Consumer complaint received 2022-04-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
OUR FAMILY INHERITED HOME OF MY HUSBAND, OUR 3 SONS, AND I, 55 YEARS IN THE FAMILY. MY AGING FATHER RELOCATED TO OUR HOME LESS THAN A YEAR AGO, WHOM WE ARE CARING FOR ALSO. IT WAS XX/XX/XXXX, XXXX XXXX XXXX dba FAY SERVICING , LLC C/O XXXX, XXXX XXXX XXXX XXXX dba XXXX XXXX " XXXX '' aka XXXX XXXX XXXX, XXXX OR XXXX AT PHONE XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX CA in XX/XX/XXXX, A TRANSFER OF SERVICING ON OR AROUND XX/XX/XXXX TO " XXXX '' XXXX, MOST RECENTLY AS XXXX XXXX XXXXXXXX, XXXX dba ANY AND ALL POSSIBLE ENTITY, CORPS, VENDORS, LLC, XXXX, ESCROWS, INSURANCES, XXXX XXXX, AND BEYOND, AND CURRENTLY, FOR THIS COMPLAINT dba XXXX. IN XXXX " OLS '' merged business with XXXX XXXX  XXXX dba XXXX whom at that time, was using the XXXX Bankruptcy XXXX to conceal withheld fraud FORCED escrow acct. FUNDS ; NON RETURNED HOMEOWNER OVER PAYMENTS CONSISTING OF DUPLICATE PREMIUMS, SERVICE FEES, UNWANTED SERVICES, UNDEFINED CHARGES, LATE FEES FOR THE PAYMENTS REDIRECTED TO THE ACCT., XXXX OF XXXX, IN LIEU OF POSTING IT TO THE ACTUAL NON ESCROW ACCT. 1 OF 2, USING 3RD PARTY VENDORS, LIKE XXXX  TAX SERVICES IN XXXX, TEXAS FOR EXAMPLE, HAVING THEM REQUEST AN OVERPAYMENT REFUND OF HOMEOWNER PRIVATE PAID SECURED PROPERTY TAX PAYMENTS MONITORED FOR PREDATORY COLLECTIONS, A DUPLICATE INTENTIONAL OVERPAYMENT " USING THE WITHHELD NON RETURNED OVERPAYMENTS '' REQUEST A COLLECTONS REFUND TO THE SERVICING PARTY FOR PROFIT THAT MONTH OR YEAR, THE INSURANCES PRIVATE PAID BY THE HOMEOWNER, SUFFER PREDATORY MONITORING, CHANGES, AND ULTIMATELY REWRITTEN, TAKEN OVER RIGHT UNDER YOUR NOSE, I DID NOT NOTICE OUR POLICY HAD A NEW ACCOUNT NO. FOR NEAR 2 YEARS, USING A SIMILAR NO., " XXXX XXXX, MAKES SPECIAL EFFORT TO NOT JUST TAKE OVER YOUR CURRENT BORROWER LOAN / CREDIT ACCT. NO., THEY MAKE SURE TO RETRO ACTIVELY PUT THEMSELVES ON EVERY ACCT. NO. AND POLICY NO. YOU HAVE EVER HAD, THE RESULT IS IF THE ACCT. IS LINKED TO A POLICY, OR INVESTMENT NOT MATURED, THEY HAVE NOTES ENTERED ON THE SOFTWARE SYSTEM IN THE ACCT. TO TRIGGER AN EVENT CREATING AN ALERT FOR THE ACCOUNT TO BECOME ACTIVE AT THE TIME DESIRED, IN OUR CASE AROUND XX/XX/XXXX. THE EVENT WE DID EXPECT THIS YEAR WAS ANOTHER FRAUD MANUFACTURED DEFAULT, AND NON JUDICIAL FORECLOSURE, AND SCHEDULED TRUSTEES SALE XXXX XXXX, XXXX, STOPPED WITH EMERGENCY COURT ACTION FILED, CAUSE : FRAUD, WITH LITTLE TO KNOW ACCURATE PARTY CONTACT INFORMATION, ALL OF WHICH WERE IN ANY STATE BUT CALIFORNIA ALLEGEDLY, AND NOT LOCATED AT THE MINIMAL, AND MULTIPLE LOCATIONS INDICATED, AGGRESSIVE ACTION WAS AGAIN TAKEN BY FAY SERVICING , LLC 6 DAYS LATER A NOTICE ORDERING A NEW TRUSTEES SALE DATE FOR XX/XX/XXXX, MY HUSBAND MADE SURE TO ATTEND THE SALE TO GIVE THE AUCTIONEER WORKING FOR A NEVADA COMPANY C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, WHO ALLEGES THE TRUSTEE IS LOCATED IN XXXX, TX, UPON RESEARCH, AT A LAW OFFICE, WAS GIVEN A CONTACT PHONE NO. FOR XXXX XXXX XXXX XXXX XXXX DIRECT, THE AUCTIONEER DISREGARDED THE COURT NOTICE, ALLEGED HE WAS INFORMED BY THE UNIDENTIFIED INDIVIDUAL NOT DISCLOSED, BEING ( THE ONLY PERSON WHO ALLEGED TO HAVE DIRECT CONTACT WITH THE UNKNOWN INDIVIDUAL ACTING AS A TRUSTEE WITH AUTHORITY TO SELL OUR HOME ), REGARDLESS OF THE COURT NOTICE OF A XXXX HEARING SET BY THE COURT FOR XX/XX/XXXX, OUR FAMILY HOME OF 55 YEARS, INHERITED THOUGHT TO BE PROTECTED BY THE DECEDANTS WISHES, OF IRREVOCABLE TRUSTS EFFECTIVE XX/XX/XXXX, WAS AUCTIONED, AND SOLD FOR HALF THE HOMES HISTORICAL, LOCATION, UNIQUE PROPERTY, ADDITIONAL LIVING SPACE, TRUE VALUE, FOR DISPUTED, NON VERIFIED, NON VALIDATED, MANUFACTURED DATA, DOCUMENTS, DEBT COLLECTOR dba LENDER, AND TRUSTEE OF PREDATORY COLLECTIONS OF FRAUD CREATED NON OWED DEBT. 

I HAVE NO MORTGAGE LOAN BALANCE OUTSTANDING, NOR OWE ANY BANK OR THIRD PARTY ANYTHING. FAY SERVICING , LLC IS PREDATORY, AGRESSIVE, FEARLESS, DECEPTIVE, MISLEADING, DO NOT TELL THE TRUTH, DO NOT REDPOND TO THE FACTS PROVIDED, NOR ATTEMPT A DEFENSE, THEY ARE PROGRAMMED, ALLEGING LIKE PARROTS " A DEBTOR IN DEFAULT '' IS THE STANDARD PRACTICE OF THEIR LAWYER REPRESENTATION, THEY ARE QUICK TO SAY THEY MIS SPOKE WHEN THEY FIND YOU HAVE A PRIOR COURT ACTION WITH " XXXX '' AS WE HAVE, WHO WAS DENIED DEMURE, AND DISMISSED ENTIRELY, WITHOUT LEAVE TO XXXX, AND HAVE NO RIGHT TO CHANGE THE NAME THEY ARE USING TO DO BUSINESS AND COME BACK WITH THEIR FRAUD DOCS., AND ESCROW ACCTS. THEY ARE HOLDING MONEY ON US IN AND ALLEGE WE HAVE AN UNPAID LOAN AFTER 10 YEARS HAVE PAST, I WAS DISCHARGED FROM XXXX  XXXX TRUSTEE IN XXXX, WHERE NO MONEY WAS CLAIMED OWED, ARREARS, NOR A CLAIM MADE IN THE MONTHS ALLOWED AFTER, THEY HAD THEIR ONE SHOT. THEY ARE THE ONES THAT FALSIFIED DATA REMOVING MY HUSBAND FROM HIS OWNERSHIP INTEREST IN XXXX, AND RECORDED, A GRANT DEED RESCINDED ANYWAY, USING WHITE OUT TO MAKE ME APPEAR AS SOLE OWNER AND SINGLE, REQUIRED CORRECTION, AND RECEIVED OVER A MONTH LATER, FINDING THE ORIGINAL WAS RECORDED ALSO, CORRECTING MARITAL STATUS ONLY, XXXX XXXX XXXX ACCT. 1 OF 2, YOU CAN BE CERTAIN THEY WILL NOT GO BANKRUPT, ALONG WITH DEBTOR PARTY STAY PROTECTION HAVING ACCESS TO ACCT. 2 OF 2. AND NO ACCOUNTABILITY OF ABSOLUTE PROOF. UNLESS VICTIMS ARE GIVEN PERMANENT INJUNCTION REQUIRING WHITE COLLAR PREDATORS MANDATORY JUDICIAL HEARINGS TO PROVE THEY ARE ENTITLED TO COLLECT, SHOWING A VALIDATED DEBT OWED THE MORATORIUM WILL SOON BRING A PANDEMIC OF MUCH DEEPER LOSS THAN CAN BE IMAGINED. THIS IS THE MOST HELPLESS HOPELESS FEELING EVER EXPERIENCED TO DATE, I HAVE A GROUP OF INVESTORS TELLING ME WE NO LONGER OWN OUR HOME AND ARE GIVING US A 3 DAY NOTICE, TO GO LIVE IN OUR CARS, IS ALL WE WILL BE ABLE TO AFFORD. THANKS XXXX, XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation