|
10618259
|
2024-10-29
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
FCI Lender Services Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Indicated you were committing crime by not paying debt
|
| Sub Product |
Mortgage debt
|
| Date Received |
2024-10-29
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-02
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
7375656
|
2023-08-09
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
FCI Lender Services Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2023-08-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-08-09
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10600934
|
2024-10-28
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
FCI Lender Services Inc.
|
| 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 |
Conventional home mortgage
|
| Date Received |
2024-10-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-05
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
To Whom It May Concern ; Im writing this complaint in frustration. In XXXX I purchased my home with a 1st and 2nd Mortgage. In XXXX I decided to do a refinance on both loans, but upon the process of doing the refinance, I noticed that the bank wasnt working with me to complete the process. I then took matters in my hand and hired an attorney ( XXXX XXXXXXXX XXXX XXXX ) to see what was going on with the loans. It was a process and nightmare with the 1st Mortgage, but somehow I got it resolved in court in XXXX and Im still current making my payments. The second loan did not get resolved by the attorney, so what they did was they took out a mortgage on the loan and I was paying them {$400.00} a month from XXXX, in confidence believing that everything was ok at the time with the 2nd Mortgage, but basically they took advantage and collected money from the loan. A few years later in XXXX, this Servicer called FCI, claiming that they now own the loan. I then again hired another attorney to look into the problem and currently its not going the right way as it should be, because they are now putting my home up for sale on XX/XX/XXXX without trying to give me an option to do a Modification on the loan. The loan is a lost document and they dont have the original documents. Now they are trying to force action to take my house away from me, if I dont agree to pay the actual amount that is owed for {$65000.00}, plus adding interest for the amount of {$170000.00}. I need to know how this can be right in the hands of the law. I never been into any foreclosure issues before and this is not my fault that the documents were incomplete or lost throughout the years. This is a Zombie loan and after 14yrs, no one ever claims the loan until now. I need to know what to do, because I cant afford for them to take my home, knowing that they committed a fraudulent act on the documents. Im willing to work with them to do the right thing, but they are not willing to do so moving forward knowing what they did is unbearable. They denied doing a Modification. This is pure greed and cruelty to man kind. I need someone's assistance in this matter. How can someone sleep at night knowing what they are doing is wrong. Its all about helping people and not to take advantage of them. Thank you for listening to my complaint.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4618659
|
2021-08-10
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
FCI Lender Services Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2021-08-10
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-08-10
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
10795071
|
2024-11-14
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
FCI Lender Services Inc.
|
| Product |
Mortgage
|
| Sub Issue |
Foreclosure
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2024-11-14
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-14
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
2570241
|
2017-07-10
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
FCI Lender Services Inc.
|
| Product |
Mortgage
|
| Sub Product |
Home equity loan or line of credit (HELOC)
|
| Date Received |
2017-07-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-07-10
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1147309
|
2014-12-08
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
| Issue |
Loan modification,collection,foreclosure
|
| Timely |
Yes
|
| Company |
FCI Lender Services Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2014-12-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-12-08
|
| Consumer Consent Provided |
N/A
|
|
|
890171
|
2014-06-11
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
| Issue |
Loan modification,collection,foreclosure
|
| Timely |
Yes
|
| Company |
FCI Lender Services Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2014-06-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-06-11
|
| Consumer Consent Provided |
N/A
|
|
|
1797523
|
2016-02-23
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
| Issue |
Loan modification,collection,foreclosure
|
| Timely |
Yes
|
| Company |
FCI Lender Services Inc.
|
| Product |
Mortgage
|
| Sub Product |
Home equity loan or line of credit
|
| Date Received |
2016-02-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-02-23
|
| Company Public Response |
Company chooses not to provide a public response
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4594690
|
2021-08-02
|
Struggling to pay mortgage
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
FCI Lender Services Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2021-08-02
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-08-02
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
4147338
|
2021-02-18
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
FCI Lender Services Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Seized or attempted to seize your property
|
| Sub Product |
Mortgage debt
|
| Date Received |
2021-02-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-02-18
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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
|
| Consumer Consent Provided |
Consent provided
|
|
|
1562635
|
2015-09-14
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
| Issue |
Loan modification,collection,foreclosure
|
| Timely |
Yes
|
| Company |
FCI Lender Services Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2015-09-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-09-14
|
| Company Public Response |
Company chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1913190
|
2016-05-06
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Loan modification,collection,foreclosure
|
| Timely |
Yes
|
| Company |
FCI Lender Services Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional adjustable mortgage (ARM)
|
| Date Received |
2016-05-06
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-06-10
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
1858712
|
2016-03-31
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
FCI Lender Services Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2016-03-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-03-31
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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?
|
| Consumer Consent Provided |
Consent provided
|
|
|
8061101
|
2023-12-26
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
FCI Lender Services Inc.
|
| 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 |
2023-12-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-26
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
101509
|
2012-06-14
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
FCI Lender Services Inc.
|
| Product |
Mortgage
|
| Sub Product |
Other mortgage
|
| Date Received |
2012-06-14
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2012-10-04
|
| Consumer Consent Provided |
N/A
|
|
|
1264888
|
2015-03-03
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
| Issue |
Loan modification,collection,foreclosure
|
| Timely |
Yes
|
| Company |
FCI Lender Services Inc.
|
| Product |
Mortgage
|
| Sub Product |
Other mortgage
|
| Date Received |
2015-03-03
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-03-09
|
| Consumer Consent Provided |
N/A
|
|
|
6914823
|
2023-05-01
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
FCI Lender Services Inc.
|
| Product |
Mortgage
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2023-05-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-05-01
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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
|
| Consumer Consent Provided |
Consent provided
|
|
|
7356176
|
2023-08-05
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
FCI Lender Services Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2023-08-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-08-05
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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
|
| Consumer Consent Provided |
Consent provided
|
|
|
1945150
|
2016-05-27
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Loan modification,collection,foreclosure
|
| Timely |
Yes
|
| Company |
FCI Lender Services Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional adjustable mortgage (ARM)
|
| Date Received |
2016-05-27
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-06-10
|
| Consumer Consent Provided |
N/A
|
|
|
9783815
|
2024-07-31
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
FCI Lender Services Inc.
|
| Product |
Mortgage
|
| Sub Issue |
An existing modification, forbearance plan, short sale, or other loss mitigation relief
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2024-07-31
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-13
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
10371894
|
2024-10-07
|
Struggling to pay mortgage
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
FCI Lender Services Inc.
|
| Product |
Mortgage
|
| Sub Issue |
Foreclosure
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2024-10-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-07
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
This complaint has to do with FCI Lender Services , Inc and how they have continued the mismanagement of my mortgage loan following XXXX XXXX and XXXX XXXX.
XXXX XXXX was the mortgage servicer when all this started. They were the servicer of my mortgage prior to and during the XXXX Pandemic, up until they sold/transferred the servicing of my mortgage to XXXX XXXX in early XXXX XXXX after XX/XX/XXXX ).
While I was with XXXX XXXX I requested and was approved a Pandemic Forbearance Plan that entitled me to make reduced or no monthly mortgage payments for no penalty that could be treated as a non-interest-bearing liability that I would have to cover/liquidate when I made my last loan payment or sold or refinanced the property. During my forbearance plan coverage period, I believe I deferred XXXX monthly mortgage payments ( XXXX with XXXX XXXX and XXXX with XXXX XXXX. Unfortunately, the XXXX XXXX presentation was not proper as the amount due, and each monthly mortgage statement included the mortgage payments that had been properly deferred in accordance with my approved Pandemic Forbearance Plan.
Therefore, when XXXX XXXX took over the servicing of my mortgage, the immediately started to treat the Pandemic deferments as delinquent payments. They immediately started calling me multiple times a month about this. Every time ( multiple times a month from XXXX thru XX/XX/XXXX ), I had to go through and explain what really transpired and why the amounts due ( over and above the current monthly mortgage payment ) were attributable to the Pandemic Forbearance Plan that I had approved through XXXX XXXX. Every time I went through this explanation the XXXX representative noted that they were noting my explanation in their records/system. During this time, I also submitted XXXX letters explaining in detail what had transpired.
Unfortunately, when I received the next call from a XXXX rep, the notes were either not available or ignored by the XXXX XXXX and I had to go through it all again and never did I ever receive any notification that they had reached out to XXXX XXXX to verify my contention ( and nothing of the note was supposed to change even though it was transferred ; but change it did as XXXX refused to acknowledge or honor the Pandemic Forbearance Plan that I had approved by XXXX XXXX ). Again, I had to do this multiple times each month up until XX/XX/XXXX, when XXXX filed a foreclosure notice on my property.
I made all my required monthly payments while with XXXX, starting with the XX/XX/XXXX payment ( which was the last payment I could have deferred per my Pandemic Forbearance Plan ) through my last payment to XXXX XXXX on XX/XX/XXXX for the due date of XX/XX/XXXX ( XXXX XXXX # XXXX ). Unfortunately, this payment should have gone to FCI Lender Services , Inc ( FCI ), as per their notification letter dated XX/XX/XXXX, all mortgage payments due on or after XX/XX/XXXX were to be sent to XXXX ; but this letter was dated XXXX after this effective date and XXXX after my XX/XX/XXXX due date mortgage payment had been sent to XXXX. The problem with XXXX, besides what was noted above, was that from the XXXX payment I made ( for XX/XX/XXXX ) onwards, they started rejecting every payment that I sent them.
As previously noted, XXXX took over the servicing of the note in early XXXX and basically just stepped into XXXX shoes, in that they immediately started rejecting and returning all mortgage payment I have made since they too over. And, to add fuel to that fire, I recently found out that XXXX apparently did not make my Escrow Payment for my homeowners insurance and my homeowners insurance has been terminated ( and XXXX XXXX is heading for the XXXX XXXX of Florida ). Therefore, XXXX has continued to grossly negligent, even fraudulent actions initiated by XXXX and have refused all the mortgage payments I have made since they took over and have caused the termination of my homeowners insurance, putting my most significant asset in jeopardy.
The presentation of the $ amounts due that were attributable to the allowed mortgage payment deferrals under my approved Pandemic Forbearance Plan by XXXX XXXX were misguided and deceptive.
However, the handling of my mortgage by both XXXX and FCI has been grossly negligent and 100 % out of compliance with the Pandemic Forbearance Plan approved by XXXX XXXX as any transfer or sale of the servicing of the mortgage was not to change any of the characteristics of my mortgage : but the complete disregard of that approved Pandemic Forbearance Plan by both XXXX and FCI would refute that fiduciary assertion!
I have no statements to send you from FCI, as I do not have any to access since they have rejected every time mortgage payment I have made to them.
What I will attach : The FCI letter dated A schedule of the payments made to FCI
|
| Consumer Consent Provided |
Consent provided
|
|
|
678385
|
2014-01-21
|
Settlement process and costs
|
Mortgage
|
|
| Issue |
Settlement process and costs
|
| Timely |
Yes
|
| Company |
FCI Lender Services Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2014-01-21
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-01-28
|
| Consumer Consent Provided |
N/A
|
|
|
1453468
|
2015-07-06
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
FCI Lender Services Inc.
|
| Product |
Mortgage
|
| Sub Product |
Other mortgage
|
| Date Received |
2015-07-06
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-07-10
|
| Company Public Response |
Company chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
4801419
|
2021-10-12
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
FCI Lender Services Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2021-10-12
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-10-12
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
6994380
|
2023-05-18
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
FCI Lender Services Inc.
|
| Product |
Mortgage
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2023-05-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-05-18
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3486736
|
2020-01-04
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
FCI Lender Services Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2020-01-04
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-01-06
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
9691678
|
2024-08-02
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
FCI Lender Services Inc.
|
| Product |
Mortgage
|
| Sub Issue |
Trying to communicate with the company to fix an issue while managing or servicing your loan
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2024-08-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-02
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
This is in reference to the response from the FCI Lending services who claim that the draw was done by the Builders when verbally by talking to them that they would only pay to the borrower & not third party. Secondly the mtge statements had never issued any statements for the draws prior to the one on XXXX when the maturity of the loan expired. No wire confirmation was sent by FCI on XX/XX/XXXX XXXX the letter from FCI clearly states that the loan maturity was XX/XX/year>. This proof of wire was not sent with any attachments as this will resolve the issue if wire was sent to XXXX XXXX who deny receiving any funds from FCI Lending services. And why was the draw sent to the Builder & not the borrower as per your requirements when I spoke to your staff that draws are only sent to the borrower
|
| Consumer Consent Provided |
Consent provided
|
|
|
3552891
|
2020-03-03
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
FCI Lender Services Inc.
|
| Product |
Mortgage
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2020-03-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-03-03
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6939725
|
2023-05-07
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
FCI Lender Services Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2023-05-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-05-07
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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!
|
| Consumer Consent Provided |
Consent provided
|
|
|
3464355
|
2019-12-10
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
FCI Lender Services Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2019-12-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-12-10
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
