Consumer complaint received 2023-01-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc.
State: NY

Complaint narrative:
COMPLAIN AGAINST : INDEX : XXXX XXXX Loan XXXX XXXX XXXX different Servicing companies. Current MORTGAGE COMPANY : ACCOUNT # XXXX, FCI LENDER SERVICES , INC, XXXX XXXX XXXX, XXXX, CA XXXX, Phone : XXXX, XXXX, XXXX. 

FROM : Homeowners : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX, Home Ph : XXXX, Fax : XXXX, XXXX, XXXX Subject : URGENT. Mortgage XXXX & loans by XXXX XXXX sold to XXXX different Servicing companies. Current MORTGAGE COMPANY : ACCOUNT # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX. SEEKING MORTGAGE RELIEF OR MORTGAGE-FREE AND CLEAR TITLE. 

I, XXXX XXXX reside at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX the following statement is true. I am a victim of Mortgage Fraud & loans. I am writing to inform you of fraudulent activity that I have encountered involving a mortgage company called XXXX. XXXX XXXX XXXX XXXX. I suspect that the company is engaged in mortgage fraud and the sale of negative amortization loans. 

I have experienced firsthand the repercussions of their deceit and unlawful practices. After applying for a mortgage with the company, I was sold a negative amortization loan without my knowledge. This loan had the principal balance go up with every month of payment. After a few months, I realized that I was paying almost double the principal balance as compared to when I initially signed up for the loan. This is illegal and unethical, and I hope your office will take decisive action against this company. I understand mortgage fraud and the sale of negative amortization. 

My primary mortgage company XXXX ( Current servicing mortgage : FCI LENDER SERVICES, I.N.C., ) started on XX/XX/XXXX and foreclosed action against us. We defended our case and were dismissed a few times, and the final dismissal was in XX/XX/2017. I hired XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. Owner to continue defending our case. They have done many processes, including mortgage paid-off, Collect Recovery money, has done forensics, and so on. Please keep in mind XXXX XXXX, XXXX, The Law Offices of XXXX XXXX, XXXX. is helping us with foreclose defense. 

Our main goal is for a mortgage that is free & clear ; we want to hold a clean deed & title. XXXX & XXXX XXXX  advises that XXXX ( Current servicing mortgage : FCI LENDER SERVICES, XXXX, ) has withdrawn {$1.00} XXXX in insurance money against our house, which was another fraud. 

Beside Mortgage fraud, FCI LENDER SERVICES, I.N.C. The current mortgage violates the rules and keeps denying our request to pay Property taxes & home Insurance from the escrow account. To pay via escrow funds my home insurance & property taxes, as our home has suffered significant damage due to XXXX XXXX. Our entire house, backyard, front yard, attic, cellar, and 2nd floor have been damaged, totaling $ XXXX. I had to take out a loan and use my credit card to cover living expenses since the hurricane, and I am now left with no funds to cover all the costs associated with home repairs, insurance, and property taxes. Previously all prior mortgage & servicing companies paid home insurance & property taxes out of the escrow account. 

See enclosed all of my documents submitted to the XXXX XXXX XXXX and see paid checks to the contractors. Unfortunately, XXXX denied our case ; XXXX XXXX XXXX paid a fraction of the cost we lost from ours totaling {$900000.00} in damages. 

I have children and elderly family members living with me who have been adversely affected by this disaster. Currently, I am working part-time and looking for a full-time job as a Creative XXXX and Senior Graphic Designer for the past two years ( educated with XXXX XXXXXXXX. & XXXX. Degrees and Trained ). Thus, I have been asking MORTGAGE COMPANY : FCI LENDER SERVICES, I.N.C., to assist us in this challenging time by providing the necessary funds via escrow for our home insurance and taxes. I understand this is not an unusual request, but the circumstances are such that I am desperate for help. The current mortgage violates the rules and keeps denying our request. Please take proper legal action, and I hope you will resolve these issues as soon as possible. 

Please keep in mind, XXXX denied our case ; XXXX XXXX XXXX paid a fraction of the cost we lost from ours totaling {$900000.00} in damages by XXXX XXXX. Thank you for your excellent cooperation, and I hope to hear from you with a tremendously positive answer and looking for a mortgage Grant during our most financial hardship or help us to get a mortgage-free & clear title. XXXX bless us all. 

FROM : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX, Home Ph : XXXX, Fax : XXXX, XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation