|
11746231
|
2025-01-24
|
Closing on a mortgage
|
Mortgage
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Closing on a mortgage
|
| Timely |
Yes
|
| Company |
Fay Servicing, LLC
|
| Product |
Mortgage
|
| Sub Issue |
Trying to communicate with the company to fix an issue with the loan closing
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2025-01-24
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-24
|
| Consumer Consent Provided |
N/A
|
|
|
3228602
|
2019-05-01
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Fay Servicing, LLC
|
| Product |
Mortgage
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2019-05-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-05-01
|
| Complaint What Happened |
I am currently in a 3 month trial payment plan I have a assigned counselor her name is XXXX XXXX which I have spoken to, and schedule the 3 month payment plan. I first called to speak with XXXX XXXX, after I was unable to get her, I chose to speak with any of the agents which I spoke with a individual name ; XXXX on ( XX/XX/2019 at exactly XXXX XXXX ) I call for 2 things ; 1st to ask if the payment went through for XX/XX/2019 he said that it would probably post from my account tomorrow which was XX/XX/2019. I said o.k, I then asked him when was the next bill suppose to go through he said it suppose to draft from my account on XX/XX/2019. I told him I needed to make a change on the date for this draft out of my account. I would like to have that made on XX/XX/XXXX instead. Mind you me and my husband have had some difficult times with him having XXXX and being out of work for about 5 months. I didnt explain that to the individual ( XXXX ) because I know it was in the computer systems. He made a statement to me, why are you having this come out on the XXXX and then youre gon na have to make another payment on XX/XX/XXXX, it was how he made the state in a degrading way the ( FDCPA Act ) prohibits protects people who need to be treated with dignity and respect and the statement was intent to shame me. After a while I got very fed up with his degrading comment after I explained to him that I didnt like the way he was talking to me he quickly wanted to change it like he was saying it to protect me. I felt very belittle, his actions was very much unnecessary, I also asked him was the conversation being recorded I would so much appreciate if you could listen to this conversation.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3337395
|
2019-08-12
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Fay Servicing, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2019-08-12
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-08-12
|
| Consumer Consent Provided |
N/A
|
|
|
2694117
|
2017-10-05
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Fay Servicing, LLC
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2017-10-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-10-05
|
| Complaint What Happened |
Recently I fell behind in my mortgage payments XXXX XXXX XXXX XXXX XXXX but Fay Servicing sent me a letter stating that I am XXXX months behind and bc I am in bankruptcy XXXX XXXX XXXX XXXX the automatic stay will be lifted if back payments are not paid in full by XXXX/XXXX/XXXX in the amount of XXXX money I do not have nor do I owe as much this last year has been difficult for me due to unexpected expenses out of my control also losing time off my job. I can afford to pay my mortgage and I want my home. I am now seeking a loan Modification from Fay Servicing. It seems as though they anxiously want to foreclose on my home and that is their only goal. So unfair.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1905842
|
2016-05-02
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
Fay Servicing, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional adjustable mortgage (ARM)
|
| Date Received |
2016-05-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-05-02
|
| Complaint What Happened |
XX/XX/XXXX, XXXX sent my loan modified mortgage to Fay Servicing LLC. The assigned account manager, XXXX XXXX, advised XXXX XXXX, that I not send my arranged monthly payments to Fay ( based on XXXX 's calculations ) because Fay had not received all my paperwork. XXXX XXXX was late at sending out new paperwork for me to apply for the same loan modification with Fay. I received Fay 's paperwork XX/XX/XXXX/XX/XX/XXXX. I re-applied with Fay and was denied due to the paperwork not being received in a timely manner. An appeal was requested. I was assigned a new account manager in XXXX XXXX. All paperwork required was submitted in a timely manner. I have now received a foreclosure notice scheduled for XX/XX/XXXX because Fay has not approved the loan modification, even though the loan was modified when they received it and payments were being made.
|
| Consumer Consent Provided |
Consent provided
|
|
|
495759
|
2013-08-19
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
Fay Servicing, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2013-08-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2013-08-20
|
| Consumer Consent Provided |
N/A
|
|
|
10124500
|
2024-09-14
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Fay Servicing, LLC
|
| Product |
Mortgage
|
| Sub Issue |
Escrow, taxes, or insurance
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2024-09-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-14
|
| Complaint What Happened |
On XX/XX/XXXX, I requested loan documents from Fay Servicing. The account portal has a tab that says loan documents but there are not any documents attached. The enforced insurance information is also not available. There is not a payment history on the dashboard and can not tell who and when a payment was made. The same with statements. Statements do not reflect how a payment was made or when. The response I received from them was that an attorney was handling the mortgage and they needed the attorney 's permission. I am in bankruptcy but my lawyer has provided them several times with authority to speak to me and the Bankruptcy Judge has also ordered that they must speak with me. Fay Servicing is also not reporting information correctly. My husband and I applied for a mortgage loan in XXXX together and should contain reports to both of our social security numbers however, they are only reporting interest payments to my husbands. I have paid over {$50000.00} in arrearages through bankruptcy and Fay continues to try to collect on them. Fay Servicing will not communicate effectively or provide documents.
|
| Consumer Consent Provided |
Consent provided
|
|
|
766510
|
2014-03-10
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
| Issue |
Loan modification,collection,foreclosure
|
| Timely |
Yes
|
| Company |
Fay Servicing, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional adjustable mortgage (ARM)
|
| Date Received |
2014-03-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2014-03-12
|
| Consumer Consent Provided |
N/A
|
|
|
7672569
|
2023-10-10
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Fay Servicing, LLC
|
| Product |
Mortgage
|
| Sub Issue |
Trying to communicate with the company to fix an issue while managing or servicing your loan
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2023-10-10
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-10-10
|
| Consumer Consent Provided |
N/A
|
|
|
6685719
|
2023-03-13
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Fay Servicing, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2023-03-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-13
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1199810
|
2015-01-20
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
No
|
| Company |
Fay Servicing, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2015-01-20
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-01-23
|
| Consumer Consent Provided |
N/A
|
|
|
6344035
|
2022-12-20
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Fay Servicing, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2022-12-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-20
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6575173
|
2023-02-15
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Fay Servicing, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2023-02-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-02-15
|
| Complaint What Happened |
I ask for pay off at first they said it was in bankruptcy they received 3 faxes showing it wasnt., XXXX took his a name off loan, the renters where having it taken out of their account, then on 3rd try they said it was redundant to give me payoff. They mention Texas I have spoke to 4 companies. 3 didnt know about XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Alowed mr XXXX to sign off. But Fay servicing is the one who is to give information. They are holding mortgage information, they are causing more stress than I need. My mental health is not good, neither is my health. I just want payoff so the renters can payoff and have house. Its simple but they are refusing to cooperate. There mean people.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3458938
|
2019-12-05
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Fay Servicing, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2019-12-05
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-12-05
|
| Consumer Consent Provided |
N/A
|
|
|
2314270
|
2017-01-27
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
| Issue |
Loan modification,collection,foreclosure
|
| Timely |
Yes
|
| Company |
Fay Servicing, LLC
|
| Product |
Mortgage
|
| Sub Product |
Other mortgage
|
| Date Received |
2017-01-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-02-13
|
| Complaint What Happened |
The condo at XXXX, XXXX, FL XXXX was abandoned by the owner in XX/XX/XXXX, and has sat empty since. XXXX held the mortgage, and repeated attempts to get them to foreclose failed. In XX/XX/XXXX the mortgage was sold to XXXX.
After nine years the condo fees for this unit now total more than {$100000.00} ... an expense that has had to be shared by our 39 other owners. This particular condo was bought at the height of the real estate boom, and it is unlikely the property value will ever return to that level, especially considering a new subdivision next door will soon block our view of the water and lower the property values.
Bottom line, the likelihood of the bank making a profit on this mortgage would seem to be very slim.
Our 39 other owners have had to pick up the fees and expenses on this unit. Since several are XXXX, this has been a hard financial burden.
It has been nine years since the owner abandoned the condo, and several legal attempts to get the foreclosure process started have failed. It makes no sense for any bank to continue paying property tax while our owners assume the expenses of this unit, with no end in sight. A foreclosure will at least end what is a money losing proposition for all parties.
We respectfully request that those with the power to start the foreclosure process do so in order for the unit to be sold. We realize we will lose most of the fees, but this will at least put a new owner in the unit, one who will assume their fair share of the complex expenses.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8743513
|
2024-04-10
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Fay Servicing, LLC
|
| Product |
Mortgage
|
| Sub Issue |
Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
| Sub Product |
Reverse mortgage
|
| Date Received |
2024-04-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-04-11
|
| Complaint What Happened |
My grandmother Insurance company sent fay Service a check to pay off her mortgage. Fay service sent the check back, and the Insurance company sent the check back to Fay service after they received the check they told my grandmother her property is up foreclosure and her check is just sitting into an escrow account. My grandmother never had an issue with her mortgage being paid it. Everything went down hill when Fay service took over. Fay service was taking money out her account twice amount a month.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9508091
|
2024-07-14
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Fay Servicing, LLC
|
| Product |
Mortgage
|
| Sub Issue |
Foreclosure
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2024-07-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-07-14
|
| Complaint What Happened |
I have not been able to make payments, view my online account or speak to a customer service rep and only leave messages in a general loss mitigation mail box. I have not been notified at all not by regular mail or certified mail there is a sale date on my property for XX/XX/XXXX and that I discovered by a sololiciter I contacted Fay servicing on the XXXX XXXX and stayed on hold for XXXX straight hours to finally speak to the loss mitigation they wouldn't tell me what I had to pay that was behind and I have escrow overage that I requested be applied to principal in XXXX also not done and they have hazard insurance on my home even though I've had homeowners insurance the entire time and provided them with this information. I have not been notified of any delquint payments until the XXXX after I called on the XXXX that is dated the XXXX. They have not offered me any options to avoid foreclosure or notified me at all and I'm blocked out of the online accounts and payments! I desperately need help I don't know what to do if I can't get any information from. Fay or even know the amount behind but I have XXXXXXXX XXXX escrow overage that they refuse to apply to the principal I requested this in XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
4650993
|
2021-08-21
|
Struggling to pay mortgage
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Fay Servicing, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2021-08-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-08-21
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2809395
|
2018-02-09
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
No
|
| Company |
Fay Servicing, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2018-02-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-02-09
|
| Complaint What Happened |
1 ) TAXES FOR XX/XX/XXXXWERE NOT PAYED!
2 ) AMOUNTS WITHIN LOAN ARE IN DISPUTE! NEED COMPLETE SERVICE FILE!!!
3 ) LAST MORTGAGE STATEMENT PRIOR TO THE ONE I RECEIVED FOR THE MONTH OF XX/XX/XXXX, WAS DATED XX/XX/XXXX, NOW I HAVE WRONGFUL LATE CHARGES ADDED TO MY ACCOUNT. FAY DID NOT PROVIDE MORTGAGE STATEMENT FOR XX/XX/XXXX, XX/XX/XXXX, NOR XX/XX/XXXX. BLATANT THEFT AND VIOLATIONS CONTINUE!!! SEE ALL OF MY PREVIOUS COMPLAINTS.
4 ) PAYOFF REQUEST DID NOT MATCH TOTALS WITHIN LOAN.
5 ) XXXX FROM XXXX AND FAY DID NOT MATCH TOTALS PAYED ( ONCE AGAIN )!!
|
| Consumer Consent Provided |
Consent provided
|
|
|
2746977
|
2017-12-05
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Fay Servicing, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2017-12-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-12-05
|
| Complaint What Happened |
Pursuant to Subtitle XXXX Mortgage Servicing of the Dodd-Frank XXXX XXXX Reform and Consumer Protection Act and pursuant to XXXX U.S.C. Section XXXX ( XXXX ) ( XXXX ) ( XXXX ) and XXXX. XXXX XXXX XXXX ( XXXX ) ( XXXX ), please provide : XXXX. A full, double sided, certified true and accurate copy of the original promissory note and security instrument and all assignments of the security instrument.
XXXX. Full name, address and telephone number of the actual entity that funded the transaction.
XXXX. Full name of XXXX where the Note Number is trading, or has traded, and the identifying Series of Certificates.
( Note : If the note number is being traded in a XXXX XXXX XXXX or XXXX XXXX XXXX, please provide all information to identify the Trust ( i.e. XXXX XXXX XXXX Number, XXXX Number, XXXX or XXXX XXXX Number and XXXX Class/XXXX ).
XXXX. Full name, address, and telephone number of the Trustee.
XXXX. Full name, address, and telephone number of the Custodian of my original Promissory Note, including the name, address and telephone number of any trustee or other fiduciary. This request is being made pursuant to XXXX XXXX ( XXXX ) ( XXXX ) of the Truth In Lending Act.
XXXX. Full name, address, and telephone number of the Custodian of my original XXXX XXXX, including the name, address and telephone number of any trustee or other fiduciary. This request is being made pursuant to XXXX XXXX ( f ) ( XXXX ) of the Truth In Lending Act.
XXXX. A physical location ( address ) of the original promissory note, original security instrument, and all assignments of the security instrument, and a contact name and phone number of someone who can arrange for inspection of said documents.
XXXX. Full name, address and telephone number of any master servicers, servicers, sub-servicers, contingency servicers, back-up servicers or special servicers for this account.
XXXX. The electronic XXXX number assigned to this account if this is a XXXX XXXX Account.
XXXX. Proof of true sale of the note from alleged XXXX to investors, by showing : Wire transfer document ( XXXX ), and/or Signed purchase and sale agreement ( XXXX ), Bank statements or similar documentation.
XXXX. The XXXX XXXX Report, if the note number and security instrument was tracked by Mortgage Electronic Registration Systems. I want to see the XXXX XXXX of the alleged transfer in ownership and alleged transfer in security interest.
XXXX. A complete audit history from alleged loan origination, showing the dates payments were applied, and to what internal accounts ( i.e. principal, interest, suspense, escrow, etc. ) payments were applied.
XXXX. A complete and itemized statement of all advances or charges against this account.
XXXX. A complete and itemized statement of the escrow for this account, if any, from the date of the note origination to the date of your response to this letter.
XXXX. Have you purchased and charged to the account any XXXX XXXX?
XXXX. A complete and itemized statement from the date of the note origination to the date of your response to this letter of the amounts charged for any forced-placed insurance, the date of the charge, the name of the insurance company, the relation of the insurance company to you or a related company, the amount of commission you received for each force-placed insurance event, and an itemized statement of any other expenses related thereto.
XXXX. A complete and itemized statement from the date of the note origination to the date of your response to this letter of any suspense account entries and/or any corporate advance entries related in any way to this account.
XXXX. A complete and itemized statement from the date of the loan to the date of your response to this letter of any property inspection fees, property preservation fees, broker opinion fees, appraisal fees, bankruptcy monitoring fees, or other similar fees or expenses related in any way to this loan.
XXXX. A statement/provision under the security instrument and/or note that authorizes charging any such fee against the account.
XXXX. Copies of all property inspection reports and appraisals, broker price opinions, and associated bills, invoices, and checks or wire transfers in payment thereof.
XXXX. Complete copy of any transaction report ( XXXX ) indicating any charges for any " add on products '' sold to the debtors in connection with this account from the date of the note origination to the date of your response to this letter.
XXXX. Complete and itemized statement of any late charges added to this account from the date of the note origination to the date of your response to this letter.
XXXX. Complete and itemized statement of any fees incurred to modify, extend, or amend the loan or to defer any payment or payments due under the terms of the loan, from the date of the note origination to the date of your response to this letter.
XXXX. Complete, itemized statement of the current amount needed to pay-off the alleged loan in full.
XXXX. Verification of any notification provided to me of a change in servicer.
You should be advised that within XXXX ( XXXX ) DAYS you must send us a letter stating that you received this letter. After that time you have XXXX ( XXXX ) DAYS to fully respond as per the time frame mandated by XXXX, in Subtitle XXXX Mortgage Servicing of the Dodd-Frank XXXX XXXX Reform and Consumer Protection Act and pursuant to XXXX U.S.C. Section XXXX ( XXXX ) ( XXXX ) ( XXXX ) and XXXX. XXXX XXXX XXXX ( XXXX ) ( XXXX ).
TRUTH IN-LENDING ACT XXXX ( f ) ( XXXX ) Pursuant to XXXX U.S.C. XXXX ( f ) : Please provide the name, address and telephone number of the owner XXXX XXXX ) of the mortgage and the master servicer of the mortgage.
You should be advised that Violations of this XXXX provide for statutory damages of up to {$4000.00} and reasonable legal fees. The amendments also clearly provide that the new notice rules are enforceable by private right of action. XXXX XXXX XXXX Sincerely, _ _______________________XX/XX/XXXX______________ XXXX XXXX XXXX ______________________________XXXX_______________ XXXX XXXX Date
|
| Consumer Consent Provided |
Consent provided
|
|
|
2746378
|
2017-12-05
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Fay Servicing, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2017-12-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-12-05
|
| Complaint What Happened |
DATE : XX/XX/XXXXXXXX TO : FAY SERVICING , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX RE : Notice of Error Mortgage Loan Number : XXXX Please accept this letter under RESPA and/ or TILA.
I am writing to request the information described below in regard to the mortgage on my property at XXXX XXXX XXXX. XXXX, Al XXXX.
My account was charged a total of {$610.00} on XX/XX/XXXX that were applied toXX/XX/XXXX for fees in relation to XXXX XXXX XXXX ( attorney fees {$300.00}, {$240.00} publication cost, and sales cost {$75.00} ), in connection with a wrongful foreclosure, upon investigation XXXX XXXX XXXX stated in written and verbal response that their firm did not publish anything related to my property after XX/XX/XXXX my file was closed on XX/XX/XXXX, and my home was never sold. XXXX waived these fees onXX/XX/XXXX along with ( 2 ) two property inspection fees of {$15.00} each ( see attachment ). Please waive these bogus fees, or produce itemized invoice documentation! Accounting irregularities have existed for quite sometime now, hopefully your company can investigate and fix these errors along with others. ***Note there a difference of {$1000.00} in XXXX XXXX XXXX XXXX totals!
P.S. Fee was not included in/ on FDCPA Validation Notice dated XX/XX/XXXX
Thank you for your cooperation as we dont want to lose our home and this information will help us to save our home.
If you need to contact me, I can be reached at, XXXXXXXXXXXX, or XXXX XXXX XXXX. XXXX, AL XXXX.
Sincerely, XXXX XXXX XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
3415186
|
2019-10-23
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Fay Servicing, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2019-10-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-10-23
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5076840
|
2022-01-05
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Fay Servicing, LLC
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2022-01-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-01-05
|
| Complaint What Happened |
Refinance Fraud, Loan Modification Fraud, and Insurance Packing letter sent requesting info XX/XX/2021 mortgage loan research XXXX XX/XX/2021 Fay Servicing {$15000.00} XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX amount due unknown XXXX XXXX XXXXXXXX XXXX amount due to unknown flooding my mailbox with mail and uncertified threats no notice letters for loan transfers
|
| Consumer Consent Provided |
Consent provided
|
|
|
3904743
|
2020-10-17
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Fay Servicing, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2020-10-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-10-20
|
| Complaint What Happened |
I have concerns over the handling of my mortgage account as well as issues that arose prior to the transferring of my mortgage account from Fay Servicing , LLC to XXXX XXXX XXXX. I feel as if I was taken advantage of financially by Fay Servicing , LLC in the last few months of the company servicing my loan. I also feel that my mortgage loan account was mishandled therefore causing confusion, discrepancies, numerous errors, over assessment of fees and potential unfair business practices.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7106884
|
2023-06-12
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Fay Servicing, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2023-06-12
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-12
|
| Consumer Consent Provided |
N/A
|
|
|
5075875
|
2022-01-05
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Fay Servicing, LLC
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2022-01-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-02-07
|
| Complaint What Happened |
XXXX XXXX, XXXX XXXX XXXX, and Insurance Packing letter sent requesting info XX/XX/2021 mortgage loan research XXXX XX/XX/2021 Fay Servicing {$15000.00} XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX amount due to unknown flooding my mailbox with mail and uncertified threats no notice letters for loan transfers
|
| Consumer Consent Provided |
Consent provided
|
|
|
8783400
|
2024-04-16
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Fay Servicing, LLC
|
| Product |
Mortgage
|
| Sub Issue |
Foreclosure
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2024-04-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-04-16
|
| Complaint What Happened |
Tue, XXXX XXXX A wrongful foreclosure has occurred. My property is address XXXX XXXX XXXX XXXX, AL XXXX. You are listed in conjunction with wrong doings listed below. I request a full servicing file with any other information you have on my property. In your previous response you to provide me with what I ask for, lots of blank papers was sent Multiple laws have been broken, Alabama law Section 35-10-14, ( a ) The sale was not at main court house. I was there entire day, I have video, photo, telephone records, to back my claim.
( b ) XX/XX/XXXX, I was dropped off by my friend, XXXX XXXX before XXXXXXXX XXXX. and picked up by my daughter XXXX XXXX, and her husband XXXX XXXX at XXXXXXXX XXXX I have proof. All will testify to this fact.
( c ) The sale of my home was not held on XX/XX/XXXX, prior to this date aldridgepite.com stated a bid of {$79000.00} on their website.
( d ) The sale of my home never changed hands.
( XXXX } I should have been afforded the right to bid and purchase along with the general public.
Multiple RESPA / TILA violations have occurred in respect to disclosures, servicing, accounting refusing payments, escrow, pay-off, fees, insurance, throughout the history of loan see previous filing, have records at The Alabama Attorney Generals office.
I call into question, validity of loan, and the right to those whom foreclosed.
According to 18 USC 152.157 and 3571, a person that files a false claim could be fined up to {$500000.00} imprisoned up to 5 years or both, which has occurred see attachments.
According to XXXX XXXX Bankruptcy filings 11-00337, 20-11182-JCO-13, and 21-11360-JCO-13, all in the Southern District, Mobile , AL. According to Land Records recorded and filed in Mobile County Probate, according to Instrument # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX AFFIDAVIT OF ERRONEOUS ASSIGNMENT OF MORTGAGE recorded XX/XX/XXXX states, Instrument # XXXX, in XXXX XXXX XXXX XXXX XXXX XXXX
Instrument # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, was used in case XXXX, Claim XXXX, Part 2, Filed XX/XX/XXXX, XXXX MORTGAGE Instrument # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX was used in case # XXXX Claim XXXX XX/XX/XXXX, XXXX MAIN DOCUMENT, by Fay Sevicing, LLC signed by XXXX XXXX, in Bankruptcy, after filing it was ERRONEOUS documentation in XXXX.
Instrument # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, was used in case # XXXX as exhibit 2 multiple times XXXX XXXX XXXX XXXX Assistant Vice President of Bankruptcy, XXXX XXXX XXXX and ERRONEOUS XXXX XXXX, with a loan transaction dated XX/XX/XXXX.
The listing of creditors within last two bankruptcies XXXX, XXXX, show the 2nd Mortgage 20 %, securing deed and title of home, the % 80 creditors would split up claims, XXXX XXXX XXXXXXXX, Fay Serving XXXX XXXX XXXXXXXX XXXX XXXX and XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
In the first bankruptcy, 80 % securing deed and title BAC, LP, 20 % BAC, XXXX transfered, to Real Time Soulutions.
XXXX Both of my loans originated in XXXX, my 80 % Countrywide/ XXXX XXXX XXXX XXXX XXXX was Inactive as of XXXX, XXXX XXXX Probate original Instrument # XXXXXXXX XXXX XXXX XXXX XXXX Deed Instrument # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX REAL EXHIBIT " A '' XXXX XXXX XXXXXXXX, now Inactive in XXXX reflected active XXXX Bank of New York My home XXXX XXXX XXXX XXXX XXXX XXXX.
Original Loan # XXXXturned to XXXX & XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Fay Servicing, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Matter of : XXXX XXXX and XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX AL XXXX Account Number # XXXX R.E.S.P.A. QUALIFIED WRITTEN REQUEST Dear Sir or Madam : Please treat this letter as a qualified written request under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ).
Specifically, we are disputing a ) the identity of a true secured lender/creditor, and b ) the existence of debt, and c ) your authority and capacity to collect on behalf of the alleged lender/creditor. Because of extensive criminal activity and fraud in this arena, we require proof of the chain of secured ownership from the original alleged lender/creditor to the alleged current lender/creditor. Further, we require proof that you are the entity that has been contracted to work on behalf of the alleged lender/creditor.
Pursuant to Subtitle XXXX Mortgage Servicing of the XXXX XXXX XXXX Reform and Consumer Protection Act and pursuant to XXXX U.S.C. Section XXXX ( XXXX ) ( XXXX ) ( A ) and XXXX. X Section XXXX ( XXXX ) ( XXXX ), please provide : XXXX. A full, double sided, certified true and accurate copy of the original promissory note and security instrument and all assignments of the security instrument.
XXXX. Full name, address and telephone number of the actual entity that funded the transaction.
XXXX. Full name of Trust where the Note Number is trading, or has traded, and the identifying XXXX of Certificates.
( Note : If the note number is being traded in a XXXX XXXX XXXXXXXX or XXXX XXXX XXXX, please provide all information to identify the Trust ( i.e. Fannie Mae XXXX XXXX, XXXX Number, XXXX or XXXX XXXX XXXX and Trust Class/Tranche ).
XXXX. Full name, address, and telephone number of the Trustee.
XXXX. Full name, address, and telephone number of the Custodian of my original Promissory Note, including the name, address and telephone number of any trustee or other fiduciary. This request is being made pursuant to Section 1641 ( f ) ( 2 ) of the Truth In Lending Act.
6. Full name, address, and telephone number of the Custodian of my original Security Instrument, including the name, address and telephone number of any trustee or other fiduciary. This request is being made pursuant to Section 1641 ( f ) ( 2 ) of the Truth In Lending Act.
XXXX. A physical location ( address ) of the original promissory note, original security instrument, and all assignments of the security instrument, and a contact name and phone number of someone who can arrange for inspection of said documents.
XXXX. Full name, address and telephone number of any master servicers, servicers, sub-servicers, contingency servicers, back-up servicers or special servicers for this account.
XXXX. The electronic MERS number assigned to this account if this is a MERS Designated Account.
XXXX. Proof of true sale of the note from alleged Lender to investors, by showing : Wire transfer document ( s ), and/or Signed purchase and sale agreement ( s ), Bank statements or similar documentation.
XXXX. The MERS Milestone Report, if the note number and security instrument was tracked by Mortgage Electronic Registration Systems. I want to see the audit trail of the alleged transfer in ownership and alleged transfer in security interest.
XXXX. A complete audit history from alleged loan origination, showing the dates payments were applied, and to what internal accounts ( i.e. principal, interest, suspense, escrow, etc. ) payments were applied.
XXXX. A complete and itemized statement of all advances or charges against this account.
XXXX. A complete and itemized statement of the escrow for this account, if any, from the date of the note origination to the date of your response to this letter.
XXXX. Have you purchased and charged to the account any Force-Placed Insurance?
XXXX. A complete and itemized statement from the date of the note origination to the date of your response to this letter of the amounts charged for any forced-placed insurance, the date of the charge, the name of the insurance company, the relation of the insurance company to you or a related company, the amount of commission you received for each force-placed insurance event, and an itemized statement of any other expenses related thereto.
XXXX. A complete and itemized statement from the date of the note origination to the date of your response to this letter of any suspense account entries and/or any corporate advance entries related in any way to this account.
XXXX. A complete and itemized statement from the date of the loan to the date of your response to this letter of any property inspection fees, property preservation fees, broker opinion fees, appraisal fees, bankruptcy monitoring fees, or other similar fees or expenses related in any way to this loan.
XXXX. A statement/provision under the security instrument and/or note that authorizes charging any such fee against the account.
XXXX. Copies of all property inspection reports and appraisals, broker price opinions, and associated bills, invoices, and checks or wire transfers in payment thereof.
XXXX. Complete copy of any transaction report ( XXXX ) indicating any charges for any " add on products '' sold to the debtors in connection with this account from the date of the note origination to the date of your response to this letter.
XXXX. Complete and itemized statement of any late charges added to this account from the date of the note origination to the date of your response to this letter.
XXXX. Complete and itemized statement of any fees incurred to modify, extend, or amend the loan or to defer any payment or payments due under the terms of the loan, from the date of the note origination to the date of your response to this letter.
XXXX. Complete, itemized statement of the current amount needed to pay-off the alleged loan in full.
XXXX. Verification of any notification provided to me of a change in servicer.
You should be advised that within FIVE ( 5 ) DAYS you must send us a letter stating that you received this letter. After that time you have THIRTY ( 30 ) DAYS to fully respond as per the time frame mandated by Congress, in Subtitle E Mortgage Servicing of the XXXX XXXX XXXX Reform and Consumer Protection Act and pursuant to 12 U.S.C. Section 2605 ( e ) ( 1 ) ( A ) and Reg. X Section 3500.21 ( e ) ( 1 ).
TRUTH IN-LENDING ACT 131 ( f ) ( 2 ) Pursuant to 15 U.S.C. 1641 ( f ) : Please provide the name, address and telephone number of the owner ( s ) of the mortgage and the master servicer of the mortgage.
You should be advised that Violations of this Section provide for statutory damages of up to {$4000.00} and reasonable legal fees. The amendments also clearly provide that the new notice rules are enforceable by private right of action. 15 USC 1641 XXXX XXXX XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
471377
|
2013-07-31
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
| Issue |
Loan modification,collection,foreclosure
|
| Timely |
Yes
|
| Company |
Fay Servicing, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2013-07-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2013-08-02
|
| Consumer Consent Provided |
N/A
|
|
|
9397785
|
2024-07-01
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Fay Servicing, LLC
|
| Product |
Mortgage
|
| Sub Issue |
Loan sold or transferred to another company
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2024-07-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-07-01
|
| Complaint What Happened |
We received a letter in XXXX of XXXX that Fay Servicing was our new servicer for our mortgage which was XXXX XXXX XXXX. We had been with XXXX XXXX XXXX for years and we were pretty close to paying off our mortgage. Once XXXX took over the mortgage, they started demanding the full amount of more than the loan was ever for. We purchased our home in XXXX and started payments around XXXX and had never refinanced our mortgage or anything. The original loan was only XXXX over XXXX years ago and we have made payments on our mortgage and they were claiming XXXX! That means we would have NEVER made a payment on our home in XXXX years. Doesn't make sense. We ended up in bankruptcy a few times off and on since XXXX XXXX and are currently in bankruptcy. We have only been with Fay since XXXX and they have already tried to foreclose on our home 4 times. They are always charging excessive corporate advance fees ( which I do not know what that even is ) and I don't believe payments have been applied correctly. We received assistance from the housing authority last year and they applied XXXX to interest. They also placed hazard and flood insurance on our home in extreme amounts. I have spent days and weeks trying to contact who exactly XXXX Mortgage and get copies that XXXX XXXX XXXX sold the mortgage. Fay 's monthly statements are weird because they all have something a little different about them and they are even missing almost a year 's worth of statements on our online portal. They also do not show payment history or transactions. I have requested insurance information, payment history, and proof of the mortgage asking them to be the servicer. Some of the documents mention a deed of trust and they do not have a deed of trust. I have only attached just a few of the documents. I can send more if needed but wasn't sure how many files it would accept.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8774617
|
2024-04-16
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Fay Servicing, LLC
|
| Product |
Mortgage
|
| Sub Issue |
Payment process
|
| Sub Product |
VA mortgage
|
| Date Received |
2024-04-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-04-16
|
| Complaint What Happened |
My account was transferred to Fay servicing in XX/XX/XXXX. My first payment to them was for XX/XX/XXXX which I made through their automated phone system on XX/XX/XXXX. The payment didnt go through so I called a representative and paid that payment around XX/XX/XXXX. From there forward I called every payment in over the phone. The problem at first was that they said my first payment to them was returned. But This is how I found out there was a problem. I got a letter from Fay servicing stating that My payment {$1000.00} changed to {$1300.00} because of an escrow shortage. And it would start XX/XX/XXXX. When I called to make the payment the representative told me that I owed {$1000.00} for XX/XX/XXXX. I told them that I had not missed a payment. They would not take my XX/XX/XXXX payment. I made several calls since then. I have been told everything from my payments were posted to XX/XX/XXXX, two payments were posted to XXXX, and several times I was told that a supervisor would call me within 24hrs which never happened. I was also told that I would be sent a statement showing all payments to them which never happened. Yesterday a representative told me that they had a letter from the previous servicing company saying that I was delinquent. Then she said that she was going to request records from XXXX. This appears to me to be a stalling technique. It appears that they are trying to force me to pay an extra payment which I dont have or even force me into foreclosure. Ive been in a bankruptcy which was discharged on XX/XX/XXXX and I have never missed a payment. I am a XXXX XXXX retired XXXX veteran and I would appreciate any help that you can provide.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5323545
|
2022-03-15
|
Struggling to pay mortgage
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Fay Servicing, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2022-03-15
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-03-15
|
| Consumer Consent Provided |
N/A
|
|
