Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
CFPB, Pl noted that I have 40 years loan, that started XXXX - XXXX that Fay Servicing , LLC scheduled a " Notice of Sale '' demanded me to pay off my loan dated XX/XX/XXXX of amount due of {$620000.00} against the terms of my loan and violation of law. Also, on reinstatement quote dated XX/XX/XXXX that I have until XX/XX/XXXX to reinstate my loan by Law, but Fay deprived my civil and legal right and barred me from reinstated my loan upon repeatedly requests and filed foreclosure prevented me from reinstated my loan on a pre-mediated ill-intent.My loan balance is {$500000.00}, back pmt of 25 month x XXXX = {$52000.00} total owned $ XXXX {$620000.00} = {$64000.00} over excessive charges. Illegal and Wrongful foreclosure targeted the minority a " XXXX XXXX '' works beautifully and extreme profitable with the green light from the governmental agencies. 
Please see the attachments : also. subject complaint has nothing to do with my civil case as my prior complaints stated at such. Please see my lawyer XXXX XXXX emailed to Fay lawyer XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  ( XXXX hours ago ) to XXXX, XXXX, XXXX, me Counsel : You and your client have my permission to speak with Ms. XXXX directly. Thanks, 1, Foreclosure notice scheduled XX/XX/XXXX, Loan amount of {$620000.00} 2. Total balance due : {$500000.00} per Fay Mortgage monthly statement and lawsuit paper. 
3. XX/XX/XXXX Illegal Escrow Account Disclosure Statement demanded loan pmt of XXXX effective XX/XX/XXXX by Fraud, that Fay enforced an illegal escrow account failed, rejected, refused paid any of my property tax and insurance, never provide receipt either. 
4. Property tax paid receipts by me from XX/XX/XXXX - XX/XX/XXXX 5. Account Details and Bill History that Fay downloaded from public web and submitted to Civil Court, BK Court and CFPB committed Fraud. 
6. Cashier Check of {$62000.00} # XXXX dated XX/XX/XXXX registered to Fay, and returned 7. 9 Months payment from XXXX XXXX - XX/XX/XXXX checks total of {$18000.00} by registered mail to Fay, and all returned again by Fay Servicing , LLC. 
.8 Fay 's two reinstatements including the property taxes which Fay refused, rejected and failed to pay my tax since XXXX - XXXX and couldn't proven by XXXX XXXX County tax collector receipts committed the 8th times of illegal and wrongful foreclosures per above hard-core evidences. And Fay failed serve the mandate of a " Escrow Account '' and had no intend pay My property tax and insurance, which is against law by knowing and willing committed Fraud. 
9. I called many times to XXXX XXXX Property Tax Collector, and questioned if there were Double payments of my property tax, the answers were always " No '' there were no double payments from my lender/Fay Servicing, LLC at all. 
10. On XX/XX/XXXX again, I send a Cashier Check of {$65000.00} per reinstatement Quote dated XX/XX/XXXX with 16 pages of attachment included a letter explained the Itemized reinstatement amount sent. Also, attached 11 pages of my property Taxes receipts from XXXX XXXX Tax Collector from XXXX, XXXX - XX/XX/XXXX. 
and my bank account statements reflected and recorded property taxes paid. 

CFPB, please see the 8th times illegal and wrongful foreclosures scheduled XX/XX/XXXX that Fay filed against me Repeatedly, that I filed numerous complaints to your agency since XXXX and Fay has no fear and not afraid any of any governmental agencies but over-ruled any Governmental Agency 's mandates, rules, regulations and of course the Laws. 

I am hereby requesting CFPB filed class law suit stopping the violent atrocities against the borrowers in general, me, in specific. All of my hard-core evidences provided necessary indictments of said lawsuits and I will be a willing witness in the rule of the law before the Court. 
If Fay Servicing , LLC at it's will go around the states foreclosures any and all properties as it Free will without any governmental oversight that causes extreme danger to stabilities of Our society and rocking the security, safety and protection of citizens/borrowers civil, human and legal rights. 
Please also, takes into consideration of previous 7 times of illegal and wrongful foreclosures As following that I filed plethora and jaded complaints out of desperation and hopeless and Plea for the governmental 's justice and equity. 
CFPB case # # XXXX, # XXXX ; # XXXX complaints filed. 
I am foreclosed on XX/XX/XXXX per escrow account. I filed bk case # XXXX which later dismissed. Also,, my civil court case # XXXX XXXX also, dismissed that Judge XXXX XXXX XXXX stated that Fay Servicing , LLC followed book and didn't do anything wrong upon my complaints stated 6 times of illegal and wrongful foreclosures on the following : c. 7th time On XX/XX/XXXX again, Fay foreclosed my home on the pretense of Escrow Account that fay Couldn't provide a receipt but I submitted receipts of property paid from XXXX, XXXX - XX/XX/XXXX repeatedly to Civil Court case # XXXX XXXX XXXX case XXXX XXXX and CFPB complaints stated above. 
On XX/XX/XXXX that foreclosure notice posted on my door ( upon my repeatedly complaints No notice ever given upon 6 times illegal and wrongful foreclosures prior years )

Company response to consumer: Closed with explanation