Consumer complaint received 2017-02-14
Company: Fay Servicing, LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a mortgage with XXXX which was serviced by XXXX initially until it was transfer to Fay servicing who is currently servicing my loan now for XXXX. I was laid off, my dad passed away and I was then XXXX which all lead to financial hardship. I have submitted a modification package with documents time after time to XXXX in the hope of qualifying for a modification to help me to for months I received no communication from XXXX on the status of the modification, I will only know that the status when I called. They would keep loosing my documents, I tried faxing, emailing and nothing worked. XXXX then decided to file foreclosure and sent me documents stating I was in foreclosure, after repeatedly trying to get answers on what happened to the modification and not response on the status or my documents I decided to get legal help. I was able to have a family helped me to afford a team called XXXX that helped me to stop or pause the foreclosure to find out what happened. I could n't afford them anymore and this went on for 3+ years with still no modification then in XXXX Fay servicing started servicing my loan and with no longer being able to afford the legal help I have been using a third party company aggressively working with Fay Servicing to help me with a modification. I have re-submitted a new package which I had to since they did n't have the other package and documents that I was submitting to XXXX for months. I did this in XXXX of XXXX, since then I have been submitting documents to Fay servicing over and over as they ask. I constantly email them, sometimes with no response for months. My third party have the same issue not able to get answers but with persistence they come back and ask me for the documents again. The same documents are, current paystubs, bank statements, profit and loss, etc. They would say they need to most current document and come back piece mail at a time. When I submitted the package in XXXX of XXXX, I followed the instructions and submitted all the documents needed and continued to submit them and the frustration level of why it is taking so long to just complete the package, since XXXX of XXXX or when I stared with XXXX and to date my package still ca n't complete. I do n't know where else to turn. Now I was just serviced with foreclosure notice that the sale is schedule for XXXX/XXXX/XXXX. I was XXXX in XXXX which thankfully I am trying to keep under control and the stress of how XXXXFay is handling my modification is just too much. All I am asking for is a modification so I can start paying my mortgage and keep my home. I work for a mortgage company and saw all the different programs that other people have been offered including principal forgiveness, HAMP and I just wonder why I am not able to get just my package completed and why the foreclosure has not stopped despite me sending in all my documents promptly when asked over and over. I wonder if the XXXX have anything to do with it? I work just as hard and did not asked to be laid off twice. Can you please just help me to get Fay servicing to complete my modification package and stop the foreclosure because I have been sending them all the documents since XXXX XXXX as I did XXXX back in XXXX for almost 3 years. I am tired and I know they want to kick me out of my home but I am not giving up yet, I am fighting to the end. I am just tired of wasting money just trying to get a modification because the money I have lost that I used trying to fight just to get a modification is useless and could have been paid towards my mortgage. PLEASE HELP ME.

Company response to consumer: Closed with explanation