Consumer complaint received 2015-08-06
Company: FCI Lender Services Inc.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Is Forcing a foreclosure ok? 
Our application had all the correct addresses. Statements were mailed to the wrong address. We did not receive the " new loan number '' starting with " XXXX '' until XXXX, 2015! 
All checks had the loan number from the original loan starting with " XXXX ''. Until XXXX, FCI could look up the loan number with " XXXX '', never was I corrected when I called in to verify the mailing and receipt of payment on more than XXXX occasions prior to XXXX 2015. 

In XXXX 2015 when I was told they had not received the XXXX 2015 payment, which had the " XXXX '' loan number listed on the check, FCI suddenly could not look up my account with the " XXXX '' loan number and required the property address. At the time, I thought they changed their system and the XXXX 2015 payment was on someones desk with an unidentifiable loan number. They also said they did not receive the XXXX 2015 payment, it was the XXXX of XXXX! So I stopped payment on both checks! 

Since XXXX 2015, we were waiting for a response from FCI/XXXX XXXX XXXX XXXX to change the remittance to later in the month. We sent several Emails to the organization ( s ) to no avail. 

So now, they have sent back a check from XXXX, 2015 stating they are foreclosing on a loan originating in XXXX, 2015. We received no statements, they were mailed to the wrong address and probably returned to FCI. At no time did FCI send a statement to the property address. 
This seems to be set up for foreclosure, please investigate and confirm. 

I submitted a complaint on XXXX XXXX, 2015 - The CFPB could not locate the lender here is the number - Case number : XXXX with no response from the lender ... 

I submitted the same complaint this morning -since there was no word from the CFPB regarding the original complaint Case number : XXXXXXXXThe orighinal compliant below -1. FCI sent statements to an ambiguous address, XXXX XXXX XXXX XXXX Washington - it was not listed on any applications. 2. They never sent any communication to the property address. 3. We received the first statement from this company in XXXX, 2015 after providing both the property address and an updated XXXX XXXX for billing. 
TODAY, THEY RETURNED A CHECK SAYING DUE TO A FORECLOSURE IN PROCESS! 
In XXXX 2015 we obtained a mortgage with XXXX XXXX XXXX, XXXX XXXX. XXXXXXXX. 
The loan documents ( attached ) states that payments should be made to FCI Lender Services Inc. located in XXXX, CA. We have sent payments to this address successfully using the loan number above, until XXXX, 2015. 

After sending check No. XXXX on XXXX XXXX, 2015, we were informed on or about XXXX XXXX, 2015 that payment was not received. 

In following up on this notification with FCI Customer Service on XXXX XXXX, 2015, we found that the Loan No. XXXXXXXX, did not exist in FCI 's system - we used the property address to look up the account. 

We were told that ; 1 ) the account number was not XXXXXXXX but XXXX ; 2 ) that the XXXX 2015 and XXXX 2015 payments had not been received and ; 3 ) our statements were being sent to an unfamiliar XXXX XXXX XXXX XXXX Washington . The XXXX 2015 check has not been returned and the amount was not withdrawn from the account, also at that time the XXXX 2015 check had not posted either. 

Further we found that no action had been taken on an XXXX 2015 request ( email record attached ) to shift the payment date from the XXXX to the XXXX of each month. And that the entire mortgage would need to be rewritten if the lender, XXXX XXXX XXXX agreed to change the payment due date each month. In addition, we attempted direct contact with XXXX by phone and received no resolution or decision regarding this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation