Consumer complaint received 2022-03-22
Company: Fay Servicing, LLC
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Fay servicing is filled the respond any complaint via mail or e-mail other than stating in a form letter that they will get back to you in 30 days. This is the exact response that was given to the consumer financial protection Bureau. It has been over 90 days with no response. It is unacceptable and unlawful. 

IF Fay servicing wishes to be included/take responsibility XXXX XXXX and I can contact Illinois prosecuting office and have additional charges filed against. Currently XXXX XXXX is looking at embezzlement of funds, government fraud, and identity theft. I'm more than glad to include you in these legal issues and have charges brought forth upon if you wish to continue. The issues are listed below. All payments currently have been made to XXXX XXXX to present which they have received and processed. 

The mortgage originated in XXXX with XXXX XXXX by XXXX XXXX. In XX/XX/XXXX the mortgage became XXXX XXXX. From there they went through a multiple of mortgage companies XXXX XXXX  XXXX from XXXX, XXXX, and several others before becoming XXXX. This caused multiple issues. 
In XX/XX/XXXX the mortgage was modified Home Affordable Modification Program ( HAMP ) incentive during this time the mortgage company right to transfer/sell off to another mortgage was removed. The mortgage company can only transfer /sell off with court order or XXXX XXXX Approval which XXXX XXXX. Then as XXXX mortgage purchase/acquired XXXX still XXXX for following this agreement. 
A letter was sent to XXXX by certified mail in XX/XX/XXXX. This letter stated that any extra payment, funds, refunds and etc. would be applied to the principal for the entirety of the mortgage agreement. 
At the end of XXXX over $ XXXX of extra payments were not applied to the principal and not account for. 
At the end of XXXX over $ XXXX of extra payment and $ XXXX escrow overpayment was not applied to the principal and not account for. 
At the end of XXXX over $ XXXX of extra payment and $ XXXX escrow overpayment was not applied to the principal and not account for. 
In XX/XX/XXXX XXXX XXXX purchase XXXX mortgage and taking over all responsibilities, issues, and agreements. 
At the end of XXXX over $ XXXX of extra payment and $ XXXX escrow overpayment was not applied to the principal and not account for. 
At the end of XXXX over $ XXXX of extra payment and $ XXXX escrow overpayment was not applied to the principal and not account for. 
At the end of XXXX over $ XXXX of extra payment and $ XXXX escrow overpayment was not applied to the principal and not account for. 
In XX/XX/XXXX XXXX XXXX  violated the agreement set forth during XX/XX/XXXX HAMP in which the mortgage company would have to XXXX XXXX approval or Courts approval to transfer or sell off. So, unless Fay servicing purchased XXXX XXXX then XXXX XXXX  violated the agreement and transfer/ Sale are null and void. Plus, XXXX XXXX  then committed identity theft by releasing XXXX XXXX personal information and Social Security without my approval. Fay Servicing is also committed identity theft by not receiving preapproval to receive XXXX XXXX personal information and Social Security. 
At this point XXXX XXXX is missing $ XXXX in payments ( extra payments, escrow, interest ). This doesn't include the missing amount for lower payments should have occurred from XXXX to XXXX to XXXX to XXXX to XXXX to current which I am guessing is another couple {$1000.00}. 
As XXXX XXXX  purchase XXXX they are responsible for everything all the way back to XXXX. 
I have complained 100 times about these issues by letter, e-mail, and phone with no response from either XXXX XXXX HAMP incentives of {XXXX} on the sixth anniversary XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Payment was NEVER APPLIED. 
Government Incentive for Customers in Good Standing of {XXXX} was also never applied. 
I contacted XXXX mortgage both by phone and e-mail with no response. I also sent a letter which I waited 30 days with no response matter fact I have read your received response in 90 days from when the letter was sent. They only respond when consumer financial protection Bureau is involved. 

At this point with the missing incentives and the missing payments we are now over {$30000.00}. At this point I am ready to contact prosecutors office and have XXXX XXXX license revoked and embezzlement charges brought forth. Along with government fraud stealing government incentive.

Company response to consumer: Closed with explanation