Consumer complaint received 2020-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
Fey Servicing my mortgage company I believe they are breaking law especially due to the covid pandemic that has hit the world. You will find I have attached a time line with supporting documents showing that Fey is not following the guidelines and laws put in place by I believe the CARE ACT. Fey Servicing approved my forbearance then decided that they did not want to honor it. Though I have not seen any marks on my credit history I have done everything they have asked including sending multiple payments to them to honor my loan and they have denied all of the payments. Fey Servicing has placed me in default and plans to forclose on my home unless I pay them for the six months that I owe plus OTHER FEES that should not of been on there. Please note you will see that I have attempted to pay them on 4 different occasions. Most import of the payments were after the first 3 month forbearance in the amount of {$14000.00} I payed in full and they denied the payment. You will also find that I have paid now for the 6 month forbearance {$29000.00} but I believe they are going to deny that payment also maybe due to they added fees to this after the statement came with the amount to make my loan current. I have done more then enough as you will see to be in contact with Fey. Any help would be great.. Thank you XXXX : I do not have the record. Called fey filled out all paperwork to request forbearance. Not sure the date it was approved but I did get approval. Was told to call back to check on programs they were working on for covid relief. 
XX/XX/XXXX XXXX called fey servicing to check on assistance programs no contact name -21min call XX/XX/XXXX XXXX called fey servicing to check on assistance programs no contact name 19min call XX/XX/XXXX XXXX called fey servicing to check on assistance programs call drops 1m call XX/XX/XXXX XXXX called fey servicing to check on assistance programs call drops again 6m call XX/XX/XXXX XXXX called fey servicing to check on assistance programs call drops again 2m call / gave up XX/XX/XXXX XXXX called fey servicing to check on assistance programs no new info 14m call XX/XX/XXXX XXXX called fey servicing to check on assistance programs call drops at 9m -9m call XX/XX/XXXX XXXX called fey servicing to check on assistance programs call drops 2m call XX/XX/XXXX XXXX called fey servicing to check on assistance programs no new info 12m call XX/XX/XXXX PAYMENT SENT to fey servicing {$4900.00} via XXXX XXXX bill pay XX/XX/XXXX XXXX called fey servicing to check on assistance programs call drops 4m call XX/XX/XXXX XXXX called fey servicing to check on assistance programs no new info 15m call XX/XX/XXXX PAYMENT SENT to fey servicing in the amount of {$14000.00} from XXXX XXXX bill pay XX/XX/XXXX XXXX called fey servicing to check on assistance programs call drops 2m call XX/XX/XXXX XXXX called fey servicing to check on assistance programs no new info 22m call XX/XX/XXXX PAYMENT RETURNED / XXXX XXXX informed me bill payment was returned from fey for {$4900.00} from fey servicing for XX/XX/XXXX payment XX/XX/XXXX PAYMENT SENT to fey servicing in the amount of {$4900.00} XX/XX/XXXX XXXX called fey servicing to check on assistance programs call drops 2m call XX/XX/XXXX XXXX Called fey / spoke to XXXX XXXX informed her that my payment for {$4900.00} was reject by fey / she told me they needed full payment of XXXX to make the loan good for the 3 month forbearance I was approved on. I did tell her I sent payment for XXXX on XX/XX/XXXX 27m call XX/XX/XXXX PAYMENT RETURNED / XXXX XXXX informed me bill payment for {$14000.00} was returned from fey servicing for XX/XX/XXXX full payment XXXX No calls to or from fey servicing XX/XX/XXXX PAYMENT RETURNED / XXXX XXXX informed me bill payment for XXXX was returned from fey servicing for XX/XX/XXXX payment XX/XX/XXXX Received a letter from XXXX XXXX XXXX XXXX : Debt Validation Notice XX/XX/XXXX Received a letter in the mail from Fey Servicing that a notice of default has been recorded. 
XX/XX/XXXX XXXX called fey servicing to check on assistance programs call drops 2m call XX/XX/XXXX XXXX Talked to XXXX XXXX I explain the entire history of payments sent and returned. He did not show that I had been approved for the second 3 month forbearance. I informed him that I have the email from XXXX XXXX that I was approved for that forbearance until XX/XX/XXXX. XXXX said he would call me back by Thursday XX/XX/XXXX. I even gave him my cell number to call me back. I received no calls from him that week at all. 
XX/XX/XXXX Called XXXX XXXX and left a message XX/XX/XXXX PAYMENT SENT to fey servicing in the amount of XXXX XX/XX/XXXX Called XXXX XXXX and left a message informing him I made the full payment per the statement that was sent to me. 
XX/XX/XXXX Received a encrypted email from XXXX XXXX with a reinstatement form but the amount had an additional {$1000.00} for OTHER FEES requesting that I pay a total of XXXX to reinstate my loan. XXXX message was he would call me tomorrow. 

Fey Servicing LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Il XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with explanation