Consumer complaint received 2025-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: FCI Lender Services Inc.
State: CA

Complaint narrative:
Subject : Mortgage Servicing Errors, Escrow Mismanagement, Predatory Refinance Solicitation Companies Involved : XXXX XXXX  ( initial and returning servicer, refinance solicitation ) XXXX XXXX XXXX XXXX XXXX XXXX ( servicer XXXX through XXXX ) XXXX XXXX XXXX ( current servicer as of XXXX ) Loan Details : Original loan : ~ {$500000.00}, fixed XXXX at 6.99 %, originated XXXX. 

Payments : {$160000.00} made timely through XX/XX/XXXX ( verified with XXXX  XXXX XXXX XXXX ). 

Summary of XXXX : XXXX XXXX XXXX XXXX XXXX XXXX originated in XXXX with original balance : {$500000.00}. 

Total payments remitted through XX/XX/XXXX : {$160000.00} ( supported by bank records ). 

Included in these payments was a {$99000.00} principal-only payment on XX/XX/XXXX, XXXX which absolutely should have produced a sharp reduction in the outstanding principal but the servicers ledgers are not consistently showing this. 

Using standard amortization at the contractual rate of 7.5 % ( monthly accrual ), my loan balance as of XX/XX/XXXX should be {$370000.00}. 

Escrow Mishandling & Potential Double Payment XX/XX/XXXX : XXXX refunded {$9600.00} escrow surplus. 

XX/XX/XXXX : Despite refund, {$4600.00} disbursed for property taxes, leaving escrow negative ( not permitted under XXXX projections XXXX. 

XXXX was separately advised to pay XXXX XXXX XXXX property taxes directly risk of duplicate tax payment. 

Suspense & Unapplied Balances XXXX admitted holding a {$1100.00} suspense credit unallocated for months. 

XXXX later applied this but is reporting {$1800.00} in Other Accrued Fees and demanding {$620.00} by XX/XX/XXXX under threat of a {$170.00} late fee. 

This creates false delinquency despite all payments being current. 

XXXX XXXX XXXX XXXX XXXX XXXX transferred XXXX times in less than XXXX  months ( XXXX XXXX  XXXX XXXX  ). 

Each transfer created accounting errors, delays, and conflicting balances ( e.g., escrow {$4900.00} vs {$2500.00} reported ). 

XXXX  own online portal ( screenshot attached, Exhibit A, dated XX/XX/XXXX ) shows my Current Principal Balance as {$0.00} while still demanding a monthly payment of {$3700.00}. 

Predatory Refinance Solicitation ( XX/XX/XXXX XXXX ) XXXX received email offering refinance at same XXXX fixed 6.99 % rate with no cost, no points, and {$11000.00} closing cost check sent before closing. 

Pressure tactics used ( time is of the essence, respond over the weekend ). 

This solicitation appears deceptive and non-compliant with XXXX/XXXX, since lender credits must appear on XXXX XXXX/ Closing XXXX, not as pre-closing cash payments. 

Harm to XXXX : Overpayment of interest due to improper calculation. 

Improper escrow refund/disbursement cycle leading to possible duplicate property tax payment. 

False delinquency reporting ( {$620.00} owed despite timely {$160000.00} paid ). 

Time, stress, and financial burden caused by repeated servicing errors. 

Exposure to predatory refinancing tactics despite no interest rate reduction benefit. 

Requested Relief : XXXX & Correction : Independent audit of loan from XX/XX/XXXX to present, correcting all principal, interest, escrow, and suspense errors. 

XXXX & XXXX XXXX : Reverse improper charges ( {$1800.00} accrued fees, {$620.00} demand, late fee threats ). 

Escrow Correction : Verify whether double property tax payments occurred ; if so, refund borrower or compel refund XXXX XXXX. 

Compensation : For borrowers wasted time, stress, and mismanagement caused by servicer transfers. 

XXXX XXXX : XXXX XXXX XX/XX/XXXX refinance solicitation for predatory/deceptive practices. 

Attachments Available : XXXX  XXXX XXXX XXXX XXXX ( {$160000.00} through XX/XX/XXXX ). 

Escrow refund/disbursement statements ( XXXX & XX/XX/XXXX ). 

XXXX interest charge explanation letter. 

XXXX statement showing suspense & fees. 

XX/XX/XXXX XXXX refinance solicitation email.

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