Consumer complaint received 2023-05-18
Company: FCI Lender Services Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation