Fay Servicing, LLC

Fay servicing violated every law there was to violate back in 2016. They stole my house and sold it. The bank wouldnt accept a payment and it had been XXXX years and Fay came in and forged the documents and our signatures and stole the house and sold it. They took the over {$250000.00} of equity I had in my house and pushed us out and I have been homeless since. They left my kids and I penniless. It would have been XXXX thing if they did it and it was legit but nothing was true and honest. They falsified documents. They didnt even have the right interest amount. I just want what is owned to me. I want the equity. They lied and said they would modify it. It was against the law to even try to collect on this debt as it has been so long since they would accept a payment. Technically the house was mine free and clear. I dont know then what I know now and I wish I had. I want what is owed to me and my family. They put us on the street.…

I am filing a formal complaint against my mortgage services for explicit violations of the Equal Credit Opportunity Act ( ECOA ) regulation X ( XXXX XXXX XXXX ) regarding a loan modification evaluation and subsequent appeal. My primary source of legal income consists of {$990.00} per month in Social Security XXXX ( XXXX ). This is non-taxable public assistance protected under federal fair lending laws. I applied for a loan modification and was initially denied. I submitted a timely appeal explicitly citing fair income laws for XXXX recipients and challenging the servicer 's income calculations. On XX/XX/XXXX, the servicer issued a decision on my appeal. I never received the written decision in the mail and only discovered it by calling the servicer. When the customer service agent emailed a copy of the letter to me, it simply stated the " must respectfully uphold the original decision.…

On Friday, XX/XX/XXXX, we sold our rental property and the wire transfer was sent to Fay Servicing. On XX/XX/XXXX, Fay Servicing also debited a mortgage payment from my account. We received confirmation of payoff Monday, XX/XX/XXXX, at XXXX CST. Monday afternoon, at XXXX PST, I called Fay Servicing for verification of payoff, and also because I was locked out of my online account. After being placed on hold approximately XXXX minutes, the woman on the phone hung up on me, after I asked for her supervisor to call me since this woman was so rude. I asked for her name, and she hung up on me. Tuesday, XX/XX/XXXX, I attempted to log in to the Fay account and still could not gain access. Today, Wednesday, XX/XX/XXXX, I called Fay again and was hung up on again. TWICE, all because legally on the deed, our property is XXXX XXXX XXXX, NOT XXXX XXXX XXXX XXXX. There is XXXX XXXX XXXX XXXX, etc, after XXXX on the deed- I did not choose this, this is how the property was when I bought it.…

I currently came across several issues with a company Fay Servicing and it sounded similar to a situation my father went through so I researched on my end and this is what I found. I am unsure what my next steps are but I am hoping this complaint can help guide Fay Servicing to do the right thing. My father, XXXX XXXX ( deceased XX/XX/XXXX ) owned a property located at XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX. He foreclosed on the property in XX/XX/XXXX. The judgement total was {$120000.00} and they resold the property in XX/XX/XXXX for {$140000.00}. That leaves an overpayment of {$17000.00} that was never offered to my father which to my understanding is illegal! I looked up the statute of limitations in Illinois and could not find any so I do not think the time has expired. My father has 2 heirs, my sister XXXX XXXX and myself so I know legally we would be entitled to these funds.…

I work with Fay Servicing and I call every 2 weeks to pay my mortgage and explicitly notate how the payment is for the following month and how it needs to be applied ONLY to that next month 's payment and like clockwork, I get a call late in the month that they haven't received my payment and have charged me a late fee. Whether it be by their system not switching everything or them not meeting my note on the account. They continuously use the complimentary waivers of late fees without my permission or acknowledgement, you can NEVER reach a manager and the only way to meet their biweekly payment processor is to be able to pay two months up front and there is still no guarantee that they will adequately mark the payment because they don't communicate with the customer and/or the internal system. I am unable to refinance my home at this time and can not stand this company and can not imagine letting them have the direct connection to my bank account anymore.…

original loan agreement was signed XX/XX/XXXX, stating a monthly payment of {$310.00} for XXXX months beginning XX/XX/XXXX. At the time of loan orientation, the loan documents included an " Agreed Rate Reduction Rider ''. Which provided for a one-time reduction of the interest rate from XXXX XXXX XXXX XXXX %, contingent upon meeting specific eligibility requirements and good payment history. Some time around the end of XXXX I received this automatic intrest rate reduction and my monthly auto draft payments were changed from XXXX $ to {$300.00}. At no time was was I ever informed that this reduction of {$11.00} per month would result in a lump sum payment of {$9500.00} at the end of XXXX months. My original loan obtained through XXXX XXXX ( DE ), now XXXX XXXX XXXX XXXX XXXX, has had multiple servicers. The current servicer being Fay Servicing LLC who sent me the XXXX day notice demanding the XXXX or jeopardize forclosure proceedings.…

the mortgage originator sold the mortgage to Fay Servicing. Fay Servicing sent me a dunning notice saying that i hadn't made the mortgage payment -- -which is true. But they hadn't sent me an invoice saying what i owed and when it was due. i called them and asked for the invoice. the person i spoke said that she couldn't/would n't send me an invoice. I asked to speak to her supervisor hoping the resolve the matter. She hung up on me.

I am submitting a follow-up complaint regarding Fay Servicing , LLCs handling of my loss mitigation application and their prior response to CFPB Complaint ID XXXX. While the company stated that my application was reviewed and that no options were available, their response did not provide a clear, complete, or verifiable explanation of how that determination was made. Specifically, the company relied on generalized and non-transparent statements, as reflected in their written response, without providing sufficient detail to allow independent verification of the evaluation, including : - That certain options are not available in my state, without identifying whether this is due to specific state law, investor-imposed restrictions, or internal policy, and without citing any governing basis that would allow this determination to be independently verified - That investor guidelines are proprietary, without explaining how my financial information was evaluated against those guidelines -…

XX/XX/, mortgage XX/XX/2026 Payment of {$2200.00} sent in good faith XXXX XXXX XXXX Payment held, not applied XX/XX/2026 ( approx. ) Payment still not credited XX/XX/2026 Check returned via USPS ( postmark date ) ( Date ) Received letter claiming 3 phone calls ( false ) XXXX 2026 No phone contact made ( supported by records )

I am filing a complaint against Fay Servicing regarding what appears to be inaccurate accounting and a lack of transparency in the servicing of my mortgage loan. I missed my XXXX payment but made payments in XXXX and XXXX. I have been informed that no payments are currently held in a suspense account. However, I am now being told I owe approximately {$16000.00} to bring my loan current, which does not align with my monthly payment amount of {$1300.00} or the number of payments I have missed. Despite multiple attempts, I have not been provided with a clear, itemized explanation of how this {$16000.00} amount was calculated. I have specifically requested clarification on how my XXXX and XXXX payments were applied, but have not received a detailed accounting.…

Hello, Please find the attached document stating foreclosure was put on my record incorrectly. I need this release to be recorded and removed from my personal record. Please advise Thanks, XXXX

I have made XXXX requests requesting an escrow waiver since XXXX XXXX, 2026 without any acknowledgement.

Made XXXX payment on the lender portal. Unbeknownst to me, this action resulted in automatic ACH debit monthly. Double payments made because I then made monthly payments on my own. Mortgage was prepaid by 3 months, and the lender still continued to debit, even though XXXX payment was due!!!! Unscrupulous business practice! I have cancelled the XXXX auto debit, once I realized what was happening.

Requested short sale approval for my deceased father property. Mortgage servicer has been emailed all requested documents, servicer is difficult to work with. I have been given misleading information several time. My father death certificate, my birth certificate, my driver license and social security card have been emailed to servicer. They ask for my financials I am a pastor my income is not taxable. XXXX is currently listed with a realtor for sale. I need to get this property sold. XXXX is titled in my name I do not want the property to foreclose.

My mortgage was sold to Fay Servicing either XXXX of XXXX or XXXX of XXXX. When it was switched to them it was hard to start paying them my monthly payments because they didnt give me a way to pay. Then when i was told how I did send in my payments and even paid over the amount due. XX/XX/XXXX I sent in a check for {$1100.00} and it was processed on the XXXX from the bank. XX/XX/XXXX I sent in a check for {$1200.00} and it still hasnt been processed. XX/XX/XXXX I have sent another payment of {$1000.00} They may have not recieved that one yet. I now have no account number ( They wont give it to me ) and no way to get on the online portal to pay or look at my mortgage. I asked them if i could pay over the phone with them and they say i am behind in payments and that the house is going into foreclosure and i have to pay forclosure fees before i can make any payments ( this seems strange ). I have record of checks i have mailed in for payments.…

I am an XXXX XXXX XXXX XXXX in the XXXX XXXX XXXXXXXX requesting assistance regarding an improper denial of my Servicemembers Civil Relief Act ( SCRA ) benefits by Fay Servicing , LLC. My mortgage loan originated on XX/XX/XXXX, while I was serving as a XXXX and not on XXXX XXXX. I later entered XXXX XXXX service on XX/XX/XXXX, with official XXXX orders reflecting report and execution dates beginning in XX/XX/XXXX. After entering XXXX XXXX, I submitted a formal request to Fay Servicing for application of SCRA benefits, including the required documentation. Specifically, I provided : - A written SCRA request - Copies of my XXXX XXXX orders showing my report and execution dates in XXXX - My reenlistment contract confirming my transition to XXXX XXXX service Despite providing this documentation, Fay Servicing denied my request. Their response stated that my XXXX XXXX start date is XX/XX/XXXX, and therefore my loanoriginated XX/XX/XXXX, XXXXdoes not qualify for SCRA protections.…

I have an account with Fay Mortgage Servicing and had an escrow account set up. My property taxes for XXXX were not paid and I was hit with a late penalty.

I used to be in XXXX XXXX bankruptcy. I am no longer in bankruptcy ; I was XXXX from bankruptcy on XX/XX/2025. However, my mortgage lender, Fay Servicing, refuses to believe I am no longer in bankruptcy. They refuse to talk to me, and will only talk to my former bankruptcy lawyer, who is no longer my lawyer ( because the bankruptcy is over ) and under no obligation to pass messages to me. They've been threatening foreclosure over a missed loan payment, but I can't talk to them about it because they will only talk to my " lawyer ''. They've been informed multiple times, including through their own lawyer, that I am no longer in bankruptcy.

I did not receive my full escrow payment upon closing. I received a final judgment when the mortgage was previously defaulted during XXXX and there was a final judgment in the amount of {$300000.00} however in order to sell the home and pay in full under arrest and threat of foreclosure, we were forced to abruptly sell and the payoff we received was {$480000.00} without any line by line explanation as to the difference in the judgment amount and their payoff amount. Their tax statement states that the amount paid for the home was XXXX and they received almost XXXX more. Over the years there had been over billing an escrow and fabricated cost such as winterization, which only occurs on properties that are vacant, and this was a primary residence and never vacant.…

Issue : Mortgage payment interference, disputed balance, unexplained account charges, incomplete records, and improper disclosure of another consumers information. I attempted to make my regular mortgage payment for XXXX, but I was unable to do so because I could not access my online account and/or was otherwise prevented from processing the payment. I was ready, willing, and able to make the XXXX payment, but Fay Servicing prevented me from doing so through its systems and handling of the account. I was not refusing to pay. I was actively trying to make the payment. We contacted Fay Servicing repeatedly on XX/XX/XXXX, XX/XX/XXXX ( twice ), XX/XX/XXXX ( twice ), and XX/XX/XXXX ( twice ) to resolve the issue and obtain an explanation. Instead, we were given inconsistent and unclear information. During one of those calls, a representative told me in substance that if I sent a payment, they would not accept it, would send it back, and litigation would be pursued against me.…

Dear Fay Servicing Team, I hope this message finds you well. I am writing regarding XXXX loans currently serviced by Fay Servicing under my XXXX LLCs : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Please update the mailing address associated with all XXXX loans to the following : XXXX XXXX XXXX XXXX XXXX, TX XXXX Additionally, I would like to request a review of any refund checks issued over the past XX/XX/XXXX years. It is my understanding that some checks may have been sent to an incorrect address. Could you please confirm : Whether any refund checks have been issued and remain uncashed during this period The amounts and issue dates of any such checks If there are uncashed checks, I kindly request that they be reissued and mailed to the updated address listed above. Please let me know if you require any additional documentation or verification to process these requests. Thank you for your assistance, and I look forward to your confirmation.

I borrowed {$35000.00} on my paid off home in XXXX. During my time of paying on it my loan was sold to 4 different mortgage companies. Before Fay Servicing it showed I owed {$19000.00} left to pay off. When Fay Servicing took it over in XXXX they added a charge of {$11000.00} showing after 17 years of paying now I owed {$30000.00} plus the doubled my mortgage payment. I filed for loan modification but they didn't lower it. So I filed hardship modification mitigation in XX/XX/XXXX. During that time I sent 3 applications at different times per request and was told I couldn't make any payments until modification. I was in touch with them. Once again I filed application XXXX XXXX. During my wait the court dismissed the temporary foreclosure on XXXX XXXX saying I have an homestead exemption. On XXXX XXXX Fay Servicing filed foreclosure for XXXX XXXX while I was still discussing the modification by phone.…

We paid our last house payment. Then a deferred balance and a recoverable corporate advance balance was charged since I was at the end of my loan, it showed up in my portal as the new balance. I asked for information on these. They sent me a letter stating the recoverable corporate advance balance was paid by my prior servicer and then that was removed. I was happy about that. Then I was waiting for the breakdown information for the deferred balance. I have called and emailed 50 times and am getting no where. Then all of a sudden the recoverable corporate advance shows back up on a statement. I am beyond frustrated!!

For the XXXX time, Fay Servicing has not timely paid insurance premiums from escrow and we have had to pay out of pocket. Fay is charging us for escrows, holding our funds and not paying premiums timely. Sometimes to the point of insurance policy lapses due to nonpayment and others while sending forced placed insurance notices to us.

I have tried on many occasions to set up a payment plan. This company does not want to work with me. I can make an extra payment a month probably for XXXX or XXXX months maybe less to catch up, I have over XXXX dollars to put towards what I owe. The Company called me and asked me what are my intentions, and I said XXXX keeping my home and I have at the time XXXX to put towards what I owe. The female on the phone stated I owe actually XXXX dollars and will have a reinstatement letter sent to my home. I get the letter and it says I need to pay over XXXX dollars to have it reinstated. There was corporate advance fees, I called them to ask them to explain this and no one has called me back or left a message. Letter stated must be paid by Friday XX/XX/XXXX and I received the letter on XX/XX/XXXX. This is a very unfair practice by this company.

The mortgage comapny is Fay Servicing. Since our mortgage has been with them since 2007, they have been charging a 31 % interest rate. The balance does not see to be going down. In the attached files you will see an examples of what been happening since 2007

fay service bill me for insurance and taxes that i payed. i have cntacted them many times and sent them proof. now they rtewported late payemnts on me even though i made the payemnt that were due.

XX/XX/XXXXXXXX total payment {$4300.00} was received and deposited by Fay Servicing. However, Fay Servicing not applied to account stating delivered after XXXX XXXX, XXXX ; XX/XX/XXXX ( {$1600.00} ) / XX/XX/XXXX ( {$2600.00} ). On XXXX XXXX, XXXX, Fay Servicing filed an Intent-to-Foreclosure & locked access to my account. Proof forwarded by XXXX XXXX XXXX XXXX XXXX faxed on XXXX XXXX, XXXX. Followed up on XXXX XXXX, XXXX, for reinstatement of plan that was still under review. The plan was to be modified to reflect correct mortgage payment {$1500.00} instead of the {$1600.00}. In addition, repayment amount for XXXX months {$980000.00}. Fay Servicing is threatening foreclosure if do not pay for nine missing payments XX/XX/XXXX- XXXX XXXX. I have paid for XXXX XXXX & XXXX XXXX ; payment for XXXX XXXX was returned. XXXX XXXX payment reflected the {$1500.00} ( not {$1600.00} ) and repayment {$1800.00}, as overpaid for XXXX XXXX ( {$2600.00} ) /XXXX XXXX ( {$2600.00} ).…

I previously submitted a complaint for this issue. It was not fully responded to with explanations that made sense or lacked complete explanations ; in addition Fay Servicings refusal to correct my credit history with errors made solely on their end. XX/XX/XXXX issue started with part of my funds for my auto payment monthly payment being pulled into suspense for {$44.00}. Fay Servicing has not provided any explanation for this. XX/XX/XXXX my payment billing was for {$610.00} and Fay deducted {$660.00} of which {$44.00} was applied as " Misapplication reversal '' on XX/XX/XXXX. XX/XX/XXXX Fay Servicing has not commented WHY a payment was not deducted despite their acknowledgment my account was set up for auto payment in XXXX of XXXX.…

The mortgage servicer, Fay Servicing, has engaged in a pattern of administrative obstruction, intentional deception regarding communication barriers, and a failure to provide legally mandated status updates.Failure to Provide a Timely Evaluation : On XX/XX/XXXX, a complete loss mitigation application was submitted for the subject property. As of XX/XX/XXXX, the servicer has failed to provide a written approval or denial. This exceeds the XXXX evaluation window required under Regulation X ( 12 CFR 1024.41 ) by approximately XXXX days.Contradiction of Internal Records regarding Communication : The servicer currently claims they can not provide a status update due to a " third-party attorney block. '' However, Fays own records dated XX/XX/XXXX, and XX/XX/XXXX, prove that the servicer has an established history of communicating directly with me as the sole point of contact for the XXXX.…