Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, Fay Servicing LLCs hired firm XXXX XXXX XXXX XXXX concluded File Number : redacted Property Address : redacted did not have an active mortgage to foreclose on and that the debt that Fay Servicing , LLC was not owed. 

It was concluded by XXXX XXXX XXXX XXXX that the Mortgage note was separated and closed from the security deed during the transfer of corporate assignment. 

The mortgage note that Fay Servicing LLC was trying to collect closed in XXXX and was a Zombie Mortgage that was not revived verifiable through XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX removed my home redacted from its listing, and my home was not foreclosed upon. 

So with this conclusion, I am confused as to why Associate Broker XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX GA came to my home on XX/XX/XXXX, to conduct an occupancy check on behalf of Fay Servicing , LLC. XXXX XXXX can be seen on security footage walking the full perimeter of my home looking into the windows and taking pictures inside and outside of my home. XXXX attempted to open my side door but was locked. XXXX then banged on the side door which is when I opened my front door to gain an understanding of why he was at my home. He then told me he was there on behalf of Fay Servicing , LLC to conduct an occupancy check. I informed him that both he and Fay Servicing , LLC have full knowledge that I currently occupy the home. Where XXXX quickly excused himself and left. The encounter was shared with XXXX XXXX Police. 

On XX/XX/XXXX, at XXXX p.m., a man with a similar likeness and speech to XXXX came to my home at redacted.This time my husband opened the door and the man asked for me, redacted or my mother Redacted to who I share my Deed. My husband asked what he was there for the man told my husband that I was committing mortgage fraud which is not true. My husband asked for his name and company. The man handed my husband a paper with a made-up company and no name was provided. XXXX XXXX Police was called footage was shared and a statement was provided. 

On XX/XX/XXXX, Fay Servicing , LLC sent correspondence stating that I did not send them my tax information and that I was in violation of the IRS. The correspondence has the account number whiteout and when I called I was told I could not speak with anyone unless I provided an account number. I asked if they could look up my information with my address and phone number I was told no. 

On XX/XX/XXXX, my mother Redacted had to go to the hospital emergency room due to all the stress. She believes someone is following her which I believe is because the same car she describes has been parked outside of my home right out of Security camera view. 

Ive called Fay Servicing , LLC XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. No one will answer my calls. 

I've called XXXX XXXX XXXX ID : XXXX XXXX whose license is being used by Fay Servicing , LLC to do business in Georgia. XXXX XXXX stated that she does not work for Fay Servicing , LLC but has worked for Southeast Mortgage my original Mortgage Company before being sold to XXXX XXXX XXXX. Fay Servicing now uses XXXX XXXX  in correspondence which was not done until after speaking with XXXX XXXX. 

I've been getting harassing robocalls when reversed lookup it is the same robocaller associated with Fay Servicing , LLC, XXXX XXXX XXXX XXXX, and all persons mentioned previously. The numbers are masked by the XXXX XXXX, however, the true number can be verified through the robocall ers registration number and IP address. 

On XX/XX/XXXX, I received notification through the Georgia Filing Activity Notification System that I solely sold my Deed. Me redacted the Seller to XXXX XXXX XXXX XXXX XXXX with the XXXX XXXX XXXX Fay Servicing , LLC XXXX, IL XXXX. 

I have not sold my Deed and could not without additional signature from my mother redacted. 

An additional property notification received States that my property redacted is in foreclosure with Fay Servicing , LLC being the property owner being foreclosed on. 

I am afraid for my safety so a restraining order is to be put in place. I am sad and depressed that these people have access to my personal information. I am hopeless because I am in fear of continued future financial bullying.

Company response to consumer: Closed with explanation