Consumer complaint received 2024-10-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: FCI Lender Services Inc. (FL)

This complaint has to do with FCI Lender Services , Inc and how they have continued the mismanagement of my mortgage loan following XXXX XXXX and XXXX XXXX. 

XXXX XXXX was the mortgage servicer when all this started. They were the servicer of my mortgage prior to and during the XXXX Pandemic, up until they sold/transferred the servicing of my mortgage to XXXX XXXX in early XXXX XXXX after XX/XX/XXXX ). 

While I was with XXXX XXXX I requested and was approved a Pandemic Forbearance Plan that entitled me to make reduced or no monthly mortgage payments for no penalty that could be treated as a non-interest-bearing liability that I would have to cover/liquidate when I made my last loan payment or sold or refinanced the property. During my forbearance plan coverage period, I believe I deferred XXXX monthly mortgage payments ( XXXX with XXXX XXXX and XXXX with XXXX XXXX. Unfortunately, the XXXX XXXX presentation was not proper as the amount due, and each monthly mortgage statement included the mortgage payments that had been properly deferred in accordance with my approved Pandemic Forbearance Plan. 

Therefore, when XXXX XXXX took over the servicing of my mortgage, the immediately started to treat the Pandemic deferments as delinquent payments. They immediately started calling me multiple times a month about this. Every time ( multiple times a month from XXXX thru XX/XX/XXXX ), I had to go through and explain what really transpired and why the amounts due ( over and above the current monthly mortgage payment ) were attributable to the Pandemic Forbearance Plan that I had approved through XXXX XXXX. Every time I went through this explanation the XXXX representative noted that they were noting my explanation in their records/system. During this time, I also submitted XXXX letters explaining in detail what had transpired. 
Unfortunately, when I received the next call from a XXXX rep, the notes were either not available or ignored by the XXXX XXXX and I had to go through it all again and never did I ever receive any notification that they had reached out to XXXX XXXX to verify my contention ( and nothing of the note was supposed to change even though it was transferred ; but change it did as XXXX refused to acknowledge or honor the Pandemic Forbearance Plan that I had approved by XXXX XXXX ). Again, I had to do this multiple times each month up until XX/XX/XXXX, when XXXX filed a foreclosure notice on my property. 

I made all my required monthly payments while with XXXX, starting with the XX/XX/XXXX payment ( which was the last payment I could have deferred per my Pandemic Forbearance Plan ) through my last payment to XXXX XXXX on XX/XX/XXXX for the due date of XX/XX/XXXX ( XXXX XXXX # XXXX ). Unfortunately, this payment should have gone to FCI Lender Services , Inc ( FCI ), as per their notification letter dated XX/XX/XXXX, all mortgage payments due on or after XX/XX/XXXX were to be sent to XXXX ; but this letter was dated XXXX after this effective date and XXXX after my XX/XX/XXXX due date mortgage payment had been sent to XXXX. The problem with XXXX, besides what was noted above, was that from the XXXX payment I made ( for XX/XX/XXXX ) onwards, they started rejecting every payment that I sent them. 

As previously noted, XXXX took over the servicing of the note in early XXXX and basically just stepped into XXXX shoes, in that they immediately started rejecting and returning all mortgage payment I have made since they too over. And, to add fuel to that fire, I recently found out that XXXX apparently did not make my Escrow Payment for my homeowners insurance and my homeowners insurance has been terminated ( and XXXX XXXX is heading for the XXXX XXXX of Florida ). Therefore, XXXX has continued to grossly negligent, even fraudulent actions initiated by XXXX and have refused all the mortgage payments I have made since they took over and have caused the termination of my homeowners insurance, putting my most significant asset in jeopardy. 

The presentation of the $ amounts due that were attributable to the allowed mortgage payment deferrals under my approved Pandemic Forbearance Plan by XXXX XXXX were misguided and deceptive. 

However, the handling of my mortgage by both XXXX and FCI has been grossly negligent and 100 % out of compliance with the Pandemic Forbearance Plan approved by XXXX XXXX as any transfer or sale of the servicing of the mortgage was not to change any of the characteristics of my mortgage : but the complete disregard of that approved Pandemic Forbearance Plan by both XXXX and FCI would refute that fiduciary assertion!

I have no statements to send you from FCI, as I do not have any to access since they have rejected every time mortgage payment I have made to them.

What I will attach : The FCI letter dated A schedule of the payments made to FCI