Consumer complaint received 2025-07-09 00:00:00
Product: Mortgage — FHA 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: Fay Servicing, LLC
State: MD

Complaint narrative:
This is an ongoing issue with Fay Servicing and now XXXX. XXXX XXXX XXXX. I made several complaints against Fay Servicing about unethical practices towards loan modification and a lack of communication. 

BANKRUPTCY ON THIS PROPERTY XXXX XXXX XXXX DEBT COLLECTOR AND NOW FAY SERVICING DEBT XXXX XXXX & XXXX. Even though the complaints were closed, this led to what we are dealing with now. 

We are currently in a foreclosure process through the State of Maryland. XXXX XXXX XXXX XXXX XXXX issue an Auction of Sale, which is scheduled for XX/XX/XXXX. 

XXXX XXXX : XXXX, I filed a Motion to Stay/Dismiss on XX/XX/XXXX, because currently, there's a loan modification that is still pending. 

The judge granted my Motion for XXXX of XXXX based on the documentation that I provided. DOCUMENTATION IS PROVIDED XXXX, XXXX, and XXXX, who are representing Fay Servicing, filed a response to the Motion to Stay Foreclosure Sale. DOCUMENTATION IS PROVIDED I'm currently waiting on the results of the loan modification as of today. The attorney firm claims that I did not comply with MD. RULE 14-211 ( A ) ( 3 ) ( B ) & 14-211 ( A ) ( 3 ) ( D ). 

All documentation was submitted in a timely fashion. Fay Servicing received all pay stubs and bank statements on XX/XX/XXXX. Tracking information was given to the court showing proof. 

I just received an email notification today, XX/XX/XXXX, from Fay Servicing about the Loss Mitigation Application, which contradicted what their attorney stated in their response to the Motion. DOCUMENTATION IS PROVIDED The problem I'm dealing with is dual-tracking. When XXXX & XXXX decide to move forward with foreclosure while working with me to avoid foreclosure, the modification is still pending review. 

I'm asking for a Fair Review Process and a direct and ongoing Access to Servicing Personnel. I thought there shouldn't be a no foreclosure sale until all other alternatives have been considered.

Fay Servicing must consider and respond to a borrower 's application for a loan modification if it arrives at least 37 days before scheduled foreclosure sales.

If the servicing offers an alternative to foreclosure, they must give the borrower time to accept the offer before moving for foreclosure judgment or conducting a foreclosure sale. 

According to the State of Maryland mediator XXXX, XXXX and XXXX were assigned to be the gateway of communication between Fay Servicing and I. 

However, this is not the case. In XX/XX/XXXX, they left a loss mitigation package on my porch and tape a notice on my door. Pictures are provided This package had all my personal information, including a copy of my deed and important correspondence of me going back and forth with them and Fay Servicing. 

This whole process itself has left me unsure of who to trust. Dealing with these two has meant unwelcome surprises and constantly getting the runaround.

According to CFPB, the rules ensure fair treatment for all borrowers and establish strong protections for those struggling to save their homes.

Company response to consumer: Closed with explanation