Consumer complaint received 2020-08-22
Company: FCI Lender Services Inc.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have have received approximately 5 different versions of the original promissory note that was signed on XX/XX/XXXX to buy my home all are forgeries. XXXX XXXX XXXX XXXX. first foreclosed XX/XX/XXXX with the first version of the forged Note. I modified the mortgage in XXXX of XXXX with XXXX XXXX XXXX the case was dismissed. They still tried to sell my property at sheriff sale based on the dismissed case after I paid them {$2700.00}. I got that resolved then sent XXXX a Qualified Written Request and received another version of the Note. I went into foreclosure again in XX/XX/XXXX and XXXX  created a Backdated assignment of Mortgage stating XXXX XXXX XXXX XXXX. incorrectly assigned my mortgage to XXXX XXXX XXXX XXXX in XX/XX/XXXX. XXXX stated the Corrective Assignment signed XX/XX/XXXX was to correct the previous assignment that was filed in property records XX/XX/XXXX. XXXX assigned my mortgage from XXXX XXXXXXXX XXXX XXXX. to XXXX XXXX XXXX. Foreclosure was filed XX/XX/XXXX and all documents and affidavits are signed by XXXX employees the Foreclosure has 2 different notes with different endorsements. The judge doesn`t care and judgment was entered against me. The mortgage was transferred to XXXX XXXX in XX/XX/XXXX and the mortgage assigned to another alleged trust. XXXX has another version of the Note. Mortgage was sold again XXXX of XXXX to XXXX XXXX XXXX XXXX V-C and the servicer is FCI Lender Services. I sent a Qualified Written Request and received a response XX/XX/XXXX and now they have another Version of the Note. I have tried to modify my mortgage with all these people to stop the foreclosure but it doesn`t appear any of them are working for the holder of the Original Note. According to a Servicing Transfer Letter from XXXX XXXX XXXX XXXX XX/XX/XXXX provided by FCI the name of the creditor that the debt is owed is XXXX XXXX XXXX XXXX XXXX. FCI has provided the Servicing Transfer Notices from XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, I was informed on XX/XX/XXXX by way of a letter mailed from XXXX XXXX labeled Notification of Assignment, Sale or Transfer of your Mortgage Loan that the ownership of your mortgage loan has been transferred by loan number to XXXX XXXX XXXX XXXXXXXX XXXX. The transfer was effective XX/XX/XXXX and to start paying payments to FCI. XXXX has now Recorded a forged assignment of Mortgage to XXXX XXXX XXXX XXXX XXXX and recorded it XX/XX/XXXX in state records with false signatures and notaries of FCI employees. FCI and XXXX XXXX  are trying to steel my property with the help of the previous servicers and their forged and invalid assignments. I in good faith am interested in a valid mortgage modification offered by the true party that is authorized to offer one. These parties are continuing to to trade false and forged notes and recording invalid and forged mortgage assignments for their personal gain by way of fraudulent actions.

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