Consumer complaint received 2024-10-01 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: FCI Lender Services Inc.
State: NY

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) have made efforts to streamline help provided to homeowners through mortgage servicing companies and provide enforcement of critical protections for homeowners who were affected by the XXXX economic crises. However, more needs to be done to scrutinize the activities of banks, investors, XXXX, XXXX Funds owners, Servicers and other private entities who continue to side-step existing laws put in place to help homeowners avoid foreclosure, equity theft, gentrification, and loss of generational wealth. I am writing this formal request for CFPB intervention due to the refusal of the Servicer to resolve my complaints and the predatory behavior of XXXX XXXX XXXX XXXX, its investors XXXX XXXX XXXX and its successor XXXX XXXX XXXX. 

XXXX. In the period preceding the foreclosure crisis in XXXX, Lender XXXX Mortgage ( my lender at the time ) started foreclosure action and I requested loss mitigation assistance from XXXX Mortgage who negotiated a settlement offer of {$150000.00} for full and final satisfaction of the debt in XX/XX/XXXX. 

XXXX. Before the payoff period expired, Investor XXXX XXXX XXXX through its XXXX XXXX XXXX XXXX XXXX intercepted this agreement/settlement offered by my lender and thereafter refused to accept payment within the time period allowed by XXXX Mortgage XXXX 

XXXX. XXXX XXXX XXXX XXXX XXXX a.k.a XXXX XXXX ( owner of XXXX XXXX XXXX ) tried to substitute as plaintiff in the foreclosure action instead of XXXX Mortgage and was denied multiple times in Supreme court. XXXX XXXX subsequently withdrew their attempt to substitute in the foreclosure action and restarted a new foreclosure case under new investor ( XXXX XXXX XXXX ) in XXXX after the statute of limitations had expired. 

XXXX. XXXX Dear denied XXXX XXXX XXXX for Summary Judgment with Prejudice on XX/XX/XXXX yet this investor and its Servicer XXXX XXXX XXXX XXXX continue to aggressively pursue deed -in-lieu, high pressure delay tactics, and costly litigation as a means to force me out of my home. This foreclosure matter could have been settled years ago, but XXXX XXXX XXXX XXXX and its XXXX XXXX XXXX XXXX are trying to steal the equity from my home through excessive fees, predatory delay tactics and illegal attempts to sell my home at auction. 

XXXX. XXXX XXXX XXXX XXXX also refused to provide proper accounting, did not properly serve pre-foreclosure notices as required by law ( RAPL XXXX ). 
Especially egregious, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are actively trying collect payment of a debt that is past the statute of limitations in violation of XXXX XXXX ( XXXX ), XXXX ( h ), CPLR XXXX ( a ) and the Foreclosure Abuse Prevention Act..

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