Consumer complaint received 2026-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: FCI Lender Services Inc.
State: CA

Complaint narrative:
FCI Lender Services , Inc. Mortgage Servicing Errors and RFI Response Failures Issue : Failure to provide reinstatement amount, failure to respond to debt validation requests, and inaccurate mortgage servicing/accounting.

________________________________________ I am the borrower on a residential mortgage currently serviced by FCI Lender Services , Inc . I have been actively attempting to reinstate my loan and resolve arrears in good faith, but FCI has repeatedly failed to provide accurate and timely information necessary to do so. 

On XX/XX/XXXX, I sent a certified Consolidated Reinstatement Discrepancy Analysis and Demand for Settlement to FCI and related parties. That letter documented significant accounting discrepancies, escrow irregularities, and inconsistent reinstatement figures. It requested verification and accurate loan accounting. FCI received this correspondence via certified mail.

Separately, I previously submitted a certified written debt validation on XX/XX/XXXX, including requests for a life-of-loan accounting and validation of the debt. These requests sought a full accounting of how the alleged debt was calculated from origination through present, including payment history, escrow activity, advances, and fee assessments. FCI has not provided a complete life-of-loan validation. 

Following dismissal of my XXXX XXXX XXXX, I made renewed efforts to cure the loan. On XX/XX/XXXX, I sent a written request to FCI for a current reinstatement amount with a clear good-through date. I provided a 10-day response window so I could promptly reinstate.

FCI acknowledged receipt but failed to provide the reinstatement quote by the XX/XX/XXXX deadline.

I currently have funds available and have demonstrated intent and capacity to cure arrears if accurately accounted. However, FCIs failure to provide a reinstatement figure, combined with outstanding accounting discrepancies from prior servicer XXXX XXXX XXXXincluding reported suspense-account misapplications and XXXX XX/XX/XXXX, communication to the XXXX  Department of Financial Protection and Innovation acknowledging approximately {$21000.00} in misapplied fundshas impeded my ability to reinstate. 

Additional concerns include : FCI previously requested and collected reinstatement funds while I was under active bankruptcy stay protections ; those funds were later returned and never applied Repeated auction scheduling activity occurred while I was actively seeking reinstatement, creating distress and potential dual-tracking concerns Several itemized charges appear inflated or unsupported FCI has not provided a clear breakdown separating pre-petition and post-petition arrears My prior debt validation and life-of-loan accounting requests remain unanswered I am not refusing to pay. I am trying to reinstate and obtain accurate figures. FCIs lack of transparency and delay is the barrier.

I am requesting CFPB assistance to obtain : 1. A current, accurate reinstatement quote with a good-through date 2. A complete itemized accounting of arrears, fees, and escrow 3. A full life-of-loan payment history and debt validation 4. Clarification of pre-petition vs. post-petition amounts 5. Assurance that foreclosure activity will not proceed while reinstatement is being pursued in good faith I am simply seeking a fair and accurate opportunity to cure my loan.

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