Consumer complaint received 2022-03-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (SC)

XX/XX/XXXX my business was slow, not knowing we were in the midst of a pandemic. XXXX here in XXXX XXXX my small business was shut down XX/XX/XXXX. Every event I had was shut down and I had no source of income. due to COVID. 

XX/XX/XXXX A letter was written from Fay Servicing, asking me to pay {$3600.00} plus {$38.00} late fee because my mortgage was part due. 

XXXX I started getting unemployment and the back pay plus my stimulus check and on XX/XX/XXXX, I contacted my lender Fay Servicing and spoke with representative XXXX XXXX. I explained I was calling to pay my mortgage in the amount of {$6100.00}. I was told I would receive a Good Faith letter by XX/XX/XXXX and I could make the payment at that time. I was refused to make the payment of {$6100.00}. I was told because my account has been sent to the attorneys they could not accept money from me. I stated that their recording state the call is recorded and asked again are you refusing to accept my {$6.00}, XXXX and I was told yes they couldn't accept my money, XX/XX/XXXX I was served with papers from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX It stated it was a communication from a debt collector attempting to collect a debt. It stated " 1.This is an action for the foreclosure of real property. 2. That pursuant to Supreme Court XXXX XXXX XXXXXXXX XXXX. The Mortgagor has/have been served with the required Notice of Intervention , and more than 30 days have elapsed since service to the Mortgagor and 2. As of XX/XX/XXXX, the Mortgagor has/have either failed, declined or voluntarily elected not to participate in foreclosure intervention process by failing to submit a complete loss mitigation package to either the Plaintiff or Plaintiff 's counsel. This was signed by XXXX XXXX. XXXX. 

XX/XX/XXXX Fay servicing sent another letter stating : ONLY CERTIFIED FUNDS WILL BE ACCEPTED FOR REINSTATEMENT SHOWH BELOW ON THE CAPTIONED MORTGAGE. I was told in the letter I had to pay {$10000.00} by XX/XX/XXXX, XXXXand how the money needed to be sent certified only. Letter stated : Late Payments {$7100.00} Accrued Late Fees {$610.00} Bad Check Fee {$10.00} Other Fees {$0.00} Corporate Advances {$3000.00} Less Unapplied Funds {$0.00} Total Due {$10000.00} XX/XX/XXXX, I received a letter from Fay Servicing, stating if i was having difficulty making my mortgage payments, the company would be able to assist me. The letter also mentioned refinance, modify or payment forbearance, repayment plan. 

XX/XX/XXXX at XXXX a.m., I contacted Fay Servicing and spoke with XXXX while at my bank to verify the information was correct and transferred the money. 

My complaint is I don't feel I should pay late fees from the time I attempted to pay my mortgage and bring it current and I should not have to pay for an attorney fee when we were in the midst of a pandemic and the government stated the foreclosure could happen doing that time. I feel the mortgage company refused to work with e and wanted me to lose my home I have a bank statement showing the money was in the bank and they refused to work with me as their letter stated.