trying to get a loan modification from XXXX XXXX XXXX to no avail. I hired a law firm XXXX XXXX XXXX XXXX XXXX law firm to assist and equally paid them fees. All monies spent and paid to both lender services and still getting foreclosed on. I need assistance please and urgently. Thank you
03/31/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 32068	Web
I XXXX XXXX XXXX certified that my Company downsized in 2012 and my hours were cut from XXXX hours to XXXX per week, and my Spouse XXXX XXXX was forced into retirement following and injury. Our Income was reduced and we filed bankruptcy, however, the medical costs and other obligations have depleted our savings. We have been made to feel like a ping-pong reaching out to so many Lenders, from XXXX to XXXX, to XXXX XXXX XXXX , to XXXX . Each time we thought we had a Loan Modification moving forward, a new Servicer pops up. Currently we are being service by FCI : Lender Service, and they are reluctant to review for a Loan Modification. COMES NOW, XXXX XXXX XXXX XXXX and file a Lis Pendens, with scheduled hearings, and the questions remains, just whom am I dealing with for answers?
03/01/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AL 35758	Web	Older American
The companies are XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Trust, XXXX, XXXX XXXX, XXXX, FCI Lender Services, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX. From XX/XX/XXXX to XX/XX/XXXX ( 3 assignments ) there have been numerous assignments of my mortgage which I believe are fraudulent. There were 8 assignments in just the last 9 months. I have paid interest on a XXXX dollar loan since XXXX at 8 % and have never received a IRS form XXXX which I believe would have helped me when I filed my taxes each year. Also I made two lump sum payments totaling approximately {$630000.00} in XXXX. I never received an accounting of my balance until last month and FCI Lender Services and XXXX XXXX XXXX state I still owe over {$400000.00}.
01/28/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	FL 33174	Web
Today I went to court for a Forclosure that they trying to do to a property I dont own any more court case # XXXX the debt was canceled by XXXX XXXX XXXX seems XXXX which I even reported to my taxes in the same year, the judge XXXX XXXX close this case with prejudice seems XXXX and I transfer this property same year and now this company is trying to Forclosure company name XXXX XXXX XXXX locate in XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX phone # ( XXXX ) XXXX Ext XXXX I spoke today with Mr. XXXX XXXX dispute the debt and he send a lot of paper I dont recognize after contact also company name FCI Lender Services , Inc XXXX XXXX XXXX, XXXX XXXX, CA, XXXX phone # XXXX and I spoke few weeks ago with Mr. XXXX XXXX please help me with this injustice matter sincerely XXXX.
08/07/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 91762	Web
FCI Lender Services posted a new late charge which by 10 % higher than Regular interest charge at original 9.99 %. Therefore they charged me at total of 19.99 % as a excessive interest which unreasonable. I would dispute on this charge. on XX/XX/2021 Previously on XX/XX/XXXX. another 19.99 % late charge applied to my statement which was not reasonable and unfair charge I would dispute this amount this charge. FCI Lender Service Contact Info : FCI Lender Services , Inc. dba FCI XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Toll Free Main Line : ( XXXX ) XXXX, Phone : ( XXXX ) XXXX Loan Servicing Fax : ( XXXX ) XXXX, Specialty Servicing Fax : ( XXXX ) XXXX Business Hours : XXXX XXXX to XXXX XXXX PT, Monday through Friday XXXX XXXX Licensing System # XXXX \| CA DRE # XXXX
09/05/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 92881	Web
FCI LENDER SERVICES, INC. CONTINUES TO PRESURE ME BEYOND THE STATUTES OF LIMITATION OVER 7 YEARS TO COLLECT ON A DEBT THAT IS NOT THEIRS AND THEY CLAIM I OWE THEM SOMETHING WHERE WE DO NOT HAVE A CONTRACT. ONE IT IS UNDERSTOOD THAT A BANKRUPTCY [ certificate of discharge notice in my possession incorporated by reference XXXX : XXXX ] WAS CLEARED IN XX/XX/XXXX THE MATTER AT ISSUE WAS AROUND XX/XX/XXXX AND IT IS NOW XX/XX/XXXX ...? 4 YEARS HAS BEEN CAME AND GONE AND THEY ARE STATING THEY ARE MY LENDER OUT OF THE BLUE. WHICH IS MISREPRESENTATION, FALSE CLAIM AND I AM BEING THREATENED AND SLANDERED. THE CONTINUED WRONG DOINGS, BAD BEHAVIOR AND VIOLATIONS OF NOT ONLY STATUTES, THE LAW AND CONTINUED VIOLATIONS OF FDPCA, NEEDS TO BE ADDRESS TO THESE CRIMINALS..
12/07/2019	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NY 11743	Web
XXXX XXXX foreclosed on my property, they were granted foreclosure due to my attorney XXXX XXXX. in XXXX NY neglected to perfect a response for 10 months. I entered into a modification agreement with XXXX XXXX whom XXXX transferred the foreclosure summary to. I honored the agreement and have made 7 payments on time. there was {$2.00} shortfall on one payment due to bank error on a check for {$2500.00}. FCI lender services over charged my account {$160.00} for that. Also, if FCI Lender services had the proper licensing from servicing my mortgage from 2015. I have yet to receive a executed Modification agreement or removal of lis pends on my home.. Further a QWR was requested over 30 days ago, I have yet to receive proper information
10/14/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 20853	Web
XXXX I purchased my home at a price of {$460000.00}, with XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX I was explained that I would pay a total {$3500.00} roughly. However this bank refinanced my house with XXXX XXXX XXXX XXXX XXXX At the time they stated you do not need to pay a small loan which I assumed was part of my original loan. I continued to pay my mortgage to XXXX. After XXXX I recieved in the mail a letter stating that I was to pay {$200000.00} in a lump sum, from FCI Lender Services. I was summons to court and with no positive solution I was told that my house would be going into Foreclosure. I ask that we sit down and work something out. As I invested lots of money into my home, and my family can not be out in the streets.
11/19/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	IL 60018	Web	Older American
In XXXX I XXXX XXXX, had the same problem with XXXX XXXX where I owed them money for some account. I then sent them a " validation letter '' asking them the validity of the account. The Bank XXXX XXXX responded partially and never prooved that I owned that account. Now, in XXXX I have this new lender or servicer named, FCI Lender Services , Inc . I have sent FCI Lender Services XXXX Inc a " validation letter '' and they responded with fraudulent documents. They have failed to prove the debt with an " Assignment of Mortgage '' or " Assignment of Debt '', and continue to send partial answers. This matter has caused unrepairable effects to my credit and has cost me thousands of dollars and denial to any credit.
07/10/2017	Yes	Mortgage Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage	FL 33134	Web
I have reached out to the company, my lawyer has reached out to the company and my first mortgage lender ( XXXX ) has reached out to the company but FCI Lender Services Inc. XXXX # XXXX has not responded. Their website does n't work and i have contact customer service several times. I am trying to get into a harp program on my first mortgage and they have failed to subordinate the second and are basically blocking me from refinancing my first mortgage. The house is XXXX XXXX and the loans are about $ 100k more than the value of the home. I am willing to continue paying and would like to do the right thing but if this is n't resolved before XX/XX/XXXX, I will have no choice but default on my first mortgage.
04/16/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 614XX	Web
OK I have paid my house payment on XX/XX/2020 to fci lender services and with in a couple of weeks they sent it back. I pay Fci but partners for payment relief has my loan. In XXXX Fri sent the money back when I received it back I called them to see what was going on and they told me that as of XX/XX/XXXX they don't have me no more and couldn't tell who I pay my money to so I called partners they told me they will look in to it I have called every week and they tell me the same thing that they have hired a attorney to get a opinion on what to do so I called today she told me that she is waiting to hear back from him.. And so I'm getting behind on my payments and don't know what to do.
03/08/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	NJ 08012	Web
We have been attempting to submit a loan modification package to our servicer - FCI. They are saying that the investor - XXXX XXXX XXXX - won't work with us for a modification. FCI gave us contact info for XXXX XXXX XXXX and it goes to someones personal cell phone who has no idea who I am trying to reach. When attempting to search for XXXX XXXX XXXX online, there is no records of this company. We have also tried to reach out to their attorneys, XXXX XXXX. We do not understand why not a single attempt is being made to review our modification package. We are qualified for a loan modification. We would like to be reviewed for a loan modification to help save our home.
04/18/2023	Yes	Mortgage Other type of mortgage	Trouble during payment process	MN 55901	Web
I had 2 loans with XXXX XXXX XXXX. I believe they were using FCI Lender Services as their servicing agency so I was making interest payments to FCI. I mailed checks for my XX/XX/2023 interest payments on the XXXX ( deadline was XXXX of every month ). FCI intentionally processed my checks after the deadline. One of the checks was kept in Reserves until the XXXX of the month and not applied to my balance. All of this cost me over {$3000.00} in default interest charges. I tried to resolve this with both agencies but encountered very rude people. Each agency was pointing fingers at the other and was never directed to someone who could truly help me.
11/13/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MD 20735	Web
The Company FCI Lender Services Inc. From XX/XX/XXXX has been predatory lending on this Loan that was transferred to there company at he time to begin servicing the loan when in fact the property is PAID IN FULL upon XXXX XXXX XXXX XXXX on XX/XX/XXXX from A Life Insurance Policy information submitted by XXXX XXXX XXXX on two separate dates XX/XX/XXXX and XX/XX/XXXX and by XXXX Mortgage XXXX and FCI Lender Services Inc . Both Companies negligence is a result of an outstanding and ongoing XXXX Mortgage in the amount of {$420000.00} with court cost and added fees. Ive reached out to both companies and neither will accept or return my calls or emails.
12/26/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process Trying to communicate with the company to fix an issue while managing or servicing your loan	FL XXXXX	Web
FCI Lender Services and XXXX XXXX violated Federal Fair Debt Collection Act by falsifying mortgage statements and continued to attempt to collect on a debt that was not substantiated after a consumer disputed the validity of the debt. As a strategy to evade culpability, after 16 years they sold the mortgage to a Trust, XXXX XXXX XXXX XXXX XXXX XXXX, AS OWNER TRUSTEE OF THE XXXX XXXX XXXX XXXX XXXX XXXX operating as a hedge fund, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, masquerading as a mortgage servicer, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX & FCI Lender Services , Inc just to name a few.
08/22/2020	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	IN 463XX	Web
XXXX XXXX XXXX was my alleged servicer to receive payments on my mortgage. I was in foreclosure and Bankruptcy when XXXX became my servicer and was assigned to XXXX XXXX as my Bankruptcy Account Manager. I asked XXXX on a recorded line who owned my Note and he replied we " don`t know ''. XXXX XXXX XXXX filed a false Assignment of Mortgage in the land records and charged my mortgage account monthly payments late fees, inspection fees and paid attorney fees all to collect payments through fraud for a party they can`t identify. How can a mortgage servicer charge any fees for a party they cant identify
05/04/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 10304	Web	Servicemember
loan index # XXXX XXXX XXXX XXXX XXXX , XXXX AS OWNER TRUSTEE OF THE RESIDENTIAL CREDIT THAT DONT OWN THIS LOAN SERVICERNAME : FCI LENDER SERVICES INC XXXX XXXX XXXX XXXX CA XXXX FAX XXXX ACTING AS SERVICER FOR LOAN THAT IS FRAUD. LOAN HAS BEN TRANSFERED FROM UNDER A FHA / HUD WITH XXXX AND WAS DISMISS UNDER A OLD CASE BY XXXX XXXX ON XX/XX/2013 BECAUSE XXXX COULD NOT PROVE OWNERSHIP. I WANT TO KEEP MY HOME, I HAVE TWO ELDERLY PEOPLE WITH XXXX AND PLUS ME LIVING ON A XXXX XXXX THAT SHOULNT BE UPROOTED DURIN THIS PANDEMIC OR LIFE SPAN THAT ARE AGE XXXX AND XXXX. I WORK FULLTIME FOR XXXX XXXX.
08/29/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	MA 01906	Web
House is scheduled for foreclosure XXXX XXXX, 2016, the foreclosing lender is not in the chain of title for this alleged loan and in fact it appears that the alleged loan and mortgage or invalid. Attempts have been made to resolve the problems with this current " stranger Lender '' but they simply refuse to cooperate. They have never attempted to resolve the debt, make attempts to restructure or otherwise work with the homeowner. Additionally this is an 80/20 loan and the homeowner never received the 90 day letter or any other statutorily required opportunities to resolve this alleged debt.
02/15/2016	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	FL 32218	Web	Older American
I got a heloc loan with XXXX XXXX XXXX XXXX 2006 .. the loan was transfered to XXXX XXXX XXXX ..XXXX XXXX had pmi insurance on the heloc ..the loan went into default and was transfered to XXXX XXXX XXXX XXXX, XXXX . there I spoke to a representative there who told me that the loan was paid in full by XXXX XXXX XXXX. now a company call FCI lender Services inc XXXX XXXX XXXX XXXX Ca XXXX is threatening to foreclose on my property. my concern is if the loan was paid in full by XXXX XXXX XXXX with pmi insurance how can this debt be collected on again.. and can they foreclose on my property..?
07/30/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 302XX	Web
I was facing foreclosure in XXXX and the XXXX XXXX through XXXX XXXX began the process. However, it was stopped and I began making payments of XXXX with the understanding that I would be placed in a program to bring my loan current ( 6 months trial ). In XX/XX/XXXX, my loan was sold to XXXX XXXX XXXX XXXX XXXX XXXX and because I was late with one payment, they began the foreclosure process. Even as I continued to make payments, XXXX XXXX sent them back to me and informed me that they were no longer accepting my payments. I've enclosed information that I received from XXXX XXXX.
02/27/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92127	Web
Lender and servicer are in violations of the CA HBOR. They acknowledged that they received a complete modification package from us. After a day, they decided to deny us for the loan modification. They never fully reviewed the loan mod package and never suggested and discussed with us the alternative options to prevent foreclosure. They made clear their decision to deny us for the loan mod is final and subject to no further appeal. They never stopped the foreclosure sale date while we are seeking for the approval of the loan modification option. Thank you.
05/06/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	OH 45420	Web
I have been working really hard to save my home since my XXXX. Unfortunately I was going through a legal battle with my ex that she did not want to sign the quit claim deed. My investor was ready to give me a plan to save my home but I was helpless. I finally sent the quit claim deed to them and now they are saying that its too late. I don't have a foreclosure sale date and I just want to save my home. I have worked really hard to get where I am now and I would hate to lose my home because of one document that I had no control over.
12/01/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	MD 20744	Web
I purchased my FHA home loan in XXXX. I lost my federal government job in XXXX. XXXX XXXX XXXX sold the loan in XXXX ; to XXXX XXXX ; due to delinquent payments. XXXX, XXXX sold the loan to an XXXX ; due to delinquent payments. The alonge note is not the original ; as I purchased the loan in XXXX. The Lender has converted my FHA loan to a conventional loan. The lender is expeditiously trying to sell the property without honoring a loan modification ; as required by law. I was never notified that I no longer had a FHA loan
04/15/2021	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	MA 02186	Web	Servicemember
On XX/XX/XXXX FCI Lender Services , Inc initiated foreclosure actions on my property. They allege that I owe {$180000.00} for a loan that I allegedly took out from a now defunct bank i.e. XXXX XXXX XXXX in XXXX. From their payment statement the loan is 3945 days delinquent. I have repeatedly ask FCI Lender Services to validate this debt but to no avail. I received the foreclosure documents from their attorney XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX, XXXX CT XXXX with a foreclosure sale date of XX/XX/XXXX.
11/21/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	TX 75035	Web
Buyers Beware!!! I closed a Loan in full with the XXXX XXXX several months ago. When the loan was originated an escrow account of 12 months prepaid taxes was set up, plus XXXX collected taxes every month plus fees. It has been almost 3 months from settling this account and XXXX XXXX has still not returned the original Escrow Account Money. Numerous attempts to settle this matter directly with XXXX XXXX have not succeeded. I think they are hoping that I just give up and they keep over {$12000.00}.
09/18/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	MO 641XX	Web
My home mortgage was originally with XXXX, Then it was sold to FCI, which I have attached documentation. FCI illegally increased my from {$24000.00} to XXXX. Secondly. FCI needs to disclose the amount my mortgage was bought for because since my address did not change, XXXX sold this note, I am only legally obligated for the amount this mortgage was sold for. I also believe these payments with FCI to be illegal and the CFPB should investigate this company.
10/15/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 92606	Web
XXXXXX/XX/XXXX is a collection agency for the XXXX XXXX and is trying to collect a debt that has been discharged through bankruptcy more than 9 years ago. In addition to the discharge on Chapter XXXX, the house was foreclosed on XX/XX/2018 completely clearing me of any debt that's owed. I continue receiving debt collection letters and threatening statements that they'll report to the three major credit agencies if I don't make new arrangements.
02/11/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 28715	Web
Hi. My loan recently was bought and transferred XX/XX/XXXX. Before the loan was transferred to the new servicer, the previous servicer approved us for a loan modification. ( HAMP I believe ). I received a letter that we had been approved, dated XX/XX/XXXX, and our loan was transferred on XX/XX/XXXX. The new servicer/investor is refusing to honor the modification. What can I do. We really need this modification or we might lose our home
10/30/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 92606	Web
My house was foreclosed on a XX/XX/2018 and there was a bankruptcy filing that discharged the debt owed on the second mortgage in which XXXX XXXX is claiming. On multiple complaints I've requested for a simple letter from XXXX XXXX XXXX XXXX XXXX to relieve me of the debt that is no longer owed, but yet again it appears that they want to resell the discharged debt to another collector and creating more distressful life for us.
10/15/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 30083	Web	Servicemember
fci lenders service inc. is attempting to foreclose on my home with fraudulent assignments. the demanded me to remit {$18000.00} to bring my home out of foreclosure. i remitted the {$18000.00} which i disputed owning but i could not allow the to take my home, but after paying the {$18000.00} they refuse to stop the foreclosure. I MAILED THE a QWR THE REFUSE TO RESPOND I ALSO ASKED FOR DEBT VALIDATION THEY REFUSE TO RESPOND
10/17/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92410	Web	Older American
I XXXX XXXX. would like to make a complain against F C I lender Services Inc.. for not allowing me a loan modification on my mortgage i am asking this company to give me a loan modification, so i hired attorney to get my loan modification, which is money i do not have to give, and i need, to get my loan modification, i need your help your help as soon as possible please, i have a sale date for XX/XX/2016.
12/27/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 90044	Web
I INFORMED THE LENDER THAT MY MONTHLY STATEMENT WAS INCORRECT. FCI LENDER P.O. BOX XXXX XXXX, CA XXXX. THE LENDER HAS FAILED TO RESPOND TO MY NUMEROUS REQUESTS. I CONTACTED MR. XXXX XXXX AT FCI LENDER. MY LOAN NUMBER IS ( UPON REQUEST ) MY MORTGAGE IS PAID CURRENT BUT IT IS NOT REFLECTED THAT WAY ON MY MONTHLY STATEMENT. PLEASE ASSIST ME. MR. XXXX IS REFUSING TO TALK TO ME.
10/05/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 92614	Web
I have made multiple calls to FCI Servicing ( Loss Mitigation through XXXX XXXX ) regarding the debt that was discharged through bankruptcy back in XX/XX/XXXX together with the House being foreclosed on XX/XX/XXXX. I continue receiving debt collection letters and threatening statements that they'll report to the three major credit agencies if I don't make new arrangements.
12/04/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MI 48235	Web
To whom it concern : I have been trying to work with my lender to help me save my home. I have a complete packet right now waiting for a resolution but they are trying to get me out of my home while my review is active. XXXX XXXX XXXX posted a letter on my home about leaving my house in 3 days pushing me out when I have no foreclosure sale date on my home!
06/28/2020	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NY 114XX	Web
My original mortgage loan was with XXXX XXXX XXXX which XXXXXXXX XXXX filed chapter XXXX and split the with XXXX XXXXXXXX XXXX XXXX I got lay-off and XXXX did a Home Affordable Refinance Program ( HARP ) which I got new mortgage with XXXX XXXX XXXX changed XXXX XXXX XXXX Also I filed chapter 7 in XXXX due to XXXX split Mortgage Specialized Loan services
01/21/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AZ 850XX	Web
XXXX XXXX XXXX had a repayment plan in place when her loan was transferred from XXXX Mortgage Servicers to FCI Lender Services. FCI failed to honor the repayment plan approved by XXXX, and moved the homeowner to foreclosure. XXXX sent an email to FCI confirming the repayment plan, and FCI still failed to honor the plan approved by XXXX.
08/18/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	GA 30058	Web
XXXX XXXX XXXX XXXX attempted to foreclose om my property when my first mortgage is current, i dispute owing XXXX XXXX XXXX XXXX any amount and the assignment that they are using to foreclose, i feel is fraudulent and clearly robo signed. XXXX XXXX XXXX XXXX has yet to respond to my notice or qualified written request.
01/09/2017	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	IL 60060	Web
Hello, I am working on a short sale that has a sale date. I submitted the package to the 2nd lien on XXXX I called today and they told me they did n't receive anything. This short sale is time sensitive and we ca n't keep sending paperwork over and over that has been already submitted.
06/05/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 95127	Web
The lender charges us usurious interest rates and even late fees for XXXX. Lender ignored our request to remove late charge of {$640.00}. Rate Interest Due from XX/XX/2019-XX/XX/2019 is {$8900.00} and Additional Daily Interest of {$210.00} if paying after XX/XX/2019.
07/03/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 94806	Web
I have requested lender a refund of {$38000.00} for the over payment on closing of final escrow on XX/XX/2019 but the lender did not pay attention to review and send me the refund. I received an email from FCI Lender Services , Inc. to ignore my request. Thank you
04/24/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	OH 44319	Web	Older American
The company refused to take my payment by phone and wouldn't help with problem on web site Raise my forbearance payment with out telling me and my statement shows no rise in payment. Refuses to send any paperwork to me.
06/23/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33147	Web
FCI Lender Services INC and XXXX XXXX XXXX, Defined Benefit have both declined modification and extension of my loan with payments that I can afford repeated request have been met with denials
05/01/2023	Yes	Mortgage Other type of mortgage	Trouble during payment process	FL XXXXX	Web
FCI Lender Services tricked me into paying a time barred debt that was ten years old. I do not want to continue paying these scam artists any more. I have paid them about $ XXXX since XXXX
11/09/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	NV 894XX	Web
Hello our margate company just got our loan 3 months ago and they are saying we owe then XXXX XXXX plus XXXX XXXX and the arragenal loan was XXXX XXXX 11 years ago we need some1 help us
08/24/2023	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	MD 208XX	Web	Older American
I want to know who is my current servicer. where did you transfer money from the XXXX insurance claim
01/03/2024	Yes	Mortgage Conventional home mortgage	Trouble during payment process Payment process	CA 95131	Web

12/13/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07735	Postal mail

11/20/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process Trying to communicate with the company to fix an issue while managing or servicing your loan	CA 95131	Web

11/08/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process Trying to communicate with the company to fix an issue while managing or servicing your loan	CA 95131	Web

08/18/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	GA 30004	Web

07/13/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 31217	Phone

06/30/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 11510	Web

06/29/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OH 45406	Phone	Older American

06/21/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 08094	Referral

03/03/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 08077	Referral

02/21/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 32818	Referral

02/14/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 61802	Referral

01/19/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 08094	Web

12/30/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MA 01757	Phone

11/28/2022	Yes	Mortgage Other type of mortgage	Trouble during payment process	NY 11787	Web

11/02/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 92407	Web

10/21/2022	Yes	Debt collection Mortgage debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33025	Web

10/13/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MD 20724	Referral

05/04/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 90605	Phone

05/03/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	KY 40165	Web

04/17/2022	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	CA 92677	Web	Older American

03/23/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	MD 20853	Phone

02/15/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 94134	Phone

02/09/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 60624	Referral

02/01/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MD 21085	Web

01/18/2022	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	MN 55338	Web

12/02/2021	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30093	Web	Older American

11/19/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	VA 22193	Phone

11/15/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 07307	Referral

10/22/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WI 53146	Phone	Older American

10/12/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32571	Phone

09/29/2021	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	NY 11421	Phone

09/29/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX XXXXX	Web

09/02/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	FL 33615	Phone

08/10/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	FL 33147	Phone	Older American

08/02/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33147	Phone	Older American

07/07/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	NE 688XX	Web

06/30/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	AZ 85326	Web

06/29/2021	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	NY 11419	Referral

06/03/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 20904	Referral

05/12/2021	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	IL 60102	Phone

05/04/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 91732	Web

04/14/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	MI 48867	Phone

03/04/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 11412	Phone

02/05/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	VA 22664	Phone	Servicemember

01/13/2021	Yes	Mortgage Other type of mortgage	Trouble during payment process	GA 30044	Phone

01/01/2021	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NV 89415	Web

11/23/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	WA 98375	Web

10/27/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 92253	Postal mail

10/23/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92253	Postal mail

10/06/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95687	Postal mail

09/20/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91356	Web	Older American

09/09/2020	Yes	Mortgage Other type of mortgage	Trouble during payment process	CO 80205	Web

06/15/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 94066	Referral

06/10/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 94066	Web	Servicemember

05/20/2020	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Information is missing that should be on the report		Phone

05/19/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92886	Referral

04/29/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	TN 38104	Postal mail

03/11/2020	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NY 11419	Postal mail

03/05/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95376	Web

02/21/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92886	Web

02/07/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 95131	Postal mail

02/07/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	DC 20011	Phone

01/04/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	FL 32818	Referral

01/02/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 95112	Postal mail

01/02/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 77302	Web

10/28/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	DC 20011	Phone

10/28/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	KY 40241	Web

09/26/2019	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	CA 91739	Web

09/20/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 11671	Web

09/19/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	MD 20748	Web	Older American, Servicemember

09/06/2019	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	AZ 85257	Phone

09/02/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 30349	Web

08/28/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 90292	Phone

07/11/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OR 97055	Referral

07/11/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 19138	Referral

07/10/2019	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30033	Referral

07/08/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 95112	Fax

06/28/2019	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	NY 11212	Phone

06/03/2019	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive notice of right to dispute	DC 20017	Postal mail

05/13/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MN 55430	Web

05/10/2019	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	CA 92651	Web

05/09/2019	Yes	Mortgage Reverse mortgage	Trouble during payment process	CA 92801	Fax

05/02/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 23234	Fax

05/01/2019	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	IL 61548	Web

04/24/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	LA 70737	Fax

04/22/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90245	Referral

04/19/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 76244	Referral

04/19/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 76244	Referral

04/10/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage		Phone

03/26/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 20603	Referral

03/23/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	MN 55051	Fax	Older American, Servicemember

03/05/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NM 88012	Web

01/30/2019	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	MA 01985	Referral

01/02/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MA 02301	Web

12/20/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	DC 20017	Referral

12/13/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75243	Web	Servicemember

11/01/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process		Referral

10/02/2018	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	GA 30038	Referral

09/26/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	KY 40601	Web

08/14/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	CA 90631	Web

08/01/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA XXXXX	Web

07/06/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 90504	Web

06/04/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	WA 98682	Web

05/30/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NJ 07856	Postal mail

05/29/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	GA 31513	Web

05/14/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 92660	Referral

05/11/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 92026	Referral

05/03/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	GA 30097	Referral

04/20/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CO 80010	Web

04/10/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	KY 40241	Phone

04/06/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TN 37040	Referral

04/04/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	TN 37040	Referral

03/29/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 91344	Postal mail

03/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KY 40241	Web

03/20/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	IL 60148	Postal mail

02/23/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 78230	Referral

01/25/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92264	Web

01/18/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OH 44004	Referral

01/03/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PA 18914	Web

12/07/2017	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	NY 11691	Phone

11/27/2017	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	IL 611XX	Web	Servicemember

11/08/2017	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	CA 91709	Web

10/30/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 07650	Web

10/24/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92223	Web

08/07/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	VA 23192	Referral

07/20/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	VA 20136	Phone

07/10/2017	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	MD 20877	Postal mail

05/02/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process		Phone

03/21/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 282XX	Web

03/14/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92127	Web	Servicemember

03/08/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PA 15214	Postal mail

12/30/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PA 19013	Web

11/06/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	IL 60619	Web	Older American

10/28/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NY 11433	Postal mail

10/12/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 92660	Web

08/17/2016	Yes	Mortgage Other mortgage	Other	NY 11221	Postal mail

07/24/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 91342	Web

07/07/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CO 80030	Web

07/05/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	OH 45238	Phone	Servicemember

05/27/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 32563	Referral	Servicemember

05/25/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	DC 20011	Referral

05/06/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 32563	Referral	Servicemember

03/16/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	NY 100XX	Web

03/09/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	OH 45238	Phone	Servicemember

03/02/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	NJ XXXXX	Web

02/26/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 32818	Web

02/25/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 28212	Web

02/04/2016	Yes	Mortgage Other mortgage	Other	NY 10701	Referral

02/01/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Application, originator, mortgage broker	AZ 85267	Web

01/27/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92614	Web

01/19/2016	Yes	Mortgage Other mortgage	Other	GA 30340	Fax

01/14/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	MA 02554	Postal mail

01/05/2016	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	CA 93004	Referral

11/03/2015	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	MA 02554	Postal mail

10/15/2015	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	CA 90044	Referral

10/07/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MD 21075	Referral

09/14/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 34207	Web

08/24/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	SC 29627	Web	Older American

08/17/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MD 21075	Referral

08/06/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PA 15214	Postal mail

07/31/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92882	Web

07/17/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NJ 07008	Referral	Older American

07/06/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	GA 30273	Web

07/06/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 34945	Referral

07/02/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	AZ 85041	Web	Older American

06/30/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NJ 07008	Postal mail

05/08/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	AZ 85307	Referral

04/21/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	OH 44104	Web

04/14/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PA 19130	Web

04/02/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	AZ 85307	Web

03/11/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 11501	Referral

03/03/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33319	Referral

02/26/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	GA 30296	Web

01/26/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MD 20782	Referral

01/22/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 90807	Referral

01/18/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NV 89149	Web

12/30/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure		Referral

12/24/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92377	Web

12/10/2014	No	Mortgage FHA mortgage	Loan modification,collection,foreclosure	GA 30083	Web

12/08/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 32725	Web

11/24/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	WI 53218	Web

11/20/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 11230	Referral

11/12/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	OH 44108	Web

09/30/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MA 01905	Web

09/23/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 91764	Web

09/04/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	FL 33414	Web

09/04/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MO 64029	Web

09/02/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MN 55912	Referral

08/29/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account		Referral	Older American

07/15/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	LA 70433	Web

06/24/2014	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	AZ 85254	Web

06/11/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33063	Web

04/08/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92728	Web

03/07/2014	No	Mortgage Other mortgage	Settlement process and costs	TX 75033	Web

01/22/2014	No	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	TX 75070	Web

01/21/2014	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	FL 32234	Phone

12/30/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	OH 43603	Referral	Older American

12/17/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	DC 20009	Web

12/09/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MD 21206	Web

11/25/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MI 48081	Web	Older American

10/23/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 94127	Web

10/03/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	HI 96746	Web	Older American

09/25/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	TX 75115	Referral	Older American

09/20/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NC 27610	Referral

07/18/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 27106	Phone

07/08/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MI 48021	Referral

06/27/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92260	Referral

05/24/2013	Yes	Mortgage Other mortgage	Other	MD 21078	Referral

05/21/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	TX 77048	Referral	Older American

05/02/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30078	Web

04/15/2013	No	Mortgage Other mortgage	Loan modification,collection,foreclosure	MI 48382	Fax	Older American

04/12/2013	No	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TN 38058	Web

04/11/2013	No	Credit card	Other fee	CA 92728	Web

02/11/2013	No	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33579	Referral

02/07/2013	No	Mortgage Second mortgage	Loan servicing, payments, escrow account	GA 31206	Referral

08/14/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91905	Web

07/27/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	OR 97221	Postal mail

06/14/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 33028	Postal mail