Consumer complaint received 2025-06-05 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: VA

Complaint narrative:
My home, which had XXXX XXXX as the lender has been targeted by mortgage fraudsters who claimed they bought the Loan in some unadvertised sale where the lenders and servicers supposedly changed in quick succession from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FCI Lender Services XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Somewhere in XX/XX/XXXX near the end of the XXXX XXXXXXXX XXXX XXXX XXXX contacted me and said the Lender, XXXX XXXX , had authorized them to offer a Flex Loan Modification that would fix mortgage payments at {$1200.00}. After completing the Trial Modification period, XXXX XXXX XXXX abruptly transferred the loan to a new XXXX XXXX XXXX named XXXX XXXX. XXXX failed to recognize the loan modification but continued to collect mortgage payments until XX/XX/XXXX when they abruptly transferred the mortgage again to XXXX and XXXX XXXX. In XX/XX/XXXX, XXXX XXXX us that the Loan had been was in the process of being transferred to FCI Lender Services. When I requested information on transfer and validation of ownership and amounts owed on the loan, a new company XXXX XXXX XXXX XXXX XXXX XXXX sent a one-page letter in FCI Lender services mail, claiming ownership and advised that XXXX XXXX no longer owns my Loan. Two mortgage servicers XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX then claimed both ownership and servicing. The confusion has triggered several requests for information that the companies have only partially answered. I have been concerned about active fraud on handling of my mortgage by this group of companies who work in the shadows to hide identities while claiming ownership they have refused to disclose. In XX/XX/XXXX, FCI and XXXX informed me that the Loan was somehow modified in a delayed process at the end of XX/XX/XXXX when just before XXXX bought the loan from XXXX XXXX in an unadvertised transaction. 
In XX/XX/XXXX the home sustained damages from a massive water leak affecting the entire house. My insurance company, XXXX XXXX XXXX, accepted responsibility for the loss and advised that they were working with the mortgage servicer ( FCI Lender Services ) and XXXX XXXX XXXX XXXX XXXX ( XXXX ) to coordinate repairs on the home. XXXX XXXX XXXX paid initial funds to start repairs but stopped the repairs midstream on the instructions of XXXX and FCI Lender Services Representatives who wanted to coordinate receipt and disbursement of all funds slated for home repair from the insurance company directly. In XX/XX/XXXX the insurance company informed us that they will not pay for the remaining repairs because my mortgage company was controlling the adjustment process. The insurance company advised us to repair necessary damages from personal funds until the mortgage company releases funds the insurer would send directly to them. In XX/XX/XXXX, to my family 's surprise, we learned that the Vice President of XXXX, XXXX XXXX, had secretly authorized a Virginia Law Firm, XXXXXXXX XXXX XXXXXXXX, XXXX, to begin foreclosure proceedings on our home! In a letter dated XX/XX/XXXX, XXXX XXXX of XXXX informed us that XXXX would manage and coordinate all funds received for repairs to our home and sent us asked us to send pictures of damages and repair estimates to an address in XXXX XXXXXXXX XXXX. In the meantime, XXXX XXXX XXXX, XXXX continued to advertise our home for foreclosure with a date that was set for XX/XX/XXXX. At around the same time, XXXX XXXX informed us that they will not renew my insurance policy on my home because the mortgage company ( FCI Lender Services and XXXX ) had terminated the Escrow Account on our mortgage. With extreme animus, harassment, persecution, and retaliation XXXX XXXX XXXX XXXX ( XXXX ), FCI Lender Services XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX by all unlawful means available to them, have remained determined to take possession of my home and steal the equity I have left in it. In XX/XX/XXXX, having no options left, I was forced to file for Bankruptcy to stop the Foreclosure. In the meantime FCI and XXXX stopped communicating with me and, despite several requests, I have never heard from them again concerning the funds I borrowed to complete repairs on my home. In that bankruptcy case filed in the US Federal Bankruptcy Court for the XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX and XXXX filed fraudulent proofs of claims with the court that inflated the principal amount they are demanding as owing in the loan. Undeterred, XXXX and FCI have continued to withhold release of insurance funds from my Insurance Company to enable me to complete repairs on the damages. This lender and its mortgage servicers, colluding with corrupt lawfirms and attorneys to cause me harm and dispossess my home, have orchestrated extreme distress and financial difficulties for me from every angle, creating a state of constant battle fatigue and demoralization, just to keep my home. 

The judge entered a final order in the Bankruptcy case on XX/XX/XXXX which identified several areas, including ethical and unprofessional concerns on the part of creditors attorneys and the trustee bending to external influences of this Lender and its agents on activities of the court concerning my home that they have targeted. On XX/XX/XXXX, I filed a Notice of Appeal with the XXXXS District Court, Fourth Circuit, to address these thorny. issues. Nevertheless, on XX/XX/XXXX -- just 2days after the Bankruptcy Court entered its final order -- FCI Lender services moved quickly and destroyed all my mortgage payment records for the entire year, leaving the account essentially in foreclosure again -- as the new FCI mortgage statement now falsely claims that I have not paid Mortgage on the account since XX/XX/XXXX. They are assessing unexplained fees of over {$22000.00} to bring the account current and cure the foreclosure status they placed on the account on XX/XX/XXXX. This kind of thuggish retaliation by a lender and mortgage servicer to force a foreclosure sale is unnecessary and unacceptable persecution. I am seeking your help to find relief from this nightmare.

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