Consumer complaint received 2019-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: MA

Complaint narrative:
The property that I reside at I have been in foreclosure for some time now, this all began back when XXXX XXXX XXXX owned my mortgage and I had a line of credit attached as well. Things in my house hold got complicated when my partner had health issues and was unable to work. Back then I put in for a loan modification and was going through the process and XXXX XXXX XXXX sold my mortgage to another Mortgage Company. The mortgage company I believe was XXXXXXXX XXXX at the time, since then it has been taking over once again by Fay Servicing which has been next to impossible to deal with. I never was contacted from them up until the time when I received a certified letter on a auction date of my house. I went online to their web page and looked at my account and the personal information they had was incorrect and they had a do not call applied to my account for some reason. At this time I reached out to Fay and gave them my correct information and made it clear that I had funds and I wanted to work with them to straighten out my mortgage. They continued pressing with foreclosure with an auction date scheduled and I was unable to get written documentation from them as to pull the money out of a 401k account that I have. Last minute I was forced to go hire an attorney in file for bankruptcy to postpone the auction in order to give me enough time to get proper documentation to pull out a hardship against my 401k. Without receiving documentation I received another letter of foreclosure for auction date slated XX/XX/XXXX, once again as in many times I called Fay Servicing for information on my mortgage and documention of amount due. I did not receive documentation 4 weeks until I finally received it and sent in my application to my 401k company. The paperwork got tied up with my 401 and was waiting on electronic transfers for money into my account to be able to bring my mortgage up-to-date. Called Fay services as well as faxed over all documentation I had of guaranteed funds and they refused to cancel auction in allow me the opportunity to bring my account to date or pay off Mortgage in full, was told that they refuse to cancel auction and are pressing forward with foreclosure which did happen. At the auction no certified bidders were present other than myself and was told it would go back to Fay services which I could deal with and try to resolve this issue once again. I have reached out to Fay services since XX/XX/XXXX to date calling them more than 50 times without a return phone call or information of how I can Rectify this issue, I have even reached out to CEO of company as well as VP 's with no return phone call no answers and have been left in the dark. I have spoken to the property management company XXXXXXXX XXXX XXXX XXXX and he has informed me that Fay Services Under no circumstances will sell me the house or the tenant that resides in the house. I have never dealt with a company that worked in these  kind of strong-arm tactics that seems very unprofessional and illegal. Now I'm concerned with a sheriff showing up at my door throwing me out of my house that I want to purchase.

Company response to consumer: Closed with explanation