Consumer complaint received 2025-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: SC

Complaint narrative:
In XXXX  went to court with XXXX to get payments on loan set to XXXX a month we pay taxes and home owners which has been done for four decades. XXXX XXXX our attorney had fixed payments for a fixed income for husband had and has XXXX The Fay servicing apperantly bought out our loan and we paid this amount to them for over a year and then they added escrow and home owner insurance to our loan. In the past two years I have tried to talk with over a dozen differnt people there and I send in the declaration page twice over the last year with copies of taxes pd and they dont drop the escrow and payments they raise the payments higher! I can prove through my bank I pd taxes this year on house lots XXXX and mobile home taxes but they jump again again this year and pd taxes on lot XXXX a empty lot and lot XXXX where the mobile home is located I have in vane tried to get this Fay Servicing to understand and sent them copies of my XXXX legal judge ordered paperwork stating : I was to pay XXXX payments of the XXXX which we have over a decade until they sent back payment XXXX and payment XXXX and the check for the taxes for lots XXXX XXXX and house XXXX # XXXX for XXXX said we had to pay escrow amount XXXX and that's how this mess began. They have since then tried to force us to pay these payments and we are on fixed income! I have sold personal belongings to keep coming up with the payments they say we owe. I have tried to retain the XXXX XXXXXXXX XXXX XXXX  in XXXX but no response? Mailed them copies of some sort of pre closure paperwork that was sent and my husband cant read he has XXXX and signed for the papers and we had to come up with another XXXX payment? The numbers aren't right in our loan they say we owe XXXX more payments? At the rate they keep going up on payments that's crazy numbers anyone that cant add can figure that one out! I have proof of everything I have paid them and I had my debt almost paid off at XXXX The paperwork we received from Fay for filing taxes are saying XXXX? We can prove what we pd them through our bank same account it was when first payment made. We have a XXXX acre private invite only golf course and resort breaking ground just blocks away and everyone wants this property we have had for decades including the Fay Servicing. We need a Consumer Attorney to help us have our day in court to prove what this ruthless company is doing. We were affected by the XXXX storm here in our area no power for 2 wk no internet or phone for 5wk Any help or suggestions would be greatly appreciated as they just have hung up on me because I ask him his name which I already knew because I have spoke with him several times. Rude person said if I cant pay the XXXX this month he could not except my XXXX I was trying to pay and said I'm hanging up. I had him on speaker and a witness who heard it. I will not let this ruthless company steal what we have worked hard for most of our Lifes. I have all paperwork to prove my side of this story. I hope someone here can help. Thank you for your time its a long drawn out process that has played out to long on our end!

Company response to consumer: Closed with explanation