Consumer complaint received 2025-10-30 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Problem with customer service — 
Company: FCI Lender Services Inc.
State: MI

Complaint narrative:
Approximately 2-3 weeks prior, tried calling FCI Lender Services , Inc . There is no customer service department as there once was. All calls go to XXXX XXXXXXXX XXXX voicemail or he directly answers and never answers stating this is " FCI Lender Services , Inc . 

XX/XX/XXXX Sent {$660.00} to FCI Lenders Services , Inc., as requested by certified HUD housing counselor before they would assist me. I completed a consent for counselor to correspond with FCI, which I assumed had been done. 

XX/XX/XXXX I received the {$660.00} payment back in the form of a check stating that they can not accept the payment. This amount was the majority of what was owed approximately ( {$940.00} ) {$230.00} per month from XX/XX/XXXX to XX/XX/XXXX. 

XX/XX/XXXX First learned of demand letter on XX/XX/XXXX attorney for FCI Lender Services , Inc. that was allegedly sent certified. I never received certified letter from attorney 's office which was requesting a signature.

I requested that I receive a copy of demand letter and reinstatement amount. I
was emailed this information on XX/XX/XXXX. I explained to servicer that I am working with a Certified HUD housing agency to assist with getting my payments current again and that she is expected back in the office on XX/XX/XXXX. Servicer informed once I speak with counselor to call their office back. 

XX/XX/XXXX I learned that counselor still was not back in the office after having left multiple calls while leaving voicemail messages. I contacted counselor 's office and asked for manager or supervisor, I left message for return call and office staff left messages since counselor hadn't returned urgent calls. 

On XX/XX/XXXX I was informed by manager that counselor resigned from company on XX/XX/XXXX. Manager requested that I resubmit documentation that counselor requested more than a more prior. I scanned and mailed documents again but, this time to manager a certified HUD housing agency. 

XX/XX/XXXX I spoke with agency manager again and another counselor which requested documents were emailed to me to forward to servicer.

Documents requested : W-9, Mortgage Assistance Application and Direct Deposit forms were emailed to XXXX XXXX , not customer service department ( no longer exists it seems ). 

XX/XX/XXXX I left several voicemail messages since there is not a customer service department to take calls, no return calls received on XX/XX/XXXX. 

XX/XX/XXXX Received email from XXXX XXXX with 'reinstatement statement and wire instructions. ' XX/XX/XXXX I emailed back asking about forms that housing counselor is requesting for payment assistance. He emailed back stating that someone is reviewing them and will contact me once done be reviewed.

My mortgage payment is {$230.00} per month, which I fell behind since XX/XX/XXXX. I am facing significant hardship since losing my spouse and my husband. It seems as though this servicer has some unfair practices occurring.

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