Consumer complaint received 2019-10-09
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am filing a Complaint against Fay Servicing. My complaint is for Illegally trying to put my home into foreclosure by not responding to my emails to Fay Servicing dated XX/XX/XXXX thru today XX/XX/XXXX. I have had a Loan Modification with Fay Servicing since I applied for a Loan Modification with Fay Servicing was sold my Mortgage previously with XXXX XXXX on XX/XX/XXXX. I have Notice of Service Transfer date being XX/XX/XXXX. My package from Fay Servicing advising me of Fay Servicing LLC dated XX/XX/XXXX. I was approved for Loan Modification with Fay Servicing LLC. I have NEVER missed a payment until XXXX & XXXX of XXXX due to the death of my precious XXXX son XXXX XXXX XXXX XXXX years  young passed day after Mother 's Day on XX/XX/XXXX after in a XXXX for 7 days in the hospital. He had unfortunately lost his job and life insurance and medical insurance 2 weeks prior to his passing! XXXX had zero life insurance and me and my husband and family and friends made sure he was buried  since he did NOT want to be cremated per him telling his friends. I was able to pay XXXX and XXXX but got behind in XXXX and XXXX. I had to miss a month of worth with no pay. I knew I had to get the XXXX Payment to prevent going into foreclosure! I called numerous times and to hold for so long my anxiety couldn't handle it. I figured out how to send emails on Fay Servicing wensite so the first email was dated XX/XX/XXXX advising Fay Servicing why I had gotten behind 2 months but could pay my normal monthly mortgage payment on my due date XX/XX/XXXX. I sent two more emails giving my routing and checking account number for XXXX XXXX XXXX XXXX Ive had 42 years since I retired with XXXX XXXX XXXX on XX/XX/XXXX with 30 years! I have been at XXXX XXXX XXXX 9 years on XX/XX/XXXX collecting apartment rental debt. I have NEVER had a Lawsuit filed against me at XXXX XXXX XXXX Fay Servicing NEVER emailed me back after several emails and left a message. After work the evening of XX/XX/XXXX I called about XXXX EST and a woman answered and I explained Ihow thankful I was to be able to talk to someone so I could make my payment for XXXX. She kept saying she could NOT take my payment my loan was already in preforeclosure and she would send a Modification pkg telling my options. I remember yelling at her to let me speak to my Account Manager XXXX XXXX finally she transferred me to XXXX XXXX and he told me the same thing that I would have to pay XXXX above and beyond my normal payment to stop the foreclosure! I was hysterically crying saying I couldn't afford more than my payment and then I told I wanted a Supervisor! After on hold he transfers me to a XXXX male who kept telling me he had to have over XXXX to stop the foreclosure! I finally just flipped out from EXTREME ANXIETY from trying to tell them my XXXX died and NOT 1 employee the XXXX woman XXXX XXXX or the XXXX Supervisor cared! Then I told them to take the the house I didn't because I would XXXX XXXX! The XXXX Supervisor said something like wait a minute hold on and FINALLY came back to the phone and took my normal Mortgage Payment! I vaguely remember telling him you saved my life for taking the payment! I sent NUMEROUS emails with NO response from Fay Servicing. I will gladly forward everyone of them even though Fay Servicing should have them and that HYSTERICAL phone call! On Friday afternoon I was visiting XXXX XXXX  where my XXXX is buried and receive a call from my husband upset because a XXXX Police Officer came to the house because a Realtor had called 911 to report me XXXX  and this was XX/XX/XXXX! I spoke with the XXXX Police Officer and advised I was fine. I emailed Fay Servicing again regarding the 911 call on XX/XX/XXXX! I finally received an email from XXXX XXXX showing him as AVP Fay Servicing telling me he would like to speak with me when it was convenient! This was on Saturday XX/XX/XXXX. I relied back advising he could email me any questions he may have. One of my numerous emails last week advised Fay Servicing I wanted my Account coded CEASE & DECIST! Mr XXXX never sent me anymore emails. I did Contact XXXX Police Department on Monday XX/XX/XXXX asking what I needed to do to report a FALSE 911 that was called in at XXXX on Friday XXXX XXXX. The woman advised me I needed to come in and file Police Report. I filed Police Report yesterday XX/XX/XXXX with XXXX Police Department. I should pick up Police Reports on Friday XX/XX/XXXX. Can you please request EVERY PHONE CALL especially one from XX/XX/XXXX, ALL NOTATIONS on my Account since XX/XX/XXXX! I am also going to pursue a Lawsuit against Fay Servicing for the following : Unlawful Mortgage Practices, Discrimination, Harassment, Racism, and STRESS for myself and my XXXX year old husband! I will be filing soon after I call XXXX County Courthouse in XXXX Georgia. PLEASE make Fay Servicing PROVIDE ALL EMAILS and RECORDED call since XX/XX/XXXX! You will be SHOCKED about how UNSCRUPULOUS Fay Servicing is with a soon to be XXXX on XX/XX/XXXX Southern Speaking XXXX Woman From Georgia! 

I forgot to mention I received a letter dated XX/XX/XXXX date stamped from Post Office XX/XX/XXXX which was a Modification Package! Today I received a letter dated XX/XX/XXXX telling me how much I have to pay by XX/XX/XXXX which amount is totally incorrect! Please get everything from Fay Servicing because I Don't Lie! 

Thank You so much for Investigating Fay Servicing! 

Mrs. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Email : XXXX Cell # XXXX Fay Servicing Account # XXXX

Company response to consumer: Closed with explanation