Consumer complaint received 2017-11-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NJ)

The documents will reveal that at no time have I received a valid mortgage modification from any of the 3 mortgage companies that I have attempted to work with either through my attorney or myself. 
I initiated my modification XXXX XXXX, XXXX I was notified by a represented from XXXX Mortgage that my need for a law firm was unnecessary. A XXXX XXXX Deed was obtained, signed and filed in XXXX XXXX on XXXX XXXX, XXXX. Exhibit A My request for a modification was ignored after multiple requests to provide updated financial information. I retained a modification service who was able to assist me with obtaining a trial modification on XXXX XXXX, XXXX. Exhibit B. I completed the three required payments and was told to continue making the same payments until the documents were signed. I received a text message on XXXX XXXX, XXXX that my Docs have been sent. Exhibit C. 
I received email notification on XXXX XXXX, XXXX that my divorce decree was unclear and that my modification document had not been sent as previously notified. I motioned the XXXX XXXX XXXX to modify my divorce decree to state the exact wording as requested by the lender XXXX. Exhibit D. The foreclosure process was continued even after providing the requested documents. 
XXXX XXXX retained the XXXX XXXX form to represent my foreclosure defense. The Law Firm XXXX, XXXX and XXXX, XXXX withdrew their motion permitting service of notice of intentions to foreclose on XXXX XXXX, XXXX. Exhibit E. I was still not given a modification for unknown reasons. I received notification on XXXX XXXX, XXXX that my mortgage was to be sold to XXXX, XXXX on XXXX XXXX, XXXX. Exhibit F. 
I remained represented by the XXXX XXXX firm who relentlessly attempted to obtain a modification based on my many HAMP packages submitted. Instead, the law firm representing XXXX XXXX, XXXX XXXX, XXXX, filed intent to foreclose. A defense and contesting answers were submitted to the XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XXXX XXXX, XXXX. DOCKET NO : XXXX. Exhibit G. 
On XXXX XXXX, XXXX I was again approved for a trial modification based on the Fannie Mae XXXX XXXX trial period plan. I completed the XXXX payment as required, all payments were monitored through XXXX XXXX XXXX. of the XXXX XXXX Firm. Exhibit H The law office of XXXX XXXX had attempted several times on my behalf to research the status of my modification, I had completed all the terms required for the second time. Finally on XXXX XXXX, XXXX XXXX XXXX XXXX received a call from XXXX XXXX of XXXX XXXX, confirming that the modification documents were sent directly to their attorneys at XXXX XXXX stating the bank is unable to send documents directly to their office. The request was made to resend the final modification documents. The final modification expired on XXXX XXXX, XXXX. See communication timeline Exhibit I. Unfortunately the final modification documents were not received until after the XXXX XXXX, XXXX date to except payment, and after the loan had been sold. 
I was then notified by mail in XXXX XXXX that my loan was sold on XXXX XXXX, XXXX for the third time, to XXXX XXXX, immediately up receiving this notification I notified my attorney who was also unaware of the recent sale. I called XXXX XXXX and spoke with XXXX XXXX. I informed him that I was waiting for my final modification documents, that I had successfully completed all the required payments and submitted all my banking and financial information. XXXX XXXX was given all my contact information and informed me that XXXX XXXX was awaiting my file from the previous lender. Exhibit J. 
The Fannie Mae XXXX program expired on XXXX XXXX, XXXX. I contacted a representative from the XXXX XXXX XXXX who called XXXX XXXX on a XXXX way call to assist with determining the status of my modification. XXXX XXXX I was sent a new modification from XXXX XXXX, This modification was only in my name, not the names on the original mortgage, this modification was unable to be filed due to being incorrect. This modification was also not prepared to the terms of the contractual agreement that I completed under the Affordable Housing Program and I was also informed that my loan was no longer a Fannie Mae Mortgage. I was unable to complete this modification because it was executed incorrectly by the lender. Exhibit K. 
I was served via certified mail with a notice for application for final judgement on XXXX XXXX, XXXX. I immediately contacted XXXX XXXX the advisor I have been speaking with bi weekly since the incorrect modification was issued in XXXX. XXXX XXXX informed me that XXXX XXXX sent incorrect and incomplete information to XXXX XXXX and this was being investigated. I had also sent XXXX pages of legal documents to XXXX XXXX XXXX Department on XXXX XXXX, XXXX via certified mail to accurately update my file. Exhibit L. 
On XXXX XXXX, XXXX I received a letter giving me several options, the option I chose was to complete a modification application, Exhibit M. I retained the service of XXXX and Associates who directly contacted XXXX XXXX for details in completing the modification process. 


My modification was denied for the reason that I have declined too many other modification offers. This is incorrect. I have never received a valid modification, despite my many attempts.