Consumer complaint received 2018-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
I have learned that Faye Servicing is the new loan Servicer.. Initially, XXXX XXXX owned the note, then XXXX, then XXXX   XXXX.XXXX  XXXX. I also learned a new group, XXXX XXXX, purchased the loan. Faye Servicing had been sending time sensitive and financially sensitive mortgage related documents to the main building address of where my I live, and not to my personal residence. This means that the property manager or someone else has been receiving very sensitive financial information regarding my loan. This action was intentional. 
In XX/XX/2018, I sent a Validation of Debt request to Fay Servicing.  I including my mailing address, which the previous note holder, XXXX XXXX, used and is in public record. I also included my condo unit number.physical address in my Validation of Debt request. 
On XXXX  XXXX, I received a written response from Faye Servicing which was dated XX/XX/2018. Faye 's response refers to my physical address as the main building address ( there are approximately 250 units in the building ). The " Prior Servicer Account History '' which Faye sent me only includes the XXXX XXXX payment history that is illegible and impossible to authenticate. The font is exceedingly tiny, and I can only identify the " XXXX XXXX '' emblem '' on the paper. Fay Servicing failed to provide the payment history for the years when XXXX XXXX and XXXX owned the note. They failed to remove negative amortization debt that has been added to the loan balance, or address other charges and fees that have been assigned to this loan balance. 

In summary, Fay Servicing has denied my request for a validation of debt and supporting documentation. They sent me a one page letter, which reads in part, " Please be advised that Fay will not provide any information or documentation considered confidential or proprietary, or that is not in our possession. '' Presumably, Fay Servicing has mailed mortgage and other pre-foreclosure related documentation, including my mortgage account number, to the general building address and not to my personal residence. Private mortgage financial documents, including the account number, have been directed to the onsite Property Manager and/or Homeowners Association. I believe these were acts of Willful Negligence. The " General Building Address '' repeatedly appears on the Fay Servicing documents, including when referencing my account number.

Consumer Law requires a debt collector to validate the debt ; Fay Servicing is dismissing themselves of this requirement by stating they " do not have certain documents in their possession ''. 

A " Fair Debt Collection Practices Act Validation Notice '' dated XX/XX/2018, which was included in Fay Servicing response to me, includes line items such as Current Unpaid Escrow Balance : {$0.00}. Current Unpaid Accrued Interest : {$0.00} Partial Payment not yet Applied : {$0.00}. Late Charges : {$0.00}. Fay Servicing and XXXX fail to state the total amount due.

Company response to consumer: Closed with explanation