Consumer complaint received 2020-09-27
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The court sided with Fay with 6 illegal and wrongful foreclosures and The Court rejectedto remove the foreclosures upon the few times requested by my lawyer. I have no otheroption and filed first person victim plight caused by Fay 's " No law oversight '' green lightsforeclosures as brief following : a. I had two Loan Mod pending waiting for the underwriter 's decision, that Fay foreclosed my home without a single word, a notice, a email, or any communication at all, I hadwitness in the car talk to XXXX XXXX and he admitted my loan package completed, and also, admitted there were no notice given via foreclosures. and stated that he waswaiting for his boss 's decision to cancel the foreclosures, Fay didn't. I was forced to fileBK ( bankruptcies ) .b. I reinstated my loan 3 time on the following:XX/XX/XXXX Per XXXX XXXX amount of XXXX XXXX per XXXX XXXX amount of $ XXXX per XXXX XXXX amount of $ XXXXThree times reinstated my loan, and was told my loan reinstated, I started making the pmtevery month under a time frame.Three times out of blue, after my home reinstated, that my home was again up for foreclosed, and that is, until the 3rd time, I filed complaints to CFPB, that Fay removedthe last foreclosure one day prior.After again , I started making my monthly loan pmt on time frame, and it was never later, between XXXX - XX/XX/XXXX, that both cited that I needed to pay the Escrow Account, which were {$1600.00} over my regular pmts for each property. At this time, I made my regular loan pmts years down the road already, that both of my lenders conspired ( Fay 's parenting company XXXX ) foreclosed on both of my homes.However, upon my lawsuit against XXXX, that XXXX offered to settle the wrongful foreclosurethe very next day, and finalized dated XXXXBut, Fay with The Court 's Green lights ferociously moving forward full speed used the '' Escrow Account '' issue foreclosure dated XXXXI submitted all the property taxes and insurance receipts paid to Fay, and they lied to the court, to CFPB that they made my pmts, and never able provide any proof, since they never made any pmts thru my Escrow Account.When I talk to my neighbors, my friend, other lawyers, and all the law firms, mortgage companies call me for businesses. they all were shocked by the Court 's decision in favor of Fay 's illegal and wrongful foreclosures, and they couldn't believe it.Fay not only manufactured the Foreclosure, also,  uses the loan mod and reinstatementto rob me XXXX, I provided all the papers works and evidences and plead with court'smercy to have Fay removed the foreclosure prior and dated XX/XX/XXXX. The Court rejectedrepeated emergencies requested by my lawyer. and accused of me not take the loan thatFay offered ( pl see all the attachment via above facts stated ) and the costing is warping {$73000.00} that Fay overcharged to provide a loan mod.Fay adamantly premeditated violently by any means at any rate foreclosed on me because Fay intended to rob me of {$1200.00} ( XXXX XXXX equity build-in ) and I  was told that my home sold in the house before even going to auction. Fay also charged me for late fees and returned checks without any evidence and I have allthe registered pmts on time, delivered, not cashed for forged and fraudulent foreclosures.I actually owed the payment total of {$31000.00} v. the falsifiedreinstatement of $ XXXXthat is {$70000.00} overchargedI do not believe that the court allowedconsumers to be used as a Cash Cow. When Fay decided not to cash my duly pmts and come back cooked me 2.5 times the amount owed.Specifically the Escrow Account that Fay failed to pay any of my cost out of the escrowaccount prescribed by law, tt was a fraudulent foreclosure from get go.Also, please see the attachments of 3 different amount to reinstate my loan within  onemonth period of time.

Company response to consumer: Closed with explanation