Fay Servicing, LLC

Tell us why hereJanuary 31, 2017 Sherri *** *** *** ***, OK
73096 RE: Account Number: *** Property Address: *** ** *** ***, ***, OK 73096 Revdex.com Case ID: *** Dear Ms***: We are in receipt of your complaint filed with the Revdex.com (“Revdex.com”) on January 25, regarding the above mentioned mortgage accountIn your complaint, you requested forbearance for the January mortgage payment as you stated that Fay Servicing, LLC (“Fay”) would not offer you a bi-weekly payment option without assessing a late payment charge. Fay acquired the account for servicing as of January 1, Be advised that our records indicate that the previous servicer, ***, sent you a Notice of Servicing Transfer on December 17, A copy of the notice is enclosed for your referenceThe notice stated that servicing of the account would be transferred to Fay effective January 1, and that all payments made on or after this date should be remitted to FayAdditionally, we have enclosed a copy of the Fay Welcome Package dated January 5, The Welcome Package provided information on various payment options, including online and automatic monthly payments from an affiliated checking or savings accountThe Welcome Package also includes an Automatic Payment Authorization for Mortgage Payment form, which you may complete and return with a voided check or encoded deposit slip to initiate bi-weekly payment draftsHowever, please understand that monthly payments should be received in full no later than fifteen calendar days following the first of each month in order to avoid late payment fees in accordance with the terms and conditions of the original Mortgage agreementA copy of the Mortgage is enclosed for reviewPlease contact your Account Manager to further discuss available payment optionsBe advised that as of the date of this letter no late payment fees have been assessed by FayThe account currently displays as due for the January 1, monthly installment in the amount of $534.13. If you wish to have the account evaluated for potential loss mitigation assistance, you may fill out and return the enclosed Borrower Assistance Form (“BAF”) along with all requested financial documentationUpon receipt of a completed BAF, we will move forward with evaluating the account for all available assistance programs. We trust the information provided has addressed your immediate concernsPlease contact your personal Account Manager, David Mazza, at (630) 282-if you have any additional questions Sincerely, Compliance DepartmentFay Servicing, LLC Enclosures CC: Revdex.com

*** sold my loan to Fay Servicing and Fay Servicing has no information on my loan informationMy payment was due on the 12-1-and I made it through ***I was sent a letter of Sale of Ownership Of Mortgage Loan on 12-1-On 12-2-my account with *** was closed and have trying to call Fay Servicing and left messages to have them call me backI finally got ahold of Tom * he said they bought the loan from *** but my information isn't in there system.He said I had to 12-15-to make my payment.But I went to review and they have a bad rating 96%.So I don't know if I should believe Fay Servicing

View attachment

I paid for plumbing work done on a Fay Servicing owned property - The total was $for Hydro-jetting from Almighty RooterThe property is located at *** S *** *** *** *** XXXXXCopy of the invoice and statement are located here- *** I submitted the complaint and bill to the listing agent - Heather *** with Remax and *** Servicing's Lawyer, Codilis & Associates After a few months of back and forth communications, I was informed that *** Servicing turned down my request for reimbursementI find it despicable that a Mortgage Firm is unwilling to pay for their responsibilitiesThis place does not even belong to me I was merely helping out a couple of friends because the place was no longer inhabitable with the backed up sewer line! According to Codilis & Associates- "The client has denied reimbursement, as you were not authorized or hired by the bank The occupant hired you themselves, you would need to seek reimbursement from them directly." Amazing! I am not a plumber, only a friend that was kind enough to cover the bill until the slumlord paid me back...or so I thought! Why in the world would a tenant have to pay for plumbing work themselves anyway!

Fay Servicing bought my home loan and it has been a complete nightmareThe charges lack of communication, extra feesSo I finally got my loan refinanced through another finance company and they added another $dollars to my loan to absorb the extra the bank paid themThis should be illegal for a servicing agency to overcharge a consumer and it becomes acceptableI will be filing a formal complaint to get understanding and justification about my chargesI think the attorney general in the states oils look into their business practiceI will also be submitting a letter to him also about their business practice

Initial Business Response /* (1000, 8, 2014/08/12) */
Contact Name and Title: *** ***
Contact Phone: XXX-XXX-XXXX
Dear Ms***:
We received your complaint to the Revdex.com regarding your escrow account, and I have been assigned to research and respondWe sincerely
apologize for any delays in paying all the parcels to your property
We have conducted a recent escrow analysis to refund you for your payment toward your taxesUnfortunately, we were collecting for one tax parcel and not four prior to this analysisThe addition of these parcels to your escrow payment may have lessened the amount of the refund you were anticipating; however, you benefitted from a lower payment amount during the time we were not collecting for these parcelsAdding these parcels to your payment also increased your total monthly payment amount
Effective with the October payment, your new payment amount will be $2,On August 4, 2014, a check in the amount of $was disbursed from your escrow account, representing the overage of escrow funds in your account
We trust this letter addresses the questions in your complaintIf you have any questions, please call us at X-XXX-XXX-XXXX
Sincerely,
Compliance Department
Fay Servicing, LLC

Initial Business Response /* (1000, 7, 2014/03/21) */
Contact Name and Title: *** ***
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@fayservicing.com
Dear Mr***:
We received your complaints submitted to the Consumer Financial Protection Bureau (CFPB), RevDex.com (Revdex.com), and U.SSenator *** ***, and I have been assigned to research and respond
Our records indicate Fay acquired your account for servicing from *** of *** on February 3, At the time your loan boarded our system, we learned that you were approved for the Home Affordable Modification Agreement (HAMP) trial period planThe trial period plan was effective from December to February at a total monthly payment of $2,After reviewing the payment history with *** of *** we determined you successfully completed the trial payment plan and are eligible to be permanently modified via the HAMP program
On February 18, your Account Manager contacted you to discuss the terms of the permanent HAMP Loan Modification AgreementAfter discussing the terms, your wife had indicated the payment is still unaffordable even after you successfully completed the trial payment planAt this time she rejected the permanent modification and advised she would consult with a bankruptcy attorneyAs a result of declining the permanent modification, we issued the enclosed non approval notice
After you declined the permanent modification, you contacted our office to make a payment on March 13, Please note that we are unable to accept payments when an account is more than days past due and not active on a workout planWe advised that we can accept payment if it will bring the account at least days past dueAs such, when we received $5,on March 20, 2014, we applied the funds to your accountThe account now displays due for the February 1, installment
In an effort to assist, we are providing you another chance to accept the permanent HAMP Loan Modification Agreement that was approved by the prior servicer*** determined a total monthly payment of $2,was affordable given your monthly gross income amount of $9,HAMP Tier program guidelines target a payment amount 31% of your monthly gross incomeIf you are interested in accepting the HAMP modification that was previously offered, please contact your Account Manager
If you do not accept the HAMP modification, we are unable to offer an alternative modification as you have the financial means to continue making payments in accordance with the modification approved by *** of *** in January I have enclosed a copy for your referenceThe modification reduced the interest rate to 2.0% and decreased the monthly payment to $1,
We trust this letter addresses the concerns outlined in your complaintsIf you have any questions, please contact your Account Manager, *** *** at XXX-XXX-XXXX
Sincerely,
Compliance Department
Fay Servicing, LLC

Complaint: ***
I am rejecting this response because:
Sincerely,
*** ***

Dear Mr***: Fay Servicing, LLC (“Fay”) received the complaint you submitted to the Revdex.com on December 29, 2017, regarding the above-referenced loanThe complaint explained that, despite sending in all requested documentation Fay had yet to release loss draft funds to
you. After careful review of your account we can confirm that we are still in need of a letter from you stating that you are doing your own repairs to the property and that no contractor is being usedOnce that letter is received then your funds can be disbursed. We trust the information provided has addressed the questions and concerns outlined in your correspondenceShould you have any further questions, please contact your Account Manager, Sedrick *** at (312) ***-***. Sincerely, Legal DepartmentFay Servicing, LLC

October 19,
*** ** ***
*** ** ***
** *** ***
*** ** ***
*** *** *** ***
*** *** ** *** *** *** ** ***
*** *** *** ***
*** *** ***
We are in receipt
of your correspondence submitted to the Revdex.com (Revdex.com) on October 12, regarding the above referenced account and propertyIn your correspondence, you request we review the account for available loss mitigation assistance options
Please understand that after careful review, the most recent loss mitigation application was denied for incompletenessAn application submission was received; however, the package was deemed incomplete as financial information and documentation was provided for *** *** and not the co-borrower, *** ***, as well
After speaking with your Account Manager, you advised *** *** does not reside in the property and also signed a Quit Claim DeedHowever, the Quit Claim Deed does not remove *** *** from the Note as an accompanying divorce decree or court order was not executed to solely grant you the propertyAs such, the application was considered incomplete because *** *** did not provide financials
However, in an effort to provide as much assistance as possible, we are currently re-reviewing the application based on your financial information onlyOnce we have reached a determination, a new evaluation letter will be sent providing the updated outcome of our loss mitigation evaluationWe confirm no further information or documentation is needed at this time
Further, a previous loss mitigation program was previously offered but you have since defaulted on this planA Trial Modification Agreement was implemented with an effective first due date of October 01, All three trial payments were made in a timely manner and the permanent modification was implemented for a start date of January 01, A first modified payment was applied to satisfy the January installment; however, the payments received for February 2015, March 2015, April 2015, May 2015, and June were returned as your bank account did not hold sufficient funds to support the withdrawalsThus, the account remains due for February
We trust the information provided has addressed the concerns outlined in your correspondenceShould you have any further questions or concerns, please feel free to contact your Account Manager, *** *** ** *** ** ***
Sincerely,
Compliance Department
*** *** ***
*** ***
*** *** *** ***

I received a call from my boyfriends father todayHe said a Nohemi *** called his home phone and asked for my boyfriend by his first and middle nameNohemi never told my boyfriends father where she was calling fromShe told him who she was really wanting to talk to, my parents, after he told her my boyfriend wasn't homeShe left only her name and phone number and said that they (my parents) would know who she wasI text my mother and asked her if she knew this lady after my boyfriend's dad had called meMy mother said yes, that every month Nohemi calls her, even after they have made a paymentMy mother also went on to say that Nohemi is never very pleasant and tells them awful thingsMy mother told me that Nohemi told her that my parents don't deserve their home and they should be living in their carNO ONE should EVER be told this, EVER! My parents work really hard for what they have, and they struggle just like everyone elseMy father works as much as he can to make ends meet after my mother suffered a heart attack and two heart stintsThis Nohemi *** lady needs to lose her job for saying stuff like thatThen when I told the Donna or Debbie lady what Nohemi said she says, "I assure you no one here says that stuff"I told her, "I assure you they do and she did"I asked for a supervisor and this lady took it personallyI told her it wasn't her, I wanted to talk to a supervisor about NohemiShe kept trying to make comments like, "I'm sorry you're having a bad day", which I was notI told her to please not comment and to just get me a supervisor, she continued to commentThen she asked for the account number, I told her I didn't have it and she kept saying stuffFinally I yelled at her to just give me a supervisor and she said, "well maybe that's why Nohemi said that stuff to your parents"But if you recall, she said earlier on that she "assures me no one there says stuff like that", but then makes comments like thatI finally got transferred to a supervisor and SURPRISE it was the voicemail of a man named ChrisWhat crappy customer service Fay Servicing, maybe you should review your call recordings more oftenI am now going to do everything in my power to help my parents get their house financed through some other company that doesn't let their customer service people tell their customers they "don't deserve their house and should live in a car"I hope Nohemi *** gets awful karma she most likely deserves for saying awful things like that to people

I pray that your loan is not sold to this companyThe customer service is below sub par

Final Consumer Response /* (450, 5, 2014/01/30) */
The consumer indicated ONLINE that the business responded to this complaint to his/her satisfactionHe/she also stated:

We have called this company numerous times to talk to them about are loan and they don't return phone callsIt is so frustrating trying to deal with this companyI would never recommend them for a loan

November 13, 2017 *** ***
*** * *** **
*** **
*** RE: Account Number: *** Property Address: *** * *** *** *** ** *** Revdex.com ID Number: *** Dear Mr***: We are in receipt of your complaint filed with the Revdex.com (“Revdex.com”) on November 2, In your complaint, you requested loss mitigation assistance. Fay Servicing, LLC (“Fay”) received your first and only submitted loss mitigation application on October 11, 2017, which was subsequently reviewed and deemed completeEnclosed is the Acknowledgement of Complete Loss Package sent on October 12, On October 27, 2017, a loss mitigation evaluation was completed wherein we offered you the opportunity to enter into a Trial Period Plan (“TPP”) under the Fay Servicing Modification ProgramTo accept the TPP offer, you must remit the first TPP payment of $1,by December 1, Additionally, if you do not intend to retain the subject property, you were also found eligible to pursue a Fay Servicing Deed-in-LieuPlease see Attachment B in the enclosed October 27, 2017, Evaluation Letter for further details Please contact your Personal Account Manager, Kevin ***, at (*** *** with any additional questions Sincerely, Legal DepartmentFay Servicing, LLC Enclosure CC: Revdex.com

On October 10, 2015, the customer submitted an initial complaint to the Revdex.comWe issued our response to both the Revdex.com and the customer on October 19, The customer then rejected the response; however, did not provide any reasoning why or supporting evidenceAs such, since the customer did not provide any new questions or concerns to address, we are unable to provide a subsequent response

Initial Business Response /* (1000, 5, 2014/03/27) */
Contact Name and Title: *** ***
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@fayservicing.com
Dear Ms***:
We received an email from the Revdex.com (Revdex.com), which included your complaint regarding our
credit reporting for the above-referenced loan
I apologize for the difficulties we had processing some of your paymentsYou do not have a late charge balance, and you are currently due for the April paymentWe strive to be more efficient in handling your payments
After careful review, we are submitting an electronic credit correction to all four major credit bureaus to remove all derogatory information in your credit report regarding our reporting in September of the August paymentThis correction may take up to days to reflect on your credit reportIn the meantime, we suggest you use this letter as evidence of the credit correction
We trust this letter addresses the concerns raised in your complaintIf you have any questions, please call us at X-XXX-XXX-XXXX
Sincerely,
Compliance Department
Fay Servicing, LLC

Initial Business Response /* (1000, 5, 2014/07/23) */
Please see our attached response

Initial Business Response /* (1000, 5, 2014/06/02) */
Contact Name and Title: [redacted]- Compliance
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@fayservicing.com
Please See Attachment
Initial Consumer Rebuttal /* (3000, 7, 2014/06/02) */
(The consumer indicated he/she...

DID NOT accept the response from the business.)
They do not contest that any prior tax payment made was without my knowledge or consent. Their cause of action should be against [redacted], who made the payment and sold them the mortgage and not me.
They are ruining my credit.
Final Business Response /* (4000, 9, 2014/06/06) */
Please See Attachment

October 19, 2015
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
We are in receipt of your correspondence submitted to the Better...

Business Bureau (Revdex.com) on October 12, 2015 regarding the above referenced account and property. In your correspondence, you request we review the account for available loss mitigation assistance options.
Please understand that after careful review, the most recent loss mitigation application was denied for incompleteness. An application submission was received; however, the package was deemed incomplete as financial information and documentation was provided for [redacted] and not the co-borrower, [redacted], as well.
After speaking with your Account Manager, you advised [redacted] does not reside in the property and also signed a Quit Claim Deed. However, the Quit Claim Deed does not remove [redacted] from the Note as an accompanying divorce decree or court order was not executed to solely grant you the property. As such, the application was considered incomplete because [redacted] did not provide financials.
However, in an effort to provide as much assistance as possible, we are currently re-reviewing the application based on your financial information only. Once we have reached a determination, a new evaluation letter will be sent providing the updated outcome of our loss mitigation evaluation. We confirm no further information or documentation is needed at this time.
Further, a previous loss mitigation program was previously offered but you have since defaulted on this plan. A Trial Modification Agreement was implemented with an effective first due date of October 01, 2014. All three trial payments were made in a timely manner and the permanent modification was implemented for a start date of January 01, 2015. A first modified payment was applied to satisfy the January 2015 installment; however, the payments received for February 2015, March 2015, April 2015, May 2015, and June 2015 were returned as your bank account did not hold sufficient funds to support the withdrawals. Thus, the account remains due for February 2015.
We trust the information provided has addressed the concerns outlined in your correspondence. Should you have any further questions or concerns, please feel free to contact your Account Manager, [redacted]
Sincerely,
Compliance Department
[redacted]
[redacted]
[redacted]