Consumer complaint received 2024-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC
State: DC

Complaint narrative:
Here is a summary of my case. My issues began on XX/XX/XXXX when I received the first notice of payment issues from FAY SERVICING. 

-I Never received info that insurance and taxes had increased -Sent XXXX payment, it was never returned. 
XXXX Payments were mailed and sent. Both months my payments were cashed. 
XXXX XXXX received returned checks for all three properties stamped by Fay received XX/XX/XXXX. 
-XXXX  informed me that my accounts went into Foreclosure on XX/XX/XXXX XXXX XXXX XXXX Received mailing notice that accounts are in Foreclosure from FAY Servicing, HOWEVER, Fay Servicing NEVER contacted me of any missed or late payments. It wasn't until XX/XX/XXXX letter that I was made aware of these issues. 
-XXXX XXXX Called Fay Servicing, Spoke to XXXX . 
XXXX indicated accounts were Referred to Foreclosure. I was never given options to remedy these issues in anyway. 
- I never received a Notice of Intent to Foreclose or any modification calls or mediation to correct these issues. 
XXXX informed me that the law firm representing them was Law Firm XXXX XXXX, Owner XXXX  ) XXXX  ) XXXX XXXX XXXX Reception at law firm indicated there is no notes as to why account is in Foreclosure -Silva gave me Attorney XXXX XXXX XXXX -Sent an email on XX/XX/XXXX, XXXX to the attorney, her email bounced back, -I 've tried several times to reach her by phone and left messages at the law firm. No one ever called me back. 
XXXX said my account was flagged with address issues, I asked how long has this been an issue, she said XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, she claimed it was a commercial address, I asked why didn't anyone reach out. She then claimed my number couldn't be reached and she had her manager call me while we were on the phone and it came through with no issues. Called from XXXX XXXX XXXX Account Manager -After speaking with XXXX on XX/XX/XXXX, she informed me she was going to call to see if she could get all the fee 's, etc waived, she told me to give her until Wednesday of the following week, which would have been XX/XX/XXXX. 
XXXX did not contact me on XX/XX/XXXX. 
- I Called XXXX XX/XX/XXXX @ XXXX & XXXXXXXX XXXX left Voicemails -I Called XXXX XX/XX/XXXX @ XXXX, XXXX Voicemails -I Called back XX/XX/XXXX @ XXXX spoke to XXXX, she said XXXX was affected by FL storms and XXXX could not assist me but left a message for XXXX. 
-I Asked XXXX  XXXX have XXXX reach out to me. 
-I Also informed XXXX  that I can't cash the checks they returned because it's made out to Fay Servicing and they Fay Servicing had cashed them already. 
-I Called XXXX on XX/XX/XXXX, was finally able to reach her. She informed me in order to get my properties out of foreclosure it would cost me XXXX since it went into foreclosure status as of XX/XX/XXXX. 
XXXX XXXX never gave me an opportunity to pay the differences of the increase or any type of modification. 

Additional Facts I never receive any notice that the loan payments at issue would be increasing as of XX/XX/XXXX and thus, the payments submitted to Fay Servicing were all it had notice was due ; Despite claiming that no money was received for any loan in XXXX, Fay Servicing received and apparently cashed payments relating to each loan. It is not clear why Fay Servicing has not acknowledged this fact in its correspondence ; Despite claiming that the loan accounts are overdue, Fay Servicing apparently refused to accept check payments for each account in XXXX as well as to date. 
Fay Servicing has already received checks sufficient to cover even the un-revealed increased payment amounts for both XXXX and XX/XX/XXXXXXXX  it is not clear why Fay Servicing is rejecting payments and then claiming foreclosure status. 
I loss my main source of income in XX/XX/XXXX, I '' ve also recently tried to have an attorney involved. It has been difficult to reach Fay Servicing to try and remedy these issuse.

Company response to consumer: Closed with explanation