Consumer complaint received 2017-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (PA)

I filed chapter XXXX bankruptcy and was discharged in XXXX, 2017. Since then, I have made numerous calls to my mortgage company- Fay Servicing , LLC and have not arrived at any solution. Each time, I have been given different information from by loan managers, not the initial loan amount nor the principal balance has ever been consistent. I 've been making payments since XX/XX/XXXX to the address that the bankruptcy court was sending their payments and now the payment has been returned as undeliverable. The manager assigned to the loan makes promises to take action or send the information to another department to get results ( this is on a day that Im able to reach him ) yet, he never calls back. All I need is initial loan amount, principal, payments that have been applied to the loan since bankruptcy and after bankruptcy. 

This is stressful and making me ill to know that since the court has discharged the bankruptcy and close to 80K later that was paid during bankruptcy to this company over 5 years, yet no one can account for it almost 6 months later. I feel that I am being scammed by this company. Fay Servicing , LLC wants us to either a : continue to make payments without any idea of our loan balance or even the initial loan amount was when the loan was transferred to them : b : that we do not figure out current balance is, or what was paid in bankruptcy and continue to pay at the high interest rate of 8.5 %. c : I filed chapter XXXX bankruptcy and was discharged in XXXX 2017. Since then, I have made numerous calls to Fay Servicing , LLC and have not arrived at any solution. Each time, I have been given different information from by loan managers, not the initial loan amount nor the principal balance has ever been consistent. I 've been making payments to the address that the bankruptcy courts was sending the payments and now that last payment has been returned as undeliverable. The manager assigned to the loan makes promises to take action or send the information to another department to get results ( this is on a day that Im able to reach him ) yet, he never calls back.
This is stressful and making me ill to know that since the court has discharged the bankruptcy and close to 80K was paid during bankruptcy to this company and no one can account for it almost 6 months later. I feel that I am being scammed by this company. Fay Servicing , LLC wants us to either a : continue to make payments without any idea of our loan balance or even the initial loan amount was when the loan was transferred to them : b : that we do not figure out current balance is, or what was paid in bankruptcy and continue to pay at the high interest rate of 8.5 %. If Fay Servicing , LLC frustrates a customers enough, makes a mess of their account and the consumer stops paying, the house goes into foreclosure and they still make money, especially in my case where a large chunk of the loan is already paid off. PLEASE HELP! Fay Servicing , LLC is taking advantage me and so many others ( based on the complaints ). PLEASE HELP!