Consumer complaint received 2026-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: FCI Lender Services Inc.
State: NJ

Complaint narrative:
I contacted FCI XXXX in XXXX of XXXX regarding a payoff quote due to a sale was initiated. The account rep ( XXXX XXXX ). I received the payoff quote that was sent to me. The payoff had several fees that was added to the account, but they were fees that I never saw. 

My first dispute was that FCI was charging me for Lender Placed Insurance but I already had my own insurance on the property that was current ( Expires XX/XX/XXXX ). The company had several dates and various different amounts that was added on the account. I was asked to send proof of my own insurance which I did provide proof. My next response was the insurance doesn't show the property address, I provided that. 

Then they came back and said the right amount of coverage was not stated, I then sent all 157 pages of the policy. By this time I had filed a complaint with XXXX. XXXX who was initially communicating with me had stop responding to my emails.After the XXXX complaint I begin responding with XXXX XXXX. XXXX followed up stating the insurance proof I submitted was sufficient and they would remove the LPI charges from the account. That issued was resolved. 

Now I am questioning several other fraudulent charges placed on the account. I received 4 payoff quotes from FCI. Each quote had different charges, different dates as to when the charges were added which were clearly fraudulent charges. 

When I asked XXXX about the property preservation charges that were added she stated " XXXX XXXX XXXX, I sent you the inspection invoices. At this price ( {$20.00} each ) they would be drive by inspections to look for signs of occupancy, such as a car in the driveway, or trash cans out for collection. The inspections are done when an account falls delinquent to make sure the property hasnt been abandoned. In many states, an abandoned property needs to be secured by a lender to prevent breakins, damage and squatters. '' My response, " Thank you XXXX. To clarify everything or to see if the property was abandoned, would it have been simpler to call me? To respond to the dates of the drive by 's. One payoff letter shows dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Then another payoff letter shows 2 charges of {$20.00} each on XX/XX/XXXX and 2 charges of {$20.00} each on XX/XX/XXXX. Most dates were on a Friday, trash collections are on XXXX, except for XX/XX/XXXX which is a Monday. As well, if the driveby inspector drove by for 4 months in a row, why wasn't there an attempt to secure the property if you felt the property was abandoned. And, why were you charging 2 charges on XX/XX/XXXX when at this time the sale of the property was already initiated. So to sum it up, you charged {$40.00} XX/XX/XXXX, then waited 3 months later until XX/XX/XXXX and did another drive-by, 2 on the same day to see if the property was abandoned, yet there's still no attempt to secure the property if it was indeed abandoned? And if he/she would have gotten out of the vehicle rather than doing drive-bys, it would have been evident that there are cameras on the property as well as an electronic keypad on the door. Things that abandoned properties do not have. 

There are several other large amounts of fees added on the account that is not justifiable. My last response from XXXX was XXXX XXXX, I referred the account to your relationship manager and their supervisor, and they wish me to inform you that the charges have been reviewed and will remain. 

This company has been ripping consumers off for years with their predatory fees. I am not sure how many consumers pay these predatory fees without questioning or get a resolution but I do know there are several complaints with the XXXX from other consumers.

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